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Ameris Bancorp（ABCB）与Ally Financial Inc.（ALLY）财务数据对比。点击上方公司名可切换其他公司
Ameris Bancorp的季度营收约是Ally Financial Inc.的1.0倍（$314.4M vs $301.0M）。Ally Financial Inc.净利率更高（108.6% vs 35.1%，领先73.5%）。Ameris Bancorp同比增速更快（10.0% vs -3.2%）。过去两年Ameris Bancorp的营收复合增速更高（21.8% vs 11.1%）
Ameris Bancorp是总部位于美国佐治亚州亚特兰大的银行控股企业，旗下子公司Ameris Bank在佐治亚、阿拉巴马、佛罗里达、北卡罗来纳、南卡罗来纳五州运营全服务网点，另在多州设有抵押贷款专属站点，同时面向个人及企业客户提供便捷的线上及移动银行服务。
Ally Financial Inc.是注册于美国特拉华州、总部位于密歇根州底特律的银行控股企业，业务覆盖汽车金融、直营银行线上服务、企业贷款、车辆保险、住房抵押贷款，以及分期销售、租赁协议等相关配套融资服务。
ABCB vs ALLY — 直观对比
营收规模更大
ABCB
是对方的1.0倍
$301.0M
营收增速更快
ABCB
高出13.2%
-3.2%
净利率更高
ALLY
高出73.5%
35.1%
两年增速更快
ABCB
近两年复合增速
11.1%
损益表 — Q1 2026 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $314.4M | $301.0M |
| 净利润 | $110.5M | $327.0M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 35.1% | 108.6% |
| 营收同比 | 10.0% | -3.2% |
| 净利润同比 | 2.0% | 333.6% |
| 每股收益（稀释后） | $1.63 | $0.97 |
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ABCBALLY
| Q1 26 | $314.4M | — | ||
| Q4 25 | $245.3M | $301.0M | ||
| Q3 25 | $238.0M | $308.0M | ||
| Q2 25 | $231.8M | $312.0M | ||
| Q1 25 | $221.8M | $323.0M | ||
| Q4 24 | $221.8M | $311.0M | ||
| Q3 24 | $214.1M | $319.0M | ||
| Q2 24 | $211.9M | $324.0M |
净利润ABCBALLY
| Q1 26 | $110.5M | — | ||
| Q4 25 | $108.4M | $327.0M | ||
| Q3 25 | $106.0M | $398.0M | ||
| Q2 25 | $109.8M | $352.0M | ||
| Q1 25 | $87.9M | $-225.0M | ||
| Q4 24 | $94.4M | $-140.0M | ||
| Q3 24 | $99.2M | $357.0M | ||
| Q2 24 | $90.8M | $294.0M |
营业利润率ABCBALLY
| Q1 26 | — | — | ||
| Q4 25 | 57.5% | — | ||
| Q3 25 | 57.6% | — | ||
| Q2 25 | 61.6% | — | ||
| Q1 25 | 50.9% | -87.9% | ||
| Q4 24 | 56.8% | 56.3% | ||
| Q3 24 | 58.8% | 73.0% | ||
| Q2 24 | 59.7% | 79.3% |
净利率ABCBALLY
| Q1 26 | 35.1% | — | ||
| Q4 25 | 44.2% | 108.6% | ||
| Q3 25 | 44.6% | 129.2% | ||
| Q2 25 | 47.4% | 112.8% | ||
| Q1 25 | 39.6% | -69.7% | ||
| Q4 24 | 42.5% | -45.0% | ||
| Q3 24 | 46.3% | 111.9% | ||
| Q2 24 | 42.8% | 90.7% |
每股收益（稀释后）ABCBALLY
| Q1 26 | $1.63 | — | ||
| Q4 25 | $1.59 | $0.97 | ||
| Q3 25 | $1.54 | $1.18 | ||
| Q2 25 | $1.60 | $1.04 | ||
| Q1 25 | $1.27 | $-0.82 | ||
| Q4 24 | $1.35 | $-0.54 | ||
| Q3 24 | $1.44 | $1.06 | ||
| Q2 24 | $1.32 | $0.86 |
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 | — | $10.0B |
| 总债务越低越好 | — | $17.1B |
| 股东权益账面价值 | $4.1B | $15.5B |
| 总资产 | $28.1B | $196.0B |
| 负债/权益比越低杠杆越低 | — | 1.10× |
8季度趋势，按日历期对齐
现金及短期投资ABCBALLY
| Q1 26 | — | — | ||
| Q4 25 | — | $10.0B | ||
| Q3 25 | — | $10.2B | ||
| Q2 25 | — | $10.6B | ||
| Q1 25 | — | $10.4B | ||
| Q4 24 | — | $10.3B | ||
| Q3 24 | — | $8.6B | ||
| Q2 24 | — | $7.4B |
总债务ABCBALLY
| Q1 26 | — | — | ||
| Q4 25 | — | $17.1B | ||
| Q3 25 | — | $16.7B | ||
| Q2 25 | — | $15.9B | ||
| Q1 25 | — | $16.5B | ||
| Q4 24 | — | $17.5B | ||
| Q3 24 | — | $16.8B | ||
| Q2 24 | — | $16.0B |
股东权益ABCBALLY
| Q1 26 | $4.1B | — | ||
| Q4 25 | $4.1B | $15.5B | ||
| Q3 25 | $4.0B | $15.1B | ||
| Q2 25 | $3.9B | $14.5B | ||
| Q1 25 | $3.8B | $14.2B | ||
| Q4 24 | $3.8B | $13.9B | ||
| Q3 24 | $3.7B | $14.7B | ||
| Q2 24 | $3.6B | $13.9B |
总资产ABCBALLY
| Q1 26 | $28.1B | — | ||
| Q4 25 | $27.5B | $196.0B | ||
| Q3 25 | $27.1B | $191.7B | ||
| Q2 25 | $26.7B | $189.5B | ||
| Q1 25 | $26.5B | $193.3B | ||
| Q4 24 | $26.3B | $191.8B | ||
| Q3 24 | $26.4B | $193.0B | ||
| Q2 24 | $26.5B | $192.5B |
负债/权益比ABCBALLY
| Q1 26 | — | — | ||
| Q4 25 | — | 1.10× | ||
| Q3 25 | — | 1.11× | ||
| Q2 25 | — | 1.09× | ||
| Q1 25 | — | 1.16× | ||
| Q4 24 | — | 1.26× | ||
| Q3 24 | — | 1.14× | ||
| Q2 24 | — | 1.15× |
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 | — | $640.0M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | — | 1.96× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流ABCBALLY
| Q1 26 | — | — | ||
| Q4 25 | $107.0M | $640.0M | ||
| Q3 25 | $104.9M | $1.2B | ||
| Q2 25 | $61.4M | $947.0M | ||
| Q1 25 | $116.9M | $940.0M | ||
| Q4 24 | $130.5M | $620.0M | ||
| Q3 24 | $102.2M | $992.0M | ||
| Q2 24 | $-97.1M | $1.6B |
自由现金流ABCBALLY
| Q1 26 | — | — | ||
| Q4 25 | $101.2M | — | ||
| Q3 25 | $100.5M | — | ||
| Q2 25 | $53.7M | — | ||
| Q1 25 | $114.2M | — | ||
| Q4 24 | $126.1M | — | ||
| Q3 24 | $99.8M | — | ||
| Q2 24 | $-100.3M | — |
自由现金流率ABCBALLY
| Q1 26 | — | — | ||
| Q4 25 | 41.3% | — | ||
| Q3 25 | 42.2% | — | ||
| Q2 25 | 23.2% | — | ||
| Q1 25 | 51.5% | — | ||
| Q4 24 | 56.9% | — | ||
| Q3 24 | 46.6% | — | ||
| Q2 24 | -47.3% | — |
资本支出强度ABCBALLY
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | — | ||
| Q3 25 | 1.8% | — | ||
| Q2 25 | 3.3% | — | ||
| Q1 25 | 1.2% | — | ||
| Q4 24 | 2.0% | — | ||
| Q3 24 | 1.1% | — | ||
| Q2 24 | 1.5% | — |
现金转化率ABCBALLY
| Q1 26 | — | — | ||
| Q4 25 | 0.99× | 1.96× | ||
| Q3 25 | 0.99× | 3.02× | ||
| Q2 25 | 0.56× | 2.69× | ||
| Q1 25 | 1.33× | — | ||
| Q4 24 | 1.38× | — | ||
| Q3 24 | 1.03× | 2.78× | ||
| Q2 24 | -1.07× | 5.36× |
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
ABCB
暂无分部数据
ALLY
| Noninsurance Contracts | $242.0M | 80% |
| Brokerage Commissionsand Other | $21.0M | 7% |
| Commercial Portfolio Segment | $19.0M | 6% |
| Other | $13.0M | 4% |
| Banking Fees And Interchange Income | $5.0M | 2% |
| Brokered Agent Commissions | $1.0M | 0% |
