vs
Pioneer Bancorp, Inc.（PBFS）与百捷租车（SMRT）财务数据对比。点击上方公司名可切换其他公司
百捷租车的季度营收约是Pioneer Bancorp, Inc.的1.5倍（$36.5M vs $25.0M），Pioneer Bancorp, Inc.净利率更高（82.1% vs -8.9%，领先91.0%），过去两年Pioneer Bancorp, Inc.的营收复合增速更高（144.9% vs -15.0%）
先锋银行控股公司（马里兰州）是一家美国银行控股企业，为先锋银行的母公司，主要面向马里兰州本地社区用户提供零售及商业银行服务，涵盖存款账户、住房与商业抵押贷款、消费贷款及小微企业融资等产品。
百捷租车是美国知名汽车租赁企业，1958年由莫里斯·米尔金创立于加州洛杉矶，如今是安飞士百捷集团旗下子品牌，运营总部设在新泽西州帕西帕尼，在全球汽车租赁市场拥有广泛的业务布局与品牌影响力。
PBFS vs SMRT — 直观对比
营收规模更大
SMRT
是对方的1.5倍
$25.0M
净利率更高
PBFS
高出91.0%
-8.9%
两年增速更快
PBFS
近两年复合增速
-15.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $25.0M | $36.5M |
| 净利润 | $3.7M | $-3.2M |
| 毛利率 | — | 38.6% |
| 营业利润率 | 21.3% | -10.9% |
| 净利率 | 82.1% | -8.9% |
| 营收同比 | — | 3.1% |
| 净利润同比 | — | 71.6% |
| 每股收益（稀释后） | $0.16 | $-0.02 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收PBFSSMRT
| Q4 25 | $25.0M | $36.5M | ||
| Q3 25 | $24.0M | $36.2M | ||
| Q2 25 | $24.4M | $38.3M | ||
| Q1 25 | $22.8M | $41.3M | ||
| Q4 24 | — | $35.4M | ||
| Q3 24 | $22.0M | $40.5M | ||
| Q2 24 | $20.9M | $48.5M | ||
| Q1 24 | $21.6M | $50.5M |
净利润PBFSSMRT
| Q4 25 | $3.7M | $-3.2M | ||
| Q3 25 | $4.3M | $-6.3M | ||
| Q2 25 | $6.5M | $-10.9M | ||
| Q1 25 | $5.8M | $-40.2M | ||
| Q4 24 | — | $-11.4M | ||
| Q3 24 | $6.3M | $-9.9M | ||
| Q2 24 | $3.9M | $-4.6M | ||
| Q1 24 | $4.7M | $-7.7M |
毛利率PBFSSMRT
| Q4 25 | — | 38.6% | ||
| Q3 25 | — | 26.4% | ||
| Q2 25 | — | 33.1% | ||
| Q1 25 | — | 32.8% | ||
| Q4 24 | — | 28.7% | ||
| Q3 24 | — | 33.2% | ||
| Q2 24 | — | 35.7% | ||
| Q1 24 | — | 38.5% |
营业利润率PBFSSMRT
| Q4 25 | 21.3% | -10.9% | ||
| Q3 25 | 23.4% | -19.4% | ||
| Q2 25 | 33.3% | -30.5% | ||
| Q1 25 | 32.5% | -99.9% | ||
| Q4 24 | — | -36.6% | ||
| Q3 24 | 37.2% | -29.0% | ||
| Q2 24 | 24.1% | -14.3% | ||
| Q1 24 | 28.1% | -20.1% |
净利率PBFSSMRT
| Q4 25 | 82.1% | -8.9% | ||
| Q3 25 | 18.0% | -17.3% | ||
| Q2 25 | 26.4% | -28.3% | ||
| Q1 25 | 25.3% | -97.2% | ||
| Q4 24 | — | -32.3% | ||
| Q3 24 | 28.7% | -24.5% | ||
| Q2 24 | 107.4% | -9.5% | ||
| Q1 24 | 21.9% | -15.2% |
每股收益（稀释后）PBFSSMRT
| Q4 25 | $0.16 | $-0.02 | ||
| Q3 25 | $0.18 | $-0.03 | ||
| Q2 25 | $0.26 | $-0.06 | ||
| Q1 25 | $0.23 | $-0.21 | ||
| Q4 24 | — | $-0.06 | ||
| Q3 24 | $0.25 | $-0.05 | ||
| Q2 24 | $0.15 | $-0.02 | ||
| Q1 24 | $0.19 | $-0.04 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | — | $104.5M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $323.9M | $232.1M |
| 总资产 | $2.2B | $320.9M |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资PBFSSMRT
| Q4 25 | — | $104.5M | ||
| Q3 25 | — | $100.0M | ||
| Q2 25 | — | $105.0M | ||
| Q1 25 | — | $125.6M | ||
| Q4 24 | — | $142.5M | ||
| Q3 24 | — | $163.4M | ||
| Q2 24 | — | $187.4M | ||
| Q1 24 | — | $204.7M |
股东权益PBFSSMRT
| Q4 25 | $323.9M | $232.1M | ||
| Q3 25 | $314.2M | $234.4M | ||
| Q2 25 | $314.2M | $238.8M | ||
| Q1 25 | $310.7M | $250.7M | ||
| Q4 24 | — | $289.4M | ||
| Q3 24 | $303.8M | $305.1M | ||
| Q2 24 | $296.5M | $329.4M | ||
| Q1 24 | $289.0M | $333.1M |
总资产PBFSSMRT
| Q4 25 | $2.2B | $320.9M | ||
| Q3 25 | $2.2B | $335.8M | ||
| Q2 25 | $2.1B | $354.0M | ||
| Q1 25 | $2.1B | $366.1M | ||
| Q4 24 | — | $420.2M | ||
| Q3 24 | $2.0B | $448.6M | ||
| Q2 24 | — | $475.3M | ||
| Q1 24 | $2.0B | $485.5M |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $11.1M | $7.7M |
| 自由现金流经营现金流 - 资本支出 | — | $7.7M |
| 自由现金流率自由现金流/营收 | — | 21.0% |
| 资本支出强度资本支出/营收 | — | 0.0% |
| 现金转化率经营现金流/净利润 | 2.97× | — |
| 过去12个月自由现金流最近4个季度 | — | $-25.1M |
8季度趋势，按日历期对齐
经营现金流PBFSSMRT
| Q4 25 | $11.1M | $7.7M | ||
| Q3 25 | $3.9M | $-2.1M | ||
| Q2 25 | $5.1M | $-14.9M | ||
| Q1 25 | $-3.5M | $-12.2M | ||
| Q4 24 | — | $-12.0M | ||
| Q3 24 | $1.9M | $-3.7M | ||
| Q2 24 | $9.0M | $-13.9M | ||
| Q1 24 | $3.3M | $-3.3M |
自由现金流PBFSSMRT
| Q4 25 | — | $7.7M | ||
| Q3 25 | — | $-2.2M | ||
| Q2 25 | — | $-16.2M | ||
| Q1 25 | — | $-14.3M | ||
| Q4 24 | — | $-13.3M | ||
| Q3 24 | — | $-3.9M | ||
| Q2 24 | — | $-14.1M | ||
| Q1 24 | — | $-3.4M |
自由现金流率PBFSSMRT
| Q4 25 | — | 21.0% | ||
| Q3 25 | — | -6.1% | ||
| Q2 25 | — | -42.3% | ||
| Q1 25 | — | -34.7% | ||
| Q4 24 | — | -37.5% | ||
| Q3 24 | — | -9.7% | ||
| Q2 24 | — | -29.1% | ||
| Q1 24 | — | -6.7% |
资本支出强度PBFSSMRT
| Q4 25 | — | 0.0% | ||
| Q3 25 | — | 0.2% | ||
| Q2 25 | — | 3.3% | ||
| Q1 25 | — | 5.3% | ||
| Q4 24 | — | 3.5% | ||
| Q3 24 | — | 0.6% | ||
| Q2 24 | — | 0.5% | ||
| Q1 24 | — | 0.1% |
现金转化率PBFSSMRT
| Q4 25 | 2.97× | — | ||
| Q3 25 | 0.90× | — | ||
| Q2 25 | 0.78× | — | ||
| Q1 25 | -0.61× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.30× | — | ||
| Q2 24 | 2.30× | — | ||
| Q1 24 | 0.70× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
PBFS
暂无分部数据
SMRT
| Hosted Services | $18.1M | 50% |
| Hardware Service | $12.5M | 34% |
| Smart Operations Solutions | $2.6M | 7% |
| Access Control | $2.0M | 5% |
| Other Smart Communities Solutions | $1.3M | 3% |
