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Pioneer Bancorp, Inc.（PBFS）与Stran & Company, Inc.（SWAG）财务数据对比。点击上方公司名可切换其他公司
Stran & Company, Inc.的季度营收约是Pioneer Bancorp, Inc.的1.2倍（$28.9M vs $25.0M），Pioneer Bancorp, Inc.净利率更高（82.1% vs 0.8%，领先81.3%），过去两年Pioneer Bancorp, Inc.的营收复合增速更高（144.9% vs 24.0%）
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。
Stran & Company, Inc.是品牌促销产品、定制周边及一体化营销解决方案供应商，服务覆盖零售、医疗、科技、教育等领域企业客户，助力客户开展品牌宣传、用户运营及员工激励相关工作。
PBFS vs SWAG — 直观对比
营收规模更大
SWAG
是对方的1.2倍
$25.0M
净利率更高
PBFS
高出81.3%
0.8%
两年增速更快
PBFS
近两年复合增速
24.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $25.0M | $28.9M |
| 净利润 | $3.7M | $243.0K |
| 毛利率 | — | 30.4% |
| 营业利润率 | 21.3% | -0.1% |
| 净利率 | 82.1% | 0.8% |
| 营收同比 | — | 7.2% |
| 净利润同比 | — | 141.5% |
| 每股收益（稀释后） | $0.16 | $0.02 |
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PBFSSWAG
| Q4 25 | $25.0M | $28.9M | ||
| Q3 25 | $24.0M | $26.0M | ||
| Q2 25 | $24.4M | $32.6M | ||
| Q1 25 | $22.8M | $28.7M | ||
| Q4 24 | — | $27.0M | ||
| Q3 24 | $22.0M | $20.1M | ||
| Q2 24 | $20.9M | $16.7M | ||
| Q1 24 | $21.6M | $18.8M |
净利润PBFSSWAG
| Q4 25 | $3.7M | $243.0K | ||
| Q3 25 | $4.3M | $-1.2M | ||
| Q2 25 | $6.5M | $643.0K | ||
| Q1 25 | $5.8M | $-393.0K | ||
| Q4 24 | — | $-586.0K | ||
| Q3 24 | $6.3M | $-2.0M | ||
| Q2 24 | $3.9M | $-1.0M | ||
| Q1 24 | $4.7M | $-491.0K |
毛利率PBFSSWAG
| Q4 25 | — | 30.4% | ||
| Q3 25 | — | 27.2% | ||
| Q2 25 | — | 30.3% | ||
| Q1 25 | — | 29.6% | ||
| Q4 24 | — | 32.5% | ||
| Q3 24 | — | 29.5% | ||
| Q2 24 | — | 32.8% | ||
| Q1 24 | — | 29.8% |
营业利润率PBFSSWAG
| Q4 25 | 21.3% | -0.1% | ||
| Q3 25 | 23.4% | -6.9% | ||
| Q2 25 | 33.3% | 1.2% | ||
| Q1 25 | 32.5% | -1.9% | ||
| Q4 24 | — | -3.5% | ||
| Q3 24 | 37.2% | -10.8% | ||
| Q2 24 | 24.1% | -6.6% | ||
| Q1 24 | 28.1% | -3.5% |
净利率PBFSSWAG
| Q4 25 | 82.1% | 0.8% | ||
| Q3 25 | 18.0% | -4.8% | ||
| Q2 25 | 26.4% | 2.0% | ||
| Q1 25 | 25.3% | -1.4% | ||
| Q4 24 | — | -2.2% | ||
| Q3 24 | 28.7% | -10.1% | ||
| Q2 24 | 107.4% | -6.1% | ||
| Q1 24 | 21.9% | -2.6% |
每股收益（稀释后）PBFSSWAG
| Q4 25 | $0.16 | $0.02 | ||
| Q3 25 | $0.18 | $-0.07 | ||
| Q2 25 | $0.26 | $0.03 | ||
| Q1 25 | $0.23 | $-0.02 | ||
| Q4 24 | — | $-0.02 | ||
| Q3 24 | $0.25 | $-0.11 | ||
| Q2 24 | $0.15 | $-0.06 | ||
| Q1 24 | $0.19 | $-0.03 |
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 | — | $11.6M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $323.9M | $30.5M |
| 总资产 | $2.2B | $49.3M |
| 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PBFSSWAG
| Q4 25 | — | $11.6M | ||
| Q3 25 | — | $11.8M | ||
| Q2 25 | — | $18.1M | ||
| Q1 25 | — | $12.2M | ||
| Q4 24 | — | $18.2M | ||
| Q3 24 | — | $6.9M | ||
| Q2 24 | — | $9.6M | ||
| Q1 24 | — | $10.7M |
股东权益PBFSSWAG
| Q4 25 | $323.9M | $30.5M | ||
| Q3 25 | $314.2M | $30.2M | ||
| Q2 25 | $314.2M | $31.8M | ||
| Q1 25 | $310.7M | $31.3M | ||
| Q4 24 | — | $31.6M | ||
| Q3 24 | $303.8M | $32.3M | ||
| Q2 24 | $296.5M | $34.3M | ||
| Q1 24 | $289.0M | $35.2M |
总资产PBFSSWAG
| Q4 25 | $2.2B | $49.3M | ||
| Q3 25 | $2.2B | $50.3M | ||
| Q2 25 | $2.1B | $61.2M | ||
| Q1 25 | $2.1B | $52.2M | ||
| Q4 24 | — | $55.1M | ||
| Q3 24 | $2.0B | $48.8M | ||
| Q2 24 | — | $46.6M | ||
| Q1 24 | $2.0B | $47.9M |
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 | $161.0K |
| 自由现金流经营现金流 - 资本支出 | — | $38.0K |
| 自由现金流率自由现金流/营收 | — | 0.1% |
| 资本支出强度资本支出/营收 | — | 0.4% |
| 现金转化率经营现金流/净利润 | 2.97× | 0.66× |
| 过去12个月自由现金流最近4个季度 | — | $-5.5M |
8季度趋势，按日历期对齐
经营现金流PBFSSWAG
| Q4 25 | $11.1M | $161.0K | ||
| Q3 25 | $3.9M | $-5.4M | ||
| Q2 25 | $5.1M | $6.4M | ||
| Q1 25 | $-3.5M | $-5.9M | ||
| Q4 24 | — | $1.3M | ||
| Q3 24 | $1.9M | $-2.7M | ||
| Q2 24 | $9.0M | $2.1M | ||
| Q1 24 | $3.3M | $2.1M |
自由现金流PBFSSWAG
| Q4 25 | — | $38.0K | ||
| Q3 25 | — | $-5.9M | ||
| Q2 25 | — | $6.3M | ||
| Q1 25 | — | $-6.0M | ||
| Q4 24 | — | $1.2M | ||
| Q3 24 | — | $-2.9M | ||
| Q2 24 | — | $1.9M | ||
| Q1 24 | — | $1.9M |
自由现金流率PBFSSWAG
| Q4 25 | — | 0.1% | ||
| Q3 25 | — | -22.6% | ||
| Q2 25 | — | 19.5% | ||
| Q1 25 | — | -21.0% | ||
| Q4 24 | — | 4.6% | ||
| Q3 24 | — | -14.3% | ||
| Q2 24 | — | 11.6% | ||
| Q1 24 | — | 9.9% |
资本支出强度PBFSSWAG
| Q4 25 | — | 0.4% | ||
| Q3 25 | — | 1.9% | ||
| Q2 25 | — | 0.2% | ||
| Q1 25 | — | 0.4% | ||
| Q4 24 | — | 0.3% | ||
| Q3 24 | — | 0.7% | ||
| Q2 24 | — | 1.1% | ||
| Q1 24 | — | 1.0% |
现金转化率PBFSSWAG
| Q4 25 | 2.97× | 0.66× | ||
| Q3 25 | 0.90× | — | ||
| Q2 25 | 0.78× | 9.99× | ||
| 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
业务分部营收拆解
PBFS
暂无分部数据
SWAG
| Promotional Products Dropshipping | $11.2M | 39% |
| Casino Continuity Program | $6.9M | 24% |
| Promotional Products Company Owned Inventory | $4.6M | 16% |
| Promotional Products Bulk Dropshipping | $3.8M | 13% |
| Promotional Products Thirdparty Distributor | $1.8M | 6% |
| Other | $610.0K | 2% |
