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Pioneer Bancorp, Inc.（PBFS）与Valens Semiconductor Ltd.（VLN）财务数据对比。点击上方公司名可切换其他公司
Pioneer Bancorp, Inc.的季度营收约是Valens Semiconductor Ltd.的1.4倍（$25.0M vs $17.3M），Pioneer Bancorp, Inc.净利率更高（82.1% vs -42.2%，领先124.3%）
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。
瓦伦斯半导体是一家总部位于以色列的无晶圆厂半导体企业，核心产品面向汽车与音视频行业，主打未压缩超高清多媒体内容传输及车内连接应用场景。作为MIPI联盟成员，该公司率先推出了符合MIPI A-PHY标准的商用芯片组，同时也是HDBaseT技术的发明者。
PBFS vs VLN — 直观对比
营收规模更大
PBFS
是对方的1.4倍
$17.3M
净利率更高
PBFS
高出124.3%
-42.2%
损益表 — Q4 FY2025 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $25.0M | $17.3M |
| 净利润 | $3.7M | $-7.3M |
| 毛利率 | — | 63.0% |
| 营业利润率 | 21.3% | -46.4% |
| 净利率 | 82.1% | -42.2% |
| 营收同比 | — | 8.1% |
| 净利润同比 | — | 29.3% |
| 每股收益（稀释后） | $0.16 | $-0.07 |
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PBFSVLN
| Q4 25 | $25.0M | — | ||
| Q3 25 | $24.0M | $17.3M | ||
| Q2 25 | $24.4M | $17.1M | ||
| Q1 25 | $22.8M | $16.8M | ||
| Q3 24 | $22.0M | $16.0M | ||
| Q2 24 | $20.9M | $13.6M | ||
| Q1 24 | $21.6M | — | ||
| Q4 23 | $4.2M | — |
净利润PBFSVLN
| Q4 25 | $3.7M | — | ||
| Q3 25 | $4.3M | $-7.3M | ||
| Q2 25 | $6.5M | $-7.2M | ||
| Q1 25 | $5.8M | $-8.3M | ||
| Q3 24 | $6.3M | $-10.4M | ||
| Q2 24 | $3.9M | $-8.9M | ||
| Q1 24 | $4.7M | — | ||
| Q4 23 | $3.2M | — |
毛利率PBFSVLN
| Q4 25 | — | — | ||
| Q3 25 | — | 63.0% | ||
| Q2 25 | — | 63.5% | ||
| Q1 25 | — | 62.9% | ||
| Q3 24 | — | 56.4% | ||
| Q2 24 | — | 61.4% | ||
| Q1 24 | — | — | ||
| Q4 23 | — | — |
营业利润率PBFSVLN
| Q4 25 | 21.3% | — | ||
| Q3 25 | 23.4% | -46.4% | ||
| Q2 25 | 33.3% | -43.3% | ||
| Q1 25 | 32.5% | -56.2% | ||
| Q3 24 | 37.2% | -76.3% | ||
| Q2 24 | 24.1% | -69.2% | ||
| Q1 24 | 28.1% | — | ||
| Q4 23 | 96.1% | — |
净利率PBFSVLN
| Q4 25 | 82.1% | — | ||
| Q3 25 | 18.0% | -42.2% | ||
| Q2 25 | 26.4% | -42.1% | ||
| Q1 25 | 25.3% | -49.4% | ||
| Q3 24 | 28.7% | -64.6% | ||
| Q2 24 | 107.4% | -65.2% | ||
| Q1 24 | 21.9% | — | ||
| Q4 23 | 76.4% | — |
每股收益（稀释后）PBFSVLN
| Q4 25 | $0.16 | — | ||
| Q3 25 | $0.18 | $-0.07 | ||
| Q2 25 | $0.26 | $-0.07 | ||
| Q1 25 | $0.23 | $-0.08 | ||
| Q3 24 | $0.25 | $-0.10 | ||
| Q2 24 | $0.15 | $-0.08 | ||
| Q1 24 | $0.19 | — | ||
| Q4 23 | $0.13 | — |
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 | — | $93.5M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $323.9M | $108.8M |
| 总资产 | $2.2B | $136.7M |
| 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PBFSVLN
| Q4 25 | — | — | ||
| Q3 25 | — | $93.5M | ||
| Q2 25 | — | $102.7M | ||
| Q1 25 | — | $112.5M | ||
| Q3 24 | — | $133.1M | ||
| Q2 24 | — | $105.9M | ||
| Q1 24 | — | — | ||
| Q4 23 | — | — |
股东权益PBFSVLN
| Q4 25 | $323.9M | — | ||
| Q3 25 | $314.2M | $108.8M | ||
| Q2 25 | $314.2M | $116.5M | ||
| Q1 25 | $310.7M | $128.6M | ||
| Q3 24 | $303.8M | $147.0M | ||
| Q2 24 | $296.5M | $153.5M | ||
| Q1 24 | $289.0M | — | ||
| Q4 23 | $283.8M | — |
总资产PBFSVLN
| Q4 25 | $2.2B | — | ||
| Q3 25 | $2.2B | $136.7M | ||
| Q2 25 | $2.1B | $144.8M | ||
| Q1 25 | $2.1B | $154.6M | ||
| Q3 24 | $2.0B | $171.9M | ||
| Q2 24 | — | $175.8M | ||
| Q1 24 | $2.0B | — | ||
| Q4 23 | $1.9B | — |
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 | $-4.7M |
| 自由现金流经营现金流 - 资本支出 | — | $-4.9M |
| 自由现金流率自由现金流/营收 | — | -28.5% |
| 资本支出强度资本支出/营收 | — | 1.6% |
| 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 | — | $-11.0M |
8季度趋势，按日历期对齐
经营现金流PBFSVLN
| Q4 25 | $11.1M | — | ||
| Q3 25 | $3.9M | $-4.7M | ||
| Q2 25 | $5.1M | $-211.0K | ||
| Q1 25 | $-3.5M | $-7.6M | ||
| Q3 24 | $1.9M | $3.0M | ||
| Q2 24 | $9.0M | $-225.0K | ||
| Q1 24 | $3.3M | — | ||
| Q4 23 | $-943.0K | — |
自由现金流PBFSVLN
| Q4 25 | — | — | ||
| Q3 25 | — | $-4.9M | ||
| Q2 25 | — | $-330.0K | ||
| Q1 25 | — | $-8.0M | ||
| Q3 24 | — | $2.2M | ||
| Q2 24 | — | $-460.0K | ||
| Q1 24 | — | — | ||
| Q4 23 | — | — |
自由现金流率PBFSVLN
| Q4 25 | — | — | ||
| Q3 25 | — | -28.5% | ||
| Q2 25 | — | -1.9% | ||
| Q1 25 | — | -47.3% | ||
| Q3 24 | — | 14.0% | ||
| Q2 24 | — | -3.4% | ||
| Q1 24 | — | — | ||
| Q4 23 | — | — |
资本支出强度PBFSVLN
| Q4 25 | — | — | ||
| Q3 25 | — | 1.6% | ||
| Q2 25 | — | 0.7% | ||
| Q1 25 | — | 2.1% | ||
| Q3 24 | — | 4.5% | ||
| Q2 24 | — | 1.7% | ||
| Q1 24 | — | — | ||
| Q4 23 | — | — |
现金转化率PBFSVLN
| Q4 25 | 2.97× | — | ||
| Q3 25 | 0.90× | — | ||
| Q2 25 | 0.78× | — | ||
| Q1 25 | -0.61× | — | ||
| Q3 24 | 0.30× | — | ||
| Q2 24 | 2.30× | — | ||
| Q1 24 | 0.70× | — | ||
| Q4 23 | -0.30× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
