vs
Pioneer Bancorp, Inc.（PBFS）与Star Holdings（STHO）财务数据对比。点击上方公司名可切换其他公司
Star Holdings的季度营收约是Pioneer Bancorp, Inc.的1.0倍（$25.4M vs $25.0M），Pioneer Bancorp, Inc.净利率更高（82.1% vs -75.5%，领先157.6%），过去两年Pioneer Bancorp, Inc.的营收复合增速更高（144.9% vs -0.2%）
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。
蓝星有限公司是一家印度跨国家电企业，总部位于孟买，主营空调、商用制冷以及机电工程业务，是印度本土市场规模第二大的空调领域本土企业。
PBFS vs STHO — 直观对比
营收规模更大
STHO
是对方的1.0倍
$25.0M
净利率更高
PBFS
高出157.6%
-75.5%
两年增速更快
PBFS
近两年复合增速
-0.2%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $25.0M | $25.4M |
| 净利润 | $3.7M | $-19.1M |
| 毛利率 | — | — |
| 营业利润率 | 21.3% | -91.7% |
| 净利率 | 82.1% | -75.5% |
| 营收同比 | — | -22.6% |
| 净利润同比 | — | 81.3% |
| 每股收益（稀释后） | $0.16 | $-1.52 |
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PBFSSTHO
| Q4 25 | $25.0M | $25.4M | ||
| Q3 25 | $24.0M | $28.1M | ||
| Q2 25 | $24.4M | $42.1M | ||
| Q1 25 | $22.8M | $14.6M | ||
| Q4 24 | — | $32.8M | ||
| Q3 24 | $22.0M | $24.6M | ||
| Q2 24 | $20.9M | $30.6M | ||
| Q1 24 | $21.6M | $25.4M |
净利润PBFSSTHO
| Q4 25 | $3.7M | $-19.1M | ||
| Q3 25 | $4.3M | $1.8M | ||
| Q2 25 | $6.5M | $-39.3M | ||
| Q1 25 | $5.8M | $-7.6M | ||
| Q4 24 | — | $-102.6M | ||
| Q3 24 | $6.3M | $91.9M | ||
| Q2 24 | $3.9M | $-27.1M | ||
| Q1 24 | $4.7M | $-49.0M |
营业利润率PBFSSTHO
| Q4 25 | 21.3% | -91.7% | ||
| Q3 25 | 23.4% | 1.0% | ||
| Q2 25 | 33.3% | -94.5% | ||
| Q1 25 | 32.5% | -55.0% | ||
| Q4 24 | — | -314.1% | ||
| Q3 24 | 37.2% | — | ||
| Q2 24 | 24.1% | -91.5% | ||
| Q1 24 | 28.1% | -192.6% |
净利率PBFSSTHO
| Q4 25 | 82.1% | -75.5% | ||
| Q3 25 | 18.0% | 6.4% | ||
| Q2 25 | 26.4% | -93.5% | ||
| Q1 25 | 25.3% | -52.0% | ||
| Q4 24 | — | -313.1% | ||
| Q3 24 | 28.7% | 374.3% | ||
| Q2 24 | 107.4% | -88.8% | ||
| Q1 24 | 21.9% | -192.6% |
每股收益（稀释后）PBFSSTHO
| Q4 25 | $0.16 | $-1.52 | ||
| Q3 25 | $0.18 | $0.14 | ||
| Q2 25 | $0.26 | $-2.95 | ||
| Q1 25 | $0.23 | $-0.57 | ||
| Q4 24 | — | $-7.69 | ||
| Q3 24 | $0.25 | $6.90 | ||
| Q2 24 | $0.15 | $-2.04 | ||
| Q1 24 | $0.19 | $-3.68 |
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 | — | $50.1M |
| 总债务越低越好 | — | $268.7M |
| 股东权益账面价值 | $323.9M | $251.8M |
| 总资产 | $2.2B | $570.2M |
| 负债/权益比越低杠杆越低 | — | 1.07× |
8季度趋势，按日历期对齐
现金及短期投资PBFSSTHO
| Q4 25 | — | $50.1M | ||
| Q3 25 | — | $40.6M | ||
| Q2 25 | — | $44.2M | ||
| Q1 25 | — | $30.3M | ||
| Q4 24 | — | $35.0M | ||
| Q3 24 | — | $45.0M | ||
| Q2 24 | — | $48.3M | ||
| Q1 24 | — | $45.7M |
总债务PBFSSTHO
| Q4 25 | — | $268.7M | ||
| Q3 25 | — | $259.3M | ||
| Q2 25 | — | $245.4M | ||
| Q1 25 | — | $231.5M | ||
| Q4 24 | — | $217.3M | ||
| Q3 24 | — | $201.2M | ||
| Q2 24 | — | $197.2M | ||
| Q1 24 | — | $195.0M |
股东权益PBFSSTHO
| Q4 25 | $323.9M | $251.8M | ||
| Q3 25 | $314.2M | $275.4M | ||
| Q2 25 | $314.2M | $276.1M | ||
| Q1 25 | $310.7M | $316.1M | ||
| Q4 24 | — | $324.3M | ||
| Q3 24 | $303.8M | $427.5M | ||
| Q2 24 | $296.5M | $335.3M | ||
| Q1 24 | $289.0M | $362.4M |
总资产PBFSSTHO
| Q4 25 | $2.2B | $570.2M | ||
| Q3 25 | $2.2B | $595.9M | ||
| Q2 25 | $2.1B | $589.9M | ||
| Q1 25 | $2.1B | $618.2M | ||
| Q4 24 | — | $608.7M | ||
| Q3 24 | $2.0B | $696.5M | ||
| Q2 24 | — | $601.0M | ||
| Q1 24 | $2.0B | $622.9M |
负债/权益比PBFSSTHO
| Q4 25 | — | 1.07× | ||
| Q3 25 | — | 0.94× | ||
| Q2 25 | — | 0.89× | ||
| Q1 25 | — | 0.73× | ||
| Q4 24 | — | 0.67× | ||
| Q3 24 | — | 0.47× | ||
| Q2 24 | — | 0.59× | ||
| Q1 24 | — | 0.54× |
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 | $-11.7M |
| 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PBFSSTHO
| Q4 25 | $11.1M | $-11.7M | ||
| Q3 25 | $3.9M | $5.3M | ||
| Q2 25 | $5.1M | $-2.6M | ||
| Q1 25 | $-3.5M | $-6.3M | ||
| Q4 24 | — | $-31.3M | ||
| Q3 24 | $1.9M | $-3.8M | ||
| Q2 24 | $9.0M | $-6.4M | ||
| Q1 24 | $3.3M | $-14.2M |
现金转化率PBFSSTHO
| Q4 25 | 2.97× | — | ||
| Q3 25 | 0.90× | 2.95× | ||
| Q2 25 | 0.78× | — | ||
| Q1 25 | -0.61× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.30× | -0.04× | ||
| 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
STHO
| Land Development | $13.0M | 51% |
| Other Income Revenue | $9.3M | 37% |
| Operating Lease Income | $2.0M | 8% |
| Other | $1.2M | 5% |
