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Pioneer Bancorp, Inc.（PBFS）与STEM, INC.（STEM）财务数据对比。点击上方公司名可切换其他公司
STEM, INC.的季度营收约是Pioneer Bancorp, Inc.的1.9倍（$47.1M vs $25.0M），Pioneer Bancorp, Inc.净利率更高（82.1% vs -33.9%，领先116.0%），过去两年Pioneer Bancorp, Inc.的营收复合增速更高（144.9% vs 36.1%）
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。
该公司是一家公开上市的生物制药企业，总部位于加利福尼亚州纽瓦克，专注研发纯化人类神经干细胞，旨在治疗中枢神经系统疾病与瘫痪，其所研发的神经干细胞可分化为中枢神经系统的神经元、星形胶质细胞与少突胶质细胞这三大主要细胞类型。
PBFS vs STEM — 直观对比
营收规模更大
STEM
是对方的1.9倍
$25.0M
净利率更高
PBFS
高出116.0%
-33.9%
两年增速更快
PBFS
近两年复合增速
36.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $25.0M | $47.1M |
| 净利润 | $3.7M | $-16.0M |
| 毛利率 | — | 48.9% |
| 营业利润率 | 21.3% | -17.7% |
| 净利率 | 82.1% | -33.9% |
| 营收同比 | — | -15.6% |
| 净利润同比 | — | 68.8% |
| 每股收益（稀释后） | $0.16 | $-4.40 |
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PBFSSTEM
| Q4 25 | $25.0M | $47.1M | ||
| Q3 25 | $24.0M | $38.2M | ||
| Q2 25 | $24.4M | $38.4M | ||
| Q1 25 | $22.8M | $32.5M | ||
| Q4 24 | — | $55.8M | ||
| Q3 24 | $22.0M | $29.3M | ||
| Q2 24 | $20.9M | $34.0M | ||
| Q1 24 | $21.6M | $25.5M |
净利润PBFSSTEM
| Q4 25 | $3.7M | $-16.0M | ||
| Q3 25 | $4.3M | $-23.8M | ||
| Q2 25 | $6.5M | $202.5M | ||
| Q1 25 | $5.8M | $-25.0M | ||
| Q4 24 | — | $-51.1M | ||
| Q3 24 | $6.3M | $-148.3M | ||
| Q2 24 | $3.9M | $-582.3M | ||
| Q1 24 | $4.7M | $-72.3M |
毛利率PBFSSTEM
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% | ||
| Q1 24 | — | -95.0% |
营业利润率PBFSSTEM
| Q4 25 | 21.3% | -17.7% | ||
| Q3 25 | 23.4% | -33.6% | ||
| Q2 25 | 33.3% | -34.8% | ||
| Q1 25 | 32.5% | -65.0% | ||
| Q4 24 | — | -84.4% | ||
| Q3 24 | 37.2% | -493.2% | ||
| Q2 24 | 24.1% | -1705.5% | ||
| Q1 24 | 28.1% | -267.0% |
净利率PBFSSTEM
| Q4 25 | 82.1% | -33.9% | ||
| Q3 25 | 18.0% | -62.2% | ||
| Q2 25 | 26.4% | 527.8% | ||
| Q1 25 | 25.3% | -76.9% | ||
| Q4 24 | — | -91.6% | ||
| Q3 24 | 28.7% | -506.3% | ||
| Q2 24 | 107.4% | -1712.6% | ||
| Q1 24 | 21.9% | -283.9% |
每股收益（稀释后）PBFSSTEM
| Q4 25 | $0.16 | $-4.40 | ||
| Q3 25 | $0.18 | $-2.84 | ||
| Q2 25 | $0.26 | $-1.79 | ||
| Q1 25 | $0.23 | $-0.15 | ||
| Q4 24 | — | $-15.29 | ||
| Q3 24 | $0.25 | $-18.24 | ||
| Q2 24 | $0.15 | $-71.81 | ||
| Q1 24 | $0.19 | $-0.46 |
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 | — | $48.9M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $323.9M | $-249.4M |
| 总资产 | $2.2B | $308.9M |
| 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PBFSSTEM
| Q4 25 | — | $48.9M | ||
| Q3 25 | — | $43.1M | ||
| Q2 25 | — | $40.8M | ||
| Q1 25 | — | $58.6M | ||
| Q4 24 | — | $56.3M | ||
| Q3 24 | — | $75.4M | ||
| Q2 24 | — | $89.6M | ||
| Q1 24 | — | $112.8M |
股东权益PBFSSTEM
| Q4 25 | $323.9M | $-249.4M | ||
| Q3 25 | $314.2M | $-235.7M | ||
| Q2 25 | $314.2M | $-214.1M | ||
| Q1 25 | $310.7M | $-417.5M | ||
| Q4 24 | — | $-398.4M | ||
| Q3 24 | $303.8M | $-344.1M | ||
| Q2 24 | $296.5M | $-203.2M | ||
| Q1 24 | $289.0M | $371.6M |
总资产PBFSSTEM
| Q4 25 | $2.2B | $308.9M | ||
| Q3 25 | $2.2B | $362.6M | ||
| Q2 25 | $2.1B | $379.2M | ||
| Q1 25 | $2.1B | $405.1M | ||
| Q4 24 | — | $437.4M | ||
| Q3 24 | $2.0B | $537.8M | ||
| Q2 24 | — | $691.5M | ||
| Q1 24 | $2.0B | $1.3B |
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 | $8.2M |
| 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PBFSSTEM
| Q4 25 | $11.1M | $8.2M | ||
| Q3 25 | $3.9M | $11.4M | ||
| Q2 25 | $5.1M | $-21.3M | ||
| Q1 25 | $-3.5M | $8.5M | ||
| Q4 24 | — | $-14.7M | ||
| Q3 24 | $1.9M | $-9.4M | ||
| Q2 24 | $9.0M | $-11.9M | ||
| Q1 24 | $3.3M | $-621.0K |
现金转化率PBFSSTEM
| Q4 25 | 2.97× | — | ||
| Q3 25 | 0.90× | — | ||
| Q2 25 | 0.78× | -0.11× | ||
| 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
