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Aflac（AFL）与PLUMAS BANCORP（PLBC）财务数据对比。点击上方公司名可切换其他公司
Aflac的季度营收约是PLUMAS BANCORP的188.1倍（$4.9B vs $25.9M）。PLUMAS BANCORP同比增速更快（36.5% vs -10.0%）。过去两年PLUMAS BANCORP的营收复合增速更高（501.6% vs -5.4%）
Aflac是美国知名保险企业，也是美国最大的补充保险提供商，成立于1955年，总部位于佐治亚州哥伦布市。公司在美国推出多类保险产品，其中薪资抵扣型保险服务知名度较高，参保人遭遇保障范围内的意外或疾病时可获现金赔付，目前已为全球超5000万用户提供财务保障。
Plumas Bancorp是一家美国银行控股公司，通过旗下子公司Plumas Bank开展业务，为加利福尼亚州北部及内华达州的个人客户、中小企业和本地社区机构提供存款、各类贷款、财富管理等综合零售及商业银行服务。
AFL vs PLBC — 直观对比
营收规模更大
AFL
是对方的188.1倍
$25.9M
营收增速更快
PLBC
高出46.4%
-10.0%
两年增速更快
PLBC
近两年复合增速
-5.4%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $4.9B | $25.9M |
| 净利润 | $1.4B | — |
| 毛利率 | — | — |
| 营业利润率 | 32.3% | 54.0% |
| 净利率 | 28.3% | — |
| 营收同比 | -10.0% | 36.5% |
| 净利润同比 | -27.5% | — |
| 每股收益（稀释后） | $2.58 | $1.56 |
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AFLPLBC
| Q4 25 | $4.9B | $25.9M | ||
| Q3 25 | $4.7B | $816.0K | ||
| Q2 25 | $4.2B | $781.0K | ||
| Q1 25 | $3.4B | $705.0K | ||
| Q4 24 | $5.4B | $19.0M | ||
| Q3 24 | $2.9B | $766.0K | ||
| Q2 24 | $5.1B | $743.0K | ||
| Q1 24 | $5.4B | $715.0K |
净利润AFLPLBC
| Q4 25 | $1.4B | — | ||
| Q3 25 | $1.6B | $5.1M | ||
| Q2 25 | $599.0M | $6.3M | ||
| Q1 25 | $29.0M | $7.2M | ||
| Q4 24 | $1.9B | — | ||
| Q3 24 | $-93.0M | $7.8M | ||
| Q2 24 | $1.8B | $6.8M | ||
| Q1 24 | $1.9B | $6.3M |
营业利润率AFLPLBC
| Q4 25 | 32.3% | 54.0% | ||
| Q3 25 | 42.1% | — | ||
| Q2 25 | 19.8% | — | ||
| Q1 25 | 4.3% | — | ||
| Q4 24 | 39.5% | 56.2% | ||
| Q3 24 | 3.1% | — | ||
| Q2 24 | 39.3% | — | ||
| Q1 24 | 39.9% | — |
净利率AFLPLBC
| Q4 25 | 28.3% | — | ||
| Q3 25 | 34.6% | 630.6% | ||
| Q2 25 | 14.4% | 809.3% | ||
| Q1 25 | 0.9% | 1018.4% | ||
| Q4 24 | 35.2% | — | ||
| Q3 24 | -3.2% | 1022.2% | ||
| Q2 24 | 34.2% | 913.3% | ||
| Q1 24 | 34.6% | 874.7% |
每股收益（稀释后）AFLPLBC
| Q4 25 | $2.58 | $1.56 | ||
| Q3 25 | $3.08 | $0.73 | ||
| Q2 25 | $1.11 | $1.05 | ||
| Q1 25 | $0.05 | $1.20 | ||
| Q4 24 | $3.45 | $1.30 | ||
| Q3 24 | $-0.17 | $1.31 | ||
| Q2 24 | $3.10 | $1.14 | ||
| Q1 24 | $3.25 | $1.05 |
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 | $6.2B | $80.6M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $29.5B | $261.1M |
| 总资产 | $116.5B | $2.2B |
| 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AFLPLBC
| Q4 25 | $6.2B | $80.6M | ||
| Q3 25 | $6.8B | $87.3M | ||
| Q2 25 | $7.0B | $79.3M | ||
| Q1 25 | $5.2B | $87.3M | ||
| Q4 24 | $6.2B | $82.0M | ||
| Q3 24 | $5.6B | $118.0M | ||
| Q2 24 | $6.1B | $109.9M | ||
| Q1 24 | $5.1B | $128.2M |
股东权益AFLPLBC
| Q4 25 | $29.5B | $261.1M | ||
| Q3 25 | $28.7B | $245.9M | ||
| Q2 25 | $27.2B | $193.1M | ||
| Q1 25 | $26.3B | $187.6M | ||
| Q4 24 | $26.1B | $177.9M | ||
| Q3 24 | $24.8B | $181.9M | ||
| Q2 24 | $26.0B | $165.2M | ||
| Q1 24 | $23.5B | $161.5M |
总资产AFLPLBC
| Q4 25 | $116.5B | $2.2B | ||
| Q3 25 | $122.3B | $2.2B | ||
| Q2 25 | $124.7B | $1.6B | ||
| Q1 25 | $120.3B | $1.6B | ||
| Q4 24 | $117.6B | $1.6B | ||
| Q3 24 | $128.4B | $1.7B | ||
| Q2 24 | $120.2B | $1.6B | ||
| Q1 24 | $124.7B | $1.6B |
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 | $315.0M | $6.4M |
| 自由现金流经营现金流 - 资本支出 | — | $6.1M |
| 自由现金流率自由现金流/营收 | — | 23.6% |
| 资本支出强度资本支出/营收 | — | 1.2% |
| 现金转化率经营现金流/净利润 | 0.23× | — |
| 过去12个月自由现金流最近4个季度 | — | $20.3M |
8季度趋势，按日历期对齐
经营现金流AFLPLBC
| Q4 25 | $315.0M | $6.4M | ||
| Q3 25 | $1.3B | $5.6M | ||
| Q2 25 | $399.0M | $2.1M | ||
| Q1 25 | $589.0M | $7.5M | ||
| Q4 24 | $333.0M | $8.3M | ||
| Q3 24 | $1.3B | $8.0M | ||
| Q2 24 | $255.0M | $5.1M | ||
| Q1 24 | $849.0M | $9.2M |
自由现金流AFLPLBC
| Q4 25 | — | $6.1M | ||
| Q3 25 | — | $4.8M | ||
| Q2 25 | — | $2.0M | ||
| Q1 25 | — | $7.3M | ||
| Q4 24 | — | $8.2M | ||
| Q3 24 | — | $7.8M | ||
| Q2 24 | — | $4.8M | ||
| Q1 24 | — | $9.0M |
自由现金流率AFLPLBC
| Q4 25 | — | 23.6% | ||
| Q3 25 | — | 588.6% | ||
| Q2 25 | — | 260.4% | ||
| Q1 25 | — | 1039.7% | ||
| Q4 24 | — | 43.1% | ||
| Q3 24 | — | 1023.2% | ||
| Q2 24 | — | 652.2% | ||
| Q1 24 | — | 1254.7% |
资本支出强度AFLPLBC
| Q4 25 | — | 1.2% | ||
| Q3 25 | — | 98.2% | ||
| Q2 25 | — | 4.0% | ||
| Q1 25 | — | 24.5% | ||
| Q4 24 | — | 0.6% | ||
| Q3 24 | — | 19.5% | ||
| Q2 24 | — | 31.0% | ||
| Q1 24 | — | 26.7% |
现金转化率AFLPLBC
| Q4 25 | 0.23× | — | ||
| Q3 25 | 0.76× | 1.09× | ||
| Q2 25 | 0.67× | 0.33× | ||
| Q1 25 | 20.31× | 1.04× | ||
| Q4 24 | 0.18× | — | ||
| Q3 24 | — | 1.02× | ||
| Q2 24 | 0.15× | 0.75× | ||
| Q1 24 | 0.45× | 1.46× |
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
AFL
| Aflac Japan | $2.3B | 47% |
| Aflac US | $1.7B | 35% |
| Other | $862.0M | 18% |
PLBC
暂无分部数据
