vs
Ameris Bancorp（ABCB）与Tyler Technologies（TYL）财务数据对比。点击上方公司名可切换其他公司
Tyler Technologies的季度营收约是Ameris Bancorp的2.0倍（$613.5M vs $314.4M），Ameris Bancorp净利率更高（35.1% vs 13.2%，领先21.9%），Ameris Bancorp同比增速更快（10.0% vs 8.6%），过去两年Tyler Technologies的营收复合增速更高（6.5% 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。
Tyler Technologies, Inc.是总部位于美国得克萨斯州普莱诺的科技企业，主营面向美国公共部门提供自研专有软件，目前在全美17个州设有办事处，另在加拿大安大略省多伦多市设有一处办公网点。
ABCB vs TYL — 直观对比
营收规模更大
TYL
是对方的2.0倍
$314.4M
营收增速更快
ABCB
高出1.4%
8.6%
净利率更高
ABCB
高出21.9%
13.2%
两年增速更快
TYL
近两年复合增速
2.3%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $314.4M | $613.5M |
| 净利润 | $110.5M | $81.2M |
| 毛利率 | — | 48.3% |
| 营业利润率 | — | 16.3% |
| 净利率 | 35.1% | 13.2% |
| 营收同比 | 10.0% | 8.6% |
| 净利润同比 | — | — |
| 每股收益（稀释后） | $1.63 | $1.88 |
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ABCBTYL
| Q1 26 | $314.4M | $613.5M | ||
| Q4 25 | $307.1M | $575.2M | ||
| Q3 25 | $314.2M | $595.9M | ||
| Q2 25 | $300.7M | $596.1M | ||
| Q1 25 | $285.9M | $565.2M | ||
| Q4 24 | $290.8M | $541.1M | ||
| Q3 24 | $283.8M | $543.3M | ||
| Q2 24 | $300.6M | $541.0M |
净利润ABCBTYL
| Q1 26 | $110.5M | $81.2M | ||
| Q4 25 | $108.4M | $65.5M | ||
| Q3 25 | $106.0M | $84.4M | ||
| Q2 25 | $109.8M | $84.6M | ||
| Q1 25 | $87.9M | $81.1M | ||
| Q4 24 | $94.4M | $65.2M | ||
| Q3 24 | $99.2M | $75.9M | ||
| Q2 24 | $90.8M | $67.7M |
毛利率ABCBTYL
| Q1 26 | — | 48.3% | ||
| Q4 25 | — | 45.5% | ||
| Q3 25 | — | 47.2% | ||
| Q2 25 | — | 45.8% | ||
| Q1 25 | — | 47.3% | ||
| Q4 24 | — | 43.8% | ||
| Q3 24 | — | 43.7% | ||
| Q2 24 | — | 44.0% |
营业利润率ABCBTYL
| Q1 26 | — | 16.3% | ||
| Q4 25 | 45.9% | 13.0% | ||
| Q3 25 | 43.6% | 16.4% | ||
| Q2 25 | 47.4% | 16.0% | ||
| Q1 25 | 39.5% | 15.8% | ||
| Q4 24 | 43.3% | 13.2% | ||
| Q3 24 | 44.4% | 15.2% | ||
| Q2 24 | 42.1% | 14.4% |
净利率ABCBTYL
| Q1 26 | 35.1% | 13.2% | ||
| Q4 25 | 44.2% | 11.4% | ||
| Q3 25 | 33.7% | 14.2% | ||
| Q2 25 | 36.5% | 14.2% | ||
| Q1 25 | 30.8% | 14.3% | ||
| Q4 24 | 42.5% | 12.1% | ||
| Q3 24 | 35.0% | 14.0% | ||
| Q2 24 | 30.2% | 12.5% |
每股收益（稀释后）ABCBTYL
| Q1 26 | $1.63 | $1.88 | ||
| Q4 25 | $1.59 | $1.50 | ||
| Q3 25 | $1.54 | $1.93 | ||
| Q2 25 | $1.60 | $1.93 | ||
| Q1 25 | $1.27 | $1.84 | ||
| Q4 24 | $1.35 | $1.48 | ||
| Q3 24 | $1.44 | $1.74 | ||
| Q2 24 | $1.32 | $1.57 |
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 | — | $346.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $4.1B | $3.6B |
| 总资产 | $28.1B | $4.8B |
| 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ABCBTYL
| Q1 26 | — | $346.4M | ||
| Q4 25 | — | $1.1B | ||
| Q3 25 | — | $950.8M | ||
| Q2 25 | — | $892.3M | ||
| Q1 25 | — | $807.4M | ||
| Q4 24 | — | $768.0M | ||
| Q3 24 | — | $544.3M | ||
| Q2 24 | — | $258.0M |
总债务ABCBTYL
| Q1 26 | — | — | ||
| Q4 25 | — | $599.7M | ||
| Q3 25 | — | $599.2M | ||
| Q2 25 | — | $598.8M | ||
| Q1 25 | — | $598.4M | ||
| Q4 24 | — | $597.9M | ||
| Q3 24 | — | $597.5M | ||
| Q2 24 | — | $597.1M |
股东权益ABCBTYL
| Q1 26 | $4.1B | $3.6B | ||
| Q4 25 | $4.1B | $3.7B | ||
| Q3 25 | $4.0B | $3.6B | ||
| Q2 25 | $3.9B | $3.6B | ||
| Q1 25 | $3.8B | $3.5B | ||
| Q4 24 | $3.8B | $3.4B | ||
| Q3 24 | $3.7B | $3.3B | ||
| Q2 24 | $3.6B | $3.1B |
总资产ABCBTYL
| Q1 26 | $28.1B | $4.8B | ||
| Q4 25 | $27.5B | $5.6B | ||
| Q3 25 | $27.1B | $5.5B | ||
| Q2 25 | $26.7B | $5.4B | ||
| Q1 25 | $26.5B | $5.2B | ||
| Q4 24 | $26.3B | $5.2B | ||
| Q3 24 | $26.4B | $5.0B | ||
| Q2 24 | $26.5B | $4.8B |
负债/权益比ABCBTYL
| Q1 26 | — | — | ||
| Q4 25 | — | 0.16× | ||
| Q3 25 | — | 0.17× | ||
| Q2 25 | — | 0.16× | ||
| Q1 25 | — | 0.17× | ||
| Q4 24 | — | 0.18× | ||
| Q3 24 | — | 0.18× | ||
| Q2 24 | — | 0.19× |
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 | — | $107.3M |
| 自由现金流经营现金流 - 资本支出 | — | $2.0M |
| 自由现金流率自由现金流/营收 | — | 0.3% |
| 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 | — | 1.32× |
| 过去12个月自由现金流最近4个季度 | — | $585.7M |
8季度趋势，按日历期对齐
经营现金流ABCBTYL
| Q1 26 | — | $107.3M | ||
| Q4 25 | $390.2M | $243.9M | ||
| Q3 25 | $104.9M | $255.2M | ||
| Q2 25 | $61.4M | $98.3M | ||
| Q1 25 | $116.9M | $56.2M | ||
| Q4 24 | $154.2M | $224.8M | ||
| Q3 24 | $102.2M | $263.7M | ||
| Q2 24 | $-97.1M | $64.3M |
自由现金流ABCBTYL
| Q1 26 | — | $2.0M | ||
| Q4 25 | $369.6M | $239.6M | ||
| Q3 25 | $100.5M | $251.3M | ||
| Q2 25 | $53.7M | $92.8M | ||
| Q1 25 | $114.2M | $53.8M | ||
| Q4 24 | $140.7M | $221.0M | ||
| Q3 24 | $99.8M | $260.8M | ||
| Q2 24 | $-100.3M | $57.7M |
自由现金流率ABCBTYL
| Q1 26 | — | 0.3% | ||
| Q4 25 | 120.4% | 41.7% | ||
| Q3 25 | 32.0% | 42.2% | ||
| Q2 25 | 17.9% | 15.6% | ||
| Q1 25 | 39.9% | 9.5% | ||
| Q4 24 | 48.4% | 40.8% | ||
| Q3 24 | 35.2% | 48.0% | ||
| Q2 24 | -33.4% | 10.7% |
资本支出强度ABCBTYL
| Q1 26 | — | — | ||
| Q4 25 | 6.7% | 0.8% | ||
| Q3 25 | 1.4% | 0.7% | ||
| Q2 25 | 2.5% | 0.9% | ||
| Q1 25 | 0.9% | 0.4% | ||
| Q4 24 | 4.6% | 0.7% | ||
| Q3 24 | 0.8% | 0.5% | ||
| Q2 24 | 1.1% | 1.2% |
现金转化率ABCBTYL
| Q1 26 | — | 1.32× | ||
| Q4 25 | 3.60× | 3.72× | ||
| Q3 25 | 0.99× | 3.02× | ||
| Q2 25 | 0.56× | 1.16× | ||
| Q1 25 | 1.33× | 0.69× | ||
| Q4 24 | 1.63× | 3.45× | ||
| Q3 24 | 1.03× | 3.47× | ||
| Q2 24 | -1.07× | 0.95× |
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
TYL
| Subscriptions | $429.7M | 70% |
| Maintenance | $108.9M | 18% |
| Other | $74.9M | 12% |
