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Pioneer Bancorp, Inc.（PBFS）与Spire Global, Inc.（SPIR）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Spire Global, Inc.的1.6倍（$25.0M vs $15.8M），Pioneer Bancorp, Inc.净利率更高（82.1% vs -176.6%，领先258.7%），过去两年Pioneer Bancorp, Inc.的营收复合增速更高（144.9% vs -32.6%）
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。
Spire Global, Inc.是一家天基云数据与分析服务企业，核心业务依托由大量纳米卫星组成的卫星星座，提供覆盖全球的多领域数据集追踪服务，具体包含船舶航运追踪、航空航行监控以及气象模式观测等相关业务，服务覆盖全球范围。
PBFS vs SPIR — 直观对比
营收规模更大
PBFS
是对方的1.6倍
$15.8M
净利率更高
PBFS
高出258.7%
-176.6%
两年增速更快
PBFS
近两年复合增速
-32.6%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $25.0M | $15.8M |
| 净利润 | $3.7M | $-28.0M |
| 毛利率 | — | 40.2% |
| 营业利润率 | 21.3% | -164.1% |
| 净利率 | 82.1% | -176.6% |
| 营收同比 | — | -26.9% |
| 净利润同比 | — | 42.7% |
| 每股收益（稀释后） | $0.16 | $-0.85 |
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PBFSSPIR
| Q4 25 | $25.0M | $15.8M | ||
| Q3 25 | $24.0M | $12.7M | ||
| Q2 25 | $24.4M | $19.2M | ||
| Q1 25 | $22.8M | $23.9M | ||
| Q4 24 | — | $21.7M | ||
| Q3 24 | $22.0M | $28.6M | ||
| Q2 24 | $20.9M | $25.4M | ||
| Q1 24 | $21.6M | $34.8M |
净利润PBFSSPIR
| Q4 25 | $3.7M | $-28.0M | ||
| Q3 25 | $4.3M | $-19.7M | ||
| Q2 25 | $6.5M | $119.6M | ||
| Q1 25 | $5.8M | $-20.7M | ||
| Q4 24 | — | $-48.8M | ||
| Q3 24 | $6.3M | $-12.5M | ||
| Q2 24 | $3.9M | $-16.6M | ||
| Q1 24 | $4.7M | $-25.5M |
毛利率PBFSSPIR
| Q4 25 | — | 40.2% | ||
| Q3 25 | — | 36.6% | ||
| Q2 25 | — | 48.9% | ||
| Q1 25 | — | 36.8% | ||
| Q4 24 | — | 32.4% | ||
| Q3 24 | — | 44.5% | ||
| Q2 24 | — | 43.0% | ||
| Q1 24 | — | 26.5% |
营业利润率PBFSSPIR
| Q4 25 | 21.3% | -164.1% | ||
| Q3 25 | 23.4% | -166.1% | ||
| Q2 25 | 33.3% | -122.7% | ||
| Q1 25 | 32.5% | -106.5% | ||
| Q4 24 | — | -144.1% | ||
| Q3 24 | 37.2% | -48.0% | ||
| Q2 24 | 24.1% | -48.6% | ||
| Q1 24 | 28.1% | -34.4% |
净利率PBFSSPIR
| Q4 25 | 82.1% | -176.6% | ||
| Q3 25 | 18.0% | -155.3% | ||
| Q2 25 | 26.4% | 623.4% | ||
| Q1 25 | 25.3% | -86.5% | ||
| Q4 24 | — | -225.2% | ||
| Q3 24 | 28.7% | -43.7% | ||
| Q2 24 | 107.4% | -65.2% | ||
| Q1 24 | 21.9% | -73.3% |
每股收益（稀释后）PBFSSPIR
| Q4 25 | $0.16 | $-0.85 | ||
| Q3 25 | $0.18 | $-0.61 | ||
| Q2 25 | $0.26 | $3.72 | ||
| Q1 25 | $0.23 | $-0.77 | ||
| Q4 24 | — | $-1.93 | ||
| Q3 24 | $0.25 | $-0.50 | ||
| Q2 24 | $0.15 | $-0.68 | ||
| Q1 24 | $0.19 | $-1.17 |
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 | — | $81.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $323.9M | $112.9M |
| 总资产 | $2.2B | $211.0M |
| 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PBFSSPIR
| Q4 25 | — | $81.8M | ||
| Q3 25 | — | $96.8M | ||
| Q2 25 | — | $117.6M | ||
| Q1 25 | — | $35.9M | ||
| Q4 24 | — | $19.2M | ||
| Q3 24 | — | $36.6M | ||
| Q2 24 | — | $45.8M | ||
| Q1 24 | — | $63.7M |
总债务PBFSSPIR
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $103.7M | ||
| Q4 24 | — | $103.1M | ||
| Q3 24 | — | $4.9M | ||
| Q2 24 | — | $4.9M | ||
| Q1 24 | — | $123.1M |
股东权益PBFSSPIR
| Q4 25 | $323.9M | $112.9M | ||
| Q3 25 | $314.2M | $133.1M | ||
| Q2 25 | $314.2M | $149.2M | ||
| Q1 25 | $310.7M | $3.7M | ||
| Q4 24 | — | $-11.7M | ||
| Q3 24 | $303.8M | $30.8M | ||
| Q2 24 | $296.5M | $40.3M | ||
| Q1 24 | $289.0M | $52.5M |
总资产PBFSSPIR
| Q4 25 | $2.2B | $211.0M | ||
| Q3 25 | $2.2B | $224.3M | ||
| Q2 25 | $2.1B | $239.5M | ||
| Q1 25 | $2.1B | $208.8M | ||
| Q4 24 | — | $193.6M | ||
| Q3 24 | $2.0B | $224.2M | ||
| Q2 24 | — | $230.8M | ||
| Q1 24 | $2.0B | $252.3M |
负债/权益比PBFSSPIR
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 27.92× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.16× | ||
| Q2 24 | — | 0.12× | ||
| Q1 24 | — | 2.35× |
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 | $-4.3M |
| 自由现金流经营现金流 - 资本支出 | — | $-16.2M |
| 自由现金流率自由现金流/营收 | — | -102.1% |
| 资本支出强度资本支出/营收 | — | 75.1% |
| 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 | — | $-92.6M |
8季度趋势，按日历期对齐
经营现金流PBFSSPIR
| Q4 25 | $11.1M | $-4.3M | ||
| Q3 25 | $3.9M | $-12.0M | ||
| Q2 25 | $5.1M | $-35.1M | ||
| Q1 25 | $-3.5M | $-8.4M | ||
| Q4 24 | — | $-19.2M | ||
| Q3 24 | $1.9M | $14.0M | ||
| Q2 24 | $9.0M | $-4.4M | ||
| Q1 24 | $3.3M | $-8.8M |
自由现金流PBFSSPIR
| Q4 25 | — | $-16.2M | ||
| Q3 25 | — | $-20.4M | ||
| Q2 25 | — | $-38.7M | ||
| Q1 25 | — | $-17.3M | ||
| Q4 24 | — | $-24.3M | ||
| Q3 24 | — | $5.1M | ||
| Q2 24 | — | $-9.9M | ||
| Q1 24 | — | $-15.9M |
自由现金流率PBFSSPIR
| Q4 25 | — | -102.1% | ||
| Q3 25 | — | -161.3% | ||
| Q2 25 | — | -201.7% | ||
| Q1 25 | — | -72.6% | ||
| Q4 24 | — | -112.2% | ||
| Q3 24 | — | 17.8% | ||
| Q2 24 | — | -39.0% | ||
| Q1 24 | — | -45.7% |
资本支出强度PBFSSPIR
| Q4 25 | — | 75.1% | ||
| Q3 25 | — | 66.2% | ||
| Q2 25 | — | 18.8% | ||
| Q1 25 | — | 37.3% | ||
| Q4 24 | — | 23.5% | ||
| Q3 24 | — | 31.2% | ||
| Q2 24 | — | 21.8% | ||
| Q1 24 | — | 20.3% |
现金转化率PBFSSPIR
| Q4 25 | 2.97× | — | ||
| Q3 25 | 0.90× | — | ||
| Q2 25 | 0.78× | -0.29× | ||
| 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
