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Ameris Bancorp（ABCB）与FirstCash Holdings, Inc.（FCFS）财务数据对比。点击上方公司名可切换其他公司
FirstCash Holdings, Inc.的季度营收约是Ameris Bancorp的1.6倍（$501.3M vs $314.4M），Ameris Bancorp净利率更高（35.1% vs 20.8%，领先14.4%），FirstCash Holdings, Inc.同比增速更快（21.2% vs 10.0%），过去两年FirstCash Holdings, Inc.的营收复合增速更高（16.9% 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。
FirstCash Holdings, Inc.是总部位于美国得克萨斯州沃斯堡的典当企业，在美国及拉丁美洲多地运营线下典当零售门店，为纳斯达克证券交易所公开上市企业，在美洲典当服务领域拥有成熟的业务布局与完善的运营网络。
ABCB vs FCFS — 直观对比
营收规模更大
FCFS
是对方的1.6倍
$314.4M
营收增速更快
FCFS
高出11.2%
10.0%
净利率更高
ABCB
高出14.4%
20.8%
两年增速更快
FCFS
近两年复合增速
2.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $314.4M | $501.3M |
| 净利润 | $110.5M | $104.2M |
| 毛利率 | — | — |
| 营业利润率 | — | 28.5% |
| 净利率 | 35.1% | 20.8% |
| 营收同比 | 10.0% | 21.2% |
| 净利润同比 | — | 24.7% |
| 每股收益（稀释后） | $1.63 | $2.35 |
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ABCBFCFS
| Q1 26 | $314.4M | — | ||
| Q4 25 | $307.1M | $501.3M | ||
| Q3 25 | $314.2M | $411.0M | ||
| Q2 25 | $300.7M | $385.1M | ||
| Q1 25 | $285.9M | $371.1M | ||
| Q4 24 | $290.8M | $413.7M | ||
| Q3 24 | $283.8M | $363.1M | ||
| Q2 24 | $300.6M | $363.5M |
净利润ABCBFCFS
| Q1 26 | $110.5M | — | ||
| Q4 25 | $108.4M | $104.2M | ||
| Q3 25 | $106.0M | $82.8M | ||
| Q2 25 | $109.8M | $59.8M | ||
| Q1 25 | $87.9M | $83.6M | ||
| Q4 24 | $94.4M | $83.5M | ||
| Q3 24 | $99.2M | $64.8M | ||
| Q2 24 | $90.8M | $49.1M |
营业利润率ABCBFCFS
| Q1 26 | — | — | ||
| Q4 25 | 45.9% | 28.5% | ||
| Q3 25 | 43.6% | 27.4% | ||
| Q2 25 | 47.4% | 21.1% | ||
| Q1 25 | 39.5% | 30.0% | ||
| Q4 24 | 43.3% | 26.5% | ||
| Q3 24 | 44.4% | 23.5% | ||
| Q2 24 | 42.1% | 18.2% |
净利率ABCBFCFS
| Q1 26 | 35.1% | — | ||
| Q4 25 | 44.2% | 20.8% | ||
| Q3 25 | 33.7% | 20.1% | ||
| Q2 25 | 36.5% | 15.5% | ||
| Q1 25 | 30.8% | 22.5% | ||
| Q4 24 | 42.5% | 20.2% | ||
| Q3 24 | 35.0% | 17.9% | ||
| Q2 24 | 30.2% | 13.5% |
每股收益（稀释后）ABCBFCFS
| Q1 26 | $1.63 | — | ||
| Q4 25 | $1.59 | $2.35 | ||
| Q3 25 | $1.54 | $1.86 | ||
| Q2 25 | $1.60 | $1.34 | ||
| Q1 25 | $1.27 | $1.87 | ||
| Q4 24 | $1.35 | $1.86 | ||
| Q3 24 | $1.44 | $1.44 | ||
| Q2 24 | $1.32 | $1.08 |
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 | — | $125.2M |
| 总债务越低越好 | — | $2.2B |
| 股东权益账面价值 | $4.1B | $2.3B |
| 总资产 | $28.1B | $5.3B |
| 负债/权益比越低杠杆越低 | — | 0.98× |
8季度趋势，按日历期对齐
现金及短期投资ABCBFCFS
| Q1 26 | — | — | ||
| Q4 25 | — | $125.2M | ||
| Q3 25 | — | $130.2M | ||
| Q2 25 | — | $101.5M | ||
| Q1 25 | — | $146.0M | ||
| Q4 24 | — | $175.1M | ||
| Q3 24 | — | $106.3M | ||
| Q2 24 | — | $113.7M |
总债务ABCBFCFS
| Q1 26 | — | — | ||
| Q4 25 | — | $2.2B | ||
| Q3 25 | — | $2.2B | ||
| Q2 25 | — | $1.7B | ||
| Q1 25 | — | $1.7B | ||
| Q4 24 | — | $1.7B | ||
| Q3 24 | — | $1.7B | ||
| Q2 24 | — | $1.7B |
股东权益ABCBFCFS
| Q1 26 | $4.1B | — | ||
| Q4 25 | $4.1B | $2.3B | ||
| Q3 25 | $4.0B | $2.2B | ||
| Q2 25 | $3.9B | $2.1B | ||
| Q1 25 | $3.8B | $2.1B | ||
| Q4 24 | $3.8B | $2.1B | ||
| Q3 24 | $3.7B | $2.0B | ||
| Q2 24 | $3.6B | $2.0B |
总资产ABCBFCFS
| Q1 26 | $28.1B | — | ||
| Q4 25 | $27.5B | $5.3B | ||
| Q3 25 | $27.1B | $5.2B | ||
| Q2 25 | $26.7B | $4.5B | ||
| Q1 25 | $26.5B | $4.4B | ||
| Q4 24 | $26.3B | $4.5B | ||
| Q3 24 | $26.4B | $4.4B | ||
| Q2 24 | $26.5B | $4.3B |
负债/权益比ABCBFCFS
| Q1 26 | — | — | ||
| Q4 25 | — | 0.98× | ||
| Q3 25 | — | 1.01× | ||
| Q2 25 | — | 0.79× | ||
| Q1 25 | — | 0.83× | ||
| Q4 24 | — | 0.85× | ||
| Q3 24 | — | 0.87× | ||
| Q2 24 | — | 0.85× |
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 | — | $206.6M |
| 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 | — | 1.98× |
| 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ABCBFCFS
| Q1 26 | — | — | ||
| Q4 25 | $390.2M | $206.6M | ||
| Q3 25 | $104.9M | $135.8M | ||
| Q2 25 | $61.4M | $116.9M | ||
| Q1 25 | $116.9M | $126.6M | ||
| Q4 24 | $154.2M | $198.1M | ||
| Q3 24 | $102.2M | $113.1M | ||
| Q2 24 | $-97.1M | $106.2M |
自由现金流ABCBFCFS
| Q1 26 | — | — | ||
| Q4 25 | $369.6M | — | ||
| Q3 25 | $100.5M | — | ||
| Q2 25 | $53.7M | — | ||
| Q1 25 | $114.2M | — | ||
| Q4 24 | $140.7M | — | ||
| Q3 24 | $99.8M | — | ||
| Q2 24 | $-100.3M | — |
自由现金流率ABCBFCFS
| Q1 26 | — | — | ||
| Q4 25 | 120.4% | — | ||
| Q3 25 | 32.0% | — | ||
| Q2 25 | 17.9% | — | ||
| Q1 25 | 39.9% | — | ||
| Q4 24 | 48.4% | — | ||
| Q3 24 | 35.2% | — | ||
| Q2 24 | -33.4% | — |
资本支出强度ABCBFCFS
| Q1 26 | — | — | ||
| Q4 25 | 6.7% | — | ||
| Q3 25 | 1.4% | — | ||
| Q2 25 | 2.5% | — | ||
| Q1 25 | 0.9% | — | ||
| Q4 24 | 4.6% | — | ||
| Q3 24 | 0.8% | — | ||
| Q2 24 | 1.1% | — |
现金转化率ABCBFCFS
| Q1 26 | — | — | ||
| Q4 25 | 3.60× | 1.98× | ||
| Q3 25 | 0.99× | 1.64× | ||
| Q2 25 | 0.56× | 1.95× | ||
| Q1 25 | 1.33× | 1.51× | ||
| Q4 24 | 1.63× | 2.37× | ||
| Q3 24 | 1.03× | 1.74× | ||
| Q2 24 | -1.07× | 2.16× |
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
FCFS
| US Pawn Segment | $292.2M | 58% |
| Retail POS Payment Solutions | $209.8M | 42% |
