vs
Ameris Bancorp（ABCB）与南玻集团（CSGS）财务数据对比。点击上方公司名可切换其他公司
南玻集团的季度营收约是Ameris Bancorp的1.0倍（$323.1M vs $314.4M），Ameris Bancorp净利率更高（35.1% vs 2.2%，领先33.0%），Ameris Bancorp同比增速更快（10.0% vs 2.0%），过去两年南玻集团的营收复合增速更高（4.6% vs 2.3%）
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。
中国南玻集团股份有限公司是中国规模最大的建筑玻璃生产商，业务涵盖浮法玻璃、建筑玻璃、显示玻璃、汽车玻璃、镀膜玻璃、镜子、彩滤玻璃、太阳能玻璃及节能玻璃等各类玻璃产品的研发、生产与销售，产品广泛应用于建筑、消费电子、新能源汽车、光伏等多个领域。
ABCB vs CSGS — 直观对比
营收规模更大
CSGS
是对方的1.0倍
$314.4M
营收增速更快
ABCB
高出7.9%
2.0%
净利率更高
ABCB
高出33.0%
2.2%
两年增速更快
CSGS
近两年复合增速
2.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $314.4M | $323.1M |
| 净利润 | $110.5M | $7.0M |
| 毛利率 | — | 50.0% |
| 营业利润率 | — | 9.0% |
| 净利率 | 35.1% | 2.2% |
| 营收同比 | 10.0% | 2.0% |
| 净利润同比 | — | -79.7% |
| 每股收益（稀释后） | $1.63 | $0.24 |
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ABCBCSGS
| Q1 26 | $314.4M | — | ||
| Q4 25 | $307.1M | $323.1M | ||
| Q3 25 | $314.2M | $303.6M | ||
| Q2 25 | $300.7M | $297.1M | ||
| Q1 25 | $285.9M | $299.5M | ||
| Q4 24 | $290.8M | $316.7M | ||
| Q3 24 | $283.8M | $295.1M | ||
| Q2 24 | $300.6M | $290.3M |
净利润ABCBCSGS
| Q1 26 | $110.5M | — | ||
| Q4 25 | $108.4M | $7.0M | ||
| Q3 25 | $106.0M | $20.5M | ||
| Q2 25 | $109.8M | $12.3M | ||
| Q1 25 | $87.9M | $16.1M | ||
| Q4 24 | $94.4M | $34.5M | ||
| Q3 24 | $99.2M | $19.1M | ||
| Q2 24 | $90.8M | $13.8M |
毛利率ABCBCSGS
| Q1 26 | — | — | ||
| Q4 25 | — | 50.0% | ||
| Q3 25 | — | 48.1% | ||
| Q2 25 | — | 49.5% | ||
| Q1 25 | — | 48.4% | ||
| Q4 24 | — | 51.3% | ||
| Q3 24 | — | 49.4% | ||
| Q2 24 | — | 47.3% |
营业利润率ABCBCSGS
| Q1 26 | — | — | ||
| Q4 25 | 45.9% | 9.0% | ||
| Q3 25 | 43.6% | 10.0% | ||
| Q2 25 | 47.4% | 10.0% | ||
| Q1 25 | 39.5% | 9.8% | ||
| Q4 24 | 43.3% | 13.4% | ||
| Q3 24 | 44.4% | 10.8% | ||
| Q2 24 | 42.1% | 8.8% |
净利率ABCBCSGS
| Q1 26 | 35.1% | — | ||
| Q4 25 | 44.2% | 2.2% | ||
| Q3 25 | 33.7% | 6.7% | ||
| Q2 25 | 36.5% | 4.1% | ||
| Q1 25 | 30.8% | 5.4% | ||
| Q4 24 | 42.5% | 10.9% | ||
| Q3 24 | 35.0% | 6.5% | ||
| Q2 24 | 30.2% | 4.8% |
每股收益（稀释后）ABCBCSGS
| Q1 26 | $1.63 | — | ||
| Q4 25 | $1.59 | $0.24 | ||
| Q3 25 | $1.54 | $0.73 | ||
| Q2 25 | $1.60 | $0.44 | ||
| Q1 25 | $1.27 | $0.57 | ||
| Q4 24 | $1.35 | $1.20 | ||
| Q3 24 | $1.44 | $0.67 | ||
| Q2 24 | $1.32 | $0.48 |
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 | — | $180.0M |
| 总债务越低越好 | — | $539.5M |
| 股东权益账面价值 | $4.1B | $283.7M |
| 总资产 | $28.1B | $1.5B |
| 负债/权益比越低杠杆越低 | — | 1.90× |
8季度趋势，按日历期对齐
现金及短期投资ABCBCSGS
| Q1 26 | — | — | ||
| Q4 25 | — | $180.0M | ||
| Q3 25 | — | $158.4M | ||
| Q2 25 | — | $145.9M | ||
| Q1 25 | — | $136.0M | ||
| Q4 24 | — | $161.8M | ||
| Q3 24 | — | $118.4M | ||
| Q2 24 | — | $110.4M |
总债务ABCBCSGS
| Q1 26 | — | — | ||
| Q4 25 | — | $539.5M | ||
| Q3 25 | — | $538.6M | ||
| Q2 25 | — | $537.8M | ||
| Q1 25 | — | $537.6M | ||
| Q4 24 | — | $538.5M | ||
| Q3 24 | — | $539.5M | ||
| Q2 24 | — | $540.5M |
股东权益ABCBCSGS
| Q1 26 | $4.1B | — | ||
| Q4 25 | $4.1B | $283.7M | ||
| Q3 25 | $4.0B | $289.5M | ||
| Q2 25 | $3.9B | $290.7M | ||
| Q1 25 | $3.8B | $283.1M | ||
| Q4 24 | $3.8B | $282.6M | ||
| Q3 24 | $3.7B | $288.4M | ||
| Q2 24 | $3.6B | $273.3M |
总资产ABCBCSGS
| Q1 26 | $28.1B | — | ||
| Q4 25 | $27.5B | $1.5B | ||
| Q3 25 | $27.1B | $1.5B | ||
| Q2 25 | $26.7B | $1.4B | ||
| Q1 25 | $26.5B | $1.4B | ||
| Q4 24 | $26.3B | $1.5B | ||
| Q3 24 | $26.4B | $1.4B | ||
| Q2 24 | $26.5B | $1.4B |
负债/权益比ABCBCSGS
| Q1 26 | — | — | ||
| Q4 25 | — | 1.90× | ||
| Q3 25 | — | 1.86× | ||
| Q2 25 | — | 1.85× | ||
| Q1 25 | — | 1.90× | ||
| Q4 24 | — | 1.91× | ||
| Q3 24 | — | 1.87× | ||
| Q2 24 | — | 1.98× |
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 | — | $59.2M |
| 自由现金流经营现金流 - 资本支出 | — | $55.8M |
| 自由现金流率自由现金流/营收 | — | 17.3% |
| 资本支出强度资本支出/营收 | — | 1.1% |
| 现金转化率经营现金流/净利润 | — | 8.46× |
| 过去12个月自由现金流最近4个季度 | — | $141.4M |
8季度趋势，按日历期对齐
经营现金流ABCBCSGS
| Q1 26 | — | — | ||
| Q4 25 | $390.2M | $59.2M | ||
| Q3 25 | $104.9M | $47.9M | ||
| Q2 25 | $61.4M | $37.3M | ||
| Q1 25 | $116.9M | $11.5M | ||
| Q4 24 | $154.2M | $82.5M | ||
| Q3 24 | $102.2M | $39.5M | ||
| Q2 24 | $-97.1M | $43.1M |
自由现金流ABCBCSGS
| Q1 26 | — | — | ||
| Q4 25 | $369.6M | $55.8M | ||
| Q3 25 | $100.5M | $43.9M | ||
| Q2 25 | $53.7M | $34.6M | ||
| Q1 25 | $114.2M | $7.1M | ||
| Q4 24 | $140.7M | $76.6M | ||
| Q3 24 | $99.8M | $32.0M | ||
| Q2 24 | $-100.3M | $38.8M |
自由现金流率ABCBCSGS
| Q1 26 | — | — | ||
| Q4 25 | 120.4% | 17.3% | ||
| Q3 25 | 32.0% | 14.5% | ||
| Q2 25 | 17.9% | 11.6% | ||
| Q1 25 | 39.9% | 2.4% | ||
| Q4 24 | 48.4% | 24.2% | ||
| Q3 24 | 35.2% | 10.8% | ||
| Q2 24 | -33.4% | 13.4% |
资本支出强度ABCBCSGS
| Q1 26 | — | — | ||
| Q4 25 | 6.7% | 1.1% | ||
| Q3 25 | 1.4% | 1.3% | ||
| Q2 25 | 2.5% | 0.9% | ||
| Q1 25 | 0.9% | 1.5% | ||
| Q4 24 | 4.6% | 1.9% | ||
| Q3 24 | 0.8% | 2.5% | ||
| Q2 24 | 1.1% | 1.5% |
现金转化率ABCBCSGS
| Q1 26 | — | — | ||
| Q4 25 | 3.60× | 8.46× | ||
| Q3 25 | 0.99× | 2.34× | ||
| Q2 25 | 0.56× | 3.04× | ||
| Q1 25 | 1.33× | 0.71× | ||
| Q4 24 | 1.63× | 2.39× | ||
| Q3 24 | 1.03× | 2.07× | ||
| Q2 24 | -1.07× | 3.12× |
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
CSGS
| Software As A Service And Related Solutions | $287.2M | 89% |
| License And Service | $22.6M | 7% |
| Maintenance | $13.3M | 4% |
