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ALERUS FINANCIAL CORP（ALRS）与California BanCorp \ CA（BCAL）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California BanCorp \ CA的1.1倍（$45.2M vs $42.9M）。California BanCorp \ CA净利率更高（38.3% vs -73.2%，领先111.4%）。ALERUS FINANCIAL CORP同比增速更快（18.0% vs -3.7%）。California BanCorp \ CA自由现金流更多（$20.8M vs $15.3M）。过去两年California BanCorp \ CA的营收复合增速更高（44.7% 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。
太平洋第一控股是依据美国1956年银行控股公司法案成立的美国银行控股集团，总部位于加利福尼亚州欧文市。集团核心业务围绕旗下太平洋第一银行展开，为个人、企业及专业人士提供各类金融服务，目前在加州、亚利桑那州、内华达州和华盛顿州开设了多家网点。
ALRS vs BCAL — 直观对比
营收规模更大
ALRS
是对方的1.1倍
$42.9M
营收增速更快
ALRS
高出21.7%
-3.7%
净利率更高
BCAL
高出111.4%
-73.2%
自由现金流更多
BCAL
多$5.5M
$15.3M
两年增速更快
BCAL
近两年复合增速
42.6%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $45.2M | $42.9M |
| 净利润 | $-33.1M | $16.4M |
| 毛利率 | — | — |
| 营业利润率 | -96.0% | 52.2% |
| 净利率 | -73.2% | 38.3% |
| 营收同比 | 18.0% | -3.7% |
| 净利润同比 | -49232.8% | -2.1% |
| 每股收益（稀释后） | $-1.27 | $0.50 |
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ALRSBCAL
| Q4 25 | $45.2M | $42.9M | ||
| Q3 25 | $43.1M | $42.5M | ||
| Q2 25 | $43.0M | $41.4M | ||
| Q1 25 | $41.2M | $42.3M | ||
| Q4 24 | $38.3M | $44.5M | ||
| Q3 24 | $22.5M | $36.9M | ||
| Q2 24 | $24.0M | $21.0M | ||
| Q1 24 | $22.2M | $20.5M |
净利润ALRSBCAL
| Q4 25 | $-33.1M | $16.4M | ||
| Q3 25 | $16.9M | $15.7M | ||
| Q2 25 | $20.3M | $14.1M | ||
| Q1 25 | $13.3M | $16.9M | ||
| Q4 24 | $-67.0K | $16.8M | ||
| Q3 24 | $5.2M | $-16.5M | ||
| Q2 24 | $6.2M | $190.0K | ||
| Q1 24 | $6.4M | $4.9M |
营业利润率ALRSBCAL
| Q4 25 | -96.0% | 52.2% | ||
| Q3 25 | 51.1% | 51.3% | ||
| Q2 25 | 61.2% | 48.5% | ||
| Q1 25 | 42.7% | 56.0% | ||
| Q4 24 | -0.8% | 52.2% | ||
| Q3 24 | 30.2% | -61.0% | ||
| Q2 24 | 33.9% | 1.3% | ||
| Q1 24 | 38.4% | 35.4% |
净利率ALRSBCAL
| Q4 25 | -73.2% | 38.3% | ||
| Q3 25 | 39.2% | 36.9% | ||
| Q2 25 | 47.1% | 34.0% | ||
| Q1 25 | 32.4% | 39.9% | ||
| Q4 24 | -0.2% | 37.7% | ||
| Q3 24 | 23.1% | -44.6% | ||
| Q2 24 | 25.9% | 0.9% | ||
| Q1 24 | 28.9% | 24.1% |
每股收益（稀释后）ALRSBCAL
| Q4 25 | $-1.27 | $0.50 | ||
| Q3 25 | $0.65 | $0.48 | ||
| Q2 25 | $0.78 | $0.43 | ||
| Q1 25 | $0.52 | $0.52 | ||
| Q4 24 | $-0.06 | $0.54 | ||
| Q3 24 | $0.26 | $-0.59 | ||
| Q2 24 | $0.31 | $0.01 | ||
| Q1 24 | $0.32 | $0.26 |
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 | $399.9M |
| 总债务越低越好 | $59.2M | $33.8M |
| 股东权益账面价值 | $564.9M | $576.6M |
| 总资产 | $5.2B | $4.0B |
| 负债/权益比越低杠杆越低 | 0.10× | 0.06× |
8季度趋势，按日历期对齐
现金及短期投资ALRSBCAL
| Q4 25 | $67.2M | $399.9M | ||
| Q3 25 | $92.0M | $559.2M | ||
| Q2 25 | $80.9M | $430.1M | ||
| Q1 25 | $83.0M | $439.2M | ||
| Q4 24 | $61.2M | $388.2M | ||
| Q3 24 | $66.0M | $614.4M | ||
| Q2 24 | $438.1M | $104.7M | ||
| Q1 24 | $545.8M | $86.5M |
总债务ALRSBCAL
| Q4 25 | $59.2M | $33.8M | ||
| Q3 25 | $59.2M | $33.4M | ||
| Q2 25 | $59.1M | $52.9M | ||
| Q1 25 | $59.1M | $70.3M | ||
| Q4 24 | $59.1M | $69.7M | ||
| Q3 24 | $59.0M | $69.1M | ||
| Q2 24 | $59.0M | $42.9M | ||
| Q1 24 | $59.0M | $44.9M |
股东权益ALRSBCAL
| Q4 25 | $564.9M | $576.6M | ||
| Q3 25 | $550.7M | $564.7M | ||
| Q2 25 | $533.2M | $547.6M | ||
| Q1 25 | $514.2M | $531.4M | ||
| Q4 24 | $495.4M | $511.8M | ||
| Q3 24 | $386.5M | $498.1M | ||
| Q2 24 | $373.2M | $293.2M | ||
| Q1 24 | $371.6M | $292.5M |
总资产ALRSBCAL
| Q4 25 | $5.2B | $4.0B | ||
| Q3 25 | $5.3B | $4.1B | ||
| Q2 25 | $5.3B | $4.0B | ||
| Q1 25 | $5.3B | $4.0B | ||
| Q4 24 | $5.3B | $4.0B | ||
| Q3 24 | $4.4B | $4.4B | ||
| Q2 24 | $4.4B | $2.3B | ||
| Q1 24 | $4.3B | $2.3B |
负债/权益比ALRSBCAL
| Q4 25 | 0.10× | 0.06× | ||
| Q3 25 | 0.11× | 0.06× | ||
| Q2 25 | 0.11× | 0.10× | ||
| Q1 25 | 0.11× | 0.13× | ||
| Q4 24 | 0.12× | 0.14× | ||
| Q3 24 | 0.15× | 0.14× | ||
| Q2 24 | 0.16× | 0.15× | ||
| Q1 24 | 0.16× | 0.15× |
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 | $20.9M |
| 自由现金流经营现金流 - 资本支出 | $15.3M | $20.8M |
| 自由现金流率自由现金流/营收 | 33.9% | 48.5% |
| 资本支出强度资本支出/营收 | 2.3% | 0.2% |
| 现金转化率经营现金流/净利润 | — | 1.27× |
| 过去12个月自由现金流最近4个季度 | $58.8M | $56.9M |
8季度趋势，按日历期对齐
经营现金流ALRSBCAL
| Q4 25 | $16.3M | $20.9M | ||
| Q3 25 | $32.8M | $16.0M | ||
| Q2 25 | $10.7M | $13.4M | ||
| Q1 25 | $7.7M | $7.0M | ||
| Q4 24 | $2.3M | $23.6M | ||
| Q3 24 | $20.2M | $18.3M | ||
| Q2 24 | $-12.5M | $309.0K | ||
| Q1 24 | $11.7M | $8.1M |
自由现金流ALRSBCAL
| Q4 25 | $15.3M | $20.8M | ||
| Q3 25 | $30.3M | $15.9M | ||
| Q2 25 | $7.6M | $13.4M | ||
| Q1 25 | $5.7M | $6.9M | ||
| Q4 24 | $-2.7M | $23.5M | ||
| Q3 24 | $17.4M | $18.1M | ||
| Q2 24 | $-16.1M | $171.0K | ||
| Q1 24 | $10.8M | $8.0M |
自由现金流率ALRSBCAL
| Q4 25 | 33.9% | 48.5% | ||
| Q3 25 | 70.3% | 37.3% | ||
| Q2 25 | 17.6% | 32.3% | ||
| Q1 25 | 13.8% | 16.3% | ||
| Q4 24 | -7.1% | 52.7% | ||
| Q3 24 | 77.3% | 49.0% | ||
| Q2 24 | -67.3% | 0.8% | ||
| Q1 24 | 48.7% | 38.9% |
资本支出强度ALRSBCAL
| Q4 25 | 2.3% | 0.2% | ||
| Q3 25 | 5.7% | 0.3% | ||
| Q2 25 | 7.3% | 0.1% | ||
| Q1 25 | 5.0% | 0.2% | ||
| Q4 24 | 13.2% | 0.3% | ||
| Q3 24 | 12.3% | 0.5% | ||
| Q2 24 | 15.4% | 0.7% | ||
| Q1 24 | 4.0% | 0.4% |
现金转化率ALRSBCAL
| Q4 25 | — | 1.27× | ||
| Q3 25 | 1.94× | 1.02× | ||
| Q2 25 | 0.53× | 0.95× | ||
| Q1 25 | 0.58× | 0.41× | ||
| Q4 24 | — | 1.41× | ||
| Q3 24 | 3.88× | — | ||
| Q2 24 | -2.01× | 1.63× | ||
| Q1 24 | 1.82× | 1.63× |
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% |
BCAL
暂无分部数据
