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Ameris Bancorp（ABCB）与IDT CORP（IDT）财务数据对比。点击上方公司名可切换其他公司
IDT CORP的季度营收约是Ameris Bancorp的1.0倍（$322.8M vs $314.4M），Ameris Bancorp净利率更高（35.1% vs 6.9%，领先28.2%），Ameris Bancorp同比增速更快（10.0% vs 4.3%），过去两年IDT CORP的营收复合增速更高（4.4% 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。
IDT集团是一家跨国企业，总部位于美国新泽西州纽瓦克市，主营云通信、统一通信、销售点系统业务，同时为特定客户提供金融外汇服务，旗下拥有面向企业与消费者的多条业务线，知名产品包括Boss Revolution预付费电话卡。
ABCB vs IDT — 直观对比
营收规模更大
IDT
是对方的1.0倍
$314.4M
营收增速更快
ABCB
高出5.7%
4.3%
净利率更高
ABCB
高出28.2%
6.9%
两年增速更快
IDT
近两年复合增速
2.3%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $314.4M | $322.8M |
| 净利润 | $110.5M | $22.4M |
| 毛利率 | — | 36.6% |
| 营业利润率 | — | 9.6% |
| 净利率 | 35.1% | 6.9% |
| 营收同比 | 10.0% | 4.3% |
| 净利润同比 | 2.0% | 29.6% |
| 每股收益（稀释后） | $1.63 | $0.89 |
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ABCBIDT
| Q1 26 | $314.4M | — | ||
| Q4 25 | $307.1M | $322.8M | ||
| Q3 25 | $314.2M | $316.6M | ||
| Q2 25 | $300.7M | $302.0M | ||
| Q1 25 | $285.9M | $303.3M | ||
| Q4 24 | $290.8M | $309.6M | ||
| Q3 24 | $283.8M | $308.8M | ||
| Q2 24 | $300.6M | $299.6M |
净利润ABCBIDT
| Q1 26 | $110.5M | — | ||
| Q4 25 | $108.4M | $22.4M | ||
| Q3 25 | $106.0M | $16.9M | ||
| Q2 25 | $109.8M | $21.7M | ||
| Q1 25 | $87.9M | $20.3M | ||
| Q4 24 | $94.4M | $17.2M | ||
| Q3 24 | $99.2M | $36.8M | ||
| Q2 24 | $90.8M | $5.6M |
毛利率ABCBIDT
| Q1 26 | — | — | ||
| Q4 25 | — | 36.6% | ||
| Q3 25 | — | 36.2% | ||
| Q2 25 | — | 37.1% | ||
| Q1 25 | — | 37.0% | ||
| Q4 24 | — | 34.8% | ||
| Q3 24 | — | 33.1% | ||
| Q2 24 | — | 32.4% |
营业利润率ABCBIDT
| Q1 26 | — | — | ||
| Q4 25 | 45.9% | 9.6% | ||
| Q3 25 | 43.6% | 6.9% | ||
| Q2 25 | 47.4% | 8.8% | ||
| Q1 25 | 39.5% | 9.3% | ||
| Q4 24 | 43.3% | 7.6% | ||
| Q3 24 | 44.4% | 6.5% | ||
| Q2 24 | 42.1% | 3.8% |
净利率ABCBIDT
| Q1 26 | 35.1% | — | ||
| Q4 25 | 44.2% | 6.9% | ||
| Q3 25 | 33.7% | 5.3% | ||
| Q2 25 | 36.5% | 7.2% | ||
| Q1 25 | 30.8% | 6.7% | ||
| Q4 24 | 42.5% | 5.6% | ||
| Q3 24 | 35.0% | 11.9% | ||
| Q2 24 | 30.2% | 1.9% |
每股收益（稀释后）ABCBIDT
| Q1 26 | $1.63 | — | ||
| Q4 25 | $1.59 | $0.89 | ||
| Q3 25 | $1.54 | $0.67 | ||
| Q2 25 | $1.60 | $0.86 | ||
| Q1 25 | $1.27 | $0.80 | ||
| Q4 24 | $1.35 | $0.68 | ||
| Q3 24 | $1.44 | $1.45 | ||
| Q2 24 | $1.32 | $0.22 |
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 | — | $189.3M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $4.1B | $320.7M |
| 总资产 | $28.1B | $654.9M |
| 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ABCBIDT
| Q1 26 | — | — | ||
| Q4 25 | — | $189.3M | ||
| Q3 25 | — | $226.5M | ||
| Q2 25 | — | $199.9M | ||
| Q1 25 | — | $142.2M | ||
| Q4 24 | — | $148.0M | ||
| Q3 24 | — | $164.6M | ||
| Q2 24 | — | $139.8M |
股东权益ABCBIDT
| Q1 26 | $4.1B | — | ||
| Q4 25 | $4.1B | $320.7M | ||
| Q3 25 | $4.0B | $305.1M | ||
| Q2 25 | $3.9B | $286.2M | ||
| Q1 25 | $3.8B | $271.6M | ||
| Q4 24 | $3.8B | $260.6M | ||
| Q3 24 | $3.7B | $246.2M | ||
| Q2 24 | $3.6B | $214.5M |
总资产ABCBIDT
| Q1 26 | $28.1B | — | ||
| Q4 25 | $27.5B | $654.9M | ||
| Q3 25 | $27.1B | $626.2M | ||
| Q2 25 | $26.7B | $600.9M | ||
| Q1 25 | $26.5B | $575.7M | ||
| Q4 24 | $26.3B | $554.6M | ||
| Q3 24 | $26.4B | $550.1M | ||
| Q2 24 | $26.5B | $517.3M |
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 | — | $-10.1M |
| 自由现金流经营现金流 - 资本支出 | — | $-16.0M |
| 自由现金流率自由现金流/营收 | — | -4.9% |
| 资本支出强度资本支出/营收 | — | 1.8% |
| 现金转化率经营现金流/净利润 | — | -0.45× |
| 过去12个月自由现金流最近4个季度 | — | $95.4M |
8季度趋势，按日历期对齐
经营现金流ABCBIDT
| Q1 26 | — | — | ||
| Q4 25 | $390.2M | $-10.1M | ||
| Q3 25 | $104.9M | $31.0M | ||
| Q2 25 | $61.4M | $75.7M | ||
| Q1 25 | $116.9M | $20.2M | ||
| Q4 24 | $154.2M | $164.0K | ||
| Q3 24 | $102.2M | $25.4M | ||
| Q2 24 | $-97.1M | $9.5M |
自由现金流ABCBIDT
| Q1 26 | — | — | ||
| Q4 25 | $369.6M | $-16.0M | ||
| Q3 25 | $100.5M | $25.7M | ||
| Q2 25 | $53.7M | $70.3M | ||
| Q1 25 | $114.2M | $15.3M | ||
| Q4 24 | $140.7M | $-5.1M | ||
| Q3 24 | $99.8M | $20.1M | ||
| Q2 24 | $-100.3M | $4.7M |
自由现金流率ABCBIDT
| Q1 26 | — | — | ||
| Q4 25 | 120.4% | -4.9% | ||
| Q3 25 | 32.0% | 8.1% | ||
| Q2 25 | 17.9% | 23.3% | ||
| Q1 25 | 39.9% | 5.1% | ||
| Q4 24 | 48.4% | -1.7% | ||
| Q3 24 | 35.2% | 6.5% | ||
| Q2 24 | -33.4% | 1.6% |
资本支出强度ABCBIDT
| Q1 26 | — | — | ||
| Q4 25 | 6.7% | 1.8% | ||
| Q3 25 | 1.4% | 1.7% | ||
| Q2 25 | 2.5% | 1.8% | ||
| Q1 25 | 0.9% | 1.6% | ||
| Q4 24 | 4.6% | 1.7% | ||
| Q3 24 | 0.8% | 1.7% | ||
| Q2 24 | 1.1% | 1.6% |
现金转化率ABCBIDT
| Q1 26 | — | — | ||
| Q4 25 | 3.60× | -0.45× | ||
| Q3 25 | 0.99× | 1.84× | ||
| Q2 25 | 0.56× | 3.49× | ||
| Q1 25 | 1.33× | 0.99× | ||
| Q4 24 | 1.63× | 0.01× | ||
| Q3 24 | 1.03× | 0.69× | ||
| Q2 24 | -1.07× | 1.71× |
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
IDT
| IDT Digital Payments | $104.4M | 32% |
| IDT Global | $60.2M | 19% |
| BOSS Revolution | $45.7M | 14% |
| National Retail Solutions | $39.3M | 12% |
| BOSS Revolution Money Transfer | $36.3M | 11% |
| Net2phone | $23.9M | 7% |
| Other | $8.0M | 2% |
