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Pioneer Bancorp, Inc.（PBFS）与Winchester Bancorp, Inc.（WSBK）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Winchester Bancorp, Inc.的3.9倍（$25.0M vs $6.4M），Pioneer Bancorp, Inc.净利率更高（82.1% vs 16.7%，领先65.4%）
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。
温彻斯特银行控股公司（马里兰州）是一家区域性银行控股企业，主要在马里兰州运营社区银行网点，面向个人消费者和当地中小微企业客户提供存款账户、按揭贷款、小微企业贷款及财富管理等各类零售及商业银行服务。
PBFS vs WSBK — 直观对比
营收规模更大
PBFS
是对方的3.9倍
$6.4M
净利率更高
PBFS
高出65.4%
16.7%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $25.0M | $6.4M |
| 净利润 | $3.7M | $1.1M |
| 毛利率 | — | — |
| 营业利润率 | 21.3% | 20.9% |
| 净利率 | 82.1% | 16.7% |
| 营收同比 | — | 45.8% |
| 净利润同比 | — | 187.9% |
| 每股收益（稀释后） | $0.16 | $0.12 |
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PBFSWSBK
| Q4 25 | $25.0M | $6.4M | ||
| Q3 25 | $24.0M | $5.8M | ||
| Q2 25 | $24.4M | — | ||
| Q1 25 | $22.8M | $4.4M | ||
| Q4 24 | — | $4.4M | ||
| Q3 24 | $22.0M | — | ||
| Q2 24 | $20.9M | — | ||
| Q1 24 | $21.6M | — |
净利润PBFSWSBK
| Q4 25 | $3.7M | $1.1M | ||
| Q3 25 | $4.3M | $962.0K | ||
| Q2 25 | $6.5M | — | ||
| Q1 25 | $5.8M | $305.0K | ||
| Q4 24 | — | $373.0K | ||
| Q3 24 | $6.3M | — | ||
| Q2 24 | $3.9M | — | ||
| Q1 24 | $4.7M | — |
营业利润率PBFSWSBK
| Q4 25 | 21.3% | 20.9% | ||
| Q3 25 | 23.4% | 22.8% | ||
| Q2 25 | 33.3% | — | ||
| Q1 25 | 32.5% | 8.5% | ||
| Q4 24 | — | 9.4% | ||
| Q3 24 | 37.2% | — | ||
| Q2 24 | 24.1% | — | ||
| Q1 24 | 28.1% | — |
净利率PBFSWSBK
| Q4 25 | 82.1% | 16.7% | ||
| Q3 25 | 18.0% | 16.6% | ||
| Q2 25 | 26.4% | — | ||
| Q1 25 | 25.3% | 7.0% | ||
| Q4 24 | — | 8.4% | ||
| Q3 24 | 28.7% | — | ||
| Q2 24 | 107.4% | — | ||
| Q1 24 | 21.9% | — |
每股收益（稀释后）PBFSWSBK
| Q4 25 | $0.16 | $0.12 | ||
| Q3 25 | $0.18 | $0.11 | ||
| Q2 25 | $0.26 | — | ||
| Q1 25 | $0.23 | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $0.25 | — | ||
| Q2 24 | $0.15 | — | ||
| Q1 24 | $0.19 | — |
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 | — | $54.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $323.9M | $118.2M |
| 总资产 | $2.2B | $1.0B |
| 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PBFSWSBK
| Q4 25 | — | $54.8M | ||
| Q3 25 | — | $57.7M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $66.6M | ||
| Q4 24 | — | $41.5M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益PBFSWSBK
| Q4 25 | $323.9M | $118.2M | ||
| Q3 25 | $314.2M | $117.0M | ||
| Q2 25 | $314.2M | — | ||
| Q1 25 | $310.7M | $80.9M | ||
| Q4 24 | — | $80.3M | ||
| Q3 24 | $303.8M | — | ||
| Q2 24 | $296.5M | — | ||
| Q1 24 | $289.0M | — |
总资产PBFSWSBK
| Q4 25 | $2.2B | $1.0B | ||
| Q3 25 | $2.2B | $1.0B | ||
| Q2 25 | $2.1B | — | ||
| Q1 25 | $2.1B | $923.1M | ||
| Q4 24 | — | $894.1M | ||
| Q3 24 | $2.0B | — | ||
| Q2 24 | — | — | ||
| Q1 24 | $2.0B | — |
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 | $1.6M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | 2.97× | 1.44× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流PBFSWSBK
| Q4 25 | $11.1M | $1.6M | ||
| Q3 25 | $3.9M | $1.4M | ||
| Q2 25 | $5.1M | — | ||
| Q1 25 | $-3.5M | $848.0K | ||
| Q4 24 | — | — | ||
| Q3 24 | $1.9M | — | ||
| Q2 24 | $9.0M | — | ||
| Q1 24 | $3.3M | — |
现金转化率PBFSWSBK
| Q4 25 | 2.97× | 1.44× | ||
| Q3 25 | 0.90× | 1.41× | ||
| Q2 25 | 0.78× | — | ||
| Q1 25 | -0.61× | 2.78× | ||
| 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
