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ALERUS FINANCIAL CORP（ALRS）与AMES NATIONAL CORP（ATLO）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AMES NATIONAL CORP的3.0倍（$45.2M vs $15.2M）。AMES NATIONAL CORP净利率更高（42.8% vs -73.2%，领先115.9%）。AMES NATIONAL CORP同比增速更快（25.7% vs 18.0%）。ALERUS FINANCIAL CORP自由现金流更多（$15.3M vs $7.2M）。过去两年ALERUS FINANCIAL CORP的营收复合增速更高（42.6% vs 18.2%）
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。
艾姆斯国家公司是总部位于美国爱荷华州的金融控股企业，运营多家社区银行子公司，提供零售及商业银行全品类服务，涵盖存取款、个人及企业贷款、抵押贷款、财富管理等，主要服务爱荷华州中部的消费者和中小微企业。
ALRS vs ATLO — 直观对比
营收规模更大
ALRS
是对方的3.0倍
$15.2M
营收增速更快
ATLO
高出7.7%
18.0%
净利率更高
ATLO
高出115.9%
-73.2%
自由现金流更多
ALRS
多$8.1M
$7.2M
两年增速更快
ALRS
近两年复合增速
18.2%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $45.2M | $15.2M |
| 净利润 | $-33.1M | $6.5M |
| 毛利率 | — | — |
| 营业利润率 | -96.0% | 54.3% |
| 净利率 | -73.2% | 42.8% |
| 营收同比 | 18.0% | 25.7% |
| 净利润同比 | -49232.8% | 85.4% |
| 每股收益（稀释后） | $-1.27 | — |
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ALRSATLO
| Q4 25 | $45.2M | $15.2M | ||
| Q3 25 | $43.1M | $14.0M | ||
| Q2 25 | $43.0M | $13.5M | ||
| Q1 25 | $41.2M | $12.9M | ||
| Q4 24 | $38.3M | $12.1M | ||
| Q3 24 | $22.5M | $11.1M | ||
| Q2 24 | $24.0M | $10.9M | ||
| Q1 24 | $22.2M | $10.9M |
净利润ALRSATLO
| Q4 25 | $-33.1M | $6.5M | ||
| Q3 25 | $16.9M | $4.6M | ||
| Q2 25 | $20.3M | $4.5M | ||
| Q1 25 | $13.3M | $3.4M | ||
| Q4 24 | $-67.0K | $3.5M | ||
| Q3 24 | $5.2M | $2.2M | ||
| Q2 24 | $6.2M | $2.2M | ||
| Q1 24 | $6.4M | $2.3M |
营业利润率ALRSATLO
| Q4 25 | -96.0% | 54.3% | ||
| Q3 25 | 51.1% | 40.7% | ||
| Q2 25 | 61.2% | 41.9% | ||
| Q1 25 | 42.7% | 32.8% | ||
| Q4 24 | -0.8% | 35.8% | ||
| Q3 24 | 30.2% | 23.6% | ||
| Q2 24 | 33.9% | 23.6% | ||
| Q1 24 | 38.4% | 24.9% |
净利率ALRSATLO
| Q4 25 | -73.2% | 42.8% | ||
| Q3 25 | 39.2% | 32.5% | ||
| Q2 25 | 47.1% | 33.5% | ||
| Q1 25 | 32.4% | 26.7% | ||
| Q4 24 | -0.2% | 29.0% | ||
| Q3 24 | 23.1% | 20.0% | ||
| Q2 24 | 25.9% | 20.1% | ||
| Q1 24 | 28.9% | 21.1% |
每股收益（稀释后）ALRSATLO
| Q4 25 | $-1.27 | — | ||
| Q3 25 | $0.65 | — | ||
| Q2 25 | $0.78 | — | ||
| Q1 25 | $0.52 | — | ||
| Q4 24 | $-0.06 | — | ||
| Q3 24 | $0.26 | — | ||
| Q2 24 | $0.31 | — | ||
| Q1 24 | $0.32 | — |
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 | $126.8M |
| 总债务越低越好 | $59.2M | $18.4M |
| 股东权益账面价值 | $564.9M | $207.9M |
| 总资产 | $5.2B | $2.1B |
| 负债/权益比越低杠杆越低 | 0.10× | 0.09× |
8季度趋势，按日历期对齐
现金及短期投资ALRSATLO
| Q4 25 | $67.2M | $126.8M | ||
| Q3 25 | $92.0M | $108.2M | ||
| Q2 25 | $80.9M | $95.2M | ||
| Q1 25 | $83.0M | $163.4M | ||
| Q4 24 | $61.2M | $101.2M | ||
| Q3 24 | $66.0M | $59.0M | ||
| Q2 24 | $438.1M | $63.4M | ||
| Q1 24 | $545.8M | $111.4M |
总债务ALRSATLO
| Q4 25 | $59.2M | $18.4M | ||
| Q3 25 | $59.2M | — | ||
| Q2 25 | $59.1M | — | ||
| Q1 25 | $59.1M | — | ||
| Q4 24 | $59.1M | $20.0M | ||
| Q3 24 | $59.0M | — | ||
| Q2 24 | $59.0M | — | ||
| Q1 24 | $59.0M | — |
股东权益ALRSATLO
| Q4 25 | $564.9M | $207.9M | ||
| Q3 25 | $550.7M | $200.6M | ||
| Q2 25 | $533.2M | $193.0M | ||
| Q1 25 | $514.2M | $183.1M | ||
| Q4 24 | $495.4M | $174.7M | ||
| Q3 24 | $386.5M | $183.4M | ||
| Q2 24 | $373.2M | $167.1M | ||
| Q1 24 | $371.6M | $165.5M |
总资产ALRSATLO
| Q4 25 | $5.2B | $2.1B | ||
| Q3 25 | $5.3B | $2.1B | ||
| Q2 25 | $5.3B | $2.1B | ||
| Q1 25 | $5.3B | $2.2B | ||
| Q4 24 | $5.3B | $2.1B | ||
| Q3 24 | $4.4B | $2.1B | ||
| Q2 24 | $4.4B | $2.1B | ||
| Q1 24 | $4.3B | $2.2B |
负债/权益比ALRSATLO
| Q4 25 | 0.10× | 0.09× | ||
| Q3 25 | 0.11× | — | ||
| Q2 25 | 0.11× | — | ||
| Q1 25 | 0.11× | — | ||
| Q4 24 | 0.12× | 0.11× | ||
| 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 | $7.5M |
| 自由现金流经营现金流 - 资本支出 | $15.3M | $7.2M |
| 自由现金流率自由现金流/营收 | 33.9% | 47.4% |
| 资本支出强度资本支出/营收 | 2.3% | 1.5% |
| 现金转化率经营现金流/净利润 | — | 1.14× |
| 过去12个月自由现金流最近4个季度 | $58.8M | $20.7M |
8季度趋势，按日历期对齐
经营现金流ALRSATLO
| Q4 25 | $16.3M | $7.5M | ||
| Q3 25 | $32.8M | $2.8M | ||
| Q2 25 | $10.7M | $4.0M | ||
| Q1 25 | $7.7M | $7.1M | ||
| Q4 24 | $2.3M | $5.9M | ||
| Q3 24 | $20.2M | $3.1M | ||
| Q2 24 | $-12.5M | $3.9M | ||
| Q1 24 | $11.7M | $1.4M |
自由现金流ALRSATLO
| Q4 25 | $15.3M | $7.2M | ||
| Q3 25 | $30.3M | $2.6M | ||
| Q2 25 | $7.6M | $3.9M | ||
| Q1 25 | $5.7M | $6.9M | ||
| Q4 24 | $-2.7M | $5.9M | ||
| Q3 24 | $17.4M | $3.0M | ||
| Q2 24 | $-16.1M | $3.8M | ||
| Q1 24 | $10.8M | $1.3M |
自由现金流率ALRSATLO
| Q4 25 | 33.9% | 47.4% | ||
| Q3 25 | 70.3% | 18.9% | ||
| Q2 25 | 17.6% | 28.9% | ||
| Q1 25 | 13.8% | 53.6% | ||
| Q4 24 | -7.1% | 48.5% | ||
| Q3 24 | 77.3% | 27.4% | ||
| Q2 24 | -67.3% | 34.9% | ||
| Q1 24 | 48.7% | 12.0% |
资本支出强度ALRSATLO
| Q4 25 | 2.3% | 1.5% | ||
| Q3 25 | 5.7% | 0.7% | ||
| Q2 25 | 7.3% | 0.9% | ||
| Q1 25 | 5.0% | 1.5% | ||
| Q4 24 | 13.2% | 0.6% | ||
| Q3 24 | 12.3% | 0.6% | ||
| Q2 24 | 15.4% | 0.9% | ||
| Q1 24 | 4.0% | 0.6% |
现金转化率ALRSATLO
| Q4 25 | — | 1.14× | ||
| Q3 25 | 1.94× | 0.60× | ||
| Q2 25 | 0.53× | 0.89× | ||
| Q1 25 | 0.58× | 2.07× | ||
| Q4 24 | — | 1.69× | ||
| Q3 24 | 3.88× | 1.40× | ||
| Q2 24 | -2.01× | 1.78× | ||
| Q1 24 | 1.82× | 0.59× |
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% |
ATLO
暂无分部数据
