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Pathfinder Bancorp, Inc.（PBHC）与RETRACTABLE TECHNOLOGIES INC（RVP）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RETRACTABLE TECHNOLOGIES INC的1.3倍（$11.8M vs $9.4M），RETRACTABLE TECHNOLOGIES INC净利率更高（-24.9% vs -52.9%，领先28.1%），RETRACTABLE TECHNOLOGIES INC同比增速更快（4.0% vs -22.6%），过去两年RETRACTABLE TECHNOLOGIES INC的营收复合增速更高（11.5% vs 3.0%）
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。
Retractable Technologies Inc是一家专业医疗设备制造商，主打可回缩注射器、安全针头、静脉导管等一次性安全医疗产品，客户覆盖医疗机构、制药企业及公共卫生部门，产品可有效降低医护人员与患者的针刺伤害风险。
PBHC vs RVP — 直观对比
营收规模更大
PBHC
是对方的1.3倍
$9.4M
营收增速更快
RVP
高出26.7%
-22.6%
净利率更高
RVP
高出28.1%
-52.9%
两年增速更快
RVP
近两年复合增速
3.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $11.8M | $9.4M |
| 净利润 | $-5.6M | $-2.3M |
| 毛利率 | — | -16.2% |
| 营业利润率 | -81.1% | -81.7% |
| 净利率 | -52.9% | -24.9% |
| 营收同比 | -22.6% | 4.0% |
| 净利润同比 | -242.4% | -162.3% |
| 每股收益（稀释后） | — | $-0.09 |
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PBHCRVP
| Q4 25 | $11.8M | $9.4M | ||
| Q3 25 | $13.1M | $10.1M | ||
| Q2 25 | $9.3M | $10.4M | ||
| Q1 25 | $12.6M | $8.3M | ||
| Q4 24 | $15.3M | $9.1M | ||
| Q3 24 | $13.4M | $10.3M | ||
| Q2 24 | $10.7M | $6.0M | ||
| Q1 24 | $11.1M | $7.6M |
净利润PBHCRVP
| Q4 25 | $-5.6M | $-2.3M | ||
| Q3 25 | $626.0K | $371.0K | ||
| Q2 25 | $31.0K | $-87.5K | ||
| Q1 25 | $3.0M | $-10.5M | ||
| Q4 24 | $3.9M | $3.8M | ||
| Q3 24 | $-4.6M | $-1.9M | ||
| Q2 24 | $2.0M | $-14.2M | ||
| Q1 24 | $2.1M | $429.4K |
毛利率PBHCRVP
| Q4 25 | — | -16.2% | ||
| Q3 25 | — | 16.7% | ||
| Q2 25 | — | -1.0% | ||
| Q1 25 | — | -0.0% | ||
| Q4 24 | — | -27.5% | ||
| Q3 24 | — | -0.1% | ||
| Q2 24 | — | -7.0% | ||
| Q1 24 | — | 25.0% |
营业利润率PBHCRVP
| Q4 25 | -81.1% | -81.7% | ||
| Q3 25 | 5.1% | -36.2% | ||
| Q2 25 | 0.4% | -49.1% | ||
| Q1 25 | 29.5% | -56.4% | ||
| Q4 24 | 55.4% | -79.6% | ||
| Q3 24 | -43.1% | -49.6% | ||
| Q2 24 | 23.3% | -95.6% | ||
| Q1 24 | 24.3% | -39.3% |
净利率PBHCRVP
| Q4 25 | -52.9% | -24.9% | ||
| Q3 25 | 4.8% | 3.7% | ||
| Q2 25 | 0.3% | -0.8% | ||
| Q1 25 | 23.6% | -126.6% | ||
| Q4 24 | 37.7% | 41.6% | ||
| Q3 24 | -34.6% | -18.6% | ||
| Q2 24 | 18.7% | -234.9% | ||
| Q1 24 | 19.0% | 5.7% |
每股收益（稀释后）PBHCRVP
| Q4 25 | — | $-0.09 | ||
| Q3 25 | $0.47 | $0.01 | ||
| Q2 25 | $0.47 | $0.00 | ||
| Q1 25 | — | $-0.35 | ||
| Q4 24 | — | $0.14 | ||
| Q3 24 | $0.41 | $-0.07 | ||
| Q2 24 | $0.41 | $-0.48 | ||
| Q1 24 | — | $0.01 |
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 | — | $2.6M |
| 总债务越低越好 | $14.1M | $895.6K |
| 股东权益账面价值 | $122.5M | $74.4M |
| 总资产 | $1.4B | $142.6M |
| 负债/权益比越低杠杆越低 | 0.11× | 0.01× |
8季度趋势，按日历期对齐
现金及短期投资PBHCRVP
| Q4 25 | — | $2.6M | ||
| Q3 25 | — | $3.4M | ||
| Q2 25 | — | $3.0M | ||
| Q1 25 | — | $3.4M | ||
| Q4 24 | — | $4.2M | ||
| Q3 24 | — | $3.9M | ||
| Q2 24 | — | $6.9M | ||
| Q1 24 | — | $10.0M |
总债务PBHCRVP
| Q4 25 | $14.1M | $895.6K | ||
| Q3 25 | $18.7M | — | ||
| Q2 25 | $21.0M | — | ||
| Q1 25 | $17.6M | — | ||
| Q4 24 | $27.1M | $1.2M | ||
| Q3 24 | $39.8M | — | ||
| Q2 24 | $45.9M | — | ||
| Q1 24 | $45.9M | — |
股东权益PBHCRVP
| Q4 25 | $122.5M | $74.4M | ||
| Q3 25 | $126.3M | $76.8M | ||
| Q2 25 | $124.4M | $76.5M | ||
| Q1 25 | $124.9M | $76.6M | ||
| Q4 24 | $121.5M | $87.2M | ||
| Q3 24 | $120.2M | $83.5M | ||
| Q2 24 | $123.3M | $85.4M | ||
| Q1 24 | $121.8M | $99.7M |
总资产PBHCRVP
| Q4 25 | $1.4B | $142.6M | ||
| Q3 25 | $1.5B | $146.4M | ||
| Q2 25 | $1.5B | $147.1M | ||
| Q1 25 | $1.5B | $149.3M | ||
| Q4 24 | $1.5B | $160.7M | ||
| Q3 24 | $1.5B | $157.8M | ||
| Q2 24 | $1.4B | $160.7M | ||
| Q1 24 | $1.5B | $176.0M |
负债/权益比PBHCRVP
| Q4 25 | 0.11× | 0.01× | ||
| Q3 25 | 0.15× | — | ||
| Q2 25 | 0.17× | — | ||
| Q1 25 | 0.14× | — | ||
| Q4 24 | 0.22× | 0.01× | ||
| 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 | $-596.5K |
| 自由现金流经营现金流 - 资本支出 | $10.4M | — |
| 自由现金流率自由现金流/营收 | 88.1% | — |
| 资本支出强度资本支出/营收 | 10.7% | — |
| 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
经营现金流PBHCRVP
| Q4 25 | $11.7M | $-596.5K | ||
| Q3 25 | $7.0M | $-1.3M | ||
| Q2 25 | $-3.7M | $-3.7M | ||
| Q1 25 | $5.7M | $-1.5M | ||
| Q4 24 | $11.2M | $-1.1M | ||
| Q3 24 | $11.8M | $-5.7M | ||
| Q2 24 | $1.5M | $-2.7M | ||
| Q1 24 | $504.0K | $-2.0M |
自由现金流PBHCRVP
| Q4 25 | $10.4M | — | ||
| Q3 25 | $6.9M | $-1.3M | ||
| Q2 25 | $-4.0M | $-4.1M | ||
| Q1 25 | $5.1M | $-1.6M | ||
| Q4 24 | $9.1M | $-1.4M | ||
| Q3 24 | $11.3M | $-6.5M | ||
| Q2 24 | $637.0K | $-2.8M | ||
| Q1 24 | $274.0K | $-2.2M |
自由现金流率PBHCRVP
| Q4 25 | 88.1% | — | ||
| Q3 25 | 52.8% | -13.4% | ||
| Q2 25 | -42.6% | -38.9% | ||
| Q1 25 | 40.1% | -18.8% | ||
| Q4 24 | 59.9% | -15.5% | ||
| Q3 24 | 84.3% | -63.0% | ||
| Q2 24 | 6.0% | -46.8% | ||
| Q1 24 | 2.5% | -29.6% |
资本支出强度PBHCRVP
| Q4 25 | 10.7% | — | ||
| Q3 25 | 1.0% | 0.9% | ||
| Q2 25 | 2.4% | 3.2% | ||
| Q1 25 | 5.1% | 1.0% | ||
| Q4 24 | 13.5% | 3.3% | ||
| Q3 24 | 3.8% | 7.7% | ||
| Q2 24 | 8.2% | 2.0% | ||
| Q1 24 | 2.1% | 3.0% |
现金转化率PBHCRVP
| Q4 25 | — | — | ||
| Q3 25 | 11.26× | -3.39× | ||
| Q2 25 | -120.55× | — | ||
| Q1 25 | 1.92× | — | ||
| Q4 24 | 2.87× | -0.29× | ||
| Q3 24 | — | — | ||
| Q2 24 | 0.76× | — | ||
| Q1 24 | 0.24× | -4.71× |
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% |
RVP
暂无分部数据
