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Pioneer Bancorp, Inc.（PBFS）与Neuronetics, Inc.（STIM）财务数据对比。点击上方公司名可切换其他公司
Neuronetics, Inc.的季度营收约是Pioneer Bancorp, Inc.的1.7倍（$41.8M vs $25.0M），Pioneer Bancorp, Inc.净利率更高（82.1% vs -17.2%，领先99.4%），过去两年Pioneer Bancorp, Inc.的营收复合增速更高（144.9% vs 54.9%）
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。
Neuronetics, Inc.是一家总部位于宾夕法尼亚州莫尔文的上市公司，2003年4月于特拉华州成立，专注研发神经调节技术相关产品，为传统治疗无效或耐药的精神疾病提供无创治疗方案。
PBFS vs STIM — 直观对比
营收规模更大
STIM
是对方的1.7倍
$25.0M
净利率更高
PBFS
高出99.4%
-17.2%
两年增速更快
PBFS
近两年复合增速
54.9%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $25.0M | $41.8M |
| 净利润 | $3.7M | $-7.2M |
| 毛利率 | — | 52.0% |
| 营业利润率 | 21.3% | -12.1% |
| 净利率 | 82.1% | -17.2% |
| 营收同比 | — | 85.7% |
| 净利润同比 | — | 43.2% |
| 每股收益（稀释后） | $0.16 | $-0.10 |
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PBFSSTIM
| Q4 25 | $25.0M | $41.8M | ||
| Q3 25 | $24.0M | $37.3M | ||
| Q2 25 | $24.4M | $38.1M | ||
| Q1 25 | $22.8M | $32.0M | ||
| Q4 24 | — | $22.5M | ||
| Q3 24 | $22.0M | $18.5M | ||
| Q2 24 | $20.9M | $16.4M | ||
| Q1 24 | $21.6M | $17.4M |
净利润PBFSSTIM
| Q4 25 | $3.7M | $-7.2M | ||
| Q3 25 | $4.3M | $-9.0M | ||
| Q2 25 | $6.5M | $-10.1M | ||
| Q1 25 | $5.8M | $-12.7M | ||
| Q4 24 | — | $-12.7M | ||
| Q3 24 | $6.3M | $-13.3M | ||
| Q2 24 | $3.9M | $-9.8M | ||
| Q1 24 | $4.7M | $-7.9M |
毛利率PBFSSTIM
| Q4 25 | — | 52.0% | ||
| Q3 25 | — | 45.9% | ||
| Q2 25 | — | 46.6% | ||
| Q1 25 | — | 49.2% | ||
| Q4 24 | — | 66.2% | ||
| Q3 24 | — | 75.6% | ||
| Q2 24 | — | 74.0% | ||
| Q1 24 | — | 75.1% |
营业利润率PBFSSTIM
| Q4 25 | 21.3% | -12.1% | ||
| Q3 25 | 23.4% | -19.6% | ||
| Q2 25 | 33.3% | -21.1% | ||
| Q1 25 | 32.5% | -34.4% | ||
| Q4 24 | — | -51.0% | ||
| Q3 24 | 37.2% | -41.7% | ||
| Q2 24 | 24.1% | -51.7% | ||
| Q1 24 | 28.1% | -39.4% |
净利率PBFSSTIM
| Q4 25 | 82.1% | -17.2% | ||
| Q3 25 | 18.0% | -24.3% | ||
| Q2 25 | 26.4% | -26.6% | ||
| Q1 25 | 25.3% | -39.6% | ||
| Q4 24 | — | -56.4% | ||
| Q3 24 | 28.7% | -72.0% | ||
| Q2 24 | 107.4% | -59.8% | ||
| Q1 24 | 21.9% | -45.2% |
每股收益（稀释后）PBFSSTIM
| Q4 25 | $0.16 | $-0.10 | ||
| Q3 25 | $0.18 | $-0.13 | ||
| Q2 25 | $0.26 | $-0.15 | ||
| Q1 25 | $0.23 | $-0.21 | ||
| Q4 24 | — | $-0.34 | ||
| Q3 24 | $0.25 | $-0.44 | ||
| Q2 24 | $0.15 | $-0.33 | ||
| Q1 24 | $0.19 | $-0.27 |
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 | — | $28.1M |
| 总债务越低越好 | — | $65.8M |
| 股东权益账面价值 | $323.9M | $22.4M |
| 总资产 | $2.2B | $141.6M |
| 负债/权益比越低杠杆越低 | — | 2.94× |
8季度趋势，按日历期对齐
现金及短期投资PBFSSTIM
| Q4 25 | — | $28.1M | ||
| Q3 25 | — | $28.0M | ||
| Q2 25 | — | $11.0M | ||
| Q1 25 | — | $20.2M | ||
| Q4 24 | — | $18.5M | ||
| Q3 24 | — | $20.9M | ||
| Q2 24 | — | $42.6M | ||
| Q1 24 | — | $47.7M |
总债务PBFSSTIM
| Q4 25 | — | $65.8M | ||
| Q3 25 | — | $65.7M | ||
| Q2 25 | — | $55.5M | ||
| Q1 25 | — | $55.3M | ||
| Q4 24 | — | $55.2M | ||
| Q3 24 | — | $46.0M | ||
| Q2 24 | — | $59.8M | ||
| Q1 24 | — | $59.4M |
股东权益PBFSSTIM
| Q4 25 | $323.9M | $22.4M | ||
| Q3 25 | $314.2M | $27.4M | ||
| Q2 25 | $314.2M | $27.1M | ||
| Q1 25 | $310.7M | $35.5M | ||
| Q4 24 | — | $27.7M | ||
| Q3 24 | $303.8M | $9.4M | ||
| Q2 24 | $296.5M | $19.4M | ||
| Q1 24 | $289.0M | $27.7M |
总资产PBFSSTIM
| Q4 25 | $2.2B | $141.6M | ||
| Q3 25 | $2.2B | $145.5M | ||
| Q2 25 | $2.1B | $134.7M | ||
| Q1 25 | $2.1B | $142.0M | ||
| Q4 24 | — | $140.9M | ||
| Q3 24 | $2.0B | — | ||
| Q2 24 | — | $96.8M | ||
| Q1 24 | $2.0B | $103.8M |
负债/权益比PBFSSTIM
| Q4 25 | — | 2.94× | ||
| Q3 25 | — | 2.40× | ||
| Q2 25 | — | 2.05× | ||
| Q1 25 | — | 1.56× | ||
| Q4 24 | — | 1.99× | ||
| Q3 24 | — | 4.90× | ||
| Q2 24 | — | 3.08× | ||
| Q1 24 | — | 2.15× |
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 | $908.0K |
| 自由现金流经营现金流 - 资本支出 | — | $692.0K |
| 自由现金流率自由现金流/营收 | — | 1.7% |
| 资本支出强度资本支出/营收 | — | 0.5% |
| 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 | — | $-21.2M |
8季度趋势，按日历期对齐
经营现金流PBFSSTIM
| Q4 25 | $11.1M | $908.0K | ||
| Q3 25 | $3.9M | $-785.0K | ||
| Q2 25 | $5.1M | $-3.5M | ||
| Q1 25 | $-3.5M | $-17.0M | ||
| Q4 24 | — | $-8.6M | ||
| Q3 24 | $1.9M | $-5.4M | ||
| Q2 24 | $9.0M | $-5.0M | ||
| Q1 24 | $3.3M | $-12.0M |
自由现金流PBFSSTIM
| Q4 25 | — | $692.0K | ||
| Q3 25 | — | $-899.0K | ||
| Q2 25 | — | $-3.8M | ||
| Q1 25 | — | $-17.2M | ||
| Q4 24 | — | $-8.7M | ||
| Q3 24 | — | $-5.8M | ||
| Q2 24 | — | $-5.6M | ||
| Q1 24 | — | $-12.4M |
自由现金流率PBFSSTIM
| Q4 25 | — | 1.7% | ||
| Q3 25 | — | -2.4% | ||
| Q2 25 | — | -9.9% | ||
| Q1 25 | — | -53.8% | ||
| Q4 24 | — | -38.6% | ||
| Q3 24 | — | -31.3% | ||
| Q2 24 | — | -34.0% | ||
| Q1 24 | — | -71.1% |
资本支出强度PBFSSTIM
| Q4 25 | — | 0.5% | ||
| Q3 25 | — | 0.3% | ||
| Q2 25 | — | 0.7% | ||
| Q1 25 | — | 0.7% | ||
| Q4 24 | — | 0.4% | ||
| Q3 24 | — | 2.1% | ||
| Q2 24 | — | 3.7% | ||
| Q1 24 | — | 2.2% |
现金转化率PBFSSTIM
| Q4 25 | 2.97× | — | ||
| Q3 25 | 0.90× | — | ||
| Q2 25 | 0.78× | — | ||
| 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
