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Ameris Bancorp（ABCB）与化石集团（FOSL）财务数据对比。点击上方公司名可切换其他公司
Ameris Bancorp的季度营收约是化石集团的1.2倍（$314.4M vs $270.2M），Ameris Bancorp净利率更高（35.1% vs -14.8%，领先50.0%），Ameris Bancorp同比增速更快（10.0% vs -21.1%），过去两年Ameris Bancorp的营收复合增速更高（2.3% vs -11.4%）
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。
化石集团是1984年成立的美国时尚设计制造企业，总部位于得克萨斯州理查森。集团旗下拥有Fossil、Relic、Michele Watch、Skagen、Zodiac Watches等多个品牌，同时也为宝马、彪马、阿玛尼、迈克高仕、DKNY等多个知名品牌代工生产授权配饰。
ABCB vs FOSL — 直观对比
营收规模更大
ABCB
是对方的1.2倍
$270.2M
营收增速更快
ABCB
高出31.0%
-21.1%
净利率更高
ABCB
高出50.0%
-14.8%
两年增速更快
ABCB
近两年复合增速
-11.4%
损益表 — Q1 FY2026 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $314.4M | $270.2M |
| 净利润 | $110.5M | $-40.0M |
| 毛利率 | — | 49.0% |
| 营业利润率 | — | -8.0% |
| 净利率 | 35.1% | -14.8% |
| 营收同比 | 10.0% | -21.1% |
| 净利润同比 | — | -257.8% |
| 每股收益（稀释后） | $1.63 | $-0.76 |
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ABCBFOSL
| Q1 26 | $314.4M | — | ||
| Q4 25 | $307.1M | $270.2M | ||
| Q3 25 | $314.2M | $220.4M | ||
| Q2 25 | $300.7M | $233.3M | ||
| Q1 25 | $285.9M | — | ||
| Q4 24 | $290.8M | $342.3M | ||
| Q3 24 | $283.8M | $287.8M | ||
| Q2 24 | $300.6M | $260.0M |
净利润ABCBFOSL
| Q1 26 | $110.5M | — | ||
| Q4 25 | $108.4M | $-40.0M | ||
| Q3 25 | $106.0M | $-2.1M | ||
| Q2 25 | $109.8M | $-17.9M | ||
| Q1 25 | $87.9M | — | ||
| Q4 24 | $94.4M | $-11.2M | ||
| Q3 24 | $99.2M | $-31.9M | ||
| Q2 24 | $90.8M | $-38.8M |
毛利率ABCBFOSL
| Q1 26 | — | — | ||
| Q4 25 | — | 49.0% | ||
| Q3 25 | — | 57.5% | ||
| Q2 25 | — | 61.3% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 53.9% | ||
| Q3 24 | — | 49.4% | ||
| Q2 24 | — | 52.6% |
营业利润率ABCBFOSL
| Q1 26 | — | — | ||
| Q4 25 | 45.9% | -8.0% | ||
| Q3 25 | 43.6% | 3.9% | ||
| Q2 25 | 47.4% | -2.9% | ||
| Q1 25 | 39.5% | — | ||
| Q4 24 | 43.3% | -4.8% | ||
| Q3 24 | 44.4% | -8.5% | ||
| Q2 24 | 42.1% | -13.1% |
净利率ABCBFOSL
| Q1 26 | 35.1% | — | ||
| Q4 25 | 44.2% | -14.8% | ||
| Q3 25 | 33.7% | -1.0% | ||
| Q2 25 | 36.5% | -7.7% | ||
| Q1 25 | 30.8% | — | ||
| Q4 24 | 42.5% | -3.3% | ||
| Q3 24 | 35.0% | -11.1% | ||
| Q2 24 | 30.2% | -14.9% |
每股收益（稀释后）ABCBFOSL
| Q1 26 | $1.63 | — | ||
| Q4 25 | $1.59 | $-0.76 | ||
| Q3 25 | $1.54 | $-0.04 | ||
| Q2 25 | $1.60 | $-0.33 | ||
| Q1 25 | $1.27 | — | ||
| Q4 24 | $1.35 | $-0.15 | ||
| Q3 24 | $1.44 | $-0.60 | ||
| Q2 24 | $1.32 | $-0.73 |
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 | — | $79.2M |
| 总债务越低越好 | — | $169.1M |
| 股东权益账面价值 | $4.1B | $112.6M |
| 总资产 | $28.1B | $701.0M |
| 负债/权益比越低杠杆越低 | — | 1.50× |
8季度趋势，按日历期对齐
现金及短期投资ABCBFOSL
| Q1 26 | — | — | ||
| Q4 25 | — | $79.2M | ||
| Q3 25 | — | $109.9M | ||
| Q2 25 | — | $78.3M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $123.6M | ||
| Q3 24 | — | $106.3M | ||
| Q2 24 | — | $104.9M |
总债务ABCBFOSL
| Q1 26 | — | — | ||
| Q4 25 | — | $169.1M | ||
| Q3 25 | — | $165.6M | ||
| Q2 25 | — | $167.2M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $162.7M | ||
| Q3 24 | — | $173.4M | ||
| Q2 24 | — | $156.5M |
股东权益ABCBFOSL
| Q1 26 | $4.1B | — | ||
| Q4 25 | $4.1B | $112.6M | ||
| Q3 25 | $4.0B | $150.3M | ||
| Q2 25 | $3.9B | $140.6M | ||
| Q1 25 | $3.8B | — | ||
| Q4 24 | $3.8B | $148.7M | ||
| Q3 24 | $3.7B | $164.4M | ||
| Q2 24 | $3.6B | $189.6M |
总资产ABCBFOSL
| Q1 26 | $28.1B | — | ||
| Q4 25 | $27.5B | $701.0M | ||
| Q3 25 | $27.1B | $704.5M | ||
| Q2 25 | $26.7B | $686.0M | ||
| Q1 25 | $26.5B | — | ||
| Q4 24 | $26.3B | $763.6M | ||
| Q3 24 | $26.4B | $812.4M | ||
| Q2 24 | $26.5B | $785.7M |
负债/权益比ABCBFOSL
| Q1 26 | — | — | ||
| Q4 25 | — | 1.50× | ||
| Q3 25 | — | 1.10× | ||
| Q2 25 | — | 1.19× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.09× | ||
| Q3 24 | — | 1.06× | ||
| Q2 24 | — | 0.83× |
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 | — | $-22.2M |
| 自由现金流经营现金流 - 资本支出 | — | $-22.5M |
| 自由现金流率自由现金流/营收 | — | -8.3% |
| 资本支出强度资本支出/营收 | — | 0.1% |
| 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 | — | $-46.0M |
8季度趋势，按日历期对齐
经营现金流ABCBFOSL
| Q1 26 | — | — | ||
| Q4 25 | $390.2M | $-22.2M | ||
| Q3 25 | $104.9M | $9.4M | ||
| Q2 25 | $61.4M | $-60.4M | ||
| Q1 25 | $116.9M | — | ||
| Q4 24 | $154.2M | $30.5M | ||
| Q3 24 | $102.2M | $-22.8M | ||
| Q2 24 | $-97.1M | $38.4M |
自由现金流ABCBFOSL
| Q1 26 | — | — | ||
| Q4 25 | $369.6M | $-22.5M | ||
| Q3 25 | $100.5M | $8.6M | ||
| Q2 25 | $53.7M | $-60.6M | ||
| Q1 25 | $114.2M | — | ||
| Q4 24 | $140.7M | $28.5M | ||
| Q3 24 | $99.8M | $-24.1M | ||
| Q2 24 | $-100.3M | $36.6M |
自由现金流率ABCBFOSL
| Q1 26 | — | — | ||
| Q4 25 | 120.4% | -8.3% | ||
| Q3 25 | 32.0% | 3.9% | ||
| Q2 25 | 17.9% | -26.0% | ||
| Q1 25 | 39.9% | — | ||
| Q4 24 | 48.4% | 8.3% | ||
| Q3 24 | 35.2% | -8.4% | ||
| Q2 24 | -33.4% | 14.1% |
资本支出强度ABCBFOSL
| Q1 26 | — | — | ||
| Q4 25 | 6.7% | 0.1% | ||
| Q3 25 | 1.4% | 0.4% | ||
| Q2 25 | 2.5% | 0.1% | ||
| Q1 25 | 0.9% | — | ||
| Q4 24 | 4.6% | 0.6% | ||
| Q3 24 | 0.8% | 0.4% | ||
| Q2 24 | 1.1% | 0.7% |
现金转化率ABCBFOSL
| Q1 26 | — | — | ||
| Q4 25 | 3.60× | — | ||
| Q3 25 | 0.99× | — | ||
| Q2 25 | 0.56× | — | ||
| Q1 25 | 1.33× | — | ||
| Q4 24 | 1.63× | — | ||
| Q3 24 | 1.03× | — | ||
| Q2 24 | -1.07× | — |
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
FOSL
| Transferred At Point In Time | $109.7M | 41% |
| Traditional Watches | $91.3M | 34% |
| Other | $50.8M | 19% |
| Leathers | $9.5M | 4% |
| Jewelry | $4.0M | 1% |
| Smartwatches | $3.3M | 1% |
| Products Other | $1.6M | 1% |
