vs
Pioneer Bancorp, Inc.（PBFS）与蜗牛（SNAL）财务数据对比。点击上方公司名可切换其他公司
蜗牛的季度营收约是Pioneer Bancorp, Inc.的1.0倍（$25.1M vs $25.0M），Pioneer Bancorp, Inc.净利率更高（82.1% vs -3.4%，领先85.5%），过去两年Pioneer Bancorp, Inc.的营收复合增速更高（144.9% vs 33.4%）
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。
苏州蜗牛数字科技股份有限公司，简称蜗牛，是总部位于苏州的中国游戏企业，同时持有虚拟运营商牌照，旗下拥有蜗牛游戏、蜗牛移动两大业务板块，北美分部负责在美洲及欧洲地区推广旗下游戏产品。蜗牛主营大型多人在线、即时战略与休闲类游戏，全球累计注册用户已超7000万。
PBFS vs SNAL — 直观对比
营收规模更大
SNAL
是对方的1.0倍
$25.0M
净利率更高
PBFS
高出85.5%
-3.4%
两年增速更快
PBFS
近两年复合增速
33.4%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $25.0M | $25.1M |
| 净利润 | $3.7M | $-862.2K |
| 毛利率 | — | 38.3% |
| 营业利润率 | 21.3% | -6.0% |
| 净利率 | 82.1% | -3.4% |
| 营收同比 | — | -4.2% |
| 净利润同比 | — | -177.0% |
| 每股收益（稀释后） | $0.16 | — |
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PBFSSNAL
| Q4 25 | $25.0M | $25.1M | ||
| Q3 25 | $24.0M | $13.8M | ||
| Q2 25 | $24.4M | $22.2M | ||
| Q1 25 | $22.8M | $20.1M | ||
| Q4 24 | — | $26.2M | ||
| Q3 24 | $22.0M | $22.5M | ||
| Q2 24 | $20.9M | $21.6M | ||
| Q1 24 | $21.6M | $14.1M |
净利润PBFSSNAL
| Q4 25 | $3.7M | $-862.2K | ||
| Q3 25 | $4.3M | $-7.9M | ||
| Q2 25 | $6.5M | $-16.6M | ||
| Q1 25 | $5.8M | $-1.9M | ||
| Q4 24 | — | $1.1M | ||
| Q3 24 | $6.3M | $235.1K | ||
| Q2 24 | $3.9M | $2.3M | ||
| Q1 24 | $4.7M | $-1.8M |
毛利率PBFSSNAL
| Q4 25 | — | 38.3% | ||
| Q3 25 | — | 0.1% | ||
| Q2 25 | — | 31.3% | ||
| Q1 25 | — | 29.1% | ||
| Q4 24 | — | 43.3% | ||
| Q3 24 | — | 38.6% | ||
| Q2 24 | — | 37.5% | ||
| Q1 24 | — | 14.7% |
营业利润率PBFSSNAL
| Q4 25 | 21.3% | -6.0% | ||
| Q3 25 | 23.4% | -71.3% | ||
| Q2 25 | 33.3% | -8.2% | ||
| Q1 25 | 32.5% | -20.4% | ||
| Q4 24 | — | 11.5% | ||
| Q3 24 | 37.2% | 1.8% | ||
| Q2 24 | 24.1% | 12.4% | ||
| Q1 24 | 28.1% | -15.6% |
净利率PBFSSNAL
| Q4 25 | 82.1% | -3.4% | ||
| Q3 25 | 18.0% | -56.9% | ||
| Q2 25 | 26.4% | -74.7% | ||
| Q1 25 | 25.3% | -9.7% | ||
| Q4 24 | — | 4.3% | ||
| Q3 24 | 28.7% | 1.0% | ||
| Q2 24 | 107.4% | 10.4% | ||
| Q1 24 | 21.9% | -12.6% |
每股收益（稀释后）PBFSSNAL
| Q4 25 | $0.16 | — | ||
| Q3 25 | $0.18 | — | ||
| Q2 25 | $0.26 | $-0.44 | ||
| Q1 25 | $0.23 | $-0.06 | ||
| Q4 24 | — | $0.03 | ||
| Q3 24 | $0.25 | $0.01 | ||
| Q2 24 | $0.15 | $0.06 | ||
| Q1 24 | $0.19 | $-0.05 |
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 | — | $8.6M |
| 总债务越低越好 | — | $14.6M |
| 股东权益账面价值 | $323.9M | $-16.4M |
| 总资产 | $2.2B | $59.3M |
| 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PBFSSNAL
| Q4 25 | — | $8.6M | ||
| Q3 25 | — | $12.3M | ||
| Q2 25 | — | $7.9M | ||
| Q1 25 | — | $9.4M | ||
| Q4 24 | — | $7.3M | ||
| Q3 24 | — | $10.6M | ||
| Q2 24 | — | $15.5M | ||
| Q1 24 | — | $16.1M |
总债务PBFSSNAL
| Q4 25 | — | $14.6M | ||
| Q3 25 | — | $10.5M | ||
| Q2 25 | — | $11.8M | ||
| Q1 25 | — | $9.0M | ||
| Q4 24 | — | $5.7M | ||
| Q3 24 | — | $5.7M | ||
| Q2 24 | — | $5.8M | ||
| Q1 24 | — | $6.5M |
股东权益PBFSSNAL
| Q4 25 | $323.9M | $-16.4M | ||
| Q3 25 | $314.2M | $-15.6M | ||
| Q2 25 | $314.2M | $-8.0M | ||
| Q1 25 | $310.7M | $9.1M | ||
| Q4 24 | — | $9.7M | ||
| Q3 24 | $303.8M | $8.2M | ||
| Q2 24 | $296.5M | $7.9M | ||
| Q1 24 | $289.0M | $5.6M |
总资产PBFSSNAL
| Q4 25 | $2.2B | $59.3M | ||
| Q3 25 | $2.2B | $51.1M | ||
| Q2 25 | $2.1B | $58.0M | ||
| Q1 25 | $2.1B | $64.5M | ||
| Q4 24 | — | $62.2M | ||
| Q3 24 | $2.0B | $66.8M | ||
| Q2 24 | — | $75.4M | ||
| Q1 24 | $2.0B | $78.3M |
负债/权益比PBFSSNAL
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 0.99× | ||
| Q4 24 | — | 0.59× | ||
| Q3 24 | — | 0.70× | ||
| Q2 24 | — | 0.73× | ||
| Q1 24 | — | 1.16× |
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 | $-5.3M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 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 | — | — |
8季度趋势，按日历期对齐
经营现金流PBFSSNAL
| Q4 25 | $11.1M | $-5.3M | ||
| Q3 25 | $3.9M | $6.6M | ||
| Q2 25 | $5.1M | $-3.2M | ||
| Q1 25 | $-3.5M | $764.5K | ||
| Q4 24 | — | $-3.6M | ||
| Q3 24 | $1.9M | $-5.0M | ||
| Q2 24 | $9.0M | $206.6K | ||
| Q1 24 | $3.3M | $6.8M |
现金转化率PBFSSNAL
| Q4 25 | 2.97× | — | ||
| Q3 25 | 0.90× | — | ||
| Q2 25 | 0.78× | — | ||
| Q1 25 | -0.61× | — | ||
| Q4 24 | — | -3.21× | ||
| Q3 24 | 0.30× | -21.05× | ||
| Q2 24 | 2.30× | 0.09× | ||
| 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
SNAL
| Pc | $14.7M | 59% |
| Platform Three | $5.2M | 21% |
| Platform Two | $3.3M | 13% |
| Sales Channel Directly To Consumer Mobile Sale | $1.6M | 6% |
