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Ameris Bancorp（ABCB）与Fair Isaac（FICO）财务数据对比。点击上方公司名可切换其他公司
Fair Isaac的季度营收约是Ameris Bancorp的1.6倍（$512.0M vs $314.4M），Ameris Bancorp净利率更高（35.1% vs 30.9%，领先4.2%），Fair Isaac同比增速更快（16.4% vs 10.0%），过去两年Fair Isaac的营收复合增速更高（8.6% 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。
FICO（原Fair, Isaac and Company）是美国知名数据分析企业，1956年由比尔·费尔与厄尔·艾萨克创立，总部位于蒙大拿州博兹曼市，核心业务为信用评分服务，其推出的FICO信用分是评估消费者信贷风险的重要指标，目前已被美国消费信贷行业广泛采用。
ABCB vs FICO — 直观对比
营收规模更大
FICO
是对方的1.6倍
$314.4M
营收增速更快
FICO
高出6.4%
10.0%
净利率更高
ABCB
高出4.2%
30.9%
两年增速更快
FICO
近两年复合增速
2.3%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $314.4M | $512.0M |
| 净利润 | $110.5M | $158.4M |
| 毛利率 | — | 83.0% |
| 营业利润率 | — | 45.7% |
| 净利率 | 35.1% | 30.9% |
| 营收同比 | 10.0% | 16.4% |
| 净利润同比 | — | 3.8% |
| 每股收益（稀释后） | $1.63 | $6.61 |
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ABCBFICO
| Q1 26 | $314.4M | — | ||
| Q4 25 | $307.1M | $512.0M | ||
| Q3 25 | $314.2M | $515.8M | ||
| Q2 25 | $300.7M | $536.4M | ||
| Q1 25 | $285.9M | $498.7M | ||
| Q4 24 | $290.8M | $440.0M | ||
| Q3 24 | $283.8M | $453.8M | ||
| Q2 24 | $300.6M | $447.8M |
净利润ABCBFICO
| Q1 26 | $110.5M | — | ||
| Q4 25 | $108.4M | $158.4M | ||
| Q3 25 | $106.0M | $155.0M | ||
| Q2 25 | $109.8M | $181.8M | ||
| Q1 25 | $87.9M | $162.6M | ||
| Q4 24 | $94.4M | $152.5M | ||
| Q3 24 | $99.2M | $135.7M | ||
| Q2 24 | $90.8M | $126.3M |
毛利率ABCBFICO
| Q1 26 | — | — | ||
| Q4 25 | — | 83.0% | ||
| Q3 25 | — | 82.3% | ||
| Q2 25 | — | 83.7% | ||
| Q1 25 | — | 82.4% | ||
| Q4 24 | — | 80.1% | ||
| Q3 24 | — | 80.3% | ||
| Q2 24 | — | 80.3% |
营业利润率ABCBFICO
| Q1 26 | — | — | ||
| Q4 25 | 45.9% | 45.7% | ||
| Q3 25 | 43.6% | 46.0% | ||
| Q2 25 | 47.4% | 48.9% | ||
| Q1 25 | 39.5% | 49.3% | ||
| Q4 24 | 43.3% | 40.8% | ||
| Q3 24 | 44.4% | 43.4% | ||
| Q2 24 | 42.1% | 42.5% |
净利率ABCBFICO
| Q1 26 | 35.1% | — | ||
| Q4 25 | 44.2% | 30.9% | ||
| Q3 25 | 33.7% | 30.1% | ||
| Q2 25 | 36.5% | 33.9% | ||
| Q1 25 | 30.8% | 32.6% | ||
| Q4 24 | 42.5% | 34.7% | ||
| Q3 24 | 35.0% | 29.9% | ||
| Q2 24 | 30.2% | 28.2% |
每股收益（稀释后）ABCBFICO
| Q1 26 | $1.63 | — | ||
| Q4 25 | $1.59 | $6.61 | ||
| Q3 25 | $1.54 | $6.41 | ||
| Q2 25 | $1.60 | $7.40 | ||
| Q1 25 | $1.27 | $6.59 | ||
| Q4 24 | $1.35 | $6.14 | ||
| Q3 24 | $1.44 | $5.44 | ||
| Q2 24 | $1.32 | $5.05 |
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 | — | $162.0M |
| 总债务越低越好 | — | $3.2B |
| 股东权益账面价值 | $4.1B | $-1.8B |
| 总资产 | $28.1B | $1.9B |
| 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ABCBFICO
| Q1 26 | — | — | ||
| Q4 25 | — | $162.0M | ||
| Q3 25 | — | $134.1M | ||
| Q2 25 | — | $189.0M | ||
| Q1 25 | — | $146.6M | ||
| Q4 24 | — | $184.3M | ||
| Q3 24 | — | $150.7M | ||
| Q2 24 | — | $156.0M |
总债务ABCBFICO
| Q1 26 | — | — | ||
| Q4 25 | — | $3.2B | ||
| Q3 25 | — | $3.1B | ||
| Q2 25 | — | $2.8B | ||
| Q1 25 | — | $2.5B | ||
| Q4 24 | — | $2.4B | ||
| Q3 24 | — | $2.2B | ||
| Q2 24 | — | $2.1B |
股东权益ABCBFICO
| Q1 26 | $4.1B | — | ||
| Q4 25 | $4.1B | $-1.8B | ||
| Q3 25 | $4.0B | $-1.7B | ||
| Q2 25 | $3.9B | $-1.4B | ||
| Q1 25 | $3.8B | $-1.1B | ||
| Q4 24 | $3.8B | $-1.1B | ||
| Q3 24 | $3.7B | $-962.7M | ||
| Q2 24 | $3.6B | $-829.3M |
总资产ABCBFICO
| Q1 26 | $28.1B | — | ||
| Q4 25 | $27.5B | $1.9B | ||
| Q3 25 | $27.1B | $1.9B | ||
| Q2 25 | $26.7B | $1.9B | ||
| Q1 25 | $26.5B | $1.8B | ||
| Q4 24 | $26.3B | $1.7B | ||
| Q3 24 | $26.4B | $1.7B | ||
| Q2 24 | $26.5B | $1.7B |
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 | — | $174.1M |
| 自由现金流经营现金流 - 资本支出 | — | $173.9M |
| 自由现金流率自由现金流/营收 | — | 34.0% |
| 资本支出强度资本支出/营收 | — | 0.0% |
| 现金转化率经营现金流/净利润 | — | 1.10× |
| 过去12个月自由现金流最近4个季度 | — | $750.6M |
8季度趋势，按日历期对齐
经营现金流ABCBFICO
| Q1 26 | — | — | ||
| Q4 25 | $390.2M | $174.1M | ||
| Q3 25 | $104.9M | $223.7M | ||
| Q2 25 | $61.4M | $286.2M | ||
| Q1 25 | $116.9M | $74.9M | ||
| Q4 24 | $154.2M | $194.0M | ||
| Q3 24 | $102.2M | $226.5M | ||
| Q2 24 | $-97.1M | $213.3M |
自由现金流ABCBFICO
| Q1 26 | — | — | ||
| Q4 25 | $369.6M | $173.9M | ||
| Q3 25 | $100.5M | $219.5M | ||
| Q2 25 | $53.7M | $284.4M | ||
| Q1 25 | $114.2M | $72.8M | ||
| Q4 24 | $140.7M | $193.2M | ||
| Q3 24 | $99.8M | $224.7M | ||
| Q2 24 | $-100.3M | $211.6M |
自由现金流率ABCBFICO
| Q1 26 | — | — | ||
| Q4 25 | 120.4% | 34.0% | ||
| Q3 25 | 32.0% | 42.6% | ||
| Q2 25 | 17.9% | 53.0% | ||
| Q1 25 | 39.9% | 14.6% | ||
| Q4 24 | 48.4% | 43.9% | ||
| Q3 24 | 35.2% | 49.5% | ||
| Q2 24 | -33.4% | 47.2% |
资本支出强度ABCBFICO
| Q1 26 | — | — | ||
| Q4 25 | 6.7% | 0.0% | ||
| Q3 25 | 1.4% | 0.8% | ||
| Q2 25 | 2.5% | 0.3% | ||
| Q1 25 | 0.9% | 0.4% | ||
| Q4 24 | 4.6% | 0.2% | ||
| Q3 24 | 0.8% | 0.4% | ||
| Q2 24 | 1.1% | 0.4% |
现金转化率ABCBFICO
| Q1 26 | — | — | ||
| Q4 25 | 3.60× | 1.10× | ||
| Q3 25 | 0.99× | 1.44× | ||
| Q2 25 | 0.56× | 1.57× | ||
| Q1 25 | 1.33× | 0.46× | ||
| Q4 24 | 1.63× | 1.27× | ||
| Q3 24 | 1.03× | 1.67× | ||
| Q2 24 | -1.07× | 1.69× |
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
FICO
| Business To Business Scores | $248.6M | 49% |
| Saa S Products | $115.7M | 23% |
| Platform Software | $73.9M | 14% |
| Business To Consumer Scores | $55.9M | 11% |
| Technology Service | $19.2M | 4% |
