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Pioneer Bancorp, Inc.（PBFS）与WINMARK CORP（WINA）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WINMARK CORP的1.2倍（$25.0M vs $21.1M），Pioneer Bancorp, Inc.净利率更高（82.1% vs 47.2%，领先34.9%），过去两年Pioneer Bancorp, Inc.的营收复合增速更高（144.9% vs 2.4%）
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。
温马克公司是美国的二手商品零售特许经营商，总部位于明尼苏达州明尼阿波利斯，旗下运营五大零售品牌，专注于二手商品的收售业务。公司1988年由罗恩·奥尔森与杰弗里·达尔伯格创立，最初名为Play It Again Sports特许经营公司，1993年更名为Grow Biz国际并于同年上市。
PBFS vs WINA — 直观对比
营收规模更大
PBFS
是对方的1.2倍
$21.1M
净利率更高
PBFS
高出34.9%
47.2%
两年增速更快
PBFS
近两年复合增速
2.4%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $25.0M | $21.1M |
| 净利润 | $3.7M | $10.0M |
| 毛利率 | — | — |
| 营业利润率 | 21.3% | 61.7% |
| 净利率 | 82.1% | 47.2% |
| 营收同比 | — | 7.9% |
| 净利润同比 | — | 3.9% |
| 每股收益（稀释后） | $0.16 | $2.68 |
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PBFSWINA
| Q4 25 | $25.0M | $21.1M | ||
| Q3 25 | $24.0M | $22.6M | ||
| Q2 25 | $24.4M | $20.4M | ||
| Q1 25 | $22.8M | $21.9M | ||
| Q4 24 | — | $19.5M | ||
| Q3 24 | $22.0M | $21.5M | ||
| Q2 24 | $20.9M | $20.1M | ||
| Q1 24 | $21.6M | $20.1M |
净利润PBFSWINA
| Q4 25 | $3.7M | $10.0M | ||
| Q3 25 | $4.3M | $11.1M | ||
| Q2 25 | $6.5M | $10.6M | ||
| Q1 25 | $5.8M | $10.0M | ||
| Q4 24 | — | $9.6M | ||
| Q3 24 | $6.3M | $11.1M | ||
| Q2 24 | $3.9M | $10.4M | ||
| Q1 24 | $4.7M | $8.8M |
营业利润率PBFSWINA
| Q4 25 | 21.3% | 61.7% | ||
| Q3 25 | 23.4% | 65.9% | ||
| Q2 25 | 33.3% | 64.0% | ||
| Q1 25 | 32.5% | 62.0% | ||
| Q4 24 | — | 65.3% | ||
| Q3 24 | 37.2% | 69.4% | ||
| Q2 24 | 24.1% | 64.7% | ||
| Q1 24 | 28.1% | 60.8% |
净利率PBFSWINA
| Q4 25 | 82.1% | 47.2% | ||
| Q3 25 | 18.0% | 49.2% | ||
| Q2 25 | 26.4% | 51.9% | ||
| Q1 25 | 25.3% | 45.4% | ||
| Q4 24 | — | 49.0% | ||
| Q3 24 | 28.7% | 51.7% | ||
| Q2 24 | 107.4% | 51.8% | ||
| Q1 24 | 21.9% | 43.9% |
每股收益（稀释后）PBFSWINA
| Q4 25 | $0.16 | $2.68 | ||
| Q3 25 | $0.18 | $3.02 | ||
| Q2 25 | $0.26 | $2.89 | ||
| Q1 25 | $0.23 | $2.71 | ||
| Q4 24 | — | $2.60 | ||
| Q3 24 | $0.25 | $3.03 | ||
| Q2 24 | $0.15 | $2.85 | ||
| Q1 24 | $0.19 | $2.41 |
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 | — | $10.3M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $323.9M | $-53.7M |
| 总资产 | $2.2B | $24.9M |
| 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PBFSWINA
| Q4 25 | — | $10.3M | ||
| Q3 25 | — | $39.7M | ||
| Q2 25 | — | $28.8M | ||
| Q1 25 | — | $21.8M | ||
| Q4 24 | — | $12.2M | ||
| Q3 24 | — | $37.2M | ||
| Q2 24 | — | $29.4M | ||
| Q1 24 | — | $22.9M |
股东权益PBFSWINA
| Q4 25 | $323.9M | $-53.7M | ||
| Q3 25 | $314.2M | $-26.3M | ||
| Q2 25 | $314.2M | $-36.8M | ||
| Q1 25 | $310.7M | $-45.9M | ||
| Q4 24 | — | $-51.0M | ||
| Q3 24 | $303.8M | $-33.7M | ||
| Q2 24 | $296.5M | $-42.2M | ||
| Q1 24 | $289.0M | $-52.6M |
总资产PBFSWINA
| Q4 25 | $2.2B | $24.9M | ||
| Q3 25 | $2.2B | $53.7M | ||
| Q2 25 | $2.1B | $43.2M | ||
| Q1 25 | $2.1B | $37.1M | ||
| Q4 24 | — | $26.8M | ||
| Q3 24 | $2.0B | $52.0M | ||
| Q2 24 | — | $44.7M | ||
| Q1 24 | $2.0B | $38.3M |
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 | $8.5M |
| 自由现金流经营现金流 - 资本支出 | — | $8.5M |
| 自由现金流率自由现金流/营收 | — | 40.3% |
| 资本支出强度资本支出/营收 | — | 0.1% |
| 现金转化率经营现金流/净利润 | 2.97× | 0.86× |
| 过去12个月自由现金流最近4个季度 | — | $44.7M |
8季度趋势，按日历期对齐
经营现金流PBFSWINA
| Q4 25 | $11.1M | $8.5M | ||
| Q3 25 | $3.9M | $12.3M | ||
| Q2 25 | $5.1M | $9.0M | ||
| Q1 25 | $-3.5M | $15.1M | ||
| Q4 24 | — | $8.5M | ||
| Q3 24 | $1.9M | $12.1M | ||
| Q2 24 | $9.0M | $8.2M | ||
| Q1 24 | $3.3M | $13.4M |
自由现金流PBFSWINA
| Q4 25 | — | $8.5M | ||
| Q3 25 | — | $12.2M | ||
| Q2 25 | — | $9.0M | ||
| Q1 25 | — | $15.0M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $12.1M | ||
| Q2 24 | — | $8.1M | ||
| Q1 24 | — | $13.3M |
自由现金流率PBFSWINA
| Q4 25 | — | 40.3% | ||
| Q3 25 | — | 53.8% | ||
| Q2 25 | — | 44.0% | ||
| Q1 25 | — | 68.6% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 56.3% | ||
| Q2 24 | — | 40.4% | ||
| Q1 24 | — | 66.0% |
资本支出强度PBFSWINA
| Q4 25 | — | 0.1% | ||
| Q3 25 | — | 0.3% | ||
| Q2 25 | — | 0.3% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | — | 0.0% | ||
| Q3 24 | — | 0.0% | ||
| Q2 24 | — | 0.5% | ||
| Q1 24 | — | 0.4% |
现金转化率PBFSWINA
| Q4 25 | 2.97× | 0.86× | ||
| Q3 25 | 0.90× | 1.10× | ||
| Q2 25 | 0.78× | 0.85× | ||
| Q1 25 | -0.61× | 1.51× | ||
| Q4 24 | — | 0.88× | ||
| Q3 24 | 0.30× | 1.09× | ||
| Q2 24 | 2.30× | 0.79× | ||
| Q1 24 | 0.70× | 1.52× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
