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Ameris Bancorp（ABCB）与H2O AMERICA（HTO）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H2O AMERICA的1.6倍（$314.4M vs $199.4M），Ameris Bancorp净利率更高（35.1% vs 8.1%，领先27.0%），Ameris Bancorp同比增速更快（10.0% vs 1.5%），过去两年H2O AMERICA的营收复合增速更高（15.3% 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。
H2O Wireless是美国的预付费移动通信服务商，依托AT&T网络运营，隶属于MVNO（移动虚拟网络运营商）Locus通信，自2019年起Locus成为Telrite控股的子公司，此前2010年起曾是KDDI美国旗下资产。该品牌主打无限制套餐服务，支持用户自带或购买无锁智能手机入网，AT&T合约机/锁网机也可兼容使用。
ABCB vs HTO — 直观对比
营收规模更大
ABCB
是对方的1.6倍
$199.4M
营收增速更快
ABCB
高出8.5%
1.5%
净利率更高
ABCB
高出27.0%
8.1%
两年增速更快
HTO
近两年复合增速
2.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $314.4M | $199.4M |
| 净利润 | $110.5M | $16.2M |
| 毛利率 | — | — |
| 营业利润率 | — | 16.6% |
| 净利率 | 35.1% | 8.1% |
| 营收同比 | 10.0% | 1.5% |
| 净利润同比 | — | -29.2% |
| 每股收益（稀释后） | $1.63 | $0.45 |
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ABCBHTO
| Q1 26 | $314.4M | — | ||
| Q4 25 | $307.1M | $199.4M | ||
| Q3 25 | $314.2M | $243.5M | ||
| Q2 25 | $300.7M | $197.8M | ||
| Q1 25 | $285.9M | $164.9M | ||
| Q4 24 | $290.8M | $196.5M | ||
| Q3 24 | $283.8M | $216.7M | ||
| Q2 24 | $300.6M | $173.1M |
净利润ABCBHTO
| Q1 26 | $110.5M | — | ||
| Q4 25 | $108.4M | $16.2M | ||
| Q3 25 | $106.0M | $45.1M | ||
| Q2 25 | $109.8M | $24.7M | ||
| Q1 25 | $87.9M | $16.6M | ||
| Q4 24 | $94.4M | $22.9M | ||
| Q3 24 | $99.2M | $38.7M | ||
| Q2 24 | $90.8M | $20.7M |
营业利润率ABCBHTO
| Q1 26 | — | — | ||
| Q4 25 | 45.9% | 16.6% | ||
| Q3 25 | 43.6% | 26.5% | ||
| Q2 25 | 47.4% | 22.2% | ||
| Q1 25 | 39.5% | 21.8% | ||
| Q4 24 | 43.3% | 22.2% | ||
| Q3 24 | 44.4% | 26.9% | ||
| Q2 24 | 42.1% | 23.4% |
净利率ABCBHTO
| Q1 26 | 35.1% | — | ||
| Q4 25 | 44.2% | 8.1% | ||
| Q3 25 | 33.7% | 18.5% | ||
| Q2 25 | 36.5% | 12.5% | ||
| Q1 25 | 30.8% | 10.0% | ||
| Q4 24 | 42.5% | 11.7% | ||
| Q3 24 | 35.0% | 17.8% | ||
| Q2 24 | 30.2% | 12.0% |
每股收益（稀释后）ABCBHTO
| Q1 26 | $1.63 | — | ||
| Q4 25 | $1.59 | $0.45 | ||
| Q3 25 | $1.54 | $1.27 | ||
| Q2 25 | $1.60 | $0.71 | ||
| Q1 25 | $1.27 | $0.49 | ||
| Q4 24 | $1.35 | $0.70 | ||
| Q3 24 | $1.44 | $1.17 | ||
| Q2 24 | $1.32 | $0.64 |
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 | — | $20.7M |
| 总债务越低越好 | — | $1.9B |
| 股东权益账面价值 | $4.1B | $1.5B |
| 总资产 | $28.1B | $5.1B |
| 负债/权益比越低杠杆越低 | — | 1.23× |
8季度趋势，按日历期对齐
现金及短期投资ABCBHTO
| Q1 26 | — | — | ||
| Q4 25 | — | $20.7M | ||
| Q3 25 | — | $11.3M | ||
| Q2 25 | — | $19.8M | ||
| Q1 25 | — | $23.7M | ||
| Q4 24 | — | $11.1M | ||
| Q3 24 | — | $4.0M | ||
| Q2 24 | — | $22.8M |
总债务ABCBHTO
| Q1 26 | — | — | ||
| Q4 25 | — | $1.9B | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $1.7B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益ABCBHTO
| Q1 26 | $4.1B | — | ||
| Q4 25 | $4.1B | $1.5B | ||
| Q3 25 | $4.0B | $1.5B | ||
| Q2 25 | $3.9B | $1.5B | ||
| Q1 25 | $3.8B | $1.4B | ||
| Q4 24 | $3.8B | $1.4B | ||
| Q3 24 | $3.7B | $1.3B | ||
| Q2 24 | $3.6B | $1.3B |
总资产ABCBHTO
| Q1 26 | $28.1B | — | ||
| Q4 25 | $27.5B | $5.1B | ||
| Q3 25 | $27.1B | $5.0B | ||
| Q2 25 | $26.7B | $4.8B | ||
| Q1 25 | $26.5B | $4.7B | ||
| Q4 24 | $26.3B | $4.7B | ||
| Q3 24 | $26.4B | $4.6B | ||
| Q2 24 | $26.5B | $4.4B |
负债/权益比ABCBHTO
| Q1 26 | — | — | ||
| Q4 25 | — | 1.23× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.26× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | — | $63.5M |
| 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 | — | 3.92× |
| 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ABCBHTO
| Q1 26 | — | — | ||
| Q4 25 | $390.2M | $63.5M | ||
| Q3 25 | $104.9M | $77.3M | ||
| Q2 25 | $61.4M | $60.8M | ||
| Q1 25 | $116.9M | $43.2M | ||
| Q4 24 | $154.2M | $41.5M | ||
| Q3 24 | $102.2M | $53.5M | ||
| Q2 24 | $-97.1M | $49.3M |
自由现金流ABCBHTO
| 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ABCBHTO
| 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ABCBHTO
| 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ABCBHTO
| Q1 26 | — | — | ||
| Q4 25 | 3.60× | 3.92× | ||
| Q3 25 | 0.99× | 1.71× | ||
| Q2 25 | 0.56× | 2.47× | ||
| Q1 25 | 1.33× | 2.61× | ||
| Q4 24 | 1.63× | 1.81× | ||
| Q3 24 | 1.03× | 1.39× | ||
| Q2 24 | -1.07× | 2.38× |
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
HTO
| Water Utility Services | $191.0M | 96% |
| Other | $8.4M | 4% |
