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ALERUS FINANCIAL CORP（ALRS）与Amerant Bancorp Inc.（AMTB）财务数据对比。点击上方公司名可切换其他公司
Amerant Bancorp Inc.的季度营收约是ALERUS FINANCIAL CORP的2.0倍（$90.2M vs $45.2M）。Amerant Bancorp Inc.净利率更高（3.0% vs -73.2%，领先76.2%）。ALERUS FINANCIAL CORP同比增速更快（18.0% vs 2.9%）。Amerant Bancorp Inc.自由现金流更多（$31.3M vs $15.3M）。过去两年ALERUS FINANCIAL CORP的营收复合增速更高（42.6% vs 7.5%）
阿勒鲁斯金融公司（品牌简称Alerus）是一家连锁金融机构，总部位于北达科他州大福克斯，网点分布在北达科他、明尼苏达、威斯康星与亚利桑那州，为客户提供银行、抵押贷款、财富管理以及退休规划等多种金融服务。
阿梅兰特银行是一家注册于美国佛罗里达州的本土银行，总部坐落于佛罗里达州科勒尔盖布尔斯。目前该行在佛罗里达州共设有19家实体分行，通过自有运营及合作网络可提供超过5.5万台ATM的取款服务。
ALRS vs AMTB — 直观对比
营收规模更大
AMTB
是对方的2.0倍
$45.2M
营收增速更快
ALRS
高出15.1%
2.9%
净利率更高
AMTB
高出76.2%
-73.2%
自由现金流更多
AMTB
多$16.0M
$15.3M
两年增速更快
ALRS
近两年复合增速
7.5%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $45.2M | $90.2M |
| 净利润 | $-33.1M | $2.7M |
| 毛利率 | — | — |
| 营业利润率 | -96.0% | 2.1% |
| 净利率 | -73.2% | 3.0% |
| 营收同比 | 18.0% | 2.9% |
| 净利润同比 | -49232.8% | -84.0% |
| 每股收益（稀释后） | $-1.27 | $0.08 |
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ALRSAMTB
| Q4 25 | $45.2M | $90.2M | ||
| Q3 25 | $43.1M | $94.2M | ||
| Q2 25 | $43.0M | $90.5M | ||
| Q1 25 | $41.2M | $85.9M | ||
| Q4 24 | $38.3M | $87.6M | ||
| Q3 24 | $22.5M | $81.0M | ||
| Q2 24 | $24.0M | $79.4M | ||
| Q1 24 | $22.2M | $78.0M |
净利润ALRSAMTB
| Q4 25 | $-33.1M | $2.7M | ||
| Q3 25 | $16.9M | $14.8M | ||
| Q2 25 | $20.3M | $23.0M | ||
| Q1 25 | $13.3M | $12.0M | ||
| Q4 24 | $-67.0K | $16.9M | ||
| Q3 24 | $5.2M | $-48.2M | ||
| Q2 24 | $6.2M | $5.0M | ||
| Q1 24 | $6.4M | $10.6M |
营业利润率ALRSAMTB
| Q4 25 | -96.0% | 2.1% | ||
| Q3 25 | 51.1% | 20.2% | ||
| Q2 25 | 61.2% | 32.9% | ||
| Q1 25 | 42.7% | 18.0% | ||
| Q4 24 | -0.8% | 20.6% | ||
| Q3 24 | 30.2% | -76.4% | ||
| Q2 24 | 33.9% | 8.0% | ||
| Q1 24 | 38.4% | 17.3% |
净利率ALRSAMTB
| Q4 25 | -73.2% | 3.0% | ||
| Q3 25 | 39.2% | 15.7% | ||
| Q2 25 | 47.1% | 25.4% | ||
| Q1 25 | 32.4% | 13.9% | ||
| Q4 24 | -0.2% | 19.3% | ||
| Q3 24 | 23.1% | -59.5% | ||
| Q2 24 | 25.9% | 6.3% | ||
| Q1 24 | 28.9% | 13.6% |
每股收益（稀释后）ALRSAMTB
| Q4 25 | $-1.27 | $0.08 | ||
| Q3 25 | $0.65 | $0.35 | ||
| Q2 25 | $0.78 | $0.55 | ||
| Q1 25 | $0.52 | $0.28 | ||
| Q4 24 | $-0.06 | $0.53 | ||
| Q3 24 | $0.26 | $-1.43 | ||
| Q2 24 | $0.31 | $0.15 | ||
| Q1 24 | $0.32 | $0.31 |
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 | $67.2M | — |
| 总债务越低越好 | $59.2M | — |
| 股东权益账面价值 | $564.9M | $938.8M |
| 总资产 | $5.2B | $9.8B |
| 负债/权益比越低杠杆越低 | 0.10× | — |
8季度趋势，按日历期对齐
现金及短期投资ALRSAMTB
| Q4 25 | $67.2M | — | ||
| Q3 25 | $92.0M | — | ||
| Q2 25 | $80.9M | — | ||
| Q1 25 | $83.0M | — | ||
| Q4 24 | $61.2M | — | ||
| Q3 24 | $66.0M | — | ||
| Q2 24 | $438.1M | — | ||
| Q1 24 | $545.8M | — |
总债务ALRSAMTB
| Q4 25 | $59.2M | — | ||
| Q3 25 | $59.2M | — | ||
| Q2 25 | $59.1M | — | ||
| Q1 25 | $59.1M | — | ||
| Q4 24 | $59.1M | — | ||
| Q3 24 | $59.0M | — | ||
| Q2 24 | $59.0M | — | ||
| Q1 24 | $59.0M | — |
股东权益ALRSAMTB
| Q4 25 | $564.9M | $938.8M | ||
| Q3 25 | $550.7M | $944.9M | ||
| Q2 25 | $533.2M | $924.3M | ||
| Q1 25 | $514.2M | $906.3M | ||
| Q4 24 | $495.4M | $890.5M | ||
| Q3 24 | $386.5M | $902.9M | ||
| Q2 24 | $373.2M | $734.3M | ||
| Q1 24 | $371.6M | $738.1M |
总资产ALRSAMTB
| Q4 25 | $5.2B | $9.8B | ||
| Q3 25 | $5.3B | $10.4B | ||
| Q2 25 | $5.3B | $10.3B | ||
| Q1 25 | $5.3B | $10.2B | ||
| Q4 24 | $5.3B | $9.9B | ||
| Q3 24 | $4.4B | $10.4B | ||
| Q2 24 | $4.4B | $9.7B | ||
| Q1 24 | $4.3B | $9.8B |
负债/权益比ALRSAMTB
| Q4 25 | 0.10× | — | ||
| Q3 25 | 0.11× | — | ||
| Q2 25 | 0.11× | — | ||
| Q1 25 | 0.11× | — | ||
| Q4 24 | 0.12× | — | ||
| Q3 24 | 0.15× | — | ||
| Q2 24 | 0.16× | — | ||
| Q1 24 | 0.16× | — |
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 | $16.3M | $36.5M |
| 自由现金流经营现金流 - 资本支出 | $15.3M | $31.3M |
| 自由现金流率自由现金流/营收 | 33.9% | 34.7% |
| 资本支出强度资本支出/营收 | 2.3% | 5.8% |
| 现金转化率经营现金流/净利润 | — | 13.51× |
| 过去12个月自由现金流最近4个季度 | $58.8M | $127.2M |
8季度趋势，按日历期对齐
经营现金流ALRSAMTB
| Q4 25 | $16.3M | $36.5M | ||
| Q3 25 | $32.8M | $22.7M | ||
| Q2 25 | $10.7M | $57.6M | ||
| Q1 25 | $7.7M | $20.2M | ||
| Q4 24 | $2.3M | $77.5M | ||
| Q3 24 | $20.2M | $4.2M | ||
| Q2 24 | $-12.5M | $-2.3M | ||
| Q1 24 | $11.7M | $2.8M |
自由现金流ALRSAMTB
| Q4 25 | $15.3M | $31.3M | ||
| Q3 25 | $30.3M | $21.7M | ||
| Q2 25 | $7.6M | $56.3M | ||
| Q1 25 | $5.7M | $18.0M | ||
| Q4 24 | $-2.7M | $76.7M | ||
| Q3 24 | $17.4M | $2.6M | ||
| Q2 24 | $-16.1M | $-3.9M | ||
| Q1 24 | $10.8M | $-694.0K |
自由现金流率ALRSAMTB
| Q4 25 | 33.9% | 34.7% | ||
| Q3 25 | 70.3% | 23.0% | ||
| Q2 25 | 17.6% | 62.2% | ||
| Q1 25 | 13.8% | 21.0% | ||
| Q4 24 | -7.1% | 87.6% | ||
| Q3 24 | 77.3% | 3.2% | ||
| Q2 24 | -67.3% | -4.9% | ||
| Q1 24 | 48.7% | -0.9% |
资本支出强度ALRSAMTB
| Q4 25 | 2.3% | 5.8% | ||
| Q3 25 | 5.7% | 1.1% | ||
| Q2 25 | 7.3% | 1.5% | ||
| Q1 25 | 5.0% | 2.6% | ||
| Q4 24 | 13.2% | 0.9% | ||
| Q3 24 | 12.3% | 2.0% | ||
| Q2 24 | 15.4% | 1.9% | ||
| Q1 24 | 4.0% | 4.5% |
现金转化率ALRSAMTB
| Q4 25 | — | 13.51× | ||
| Q3 25 | 1.94× | 1.54× | ||
| Q2 25 | 0.53× | 2.50× | ||
| Q1 25 | 0.58× | 1.69× | ||
| Q4 24 | — | 4.59× | ||
| Q3 24 | 3.88× | — | ||
| Q2 24 | -2.01× | -0.47× | ||
| Q1 24 | 1.82× | 0.26× |
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
ALRS
| Other | $17.3M | 38% |
| Retirement And Benefit Services | $17.3M | 38% |
| Wealth Management | $7.4M | 16% |
| Mortgage Banking | $3.2M | 7% |
AMTB
| Other | $36.0M | 40% |
| Commercial Portfolio Segment | $25.7M | 28% |
| Commercial Real Estate Portfolio Segment | $17.3M | 19% |
| Consumer Portfolio Segment | $11.1M | 12% |
