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Pioneer Bancorp, Inc.（PBFS）与SuperCom Ltd（SPCB）财务数据对比。点击上方公司名可切换其他公司
Pioneer Bancorp, Inc.的季度营收约是SuperCom Ltd的1.8倍（$25.0M vs $14.2M），Pioneer Bancorp, Inc.净利率更高（82.1% vs 37.5%，领先44.6%）
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。
Super.com是一家总部位于美国旧金山的科技公司，由侯赛因·法扎勒和施亨利联合创立。该公司主营金融服务业务，具体涵盖会员奖励计划以及旅行预订等相关服务，在出行与消费金融领域深耕发展。
PBFS vs SPCB — 直观对比
营收规模更大
PBFS
是对方的1.8倍
$14.2M
净利率更高
PBFS
高出44.6%
37.5%
损益表 — Q4 FY2025 vs Q2 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $25.0M | $14.2M |
| 净利润 | $3.7M | $5.3M |
| 毛利率 | — | 61.2% |
| 营业利润率 | 21.3% | 16.3% |
| 净利率 | 82.1% | 37.5% |
| 营收同比 | — | -1.5% |
| 净利润同比 | — | 79.5% |
| 每股收益（稀释后） | $0.16 | $1.32 |
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PBFSSPCB
| Q4 25 | $25.0M | — | ||
| Q3 25 | $24.0M | — | ||
| Q2 25 | $24.4M | $14.2M | ||
| Q1 25 | $22.8M | — | ||
| Q3 24 | $22.0M | — | ||
| Q2 24 | $20.9M | $14.4M | ||
| Q1 24 | $21.6M | — | ||
| Q4 23 | $4.2M | — |
净利润PBFSSPCB
| Q4 25 | $3.7M | — | ||
| Q3 25 | $4.3M | — | ||
| Q2 25 | $6.5M | $5.3M | ||
| Q1 25 | $5.8M | — | ||
| Q3 24 | $6.3M | — | ||
| Q2 24 | $3.9M | $3.0M | ||
| Q1 24 | $4.7M | — | ||
| Q4 23 | $3.2M | — |
毛利率PBFSSPCB
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 61.2% | ||
| Q1 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 52.3% | ||
| Q1 24 | — | — | ||
| Q4 23 | — | — |
营业利润率PBFSSPCB
| Q4 25 | 21.3% | — | ||
| Q3 25 | 23.4% | — | ||
| Q2 25 | 33.3% | 16.3% | ||
| Q1 25 | 32.5% | — | ||
| Q3 24 | 37.2% | — | ||
| Q2 24 | 24.1% | 7.7% | ||
| Q1 24 | 28.1% | — | ||
| Q4 23 | 96.1% | — |
净利率PBFSSPCB
| Q4 25 | 82.1% | — | ||
| Q3 25 | 18.0% | — | ||
| Q2 25 | 26.4% | 37.5% | ||
| Q1 25 | 25.3% | — | ||
| Q3 24 | 28.7% | — | ||
| Q2 24 | 107.4% | 20.6% | ||
| Q1 24 | 21.9% | — | ||
| Q4 23 | 76.4% | — |
每股收益（稀释后）PBFSSPCB
| Q4 25 | $0.16 | — | ||
| Q3 25 | $0.18 | — | ||
| Q2 25 | $0.26 | $1.32 | ||
| Q1 25 | $0.23 | — | ||
| Q3 24 | $0.25 | — | ||
| Q2 24 | $0.15 | $1.19 | ||
| Q1 24 | $0.19 | — | ||
| Q4 23 | $0.13 | — |
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 | — | $15.0M |
| 总债务越低越好 | — | $23.6M |
| 股东权益账面价值 | $323.9M | $37.3M |
| 总资产 | $2.2B | $65.5M |
| 负债/权益比越低杠杆越低 | — | 0.63× |
8季度趋势，按日历期对齐
现金及短期投资PBFSSPCB
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $15.0M | ||
| Q1 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $5.7M | ||
| Q1 24 | — | — | ||
| Q4 23 | — | — |
总债务PBFSSPCB
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $23.6M | ||
| Q1 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $29.2M | ||
| Q1 24 | — | — | ||
| Q4 23 | — | — |
股东权益PBFSSPCB
| Q4 25 | $323.9M | — | ||
| Q3 25 | $314.2M | — | ||
| Q2 25 | $314.2M | $37.3M | ||
| Q1 25 | $310.7M | — | ||
| Q3 24 | $303.8M | — | ||
| Q2 24 | $296.5M | $13.8M | ||
| Q1 24 | $289.0M | — | ||
| Q4 23 | $283.8M | — |
总资产PBFSSPCB
| Q4 25 | $2.2B | — | ||
| Q3 25 | $2.2B | — | ||
| Q2 25 | $2.1B | $65.5M | ||
| Q1 25 | $2.1B | — | ||
| Q3 24 | $2.0B | — | ||
| Q2 24 | — | $49.6M | ||
| Q1 24 | $2.0B | — | ||
| Q4 23 | $1.9B | — |
负债/权益比PBFSSPCB
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 0.63× | ||
| Q1 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 2.11× | ||
| Q1 24 | — | — | ||
| Q4 23 | — | — |
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 | $-2.2M |
| 自由现金流经营现金流 - 资本支出 | — | $-3.6M |
| 自由现金流率自由现金流/营收 | — | -25.3% |
| 资本支出强度资本支出/营收 | — | 10.0% |
| 现金转化率经营现金流/净利润 | 2.97× | -0.41× |
| 过去12个月自由现金流最近4个季度 | — | $-14.0M |
8季度趋势，按日历期对齐
经营现金流PBFSSPCB
| Q4 25 | $11.1M | — | ||
| Q3 25 | $3.9M | — | ||
| Q2 25 | $5.1M | $-2.2M | ||
| Q1 25 | $-3.5M | — | ||
| Q3 24 | $1.9M | — | ||
| Q2 24 | $9.0M | $-950.0K | ||
| Q1 24 | $3.3M | — | ||
| Q4 23 | $-943.0K | — |
自由现金流PBFSSPCB
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $-3.6M | ||
| Q1 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $-1.6M | ||
| Q1 24 | — | — | ||
| Q4 23 | — | — |
自由现金流率PBFSSPCB
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | -25.3% | ||
| Q1 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | -10.8% | ||
| Q1 24 | — | — | ||
| Q4 23 | — | — |
资本支出强度PBFSSPCB
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 10.0% | ||
| Q1 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 4.2% | ||
| Q1 24 | — | — | ||
| Q4 23 | — | — |
现金转化率PBFSSPCB
| Q4 25 | 2.97× | — | ||
| Q3 25 | 0.90× | — | ||
| Q2 25 | 0.78× | -0.41× | ||
| Q1 25 | -0.61× | — | ||
| Q3 24 | 0.30× | — | ||
| Q2 24 | 2.30× | -0.32× | ||
| Q1 24 | 0.70× | — | ||
| Q4 23 | -0.30× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
