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Ameris Bancorp（ABCB）与Enphase Energy（ENPH）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Enphase Energy的1.1倍（$314.4M vs $282.9M），Ameris Bancorp净利率更高（35.1% vs -2.6%，领先37.8%），Ameris Bancorp同比增速更快（10.0% vs -20.6%），过去两年Ameris Bancorp的营收复合增速更高（2.3% vs -3.4%）
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。
Enphase Energy是总部位于美国加利福尼亚州弗里蒙特的能源科技企业，成立于2006年，是全球首家成功实现光伏微型逆变器商业化的企业，主要面向住宅用户研发生产光伏微型逆变器、储能电池及电动汽车充电桩。
ABCB vs ENPH — 直观对比
营收规模更大
ABCB
是对方的1.1倍
$282.9M
营收增速更快
ABCB
高出30.5%
-20.6%
净利率更高
ABCB
高出37.8%
-2.6%
两年增速更快
ABCB
近两年复合增速
-3.4%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $314.4M | $282.9M |
| 净利润 | $110.5M | $-7.4M |
| 毛利率 | — | 35.5% |
| 营业利润率 | — | — |
| 净利率 | 35.1% | -2.6% |
| 营收同比 | 10.0% | -20.6% |
| 净利润同比 | 2.0% | -124.9% |
| 每股收益（稀释后） | $1.63 | $-0.06 |
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ABCBENPH
| Q1 26 | $314.4M | $282.9M | ||
| Q4 25 | $307.1M | $343.3M | ||
| Q3 25 | $314.2M | $410.4M | ||
| Q2 25 | $300.7M | $363.2M | ||
| Q1 25 | $285.9M | $356.1M | ||
| Q4 24 | $290.8M | $382.7M | ||
| Q3 24 | $283.8M | $380.9M | ||
| Q2 24 | $300.6M | $303.5M |
净利润ABCBENPH
| Q1 26 | $110.5M | $-7.4M | ||
| Q4 25 | $108.4M | $38.7M | ||
| Q3 25 | $106.0M | $66.6M | ||
| Q2 25 | $109.8M | $37.1M | ||
| Q1 25 | $87.9M | $29.7M | ||
| Q4 24 | $94.4M | $62.2M | ||
| Q3 24 | $99.2M | $45.8M | ||
| Q2 24 | $90.8M | $10.8M |
毛利率ABCBENPH
| Q1 26 | — | 35.5% | ||
| Q4 25 | — | 44.3% | ||
| Q3 25 | — | 47.8% | ||
| Q2 25 | — | 46.9% | ||
| Q1 25 | — | 47.2% | ||
| Q4 24 | — | 51.8% | ||
| Q3 24 | — | 46.8% | ||
| Q2 24 | — | 45.2% |
营业利润率ABCBENPH
| Q1 26 | — | — | ||
| Q4 25 | 45.9% | 6.5% | ||
| Q3 25 | 43.6% | 16.1% | ||
| Q2 25 | 47.4% | 10.2% | ||
| Q1 25 | 39.5% | 9.0% | ||
| Q4 24 | 43.3% | 14.3% | ||
| Q3 24 | 44.4% | 13.1% | ||
| Q2 24 | 42.1% | 0.6% |
净利率ABCBENPH
| Q1 26 | 35.1% | -2.6% | ||
| Q4 25 | 44.2% | 11.3% | ||
| Q3 25 | 33.7% | 16.2% | ||
| Q2 25 | 36.5% | 10.2% | ||
| Q1 25 | 30.8% | 8.3% | ||
| Q4 24 | 42.5% | 16.2% | ||
| Q3 24 | 35.0% | 12.0% | ||
| Q2 24 | 30.2% | 3.6% |
每股收益（稀释后）ABCBENPH
| Q1 26 | $1.63 | $-0.06 | ||
| Q4 25 | $1.59 | $0.29 | ||
| Q3 25 | $1.54 | $0.50 | ||
| Q2 25 | $1.60 | $0.28 | ||
| Q1 25 | $1.27 | $0.22 | ||
| Q4 24 | $1.35 | $0.46 | ||
| Q3 24 | $1.44 | $0.33 | ||
| Q2 24 | $1.32 | $0.08 |
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 | — | $497.5M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $4.1B | $1.1B |
| 总资产 | $28.1B | $2.7B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资ABCBENPH
| Q1 26 | — | $497.5M | ||
| Q4 25 | — | $1.5B | ||
| Q3 25 | — | $1.5B | ||
| Q2 25 | — | $1.5B | ||
| Q1 25 | — | $1.5B | ||
| Q4 24 | — | $1.6B | ||
| Q3 24 | — | $1.8B | ||
| Q2 24 | — | $1.6B |
总债务ABCBENPH
| Q1 26 | — | — | ||
| Q4 25 | — | $1.2B | ||
| Q3 25 | — | $1.2B | ||
| Q2 25 | — | $1.2B | ||
| Q1 25 | — | $1.2B | ||
| Q4 24 | — | $1.3B | ||
| Q3 24 | — | $1.3B | ||
| Q2 24 | — | $1.3B |
股东权益ABCBENPH
| Q1 26 | $4.1B | $1.1B | ||
| Q4 25 | $4.1B | $1.1B | ||
| Q3 25 | $4.0B | $995.0M | ||
| Q2 25 | $3.9B | $880.6M | ||
| Q1 25 | $3.8B | $810.7M | ||
| Q4 24 | $3.8B | $833.0M | ||
| Q3 24 | $3.7B | $931.4M | ||
| Q2 24 | $3.6B | $884.5M |
总资产ABCBENPH
| Q1 26 | $28.1B | $2.7B | ||
| Q4 25 | $27.5B | $3.5B | ||
| Q3 25 | $27.1B | $3.3B | ||
| Q2 25 | $26.7B | $3.2B | ||
| Q1 25 | $26.5B | $3.1B | ||
| Q4 24 | $26.3B | $3.2B | ||
| Q3 24 | $26.4B | $3.3B | ||
| Q2 24 | $26.5B | $3.2B |
负债/权益比ABCBENPH
| Q1 26 | — | — | ||
| Q4 25 | — | 1.11× | ||
| Q3 25 | — | 1.21× | ||
| Q2 25 | — | 1.37× | ||
| Q1 25 | — | 1.48× | ||
| Q4 24 | — | 1.56× | ||
| Q3 24 | — | 1.40× | ||
| Q2 24 | — | 1.47× |
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 | — | $102.9M |
| 自由现金流经营现金流 - 资本支出 | — | $83.0M |
| 自由现金流率自由现金流/营收 | — | 29.3% |
| 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 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $145.1M |
8季度趋势，按日历期对齐
经营现金流ABCBENPH
| Q1 26 | — | $102.9M | ||
| Q4 25 | $390.2M | $47.6M | ||
| Q3 25 | $104.9M | $13.9M | ||
| Q2 25 | $61.4M | $26.6M | ||
| Q1 25 | $116.9M | $48.4M | ||
| Q4 24 | $154.2M | $167.3M | ||
| Q3 24 | $102.2M | $170.1M | ||
| Q2 24 | $-97.1M | $127.1M |
自由现金流ABCBENPH
| Q1 26 | — | $83.0M | ||
| Q4 25 | $369.6M | $37.8M | ||
| Q3 25 | $100.5M | $5.9M | ||
| Q2 25 | $53.7M | $18.4M | ||
| Q1 25 | $114.2M | $33.8M | ||
| Q4 24 | $140.7M | $159.2M | ||
| Q3 24 | $99.8M | $161.6M | ||
| Q2 24 | $-100.3M | $117.4M |
自由现金流率ABCBENPH
| Q1 26 | — | 29.3% | ||
| Q4 25 | 120.4% | 11.0% | ||
| Q3 25 | 32.0% | 1.4% | ||
| Q2 25 | 17.9% | 5.1% | ||
| Q1 25 | 39.9% | 9.5% | ||
| Q4 24 | 48.4% | 41.6% | ||
| Q3 24 | 35.2% | 42.4% | ||
| Q2 24 | -33.4% | 38.7% |
资本支出强度ABCBENPH
| Q1 26 | — | — | ||
| Q4 25 | 6.7% | 2.8% | ||
| Q3 25 | 1.4% | 2.0% | ||
| Q2 25 | 2.5% | 2.3% | ||
| Q1 25 | 0.9% | 4.1% | ||
| Q4 24 | 4.6% | 2.1% | ||
| Q3 24 | 0.8% | 2.2% | ||
| Q2 24 | 1.1% | 3.2% |
现金转化率ABCBENPH
| Q1 26 | — | — | ||
| Q4 25 | 3.60× | 1.23× | ||
| Q3 25 | 0.99× | 0.21× | ||
| Q2 25 | 0.56× | 0.72× | ||
| Q1 25 | 1.33× | 1.63× | ||
| Q4 24 | 1.63× | 2.69× | ||
| Q3 24 | 1.03× | 3.72× | ||
| Q2 24 | -1.07× | 11.73× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
