vs
ALERUS FINANCIAL CORP（ALRS）与BANCFIRST CORP（BANF）财务数据对比。点击上方公司名可切换其他公司
BANCFIRST CORP的季度营收约是ALERUS FINANCIAL CORP的2.8倍（$127.7M vs $45.2M）。BANCFIRST CORP净利率更高（46.6% vs -73.2%，领先119.8%）。ALERUS FINANCIAL CORP同比增速更快（18.0% vs 10.1%）。BANCFIRST CORP自由现金流更多（$43.2M vs $15.3M）。过去两年ALERUS FINANCIAL CORP的营收复合增速更高（42.6% vs 9.7%）
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。
BancFirst Corporation是总部位于美国俄克拉荷马州的金融服务控股公司，旗下共运营三家附属银行：俄克拉荷马州特许银行BancFirst，以及得克萨斯州特许的Pegasus银行和沃辛顿银行，为两地市场提供多元金融服务。
ALRS vs BANF — 直观对比
营收规模更大
BANF
是对方的2.8倍
$45.2M
营收增速更快
ALRS
高出7.9%
10.1%
净利率更高
BANF
高出119.8%
-73.2%
自由现金流更多
BANF
多$27.9M
$15.3M
两年增速更快
ALRS
近两年复合增速
9.7%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $45.2M | $127.7M |
| 净利润 | $-33.1M | $59.5M |
| 毛利率 | — | — |
| 营业利润率 | -96.0% | 59.0% |
| 净利率 | -73.2% | 46.6% |
| 营收同比 | 18.0% | 10.1% |
| 净利润同比 | -49232.8% | 5.3% |
| 每股收益（稀释后） | $-1.27 | $1.75 |
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ALRSBANF
| Q4 25 | $45.2M | $127.7M | ||
| Q3 25 | $43.1M | $125.6M | ||
| Q2 25 | $43.0M | $121.3M | ||
| Q1 25 | $41.2M | $115.9M | ||
| Q4 24 | $38.3M | $115.9M | ||
| Q3 24 | $22.5M | $115.0M | ||
| Q2 24 | $24.0M | $109.9M | ||
| Q1 24 | $22.2M | $106.1M |
净利润ALRSBANF
| Q4 25 | $-33.1M | $59.5M | ||
| Q3 25 | $16.9M | $62.7M | ||
| Q2 25 | $20.3M | $62.3M | ||
| Q1 25 | $13.3M | $56.1M | ||
| Q4 24 | $-67.0K | $56.5M | ||
| Q3 24 | $5.2M | $58.9M | ||
| Q2 24 | $6.2M | $50.6M | ||
| Q1 24 | $6.4M | $50.3M |
营业利润率ALRSBANF
| Q4 25 | -96.0% | 59.0% | ||
| Q3 25 | 51.1% | 62.9% | ||
| Q2 25 | 61.2% | 65.7% | ||
| Q1 25 | 42.7% | 61.3% | ||
| Q4 24 | -0.8% | 62.1% | ||
| Q3 24 | 30.2% | 64.3% | ||
| Q2 24 | 33.9% | 59.3% | ||
| Q1 24 | 38.4% | 60.5% |
净利率ALRSBANF
| Q4 25 | -73.2% | 46.6% | ||
| Q3 25 | 39.2% | 49.9% | ||
| Q2 25 | 47.1% | 51.4% | ||
| Q1 25 | 32.4% | 48.4% | ||
| Q4 24 | -0.2% | 48.7% | ||
| Q3 24 | 23.1% | 51.2% | ||
| Q2 24 | 25.9% | 46.1% | ||
| Q1 24 | 28.9% | 47.4% |
每股收益（稀释后）ALRSBANF
| Q4 25 | $-1.27 | $1.75 | ||
| Q3 25 | $0.65 | $1.85 | ||
| Q2 25 | $0.78 | $1.85 | ||
| Q1 25 | $0.52 | $1.66 | ||
| Q4 24 | $-0.06 | $1.68 | ||
| Q3 24 | $0.26 | $1.75 | ||
| Q2 24 | $0.31 | $1.51 | ||
| Q1 24 | $0.32 | $1.50 |
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 | $1.9B |
| 总资产 | $5.2B | $14.8B |
| 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ALRSBANF
| 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ALRSBANF
| 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ALRSBANF
| Q4 25 | $564.9M | $1.9B | ||
| Q3 25 | $550.7M | $1.8B | ||
| Q2 25 | $533.2M | $1.7B | ||
| Q1 25 | $514.2M | $1.7B | ||
| Q4 24 | $495.4M | $1.6B | ||
| Q3 24 | $386.5M | $1.6B | ||
| Q2 24 | $373.2M | $1.5B | ||
| Q1 24 | $371.6M | $1.5B |
总资产ALRSBANF
| Q4 25 | $5.2B | $14.8B | ||
| Q3 25 | $5.3B | $14.2B | ||
| Q2 25 | $5.3B | $14.0B | ||
| Q1 25 | $5.3B | $14.0B | ||
| Q4 24 | $5.3B | $13.6B | ||
| Q3 24 | $4.4B | $13.3B | ||
| Q2 24 | $4.4B | $12.7B | ||
| Q1 24 | $4.3B | $12.6B |
负债/权益比ALRSBANF
| 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 | $54.8M |
| 自由现金流经营现金流 - 资本支出 | $15.3M | $43.2M |
| 自由现金流率自由现金流/营收 | 33.9% | 33.9% |
| 资本支出强度资本支出/营收 | 2.3% | 9.0% |
| 现金转化率经营现金流/净利润 | — | 0.92× |
| 过去12个月自由现金流最近4个季度 | $58.8M | $237.0M |
8季度趋势，按日历期对齐
经营现金流ALRSBANF
| Q4 25 | $16.3M | $54.8M | ||
| Q3 25 | $32.8M | $75.4M | ||
| Q2 25 | $10.7M | $78.1M | ||
| Q1 25 | $7.7M | $77.0M | ||
| Q4 24 | $2.3M | $17.1M | ||
| Q3 24 | $20.2M | $77.6M | ||
| Q2 24 | $-12.5M | $100.2M | ||
| Q1 24 | $11.7M | $66.3M |
自由现金流ALRSBANF
| Q4 25 | $15.3M | $43.2M | ||
| Q3 25 | $30.3M | $63.7M | ||
| Q2 25 | $7.6M | $64.4M | ||
| Q1 25 | $5.7M | $65.6M | ||
| Q4 24 | $-2.7M | $2.0M | ||
| Q3 24 | $17.4M | $72.4M | ||
| Q2 24 | $-16.1M | $94.1M | ||
| Q1 24 | $10.8M | $56.1M |
自由现金流率ALRSBANF
| Q4 25 | 33.9% | 33.9% | ||
| Q3 25 | 70.3% | 50.7% | ||
| Q2 25 | 17.6% | 53.1% | ||
| Q1 25 | 13.8% | 56.6% | ||
| Q4 24 | -7.1% | 1.7% | ||
| Q3 24 | 77.3% | 62.9% | ||
| Q2 24 | -67.3% | 85.7% | ||
| Q1 24 | 48.7% | 52.8% |
资本支出强度ALRSBANF
| Q4 25 | 2.3% | 9.0% | ||
| Q3 25 | 5.7% | 9.3% | ||
| Q2 25 | 7.3% | 11.3% | ||
| Q1 25 | 5.0% | 9.8% | ||
| Q4 24 | 13.2% | 13.1% | ||
| Q3 24 | 12.3% | 4.6% | ||
| Q2 24 | 15.4% | 5.5% | ||
| Q1 24 | 4.0% | 9.7% |
现金转化率ALRSBANF
| Q4 25 | — | 0.92× | ||
| Q3 25 | 1.94× | 1.20× | ||
| Q2 25 | 0.53× | 1.25× | ||
| Q1 25 | 0.58× | 1.37× | ||
| Q4 24 | — | 0.30× | ||
| Q3 24 | 3.88× | 1.32× | ||
| Q2 24 | -2.01× | 1.98× | ||
| Q1 24 | 1.82× | 1.32× |
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% |
BANF
暂无分部数据
