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Ameris Bancorp（ABCB）与Stitch Fix, Inc.（SFIX）财务数据对比。点击上方公司名可切换其他公司
Stitch Fix, Inc.的季度营收约是Ameris Bancorp的1.1倍（$342.1M vs $314.4M），Ameris Bancorp净利率更高（35.1% vs -1.9%，领先37.0%），Ameris Bancorp同比增速更快（10.0% vs 7.3%），过去两年Ameris Bancorp的营收复合增速更高（2.3% vs 1.8%）
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。
Stitch Fix是美国的在线个人造型服务平台，依托推荐算法与数据科学技术，根据顾客的身形尺寸、预算和风格偏好推送个性化服饰单品。该公司创立于2011年，2017年完成首次公开募股，目前总部位于旧金山。
ABCB vs SFIX — 直观对比
营收规模更大
SFIX
是对方的1.1倍
$314.4M
营收增速更快
ABCB
高出2.7%
7.3%
净利率更高
ABCB
高出37.0%
-1.9%
两年增速更快
ABCB
近两年复合增速
1.8%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $314.4M | $342.1M |
| 净利润 | $110.5M | $-6.4M |
| 毛利率 | — | 43.6% |
| 营业利润率 | — | -2.5% |
| 净利率 | 35.1% | -1.9% |
| 营收同比 | 10.0% | 7.3% |
| 净利润同比 | — | -1.7% |
| 每股收益（稀释后） | $1.63 | $-0.05 |
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ABCBSFIX
| Q1 26 | $314.4M | — | ||
| Q4 25 | $307.1M | $342.1M | ||
| Q3 25 | $314.2M | $311.2M | ||
| Q2 25 | $300.7M | $325.0M | ||
| Q1 25 | $285.9M | $312.1M | ||
| Q4 24 | $290.8M | $318.8M | ||
| Q3 24 | $283.8M | $319.6M | ||
| Q2 24 | $300.6M | $322.7M |
净利润ABCBSFIX
| Q1 26 | $110.5M | — | ||
| Q4 25 | $108.4M | $-6.4M | ||
| Q3 25 | $106.0M | $-8.6M | ||
| Q2 25 | $109.8M | $-7.4M | ||
| Q1 25 | $87.9M | $-6.5M | ||
| Q4 24 | $94.4M | $-6.3M | ||
| Q3 24 | $99.2M | $-36.5M | ||
| Q2 24 | $90.8M | $-21.3M |
毛利率ABCBSFIX
| Q1 26 | — | — | ||
| Q4 25 | — | 43.6% | ||
| Q3 25 | — | 43.6% | ||
| Q2 25 | — | 44.2% | ||
| Q1 25 | — | 44.5% | ||
| Q4 24 | — | 45.4% | ||
| Q3 24 | — | 44.6% | ||
| Q2 24 | — | 45.5% |
营业利润率ABCBSFIX
| Q1 26 | — | — | ||
| Q4 25 | 45.9% | -2.5% | ||
| Q3 25 | 43.6% | -3.6% | ||
| Q2 25 | 47.4% | -3.0% | ||
| Q1 25 | 39.5% | -2.9% | ||
| Q4 24 | 43.3% | -2.8% | ||
| Q3 24 | 44.4% | -13.1% | ||
| Q2 24 | 42.1% | -7.7% |
净利率ABCBSFIX
| Q1 26 | 35.1% | — | ||
| Q4 25 | 44.2% | -1.9% | ||
| Q3 25 | 33.7% | -2.8% | ||
| Q2 25 | 36.5% | -2.3% | ||
| Q1 25 | 30.8% | -2.1% | ||
| Q4 24 | 42.5% | -2.0% | ||
| Q3 24 | 35.0% | -11.4% | ||
| Q2 24 | 30.2% | -6.6% |
每股收益（稀释后）ABCBSFIX
| Q1 26 | $1.63 | — | ||
| Q4 25 | $1.59 | $-0.05 | ||
| Q3 25 | $1.54 | $-0.06 | ||
| Q2 25 | $1.60 | $-0.06 | ||
| Q1 25 | $1.27 | $-0.05 | ||
| Q4 24 | $1.35 | $-0.05 | ||
| Q3 24 | $1.44 | $-0.29 | ||
| Q2 24 | $1.32 | $-0.18 |
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 | — | $244.2M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $4.1B | $204.1M |
| 总资产 | $28.1B | $530.7M |
| 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ABCBSFIX
| Q1 26 | — | — | ||
| Q4 25 | — | $244.2M | ||
| Q3 25 | — | $234.9M | ||
| Q2 25 | — | $234.2M | ||
| Q1 25 | — | $219.1M | ||
| Q4 24 | — | $253.3M | ||
| Q3 24 | — | $247.0M | ||
| Q2 24 | — | $244.5M |
股东权益ABCBSFIX
| Q1 26 | $4.1B | — | ||
| Q4 25 | $4.1B | $204.1M | ||
| Q3 25 | $4.0B | $203.0M | ||
| Q2 25 | $3.9B | $200.4M | ||
| Q1 25 | $3.8B | $197.8M | ||
| Q4 24 | $3.8B | $190.5M | ||
| Q3 24 | $3.7B | $187.0M | ||
| Q2 24 | $3.6B | $208.9M |
总资产ABCBSFIX
| Q1 26 | $28.1B | — | ||
| Q4 25 | $27.5B | $530.7M | ||
| Q3 25 | $27.1B | $480.6M | ||
| Q2 25 | $26.7B | $484.7M | ||
| Q1 25 | $26.5B | $472.6M | ||
| Q4 24 | $26.3B | $507.1M | ||
| Q3 24 | $26.4B | $486.9M | ||
| Q2 24 | $26.5B | $537.0M |
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 | — | $10.9M |
| 自由现金流经营现金流 - 资本支出 | — | $5.6M |
| 自由现金流率自由现金流/营收 | — | 1.6% |
| 资本支出强度资本支出/营收 | — | 1.6% |
| 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 | — | $4.9M |
8季度趋势，按日历期对齐
经营现金流ABCBSFIX
| Q1 26 | — | — | ||
| Q4 25 | $390.2M | $10.9M | ||
| Q3 25 | $104.9M | $7.0M | ||
| Q2 25 | $61.4M | $20.5M | ||
| Q1 25 | $116.9M | $-16.2M | ||
| Q4 24 | $154.2M | $14.3M | ||
| Q3 24 | $102.2M | $8.2M | ||
| Q2 24 | $-97.1M | $21.7M |
自由现金流ABCBSFIX
| Q1 26 | — | — | ||
| Q4 25 | $369.6M | $5.6M | ||
| Q3 25 | $100.5M | $2.8M | ||
| Q2 25 | $53.7M | $16.0M | ||
| Q1 25 | $114.2M | $-19.4M | ||
| Q4 24 | $140.7M | $9.9M | ||
| Q3 24 | $99.8M | $4.5M | ||
| Q2 24 | $-100.3M | $18.9M |
自由现金流率ABCBSFIX
| Q1 26 | — | — | ||
| Q4 25 | 120.4% | 1.6% | ||
| Q3 25 | 32.0% | 0.9% | ||
| Q2 25 | 17.9% | 4.9% | ||
| Q1 25 | 39.9% | -6.2% | ||
| Q4 24 | 48.4% | 3.1% | ||
| Q3 24 | 35.2% | 1.4% | ||
| Q2 24 | -33.4% | 5.9% |
资本支出强度ABCBSFIX
| Q1 26 | — | — | ||
| Q4 25 | 6.7% | 1.6% | ||
| Q3 25 | 1.4% | 1.4% | ||
| Q2 25 | 2.5% | 1.4% | ||
| Q1 25 | 0.9% | 1.0% | ||
| Q4 24 | 4.6% | 1.4% | ||
| Q3 24 | 0.8% | 1.2% | ||
| Q2 24 | 1.1% | 0.9% |
现金转化率ABCBSFIX
| 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
