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ALERUS FINANCIAL CORP（ALRS）与AMERISERV FINANCIAL INC（ASRV）财务数据对比。点击上方公司名可切换其他公司
ALERUS FINANCIAL CORP的季度营收约是AMERISERV FINANCIAL INC的11.6倍（$45.2M vs $3.9M）。AMERISERV FINANCIAL INC净利率更高（36.9% vs -73.2%，领先110.1%）。ALERUS FINANCIAL CORP同比增速更快（18.0% vs 2.4%）。过去两年ALERUS FINANCIAL CORP的营收复合增速更高（42.6% vs -1.9%）
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。
Ameriserv Financial Inc.是总部位于美国宾夕法尼亚州的区域金融服务控股公司，主要为当地个人消费者及中小企业提供零售与商业银行业务，包括存款、各类贷款及财富管理解决方案。
ALRS vs ASRV — 直观对比
营收规模更大
ALRS
是对方的11.6倍
$3.9M
营收增速更快
ALRS
高出15.6%
2.4%
净利率更高
ASRV
高出110.1%
-73.2%
两年增速更快
ALRS
近两年复合增速
-1.9%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $45.2M | $3.9M |
| 净利润 | $-33.1M | $1.4M |
| 毛利率 | — | — |
| 营业利润率 | -96.0% | 43.0% |
| 净利率 | -73.2% | 36.9% |
| 营收同比 | 18.0% | 2.4% |
| 净利润同比 | -49232.8% | 62.2% |
| 每股收益（稀释后） | $-1.27 | $0.09 |
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ALRSASRV
| Q4 25 | $45.2M | $3.9M | ||
| Q3 25 | $43.1M | $3.7M | ||
| Q2 25 | $43.0M | $3.6M | ||
| Q1 25 | $41.2M | $3.5M | ||
| Q4 24 | $38.3M | $3.8M | ||
| Q3 24 | $22.5M | $3.9M | ||
| Q2 24 | $24.0M | $3.9M | ||
| Q1 24 | $22.2M | $4.1M |
净利润ALRSASRV
| Q4 25 | $-33.1M | $1.4M | ||
| Q3 25 | $16.9M | $2.5M | ||
| Q2 25 | $20.3M | $-282.0K | ||
| Q1 25 | $13.3M | $1.9M | ||
| Q4 24 | $-67.0K | $889.0K | ||
| Q3 24 | $5.2M | $1.2M | ||
| Q2 24 | $6.2M | $-375.0K | ||
| Q1 24 | $6.4M | $1.9M |
营业利润率ALRSASRV
| Q4 25 | -96.0% | 43.0% | ||
| Q3 25 | 51.1% | 84.3% | ||
| Q2 25 | 61.2% | -9.8% | ||
| Q1 25 | 42.7% | 68.8% | ||
| Q4 24 | -0.8% | 28.2% | ||
| Q3 24 | 30.2% | 36.6% | ||
| Q2 24 | 33.9% | -12.5% | ||
| Q1 24 | 38.4% | 58.8% |
净利率ALRSASRV
| Q4 25 | -73.2% | 36.9% | ||
| Q3 25 | 39.2% | 69.5% | ||
| Q2 25 | 47.1% | -7.8% | ||
| Q1 25 | 32.4% | 55.0% | ||
| Q4 24 | -0.2% | 23.3% | ||
| Q3 24 | 23.1% | 30.5% | ||
| Q2 24 | 25.9% | -9.7% | ||
| Q1 24 | 28.9% | 46.9% |
每股收益（稀释后）ALRSASRV
| Q4 25 | $-1.27 | $0.09 | ||
| Q3 25 | $0.65 | $0.15 | ||
| Q2 25 | $0.78 | $-0.02 | ||
| Q1 25 | $0.52 | $0.12 | ||
| Q4 24 | $-0.06 | $0.05 | ||
| Q3 24 | $0.26 | $0.07 | ||
| Q2 24 | $0.31 | $-0.02 | ||
| Q1 24 | $0.32 | $0.11 |
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 | $119.3M |
| 总资产 | $5.2B | $1.5B |
| 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ALRSASRV
| 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ALRSASRV
| 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ALRSASRV
| Q4 25 | $564.9M | $119.3M | ||
| Q3 25 | $550.7M | $114.6M | ||
| Q2 25 | $533.2M | $110.9M | ||
| Q1 25 | $514.2M | $110.8M | ||
| Q4 24 | $495.4M | $107.2M | ||
| Q3 24 | $386.5M | $108.2M | ||
| Q2 24 | $373.2M | $103.7M | ||
| Q1 24 | $371.6M | $103.9M |
总资产ALRSASRV
| Q4 25 | $5.2B | $1.5B | ||
| Q3 25 | $5.3B | $1.5B | ||
| Q2 25 | $5.3B | $1.4B | ||
| Q1 25 | $5.3B | $1.4B | ||
| Q4 24 | $5.3B | $1.4B | ||
| Q3 24 | $4.4B | $1.4B | ||
| Q2 24 | $4.4B | $1.4B | ||
| Q1 24 | $4.3B | $1.4B |
负债/权益比ALRSASRV
| 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 | $1.2M |
| 自由现金流经营现金流 - 资本支出 | $15.3M | — |
| 自由现金流率自由现金流/营收 | 33.9% | — |
| 资本支出强度资本支出/营收 | 2.3% | — |
| 现金转化率经营现金流/净利润 | — | 0.86× |
| 过去12个月自由现金流最近4个季度 | $58.8M | — |
8季度趋势，按日历期对齐
经营现金流ALRSASRV
| Q4 25 | $16.3M | $1.2M | ||
| Q3 25 | $32.8M | $1.4M | ||
| Q2 25 | $10.7M | $-62.0K | ||
| Q1 25 | $7.7M | $599.0K | ||
| Q4 24 | $2.3M | $3.4M | ||
| Q3 24 | $20.2M | $-235.0K | ||
| Q2 24 | $-12.5M | $1.7M | ||
| Q1 24 | $11.7M | $-2.2M |
自由现金流ALRSASRV
| Q4 25 | $15.3M | — | ||
| Q3 25 | $30.3M | — | ||
| Q2 25 | $7.6M | — | ||
| Q1 25 | $5.7M | — | ||
| Q4 24 | $-2.7M | — | ||
| Q3 24 | $17.4M | — | ||
| Q2 24 | $-16.1M | — | ||
| Q1 24 | $10.8M | — |
自由现金流率ALRSASRV
| Q4 25 | 33.9% | — | ||
| Q3 25 | 70.3% | — | ||
| Q2 25 | 17.6% | — | ||
| Q1 25 | 13.8% | — | ||
| Q4 24 | -7.1% | — | ||
| Q3 24 | 77.3% | — | ||
| Q2 24 | -67.3% | — | ||
| Q1 24 | 48.7% | — |
资本支出强度ALRSASRV
| Q4 25 | 2.3% | — | ||
| Q3 25 | 5.7% | — | ||
| Q2 25 | 7.3% | — | ||
| Q1 25 | 5.0% | — | ||
| Q4 24 | 13.2% | — | ||
| Q3 24 | 12.3% | — | ||
| Q2 24 | 15.4% | — | ||
| Q1 24 | 4.0% | — |
现金转化率ALRSASRV
| Q4 25 | — | 0.86× | ||
| Q3 25 | 1.94× | 0.55× | ||
| Q2 25 | 0.53× | — | ||
| Q1 25 | 0.58× | 0.31× | ||
| Q4 24 | — | 3.79× | ||
| Q3 24 | 3.88× | -0.20× | ||
| Q2 24 | -2.01× | — | ||
| Q1 24 | 1.82× | -1.13× |
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% |
ASRV
暂无分部数据
