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Ameris Bancorp（ABCB）与NERDWALLET, INC.（NRDS）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NERDWALLET, INC.的1.4倍（$314.4M vs $225.4M），Ameris Bancorp净利率更高（35.1% vs 6.2%，领先28.9%），NERDWALLET, INC.同比增速更快（22.6% vs 10.0%），过去两年NERDWALLET, INC.的营收复合增速更高（18.0% 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。
NERDWALLET是一家美国个人金融服务企业，由陈Tim与雅各布·吉布森于2009年创立。该企业运营网站与移动应用，通过向用户推广各类金融产品实现盈利，为用户提供个人理财相关的信息参考与服务支持。
ABCB vs NRDS — 直观对比
营收规模更大
ABCB
是对方的1.4倍
$225.4M
营收增速更快
NRDS
高出12.7%
10.0%
净利率更高
ABCB
高出28.9%
6.2%
两年增速更快
NRDS
近两年复合增速
2.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $314.4M | $225.4M |
| 净利润 | $110.5M | $14.0M |
| 毛利率 | — | 94.0% |
| 营业利润率 | — | 8.6% |
| 净利率 | 35.1% | 6.2% |
| 营收同比 | 10.0% | 22.6% |
| 净利润同比 | 2.0% | -63.7% |
| 每股收益（稀释后） | $1.63 | $0.19 |
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ABCBNRDS
| Q1 26 | $314.4M | — | ||
| Q4 25 | $307.1M | $225.4M | ||
| Q3 25 | $314.2M | $215.1M | ||
| Q2 25 | $300.7M | $186.9M | ||
| Q1 25 | $285.9M | $209.2M | ||
| Q4 24 | $290.8M | $183.8M | ||
| Q3 24 | $283.8M | $191.3M | ||
| Q2 24 | $300.6M | $150.6M |
净利润ABCBNRDS
| Q1 26 | $110.5M | — | ||
| Q4 25 | $108.4M | $14.0M | ||
| Q3 25 | $106.0M | $26.3M | ||
| Q2 25 | $109.8M | $8.2M | ||
| Q1 25 | $87.9M | $200.0K | ||
| Q4 24 | $94.4M | $38.6M | ||
| Q3 24 | $99.2M | $100.0K | ||
| Q2 24 | $90.8M | $-9.4M |
毛利率ABCBNRDS
| Q1 26 | — | — | ||
| Q4 25 | — | 94.0% | ||
| Q3 25 | — | 92.9% | ||
| Q2 25 | — | 91.1% | ||
| Q1 25 | — | 91.3% | ||
| Q4 24 | — | 90.9% | ||
| Q3 24 | — | 90.7% | ||
| Q2 24 | — | 90.1% |
营业利润率ABCBNRDS
| Q1 26 | — | — | ||
| Q4 25 | 45.9% | 8.6% | ||
| Q3 25 | 43.6% | 16.0% | ||
| Q2 25 | 47.4% | 5.7% | ||
| Q1 25 | 39.5% | 0.3% | ||
| Q4 24 | 43.3% | 4.7% | ||
| Q3 24 | 44.4% | 3.5% | ||
| Q2 24 | 42.1% | -6.4% |
净利率ABCBNRDS
| Q1 26 | 35.1% | — | ||
| Q4 25 | 44.2% | 6.2% | ||
| Q3 25 | 33.7% | 12.2% | ||
| Q2 25 | 36.5% | 4.4% | ||
| Q1 25 | 30.8% | 0.1% | ||
| Q4 24 | 42.5% | 21.0% | ||
| Q3 24 | 35.0% | 0.1% | ||
| Q2 24 | 30.2% | -6.2% |
每股收益（稀释后）ABCBNRDS
| Q1 26 | $1.63 | — | ||
| Q4 25 | $1.59 | $0.19 | ||
| Q3 25 | $1.54 | $0.34 | ||
| Q2 25 | $1.60 | $0.11 | ||
| Q1 25 | $1.27 | $0.00 | ||
| Q4 24 | $1.35 | $0.49 | ||
| Q3 24 | $1.44 | $0.00 | ||
| Q2 24 | $1.32 | $-0.12 |
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 | — | $98.3M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $4.1B | $374.5M |
| 总资产 | $28.1B | $461.1M |
| 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ABCBNRDS
| Q1 26 | — | — | ||
| Q4 25 | — | $98.3M | ||
| Q3 25 | — | $120.6M | ||
| Q2 25 | — | $105.3M | ||
| Q1 25 | — | $92.2M | ||
| Q4 24 | — | $66.3M | ||
| Q3 24 | — | $71.7M | ||
| Q2 24 | — | $113.8M |
股东权益ABCBNRDS
| Q1 26 | $4.1B | — | ||
| Q4 25 | $4.1B | $374.5M | ||
| Q3 25 | $4.0B | $402.4M | ||
| Q2 25 | $3.9B | $390.0M | ||
| Q1 25 | $3.8B | $371.6M | ||
| Q4 24 | $3.8B | $364.2M | ||
| Q3 24 | $3.7B | $322.4M | ||
| Q2 24 | $3.6B | $379.4M |
总资产ABCBNRDS
| Q1 26 | $28.1B | — | ||
| Q4 25 | $27.5B | $461.1M | ||
| Q3 25 | $27.1B | $492.8M | ||
| Q2 25 | $26.7B | $476.0M | ||
| Q1 25 | $26.5B | $475.0M | ||
| Q4 24 | $26.3B | $437.6M | ||
| Q3 24 | $26.4B | $402.4M | ||
| Q2 24 | $26.5B | $446.2M |
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 | — | $38.9M |
| 自由现金流经营现金流 - 资本支出 | — | $38.6M |
| 自由现金流率自由现金流/营收 | — | 17.1% |
| 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 | — | 2.78× |
| 过去12个月自由现金流最近4个季度 | — | $130.3M |
8季度趋势，按日历期对齐
经营现金流ABCBNRDS
| Q1 26 | — | — | ||
| Q4 25 | $390.2M | $38.9M | ||
| Q3 25 | $104.9M | $48.5M | ||
| Q2 25 | $61.4M | $17.5M | ||
| Q1 25 | $116.9M | $26.7M | ||
| Q4 24 | $154.2M | $9.9M | ||
| Q3 24 | $102.2M | $29.0M | ||
| Q2 24 | $-97.1M | $10.2M |
自由现金流ABCBNRDS
| Q1 26 | — | — | ||
| Q4 25 | $369.6M | $38.6M | ||
| Q3 25 | $100.5M | $48.4M | ||
| Q2 25 | $53.7M | $16.8M | ||
| Q1 25 | $114.2M | $26.5M | ||
| Q4 24 | $140.7M | $9.7M | ||
| Q3 24 | $99.8M | $28.9M | ||
| Q2 24 | $-100.3M | $9.9M |
自由现金流率ABCBNRDS
| Q1 26 | — | — | ||
| Q4 25 | 120.4% | 17.1% | ||
| Q3 25 | 32.0% | 22.5% | ||
| Q2 25 | 17.9% | 9.0% | ||
| Q1 25 | 39.9% | 12.7% | ||
| Q4 24 | 48.4% | 5.3% | ||
| Q3 24 | 35.2% | 15.1% | ||
| Q2 24 | -33.4% | 6.6% |
资本支出强度ABCBNRDS
| Q1 26 | — | — | ||
| Q4 25 | 6.7% | 0.1% | ||
| Q3 25 | 1.4% | 0.0% | ||
| Q2 25 | 2.5% | 0.4% | ||
| Q1 25 | 0.9% | 0.1% | ||
| Q4 24 | 4.6% | 0.1% | ||
| Q3 24 | 0.8% | 0.1% | ||
| Q2 24 | 1.1% | 0.2% |
现金转化率ABCBNRDS
| Q1 26 | — | — | ||
| Q4 25 | 3.60× | 2.78× | ||
| Q3 25 | 0.99× | 1.84× | ||
| Q2 25 | 0.56× | 2.13× | ||
| Q1 25 | 1.33× | 133.50× | ||
| Q4 24 | 1.63× | 0.26× | ||
| Q3 24 | 1.03× | 290.00× | ||
| 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
NRDS
| Insurance | $81.2M | 36% |
| Emerging Verticals | $52.9M | 23% |
| Loans | $42.3M | 19% |
| Credit Card | $26.5M | 12% |
| SMB Products | $22.5M | 10% |
