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ALERUS FINANCIAL CORP（ALRS）与BANC OF CALIFORNIA, INC.（BANC）财务数据对比。点击上方公司名可切换其他公司
BANC OF CALIFORNIA, INC.的季度营收约是ALERUS FINANCIAL CORP的6.4倍（$286.9M vs $45.2M）。BANC OF CALIFORNIA, INC.净利率更高（25.1% vs -73.2%，领先98.2%）。ALERUS FINANCIAL CORP同比增速更快（18.0% vs 7.9%）。过去两年BANC OF CALIFORNIA, INC.的营收复合增速更高（462.3% vs 42.6%）
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。
加州银行是一家美国金融机构，总部位于加利福尼亚州洛杉矶，在加州设有80家分支机构，业务网点还覆盖科罗拉多州丹佛、北卡罗来纳州达勒姆等地，包括纽约、芝加哥在内的全美员工约2000人。该行提供多元化的存贷款产品与服务，专注为中小市场企业及获创投注资的企业提供银行与财资管理解决方案。
ALRS vs BANC — 直观对比
营收规模更大
BANC
是对方的6.4倍
$45.2M
营收增速更快
ALRS
高出10.1%
7.9%
净利率更高
BANC
高出98.2%
-73.2%
两年增速更快
BANC
近两年复合增速
42.6%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $45.2M | $286.9M |
| 净利润 | $-33.1M | $72.0M |
| 毛利率 | — | — |
| 营业利润率 | -96.0% | — |
| 净利率 | -73.2% | 25.1% |
| 营收同比 | 18.0% | 7.9% |
| 净利润同比 | -49232.8% | 34.3% |
| 每股收益（稀释后） | $-1.27 | $0.39 |
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ALRSBANC
| Q1 26 | — | $286.9M | ||
| Q4 25 | $45.2M | $9.5M | ||
| Q3 25 | $43.1M | $9.8M | ||
| Q2 25 | $43.0M | $9.3M | ||
| Q1 25 | $41.2M | $10.2M | ||
| Q4 24 | $38.3M | $9.3M | ||
| Q3 24 | $22.5M | $9.1M | ||
| Q2 24 | $24.0M | $9.1M |
净利润ALRSBANC
| Q1 26 | — | $72.0M | ||
| Q4 25 | $-33.1M | $77.4M | ||
| Q3 25 | $16.9M | $69.6M | ||
| Q2 25 | $20.3M | $28.4M | ||
| Q1 25 | $13.3M | $53.6M | ||
| Q4 24 | $-67.0K | $56.9M | ||
| Q3 24 | $5.2M | $8.8M | ||
| Q2 24 | $6.2M | $30.3M |
营业利润率ALRSBANC
| Q1 26 | — | — | ||
| Q4 25 | -96.0% | — | ||
| Q3 25 | 51.1% | — | ||
| Q2 25 | 61.2% | — | ||
| Q1 25 | 42.7% | — | ||
| Q4 24 | -0.8% | — | ||
| Q3 24 | 30.2% | — | ||
| Q2 24 | 33.9% | — |
净利率ALRSBANC
| Q1 26 | — | 25.1% | ||
| Q4 25 | -73.2% | 812.4% | ||
| Q3 25 | 39.2% | 712.8% | ||
| Q2 25 | 47.1% | 304.9% | ||
| Q1 25 | 32.4% | 525.6% | ||
| Q4 24 | -0.2% | 611.6% | ||
| Q3 24 | 23.1% | 97.0% | ||
| Q2 24 | 25.9% | 334.2% |
每股收益（稀释后）ALRSBANC
| Q1 26 | — | $0.39 | ||
| Q4 25 | $-1.27 | $0.41 | ||
| Q3 25 | $0.65 | $0.38 | ||
| Q2 25 | $0.78 | $0.12 | ||
| Q1 25 | $0.52 | $0.26 | ||
| Q4 24 | $-0.06 | $0.29 | ||
| Q3 24 | $0.26 | $-0.01 | ||
| Q2 24 | $0.31 | $0.12 |
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 | $2.2B |
| 总债务越低越好 | $59.2M | — |
| 股东权益账面价值 | $564.9M | $3.6B |
| 总资产 | $5.2B | $34.7B |
| 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ALRSBANC
| Q1 26 | — | $2.2B | ||
| 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 | — |
总债务ALRSBANC
| Q1 26 | — | — | ||
| Q4 25 | $59.2M | $2.1B | ||
| Q3 25 | $59.2M | $2.0B | ||
| Q2 25 | $59.1M | $1.9B | ||
| Q1 25 | $59.1M | $1.7B | ||
| Q4 24 | $59.1M | $1.4B | ||
| Q3 24 | $59.0M | $1.6B | ||
| Q2 24 | $59.0M | $1.4B |
股东权益ALRSBANC
| Q1 26 | — | $3.6B | ||
| Q4 25 | $564.9M | $3.5B | ||
| Q3 25 | $550.7M | $3.5B | ||
| Q2 25 | $533.2M | $3.4B | ||
| Q1 25 | $514.2M | $3.5B | ||
| Q4 24 | $495.4M | $3.5B | ||
| Q3 24 | $386.5M | $3.5B | ||
| Q2 24 | $373.2M | $3.4B |
总资产ALRSBANC
| Q1 26 | — | $34.7B | ||
| Q4 25 | $5.2B | $34.8B | ||
| Q3 25 | $5.3B | $34.0B | ||
| Q2 25 | $5.3B | $34.3B | ||
| Q1 25 | $5.3B | $33.8B | ||
| Q4 24 | $5.3B | $33.5B | ||
| Q3 24 | $4.4B | $33.4B | ||
| Q2 24 | $4.4B | $35.2B |
负债/权益比ALRSBANC
| Q1 26 | — | — | ||
| Q4 25 | 0.10× | 0.58× | ||
| Q3 25 | 0.11× | 0.58× | ||
| Q2 25 | 0.11× | 0.56× | ||
| Q1 25 | 0.11× | 0.47× | ||
| Q4 24 | 0.12× | 0.40× | ||
| Q3 24 | 0.15× | 0.46× | ||
| Q2 24 | 0.16× | 0.42× |
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 | — |
| 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 | — | — |
| 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ALRSBANC
| Q1 26 | — | — | ||
| Q4 25 | $16.3M | $102.1M | ||
| Q3 25 | $32.8M | $75.7M | ||
| Q2 25 | $10.7M | $62.7M | ||
| Q1 25 | $7.7M | $15.1M | ||
| Q4 24 | $2.3M | $79.8M | ||
| Q3 24 | $20.2M | $46.9M | ||
| Q2 24 | $-12.5M | $39.1M |
自由现金流ALRSBANC
| Q1 26 | — | — | ||
| Q4 25 | $15.3M | $84.2M | ||
| Q3 25 | $30.3M | $75.5M | ||
| Q2 25 | $7.6M | $61.4M | ||
| Q1 25 | $5.7M | $13.6M | ||
| Q4 24 | $-2.7M | $75.7M | ||
| Q3 24 | $17.4M | $44.6M | ||
| Q2 24 | $-16.1M | $34.4M |
自由现金流率ALRSBANC
| Q1 26 | — | — | ||
| Q4 25 | 33.9% | 884.2% | ||
| Q3 25 | 70.3% | 772.9% | ||
| Q2 25 | 17.6% | 660.1% | ||
| Q1 25 | 13.8% | 133.4% | ||
| Q4 24 | -7.1% | 813.0% | ||
| Q3 24 | 77.3% | 492.2% | ||
| Q2 24 | -67.3% | 379.1% |
资本支出强度ALRSBANC
| Q1 26 | — | — | ||
| Q4 25 | 2.3% | 187.4% | ||
| Q3 25 | 5.7% | 1.9% | ||
| Q2 25 | 7.3% | 13.6% | ||
| Q1 25 | 5.0% | 15.0% | ||
| Q4 24 | 13.2% | 44.4% | ||
| Q3 24 | 12.3% | 25.1% | ||
| Q2 24 | 15.4% | 51.8% |
现金转化率ALRSBANC
| Q1 26 | — | — | ||
| Q4 25 | — | 1.32× | ||
| Q3 25 | 1.94× | 1.09× | ||
| Q2 25 | 0.53× | 2.21× | ||
| Q1 25 | 0.58× | 0.28× | ||
| Q4 24 | — | 1.40× | ||
| Q3 24 | 3.88× | 5.34× | ||
| Q2 24 | -2.01× | 1.29× |
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% |
BANC
暂无分部数据
