vs
Pioneer Bancorp, Inc.（PBFS）与WIDEPOINT CORP（WYY）财务数据对比。点击上方公司名可切换其他公司
WIDEPOINT CORP的季度营收约是Pioneer Bancorp, Inc.的1.7倍（$42.3M vs $25.0M），Pioneer Bancorp, Inc.净利率更高（82.1% vs -2.0%，领先84.1%），过去两年Pioneer Bancorp, Inc.的营收复合增速更高（144.9% vs 11.2%）
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。
WidePoint是一家总部位于美国弗吉尼亚州费尔法克斯的企业，主要面向美国政府部门与商业市场提供技术型产品及服务。该公司拥有数字解析工具专利，可借助公钥基础设施（PKI）框架下的非对称认证搭建安全存储网关，供用户访问账户，业务还涵盖智能卡身份验证、无线费用管理等领域。
PBFS vs WYY — 直观对比
营收规模更大
WYY
是对方的1.7倍
$25.0M
净利率更高
PBFS
高出84.1%
-2.0%
两年增速更快
PBFS
近两年复合增速
11.2%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $25.0M | $42.3M |
| 净利润 | $3.7M | $-849.4K |
| 毛利率 | — | 13.8% |
| 营业利润率 | 21.3% | -1.9% |
| 净利率 | 82.1% | -2.0% |
| 营收同比 | — | 12.3% |
| 净利润同比 | — | -138.3% |
| 每股收益（稀释后） | $0.16 | $-0.08 |
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PBFSWYY
| Q4 25 | $25.0M | $42.3M | ||
| Q3 25 | $24.0M | $36.1M | ||
| Q2 25 | $24.4M | $37.9M | ||
| Q1 25 | $22.8M | $34.2M | ||
| Q4 24 | — | $37.7M | ||
| Q3 24 | $22.0M | $34.6M | ||
| Q2 24 | $20.9M | $36.0M | ||
| Q1 24 | $21.6M | $34.2M |
净利润PBFSWYY
| Q4 25 | $3.7M | $-849.4K | ||
| Q3 25 | $4.3M | $-559.2K | ||
| Q2 25 | $6.5M | $-618.5K | ||
| Q1 25 | $5.8M | $-724.1K | ||
| Q4 24 | — | $-356.4K | ||
| Q3 24 | $6.3M | $-425.2K | ||
| Q2 24 | $3.9M | $-499.6K | ||
| Q1 24 | $4.7M | $-653.1K |
毛利率PBFSWYY
| Q4 25 | — | 13.8% | ||
| Q3 25 | — | 14.6% | ||
| Q2 25 | — | 13.5% | ||
| Q1 25 | — | 14.0% | ||
| Q4 24 | — | 12.6% | ||
| Q3 24 | — | 13.6% | ||
| Q2 24 | — | 13.6% | ||
| Q1 24 | — | 13.6% |
营业利润率PBFSWYY
| Q4 25 | 21.3% | -1.9% | ||
| Q3 25 | 23.4% | -1.3% | ||
| Q2 25 | 33.3% | -1.9% | ||
| Q1 25 | 32.5% | -2.4% | ||
| Q4 24 | — | -0.8% | ||
| Q3 24 | 37.2% | -1.3% | ||
| Q2 24 | 24.1% | -1.3% | ||
| Q1 24 | 28.1% | -1.9% |
净利率PBFSWYY
| Q4 25 | 82.1% | -2.0% | ||
| Q3 25 | 18.0% | -1.5% | ||
| Q2 25 | 26.4% | -1.6% | ||
| Q1 25 | 25.3% | -2.1% | ||
| Q4 24 | — | -0.9% | ||
| Q3 24 | 28.7% | -1.2% | ||
| Q2 24 | 107.4% | -1.4% | ||
| Q1 24 | 21.9% | -1.9% |
每股收益（稀释后）PBFSWYY
| Q4 25 | $0.16 | $-0.08 | ||
| Q3 25 | $0.18 | $-0.06 | ||
| Q2 25 | $0.26 | $-0.06 | ||
| Q1 25 | $0.23 | $-0.08 | ||
| Q4 24 | — | $-0.05 | ||
| Q3 24 | $0.25 | $-0.04 | ||
| Q2 24 | $0.15 | $-0.05 | ||
| Q1 24 | $0.19 | $-0.07 |
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 | — | $9.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $323.9M | $11.5M |
| 总资产 | $2.2B | $79.8M |
| 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PBFSWYY
| Q4 25 | — | $9.8M | ||
| Q3 25 | — | $12.1M | ||
| Q2 25 | — | $6.8M | ||
| Q1 25 | — | $3.7M | ||
| Q4 24 | — | $6.8M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益PBFSWYY
| Q4 25 | $323.9M | $11.5M | ||
| Q3 25 | $314.2M | $12.2M | ||
| Q2 25 | $314.2M | $12.6M | ||
| Q1 25 | $310.7M | $13.0M | ||
| Q4 24 | — | $13.6M | ||
| Q3 24 | $303.8M | $13.8M | ||
| Q2 24 | $296.5M | $14.0M | ||
| Q1 24 | $289.0M | $14.2M |
总资产PBFSWYY
| Q4 25 | $2.2B | $79.8M | ||
| Q3 25 | $2.2B | $70.6M | ||
| Q2 25 | $2.1B | $76.6M | ||
| Q1 25 | $2.1B | $71.4M | ||
| Q4 24 | — | $71.6M | ||
| Q3 24 | $2.0B | $56.9M | ||
| Q2 24 | — | $58.6M | ||
| Q1 24 | $2.0B | $54.4M |
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 | $-173.5K |
| 自由现金流经营现金流 - 资本支出 | — | $-270.0K |
| 自由现金流率自由现金流/营收 | — | -0.6% |
| 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 | — | $5.5M |
8季度趋势，按日历期对齐
经营现金流PBFSWYY
| Q4 25 | $11.1M | $-173.5K | ||
| Q3 25 | $3.9M | $5.9M | ||
| Q2 25 | $5.1M | $3.2M | ||
| Q1 25 | $-3.5M | $-3.2M | ||
| Q4 24 | — | $2.4M | ||
| Q3 24 | $1.9M | $1.9M | ||
| Q2 24 | $9.0M | $-1.1M | ||
| Q1 24 | $3.3M | $-1.6M |
自由现金流PBFSWYY
| Q4 25 | — | $-270.0K | ||
| Q3 25 | — | $5.9M | ||
| Q2 25 | — | $3.1M | ||
| Q1 25 | — | $-3.3M | ||
| Q4 24 | — | $2.4M | ||
| Q3 24 | — | $1.8M | ||
| Q2 24 | — | $-1.1M | ||
| Q1 24 | — | $-1.6M |
自由现金流率PBFSWYY
| Q4 25 | — | -0.6% | ||
| Q3 25 | — | 16.4% | ||
| Q2 25 | — | 8.1% | ||
| Q1 25 | — | -9.5% | ||
| Q4 24 | — | 6.4% | ||
| Q3 24 | — | 5.3% | ||
| Q2 24 | — | -3.0% | ||
| Q1 24 | — | -4.6% |
资本支出强度PBFSWYY
| Q4 25 | — | 0.2% | ||
| Q3 25 | — | 0.1% | ||
| Q2 25 | — | 0.2% | ||
| Q1 25 | — | 0.1% | ||
| Q4 24 | — | 0.1% | ||
| Q3 24 | — | 0.2% | ||
| Q2 24 | — | 0.0% | ||
| Q1 24 | — | 0.0% |
现金转化率PBFSWYY
| 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
业务分部营收拆解
PBFS
暂无分部数据
WYY
| Carrier Services | $26.8M | 63% |
| Managed Services | $15.5M | 37% |
