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Pathfinder Bancorp, Inc.（PBHC）与TRANSACT TECHNOLOGIES INC（TACT）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TRANSACT TECHNOLOGIES INC的1.0倍（$11.8M vs $11.5M），TRANSACT TECHNOLOGIES INC同比增速更快（11.9% vs -22.6%），Pathfinder Bancorp, Inc.自由现金流更多（$10.4M vs $589.0K），过去两年TRANSACT TECHNOLOGIES INC的营收复合增速更高（3.5% 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。
该公司相关归属主体罗珀技术公司是一家控股集团，主要投资控股科技领域的各类企业，业务覆盖多个科技细分赛道，依托旗下子公司开展多元化科技业务布局。
PBHC vs TACT — 直观对比
营收规模更大
PBHC
是对方的1.0倍
$11.5M
营收增速更快
TACT
高出34.6%
-22.6%
自由现金流更多
PBHC
多$9.8M
$589.0K
两年增速更快
TACT
近两年复合增速
3.0%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $11.8M | $11.5M |
| 净利润 | $-5.6M | — |
| 毛利率 | — | 47.6% |
| 营业利润率 | -81.1% | -10.1% |
| 净利率 | -52.9% | — |
| 营收同比 | -22.6% | 11.9% |
| 净利润同比 | -242.4% | — |
| 每股收益（稀释后） | — | $-0.11 |
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PBHCTACT
| Q4 25 | $11.8M | $11.5M | ||
| Q3 25 | $13.1M | $13.2M | ||
| Q2 25 | $9.3M | $13.8M | ||
| Q1 25 | $12.6M | $13.1M | ||
| Q4 24 | $15.3M | $10.2M | ||
| Q3 24 | $13.4M | $10.9M | ||
| Q2 24 | $10.7M | $11.6M | ||
| Q1 24 | $11.1M | $10.7M |
净利润PBHCTACT
| Q4 25 | $-5.6M | — | ||
| Q3 25 | $626.0K | $15.0K | ||
| Q2 25 | $31.0K | $-143.0K | ||
| Q1 25 | $3.0M | $19.0K | ||
| Q4 24 | $3.9M | — | ||
| Q3 24 | $-4.6M | $-551.0K | ||
| Q2 24 | $2.0M | $-319.0K | ||
| Q1 24 | $2.1M | $-1.0M |
毛利率PBHCTACT
| Q4 25 | — | 47.6% | ||
| Q3 25 | — | 49.8% | ||
| Q2 25 | — | 48.2% | ||
| Q1 25 | — | 48.7% | ||
| Q4 24 | — | 44.2% | ||
| Q3 24 | — | 48.1% | ||
| Q2 24 | — | 52.7% | ||
| Q1 24 | — | 52.6% |
营业利润率PBHCTACT
| Q4 25 | -81.1% | -10.1% | ||
| Q3 25 | 5.1% | 0.1% | ||
| Q2 25 | 0.4% | -1.9% | ||
| Q1 25 | 29.5% | -0.1% | ||
| Q4 24 | 55.4% | -10.3% | ||
| Q3 24 | -43.1% | -7.7% | ||
| Q2 24 | 23.3% | -3.8% | ||
| Q1 24 | 24.3% | -12.2% |
净利率PBHCTACT
| Q4 25 | -52.9% | — | ||
| Q3 25 | 4.8% | 0.1% | ||
| Q2 25 | 0.3% | -1.0% | ||
| Q1 25 | 23.6% | 0.1% | ||
| Q4 24 | 37.7% | — | ||
| Q3 24 | -34.6% | -5.1% | ||
| Q2 24 | 18.7% | -2.8% | ||
| Q1 24 | 19.0% | -9.7% |
每股收益（稀释后）PBHCTACT
| Q4 25 | — | $-0.11 | ||
| Q3 25 | $0.47 | $0.00 | ||
| Q2 25 | $0.47 | $-0.01 | ||
| Q1 25 | — | $0.00 | ||
| Q4 24 | — | $-0.80 | ||
| Q3 24 | $0.41 | $-0.06 | ||
| Q2 24 | $0.41 | $-0.03 | ||
| Q1 24 | — | $-0.10 |
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 | — | $20.4M |
| 总债务越低越好 | $14.1M | — |
| 股东权益账面价值 | $122.5M | $31.1M |
| 总资产 | $1.4B | $44.8M |
| 负债/权益比越低杠杆越低 | 0.11× | — |
8季度趋势，按日历期对齐
现金及短期投资PBHCTACT
| Q4 25 | — | $20.4M | ||
| Q3 25 | — | $20.0M | ||
| Q2 25 | — | $17.7M | ||
| Q1 25 | — | $14.2M | ||
| Q4 24 | — | $14.4M | ||
| Q3 24 | — | $11.3M | ||
| Q2 24 | — | $11.1M | ||
| Q1 24 | — | $10.6M |
总债务PBHCTACT
| 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 | — |
股东权益PBHCTACT
| Q4 25 | $122.5M | $31.1M | ||
| Q3 25 | $126.3M | $31.8M | ||
| Q2 25 | $124.4M | $31.3M | ||
| Q1 25 | $124.9M | $30.9M | ||
| Q4 24 | $121.5M | $30.6M | ||
| Q3 24 | $120.2M | $38.4M | ||
| Q2 24 | $123.3M | $38.5M | ||
| Q1 24 | $121.8M | $38.6M |
总资产PBHCTACT
| Q4 25 | $1.4B | $44.8M | ||
| Q3 25 | $1.5B | $45.0M | ||
| Q2 25 | $1.5B | $44.5M | ||
| Q1 25 | $1.5B | $44.2M | ||
| Q4 24 | $1.5B | $44.0M | ||
| Q3 24 | $1.5B | $50.5M | ||
| Q2 24 | $1.4B | $50.4M | ||
| Q1 24 | $1.5B | $51.9M |
负债/权益比PBHCTACT
| 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 | $609.0K |
| 自由现金流经营现金流 - 资本支出 | $10.4M | $589.0K |
| 自由现金流率自由现金流/营收 | 88.1% | 5.1% |
| 资本支出强度资本支出/营收 | 10.7% | 0.2% |
| 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 | $7.6M |
8季度趋势，按日历期对齐
经营现金流PBHCTACT
| Q4 25 | $11.7M | $609.0K | ||
| Q3 25 | $7.0M | $3.6M | ||
| Q2 25 | $-3.7M | $3.6M | ||
| Q1 25 | $5.7M | $-161.0K | ||
| Q4 24 | $11.2M | $2.4M | ||
| Q3 24 | $11.8M | $327.0K | ||
| Q2 24 | $1.5M | $636.0K | ||
| Q1 24 | $504.0K | $-1.5M |
自由现金流PBHCTACT
| Q4 25 | $10.4M | $589.0K | ||
| Q3 25 | $6.9M | $3.6M | ||
| Q2 25 | $-4.0M | $3.6M | ||
| Q1 25 | $5.1M | $-171.0K | ||
| Q4 24 | $9.1M | $2.4M | ||
| Q3 24 | $11.3M | $259.0K | ||
| Q2 24 | $637.0K | $499.0K | ||
| Q1 24 | $274.0K | $-1.6M |
自由现金流率PBHCTACT
| Q4 25 | 88.1% | 5.1% | ||
| Q3 25 | 52.8% | 27.1% | ||
| Q2 25 | -42.6% | 25.9% | ||
| Q1 25 | 40.1% | -1.3% | ||
| Q4 24 | 59.9% | 23.2% | ||
| Q3 24 | 84.3% | 2.4% | ||
| Q2 24 | 6.0% | 4.3% | ||
| Q1 24 | 2.5% | -14.9% |
资本支出强度PBHCTACT
| Q4 25 | 10.7% | 0.2% | ||
| Q3 25 | 1.0% | 0.5% | ||
| Q2 25 | 2.4% | 0.1% | ||
| Q1 25 | 5.1% | 0.1% | ||
| Q4 24 | 13.5% | 0.1% | ||
| Q3 24 | 3.8% | 0.6% | ||
| Q2 24 | 8.2% | 1.2% | ||
| Q1 24 | 2.1% | 1.0% |
现金转化率PBHCTACT
| Q4 25 | — | — | ||
| Q3 25 | 11.26× | 242.00× | ||
| Q2 25 | -120.55× | — | ||
| Q1 25 | 1.92× | -8.47× | ||
| 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% |
TACT
暂无分部数据
