Positive context积极背景
Stocks股票 / PFSI
$79.48
+$2.50 · +3.25%
52w low52周低 $73.67high高 $161
Neutral — no clear edge中性 — 无明显优势
Daily low forming, but the bigger trend is still bearish. Small size only; stop below 75.41.日线低点正在形成，但大趋势仍偏空。只适合小仓位；止损设于 75.41 下方。
Live实时
Company intelligence公司情报
The latest call, in context把最新财报放回历史脉络
A synthesized event record across management commentary and recorded metrics. Read as context; verify exact wording in the transcript before relying.综合管理层表述与记录指标形成事件档案。仅供参考；使用前请在电话会原文中核对准确措辞。
Live company record实时公司记录
JavaScript loads the source-bounded event record here. Open Terminal if the live module does not start.JavaScript 会在此加载受来源约束的事件记录。如实时模块未启动，请打开终端。
Continue with full transcript history继续查看完整电话会历史 ↗Pressure context压力背景
History mode历史模式
Context only仅供参考 · not a signal or recommendation不构成信号或建议
Narrative claims may await line-level citation; verify in the transcript.叙述性内容可能仍待逐行引用，请在电话会原文中核对。
Price chart价格图表
daily · interactive日线 · 可交互
Open in Terminal打开终端 ↗
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The interactive chart could not load here.互动图表暂时无法在此加载。
Open the live chart in Terminal在终端中打开实时图表 ↗
Candles, volume and moving averages — pan and zoom inside the chart.蜡烛图、成交量与均线 — 图内可缩放拖动。
MMastermind Terminal — live & interactiveMastermind 终端 — 实时互动 ↗
Technicals技术面
daily bars日线数据 · 2026-08-14
Momentum (RSI 14)动量（RSI 14）
48
Neutral zone中性区域
vs 50-day average相对50日均线
-2.7% below下方
Below trend跌破趋势
vs 200-day average相对200日均线
-21.9% below下方
Long trend down长期向下
Volatility波动率
89th percentile第89百分位
These readings feed the stance at the top — one source per number, refreshed nightly.以上读数构成页首的引擎立场 — 每个数字只有一个来源，每晚更新。
Earnings财务业绩
Financials财务数据
fiscal years财年
Net margin净利率
2491.5%
FCF margin自由现金流利润率
-8215.6%
Clean稳健
Capital allocation资本配置
Share count change (1y)股数变化（1年）+1.3%
Why is it moving为何波动
6 checks · nightly六项检查 · 每晚
Positioning持仓
Insider cluster activity内部人集中交易
Technical技术面
PFSI StochRSI turned up from oversoldPFSI StochRSI自超卖区上行
Ownership & smart money持仓与聪明钱
13FInsider activity:内部人动向： -$7.2M net (1 buyers, 4 sellers)-$7.2M 净值（1 买家，4 卖家）
Concentrated ownership集中持仓
| Fund基金 | Grade评级 | Latest move最新动作 | % of book组合占比 | As of截至 |
|---|---|---|---|---|
| Basswood Capital Management | B | trimtrim | 1.9% | 2026-03-31 |
Signal history信号历史
engine events引擎事件
DOWNTREND → UNCONFIRMED TURN下跌趋势 → 未确认转向
HIGH-RISK · NIMBLE ONLY. A daily bottoming setup is forming (swing low in, momentum turned up) — but the higher timeframes haven't confirmed it: the bigger picture is still bearish (weekly momentum positive; investor cycle failed (broke its start low); last cycle left-translated (topped early)). This is an UNCONFIRMED TURN, not a confirmed buy. Weekly confirmation lags price, so this exact reading covers BOTH bounces that fail AND the first leg of a genuine new cycle — you can't tell which in real time, so treat it as a risk/size signal, not a direction call. Measured: weekly-unconfirmed bottoming setups held the low ~49% of the time vs ~68% once the weekly turns up. The daily cycle has also failed (broke its own start low), which tilts the odds toward failure here. Last cycle was left-translated (topped early) — a bearish structural tell高风险 · 仅限灵活操作。正在形成日线筑底形态（摆动低点已现、动量转向上行）——但更高周期尚未确认：大局仍偏空（周线动量为正；投资者周期失败（跌破起始低点）；上一周期左移（见顶偏早））。这是「未确认转向」，并非已确认的买入。周线确认滞后于价格，因此同样的读数既涵盖最终失败的反弹，也涵盖真正新周期的第一段——实时无法判定属于哪一种，故应将其视为风险/仓位信号，而非方向判断。实测：周线未确认的筑底形态约 49% 守住低点，周线转向后升至约 68%。日线周期同样已经失败（跌破其自身起始低点），此处概率更偏向失败。 上一周期为左移结构（见顶偏早）——属于看空的结构性信号
Aug 7, 2026
PFSI StochRSI turned up from oversoldPFSI StochRSI自超卖区上行
StochRSI popped back above 20 — the earliest oscillator heads-up that downside momentum is easing. $77.41.StochRSI重回20上方 — 下行动量趋缓的最早预警。$77.41。
Jul 30, 2026
BOTTOMING → DOWNTREND筑底中 → 下跌趋势
AVOID回避
Jul 30, 2026
PFSI broke down vs the marketPFSI 相对市场走弱
Relative strength vs SPY crossed below the 10th percentile of the last 90 days — weakness often leads price. $75.87.相对标普500的强弱下穿近90日的第10百分位 — 走弱常先于价格。$75.87。
Jul 30, 2026
PFSI made a new 52-week lowPFSI 创52周新低
Price reached a fresh 52-week low — a momentum / trend extreme the whole market watches. $75.87.价格创出52周新低 — 全市场关注的动量/趋势极值。$75.87。
Jul 30, 2026
PFSI daily MACD crossed downPFSI 日线MACD下穿
The daily MACD histogram turned negative — fast and noisy, context rather than a standalone trigger. $75.87.日线MACD柱状图转负 — 快速且嘈杂，仅作背景。$75.87。
Jul 23, 2026
NEARING A HIGH → BOTTOMING接近高点 → 筑底中
BUY SETUP买入预备
Jul 20, 2026
BUY ZONE → NEARING A HIGH买入区 → 接近高点
TAKE PROFITS止盈
Jul 15, 2026
PFSI daily MACD crossed upPFSI 日线MACD上穿
The daily MACD histogram turned positive — fast and noisy, context rather than a standalone trigger. $84.98.日线MACD柱状图转正 — 快速且嘈杂，仅作背景。$84.98。
Jul 10, 2026
PFSI StochRSI turned up from oversoldPFSI StochRSI自超卖区上行
StochRSI popped back above 20 — the earliest oscillator heads-up that downside momentum is easing. $82.35.StochRSI重回20上方 — 下行动量趋缓的最早预警。$82.35。
Jul 8, 2026
PFSI daily MACD crossed downPFSI 日线MACD下穿
The daily MACD histogram turned negative — fast and noisy, context rather than a standalone trigger. $80.92.日线MACD柱状图转负 — 快速且嘈杂，仅作背景。$80.92。
Showing the last 15 of显示最近15条，共 159 signals条信号
Company profile公司档案
The whole US universe — S&P 1500 and Russell 2000 — read nightly.覆盖标普1500与罗素2000全部成分股 — 每晚更新解读。
Signals, options positioning, smart-money moves and factor DNA — the same engine that wrote this page covers 2,700+ US stocks.信号、期权持仓、聪明钱动向与因子基因 — 撰写本页的引擎覆盖2700多只美股。
Statistics — full detail统计数据 — 完整明细
Price history价格历史
| Period周期 | This stock本股 | S&P 500标普500 |
|---|---|---|
| 1 Week近1周 | +3.2% | +1.2% |
| 1 Month近1月 | -4.1% | +3.5% |
| 3 Months近3月 | -6.9% | +5.2% |
| 6 Months近6月 | -13.3% | +14.4% |
| Year to date年初至今 | -39.2% | +14.2% |
| 1 Year近1年 | -26.0% | +21.6% |
Trading information交易信息
Volatility rank波动率分位
89th pctile
EPS (trailing)每股收益
$9.62
Off 52-week high距52周高点
-49.8%
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Financials — full detail财务数据 — 完整明细
Latest fiscal year最近财年
Revenue (FY)营业收入（财年）
$20M
Net income净利润
$501M
Operating cash flow经营现金流
$-1.7B
Total assets总资产
$29.4B
Dividends paid股息支出
$63M
Buybacks股票回购
$5M
Shares outstanding总股本
0.05B
Returns & growth回报与增长
Return on assets资产回报率
1.7%
Profit growth利润增速
+61.1%
Asset growth资产增速
+12.7%
Accounting quality checks会计质量检查
- Earnings quality: accruals near the peer median盈利质量：应计利润接近同业中位
- Capital discipline: investment near the peer median资本纪律：投资力度接近同业中位
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Technicals — full detail技术面 — 完整明细
Indicator readings指标读数
RSI (14-day)RSI（14日）
48
RSI (2-day)RSI（2日）
93
vs 20-day average相对20日均线
-0.9%
vs 50-day average相对50日均线
-2.7%
vs 200-day average相对200日均线
-21.9%
Golden cross (50>200)金叉（50>200）
not in effect未生效
MACDMACD
below signal位于信号线下方
Timeframe alignment多周期共振
Daily日线
momentum down — turning up soon动能向下——接近转强
3-day3日线
momentum up动能向上
Weekly周线
momentum up动能向上
When daily through monthly point the same way, moves carry further.当日线到月线方向一致时，行情往往更有延续性。
Volatility regime波动状态
Range state波幅状态
expanding — range opening up扩张中 — 波幅放大
Range width percentile波幅宽度分位
81/100
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。
Ownership — full detail持仓 — 完整明细
Tracked funds holding it跟踪基金持仓
| Fund基金 | Grade评级 | Latest move最新动作 | % of book组合占比 | Position市值 |
|---|---|---|---|---|
| Basswood Capital Management | B | Trimming减持 | 1.9% | $40M |
Fund positioning基金持仓概览
Tracked funds in the name持有该股的跟踪基金
1
Buying vs selling买入vs卖出
0 : 1
Quarterly trend季度趋势
{'direction': 'accumulating', 'n_quarters': 11, 'holders_first': 1, 'holders_last': 1, 'holders_delta': 0, 'value_change_pct': 23.1, 'from_period': '2023-09-30', 'to_period': '2026-03-31', 'available_on': '2026-05-15', 'available_on_first': '2023-11-14', 'holders_series': [1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1]}{'direction': 'accumulating', 'n_quarters': 11, 'holders_first': 1, 'holders_last': 1, 'holders_delta': 0, 'value_change_pct': 23.1, 'from_period': '2023-09-30', 'to_period': '2026-03-31', 'available_on': '2026-05-15', 'available_on_first': '2023-11-14', 'holders_series': [1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1]}
Insiders & shorts内部人与空头
Insider net buying (6 months)内部人净买入（6个月）
-$7.2M
Insider buyers vs sellers内部人买家vs卖家
1 : 4
Recent fund flows近期基金流向
SPDR S&P BankSPDR S&P Bank
accumulating持续增持
Research context only — refreshed nightly. Not investment advice.仅供研究参考 — 每晚更新，不构成投资建议。