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Pathfinder Bancorp, Inc.（PBHC）与Rocky Mountain Chocolate Factory, Inc.（RMCF）财务数据对比。点击上方公司名可切换其他公司
Pathfinder Bancorp, Inc.的季度营收约是Rocky Mountain Chocolate Factory, Inc.的1.6倍（$11.8M vs $7.5M），Rocky Mountain Chocolate Factory, Inc.净利率更高（-2.1% vs -52.9%，领先50.9%），Rocky Mountain Chocolate Factory, Inc.同比增速更快（-4.4% vs -22.6%），Pathfinder Bancorp, Inc.自由现金流更多（$10.4M vs $-1.3M），过去两年Pathfinder Bancorp, Inc.的营收复合增速更高（3.0% vs 1.9%）
Pathfinder Bancorp, Inc.是美国区域性银行控股公司，旗下运营探路者银行，服务纽约州中部市场，为个人消费者及中小企业提供存款账户、住房抵押贷款、商业贷款、财富管理等各类金融服务。
落基山巧克力厂是美国知名巧克力企业，同时开展国际特许经营业务，集糖果生产与零售运营于一体，总部位于美国科罗拉多州杜兰戈，除美国本土门店外，在巴拿马、菲律宾也设有经营网点。
PBHC vs RMCF — 直观对比
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $11.8M | $7.5M |
| 净利润 | $-5.6M | $-155.0K |
| 毛利率 | — | 34.0% |
| 营业利润率 | -81.1% | 1.1% |
| 净利率 | -52.9% | -2.1% |
| 营收同比 | -22.6% | -4.4% |
| 净利润同比 | -242.4% | 81.7% |
| 每股收益（稀释后） | — | $-0.02 |
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
| Q4 25 | $11.8M | $7.5M | ||
| Q3 25 | $13.1M | $6.8M | ||
| Q2 25 | $9.3M | $6.4M | ||
| Q1 25 | $12.6M | $8.9M | ||
| Q4 24 | $15.3M | $7.9M | ||
| Q3 24 | $13.4M | $6.4M | ||
| Q2 24 | $10.7M | $6.4M | ||
| Q1 24 | $11.1M | $7.3M |
| Q4 25 | $-5.6M | $-155.0K | ||
| Q3 25 | $626.0K | $-662.0K | ||
| Q2 25 | $31.0K | $-324.0K | ||
| Q1 25 | $3.0M | $-2.9M | ||
| Q4 24 | $3.9M | $-847.0K | ||
| Q3 24 | $-4.6M | $-722.0K | ||
| Q2 24 | $2.0M | $-1.7M | ||
| Q1 24 | $2.1M | $-1.6M |
| Q4 25 | — | 34.0% | ||
| Q3 25 | — | 23.6% | ||
| Q2 25 | — | 31.1% | ||
| Q1 25 | — | 10.8% | ||
| Q4 24 | — | 23.4% | ||
| Q3 24 | — | 31.8% | ||
| Q2 24 | — | 12.8% | ||
| Q1 24 | — | 24.3% |
| Q4 25 | -81.1% | 1.1% | ||
| Q3 25 | 5.1% | -7.0% | ||
| Q2 25 | 0.4% | -2.3% | ||
| Q1 25 | 29.5% | -30.3% | ||
| Q4 24 | 55.4% | -8.9% | ||
| Q3 24 | -43.1% | -14.3% | ||
| Q2 24 | 23.3% | -25.4% | ||
| Q1 24 | 24.3% | -21.7% |
| Q4 25 | -52.9% | -2.1% | ||
| Q3 25 | 4.8% | -9.7% | ||
| Q2 25 | 0.3% | -5.1% | ||
| Q1 25 | 23.6% | -32.5% | ||
| Q4 24 | 37.7% | -10.7% | ||
| Q3 24 | -34.6% | -11.3% | ||
| Q2 24 | 18.7% | -25.9% | ||
| Q1 24 | 19.0% | -21.9% |
| Q4 25 | — | $-0.02 | ||
| Q3 25 | $0.47 | $-0.09 | ||
| Q2 25 | $0.47 | $-0.04 | ||
| Q1 25 | — | $-0.38 | ||
| Q4 24 | — | $-0.11 | ||
| Q3 24 | $0.41 | $-0.11 | ||
| Q2 24 | $0.41 | $-0.26 | ||
| Q1 24 | — | $-0.25 |
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 | — | $641.0K |
| 总债务越低越好 | $14.1M | — |
| 股东权益账面价值 | $122.5M | $6.0M |
| 总资产 | $1.4B | $20.7M |
| 负债/权益比越低杠杆越低 | 0.11× | — |
8季度趋势，按日历期对齐
| Q4 25 | — | $641.0K | ||
| Q3 25 | — | $2.0M | ||
| Q2 25 | — | $893.0K | ||
| Q1 25 | — | $720.0K | ||
| Q4 24 | — | $1.1M | ||
| Q3 24 | — | $973.0K | ||
| Q2 24 | — | $637.0K | ||
| Q1 24 | — | $2.1M |
| Q4 25 | $14.1M | — | ||
| Q3 25 | $18.7M | — | ||
| Q2 25 | $21.0M | — | ||
| Q1 25 | $17.6M | — | ||
| Q4 24 | $27.1M | — | ||
| Q3 24 | $39.8M | — | ||
| Q2 24 | $45.9M | — | ||
| Q1 24 | $45.9M | — |
| Q4 25 | $122.5M | $6.0M | ||
| Q3 25 | $126.3M | $6.1M | ||
| Q2 25 | $124.4M | $6.7M | ||
| Q1 25 | $124.9M | $7.0M | ||
| Q4 24 | $121.5M | $9.8M | ||
| Q3 24 | $120.2M | $10.5M | ||
| Q2 24 | $123.3M | $9.0M | ||
| Q1 24 | $121.8M | $10.6M |
| Q4 25 | $1.4B | $20.7M | ||
| Q3 25 | $1.5B | $22.3M | ||
| Q2 25 | $1.5B | $20.1M | ||
| Q1 25 | $1.5B | $21.2M | ||
| Q4 24 | $1.5B | $21.6M | ||
| Q3 24 | $1.5B | $21.1M | ||
| Q2 24 | $1.4B | $19.0M | ||
| Q1 24 | $1.5B | $20.6M |
| Q4 25 | 0.11× | — | ||
| Q3 25 | 0.15× | — | ||
| Q2 25 | 0.17× | — | ||
| Q1 25 | 0.14× | — | ||
| Q4 24 | 0.22× | — | ||
| Q3 24 | 0.33× | — | ||
| Q2 24 | 0.37× | — | ||
| Q1 24 | 0.38× | — |
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 | $11.7M | $-1.2M |
| 自由现金流经营现金流 - 资本支出 | $10.4M | $-1.3M |
| 自由现金流率自由现金流/营收 | 88.1% | -16.9% |
| 资本支出强度资本支出/营收 | 10.7% | 0.5% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | $18.4M | — |
8季度趋势，按日历期对齐
| Q4 25 | $11.7M | $-1.2M | ||
| Q3 25 | $7.0M | $-488.0K | ||
| Q2 25 | $-3.7M | $350.0K | ||
| Q1 25 | $5.7M | $1.2M | ||
| Q4 24 | $11.2M | $-2.1M | ||
| Q3 24 | $11.8M | $-3.5M | ||
| Q2 24 | $1.5M | $-2.2M | ||
| Q1 24 | $504.0K | $129.0K |
| Q4 25 | $10.4M | $-1.3M | ||
| Q3 25 | $6.9M | $-544.0K | ||
| Q2 25 | $-4.0M | $182.0K | ||
| Q1 25 | $5.1M | — | ||
| Q4 24 | $9.1M | — | ||
| Q3 24 | $11.3M | $-4.6M | ||
| Q2 24 | $637.0K | $-2.6M | ||
| Q1 24 | $274.0K | $-352.3K |
| Q4 25 | 88.1% | -16.9% | ||
| Q3 25 | 52.8% | -8.0% | ||
| Q2 25 | -42.6% | 2.9% | ||
| Q1 25 | 40.1% | — | ||
| Q4 24 | 59.9% | — | ||
| Q3 24 | 84.3% | -72.6% | ||
| Q2 24 | 6.0% | -40.2% | ||
| Q1 24 | 2.5% | -4.9% |
| Q4 25 | 10.7% | 0.5% | ||
| Q3 25 | 1.0% | 0.8% | ||
| Q2 25 | 2.4% | 2.6% | ||
| Q1 25 | 5.1% | — | ||
| Q4 24 | 13.5% | — | ||
| Q3 24 | 3.8% | 17.5% | ||
| Q2 24 | 8.2% | 6.5% | ||
| Q1 24 | 2.1% | 6.6% |
| Q4 25 | — | — | ||
| Q3 25 | 11.26× | — | ||
| Q2 25 | -120.55× | — | ||
| Q1 25 | 1.92× | — | ||
| Q4 24 | 2.87× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 0.76× | — | ||
| Q1 24 | 0.24× | — |
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
PBHC
| Other | $5.6M | 47% |
| Banking | $3.7M | 31% |
| Deposit Account | $1.5M | 13% |
| Financial Service Other | $1.0M | 9% |
RMCF
| Manufacturing | $5.9M | 78% |
| Transferred At Point In Time | $1.2M | 16% |
| Other | $414.0K | 5% |
