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Pioneer Bancorp, Inc.（PBFS）与Upland Software, Inc.（UPLD）财务数据对比。点击上方公司名可切换其他公司
Upland Software, Inc.的季度营收约是Pioneer Bancorp, Inc.的2.0倍（$49.3M vs $25.0M），过去两年Pioneer Bancorp, Inc.的营收复合增速更高（144.9% vs -16.5%）
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。
Upland Software是全球云原生企业工作管理解决方案提供商，旗下产品覆盖项目组合管理、客户互动、IT服务管理、财务流程自动化等领域，服务北美、欧洲、亚太各行业不同规模的企业客户。
PBFS vs UPLD — 直观对比
营收规模更大
UPLD
是对方的2.0倍
$25.0M
两年增速更快
PBFS
近两年复合增速
-16.5%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $25.0M | $49.3M |
| 净利润 | $3.7M | — |
| 毛利率 | — | 76.5% |
| 营业利润率 | 21.3% | 14.5% |
| 净利率 | 82.1% | — |
| 营收同比 | — | -27.5% |
| 净利润同比 | — | — |
| 每股收益（稀释后） | $0.16 | $0.01 |
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PBFSUPLD
| Q4 25 | $25.0M | $49.3M | ||
| Q3 25 | $24.0M | $50.5M | ||
| Q2 25 | $24.4M | $53.4M | ||
| Q1 25 | $22.8M | $63.7M | ||
| Q4 24 | — | $68.0M | ||
| Q3 24 | $22.0M | $66.7M | ||
| Q2 24 | $20.9M | $69.3M | ||
| Q1 24 | $21.6M | $70.7M |
净利润PBFSUPLD
| Q4 25 | $3.7M | — | ||
| Q3 25 | $4.3M | $-1.1M | ||
| Q2 25 | $6.5M | $-13.0M | ||
| Q1 25 | $5.8M | $-25.8M | ||
| Q4 24 | — | — | ||
| Q3 24 | $6.3M | $-1.7M | ||
| Q2 24 | $3.9M | $-11.4M | ||
| Q1 24 | $4.7M | $-96.1M |
毛利率PBFSUPLD
| Q4 25 | — | 76.5% | ||
| Q3 25 | — | 76.9% | ||
| Q2 25 | — | 74.8% | ||
| Q1 25 | — | 71.6% | ||
| Q4 24 | — | 70.8% | ||
| Q3 24 | — | 70.5% | ||
| Q2 24 | — | 70.5% | ||
| Q1 24 | — | 70.2% |
营业利润率PBFSUPLD
| Q4 25 | 21.3% | 14.5% | ||
| Q3 25 | 23.4% | 10.6% | ||
| Q2 25 | 33.3% | -13.2% | ||
| Q1 25 | 32.5% | -1.7% | ||
| Q4 24 | — | -2.9% | ||
| Q3 24 | 37.2% | -5.0% | ||
| Q2 24 | 24.1% | -7.7% | ||
| Q1 24 | 28.1% | -129.6% |
净利率PBFSUPLD
| Q4 25 | 82.1% | — | ||
| Q3 25 | 18.0% | -2.2% | ||
| Q2 25 | 26.4% | -24.4% | ||
| Q1 25 | 25.3% | -40.6% | ||
| Q4 24 | — | — | ||
| Q3 24 | 28.7% | -2.6% | ||
| Q2 24 | 107.4% | -16.5% | ||
| Q1 24 | 21.9% | -135.9% |
每股收益（稀释后）PBFSUPLD
| Q4 25 | $0.16 | $0.01 | ||
| Q3 25 | $0.18 | $-0.09 | ||
| Q2 25 | $0.26 | $-0.51 | ||
| Q1 25 | $0.23 | $-0.97 | ||
| Q4 24 | — | $-0.30 | ||
| Q3 24 | $0.25 | $-0.12 | ||
| Q2 24 | $0.15 | $-0.47 | ||
| Q1 24 | $0.19 | $-3.37 |
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 | — | $29.4M |
| 总债务越低越好 | — | $232.4M |
| 股东权益账面价值 | $323.9M | $-48.4M |
| 总资产 | $2.2B | $413.2M |
| 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PBFSUPLD
| Q4 25 | — | $29.4M | ||
| Q3 25 | — | $22.8M | ||
| Q2 25 | — | $41.0M | ||
| Q1 25 | — | $33.7M | ||
| Q4 24 | — | $56.4M | ||
| Q3 24 | — | $59.7M | ||
| Q2 24 | — | $232.4M | ||
| Q1 24 | — | $231.6M |
总债务PBFSUPLD
| Q4 25 | — | $232.4M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $290.2M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益PBFSUPLD
| Q4 25 | $323.9M | $-48.4M | ||
| Q3 25 | $314.2M | $-47.3M | ||
| Q2 25 | $314.2M | $-42.4M | ||
| Q1 25 | $310.7M | $-37.8M | ||
| Q4 24 | — | $-18.3M | ||
| Q3 24 | $303.8M | $907.0K | ||
| Q2 24 | $296.5M | $6.5M | ||
| Q1 24 | $289.0M | $20.1M |
总资产PBFSUPLD
| Q4 25 | $2.2B | $413.2M | ||
| Q3 25 | $2.2B | $409.1M | ||
| Q2 25 | $2.1B | $441.7M | ||
| Q1 25 | $2.1B | $457.0M | ||
| Q4 24 | — | $529.5M | ||
| Q3 24 | $2.0B | $554.9M | ||
| Q2 24 | — | $739.9M | ||
| Q1 24 | $2.0B | $754.9M |
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 | $7.3M |
| 自由现金流经营现金流 - 资本支出 | — | $7.2M |
| 自由现金流率自由现金流/营收 | — | 14.7% |
| 资本支出强度资本支出/营收 | — | 0.2% |
| 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 | — | $24.4M |
8季度趋势，按日历期对齐
经营现金流PBFSUPLD
| Q4 25 | $11.1M | $7.3M | ||
| Q3 25 | $3.9M | $6.9M | ||
| Q2 25 | $5.1M | $3.3M | ||
| Q1 25 | $-3.5M | $8.3M | ||
| Q4 24 | — | $9.3M | ||
| Q3 24 | $1.9M | $4.3M | ||
| Q2 24 | $9.0M | $5.5M | ||
| Q1 24 | $3.3M | $5.1M |
自由现金流PBFSUPLD
| Q4 25 | — | $7.2M | ||
| Q3 25 | — | $6.7M | ||
| Q2 25 | — | $2.7M | ||
| Q1 25 | — | $7.9M | ||
| Q4 24 | — | $9.0M | ||
| Q3 24 | — | $4.2M | ||
| Q2 24 | — | $5.2M | ||
| Q1 24 | — | $4.9M |
自由现金流率PBFSUPLD
| Q4 25 | — | 14.7% | ||
| Q3 25 | — | 13.2% | ||
| Q2 25 | — | 5.0% | ||
| Q1 25 | — | 12.4% | ||
| Q4 24 | — | 13.3% | ||
| Q3 24 | — | 6.3% | ||
| Q2 24 | — | 7.5% | ||
| Q1 24 | — | 7.0% |
资本支出强度PBFSUPLD
| Q4 25 | — | 0.2% | ||
| Q3 25 | — | 0.4% | ||
| Q2 25 | — | 1.2% | ||
| Q1 25 | — | 0.7% | ||
| Q4 24 | — | 0.5% | ||
| Q3 24 | — | 0.2% | ||
| Q2 24 | — | 0.4% | ||
| Q1 24 | — | 0.3% |
现金转化率PBFSUPLD
| 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
