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ALERUS FINANCIAL CORP（ALRS）与富兰克林邓普顿（BEN）财务数据对比。点击上方公司名可切换其他公司
富兰克林邓普顿的季度营收约是ALERUS FINANCIAL CORP的51.5倍（$2.3B vs $45.2M）。富兰克林邓普顿净利率更高（11.0% vs -73.2%，领先84.1%）。ALERUS FINANCIAL CORP同比增速更快（18.0% vs 3.4%）。过去两年ALERUS FINANCIAL CORP的营收复合增速更高（42.6% vs 4.0%）
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。
富兰克林资源（运营品牌为富兰克林邓普顿）是美国跨国投资管理控股集团，1947年创立于纽约，纽交所上市代码为BEN，命名源自创始人敬仰的本杰明·富兰克林，是全球知名的综合投资服务机构。
ALRS vs BEN — 直观对比
营收规模更大
BEN
是对方的51.5倍
$45.2M
营收增速更快
ALRS
高出14.6%
3.4%
净利率更高
BEN
高出84.1%
-73.2%
两年增速更快
ALRS
近两年复合增速
4.0%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $45.2M | $2.3B |
| 净利润 | $-33.1M | $255.5M |
| 毛利率 | — | — |
| 营业利润率 | -96.0% | 12.1% |
| 净利率 | -73.2% | 11.0% |
| 营收同比 | 18.0% | 3.4% |
| 净利润同比 | -49232.8% | 56.2% |
| 每股收益（稀释后） | $-1.27 | $0.46 |
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ALRSBEN
| Q4 25 | $45.2M | $2.3B | ||
| Q3 25 | $43.1M | $2.3B | ||
| Q2 25 | $43.0M | $2.1B | ||
| Q1 25 | $41.2M | $2.1B | ||
| Q4 24 | $38.3M | $2.3B | ||
| Q3 24 | $22.5M | $2.2B | ||
| Q2 24 | $24.0M | $2.1B | ||
| Q1 24 | $22.2M | $2.2B |
净利润ALRSBEN
| Q4 25 | $-33.1M | $255.5M | ||
| Q3 25 | $16.9M | $117.6M | ||
| Q2 25 | $20.3M | $92.3M | ||
| Q1 25 | $13.3M | $151.4M | ||
| Q4 24 | $-67.0K | $163.6M | ||
| Q3 24 | $5.2M | $-84.7M | ||
| Q2 24 | $6.2M | $174.0M | ||
| Q1 24 | $6.4M | $124.2M |
营业利润率ALRSBEN
| Q4 25 | -96.0% | 12.1% | ||
| Q3 25 | 51.1% | 3.6% | ||
| Q2 25 | 61.2% | 7.5% | ||
| Q1 25 | 42.7% | 6.9% | ||
| Q4 24 | -0.8% | 9.7% | ||
| Q3 24 | 30.2% | -6.8% | ||
| Q2 24 | 33.9% | 10.5% | ||
| Q1 24 | 38.4% | 6.0% |
净利率ALRSBEN
| Q4 25 | -73.2% | 11.0% | ||
| Q3 25 | 39.2% | 5.0% | ||
| Q2 25 | 47.1% | 4.5% | ||
| Q1 25 | 32.4% | 7.2% | ||
| Q4 24 | -0.2% | 7.3% | ||
| Q3 24 | 23.1% | -3.8% | ||
| Q2 24 | 25.9% | 8.2% | ||
| Q1 24 | 28.9% | 5.8% |
每股收益（稀释后）ALRSBEN
| Q4 25 | $-1.27 | $0.46 | ||
| Q3 25 | $0.65 | $0.21 | ||
| Q2 25 | $0.78 | $0.15 | ||
| Q1 25 | $0.52 | $0.26 | ||
| Q4 24 | $-0.06 | $0.29 | ||
| Q3 24 | $0.26 | $-0.20 | ||
| Q2 24 | $0.31 | $0.32 | ||
| Q1 24 | $0.32 | $0.23 |
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 | $2.4B |
| 股东权益账面价值 | $564.9M | $12.1B |
| 总资产 | $5.2B | $32.5B |
| 负债/权益比越低杠杆越低 | 0.10× | 0.19× |
8季度趋势，按日历期对齐
现金及短期投资ALRSBEN
| 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ALRSBEN
| Q4 25 | $59.2M | $2.4B | ||
| Q3 25 | $59.2M | $2.4B | ||
| Q2 25 | $59.1M | $2.7B | ||
| Q1 25 | $59.1M | $2.7B | ||
| Q4 24 | $59.1M | $2.8B | ||
| Q3 24 | $59.0M | $2.8B | ||
| Q2 24 | $59.0M | $3.0B | ||
| Q1 24 | $59.0M | $3.0B |
股东权益ALRSBEN
| Q4 25 | $564.9M | $12.1B | ||
| Q3 25 | $550.7M | $12.1B | ||
| Q2 25 | $533.2M | $12.2B | ||
| Q1 25 | $514.2M | $12.3B | ||
| Q4 24 | $495.4M | $12.5B | ||
| Q3 24 | $386.5M | $12.5B | ||
| Q2 24 | $373.2M | $12.9B | ||
| Q1 24 | $371.6M | $12.9B |
总资产ALRSBEN
| Q4 25 | $5.2B | $32.5B | ||
| Q3 25 | $5.3B | $32.4B | ||
| Q2 25 | $5.3B | $32.6B | ||
| Q1 25 | $5.3B | $32.0B | ||
| Q4 24 | $5.3B | $32.4B | ||
| Q3 24 | $4.4B | $32.5B | ||
| Q2 24 | $4.4B | $33.3B | ||
| Q1 24 | $4.3B | $32.9B |
负债/权益比ALRSBEN
| Q4 25 | 0.10× | 0.19× | ||
| Q3 25 | 0.11× | 0.20× | ||
| Q2 25 | 0.11× | 0.22× | ||
| Q1 25 | 0.11× | 0.22× | ||
| Q4 24 | 0.12× | 0.22× | ||
| Q3 24 | 0.15× | 0.22× | ||
| Q2 24 | 0.16× | 0.24× | ||
| Q1 24 | 0.16× | 0.24× |
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 | $-255.1M |
| 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 | — | -1.00× |
| 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ALRSBEN
| Q4 25 | $16.3M | $-255.1M | ||
| Q3 25 | $32.8M | $-20.7M | ||
| Q2 25 | $10.7M | $1.3B | ||
| Q1 25 | $7.7M | $-50.1M | ||
| Q4 24 | $2.3M | $-145.2M | ||
| Q3 24 | $20.2M | $558.2M | ||
| Q2 24 | $-12.5M | $528.4M | ||
| Q1 24 | $11.7M | $136.6M |
自由现金流ALRSBEN
| Q4 25 | $15.3M | — | ||
| Q3 25 | $30.3M | $-51.9M | ||
| Q2 25 | $7.6M | $1.3B | ||
| Q1 25 | $5.7M | $-87.6M | ||
| Q4 24 | $-2.7M | $-217.0M | ||
| Q3 24 | $17.4M | $488.4M | ||
| Q2 24 | $-16.1M | $482.3M | ||
| Q1 24 | $10.8M | $94.9M |
自由现金流率ALRSBEN
| Q4 25 | 33.9% | — | ||
| Q3 25 | 70.3% | -2.2% | ||
| Q2 25 | 17.6% | 61.4% | ||
| Q1 25 | 13.8% | -4.1% | ||
| Q4 24 | -7.1% | -9.6% | ||
| Q3 24 | 77.3% | 22.1% | ||
| Q2 24 | -67.3% | 22.7% | ||
| Q1 24 | 48.7% | 4.4% |
资本支出强度ALRSBEN
| Q4 25 | 2.3% | — | ||
| Q3 25 | 5.7% | 1.3% | ||
| Q2 25 | 7.3% | 0.7% | ||
| Q1 25 | 5.0% | 1.8% | ||
| Q4 24 | 13.2% | 3.2% | ||
| Q3 24 | 12.3% | 3.2% | ||
| Q2 24 | 15.4% | 2.2% | ||
| Q1 24 | 4.0% | 1.9% |
现金转化率ALRSBEN
| Q4 25 | — | -1.00× | ||
| Q3 25 | 1.94× | -0.18× | ||
| Q2 25 | 0.53× | 13.89× | ||
| Q1 25 | 0.58× | -0.33× | ||
| Q4 24 | — | -0.89× | ||
| Q3 24 | 3.88× | — | ||
| Q2 24 | -2.01× | 3.04× | ||
| Q1 24 | 1.82× | 1.10× |
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% |
BEN
| Investment Advisory Management And Administrative Service | $1.8B | 79% |
| Sales And Distribution Fees | $388.7M | 17% |
| Shareholder Service | $70.9M | 3% |
| Service Other | $19.6M | 1% |
