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ALERUS FINANCIAL CORP（ALRS）与COMERICA INC（CMA）财务数据对比。点击上方公司名可切换其他公司
COMERICA INC的季度营收约是ALERUS FINANCIAL CORP的4.1倍（$187.0M vs $45.2M）。COMERICA INC净利率更高（94.1% vs -73.2%，领先167.3%）。ALERUS FINANCIAL CORP同比增速更快（18.0% vs -2.1%）。过去两年ALERUS FINANCIAL CORP的营收复合增速更高（42.6% vs -1.3%）
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。
Comerica公司是总部位于美国得克萨斯州达拉斯的金融服务企业，为美国大型金融控股公司之一。旗下Comerica银行为区域性商业银行，在得克萨斯、密歇根、加利福尼亚、佛罗里达、亚利桑那五州共设413家网点，在美国多座城市设有办公场所。
ALRS vs CMA — 直观对比
营收规模更大
CMA
是对方的4.1倍
$45.2M
营收增速更快
ALRS
高出20.1%
-2.1%
净利率更高
CMA
高出167.3%
-73.2%
两年增速更快
ALRS
近两年复合增速
-1.3%
损益表 — Q4 2025 vs Q3 2025
| 指标 | | |
|---|---|---|
| 营收 | $45.2M | $187.0M |
| 净利润 | $-33.1M | $176.0M |
| 毛利率 | — | — |
| 营业利润率 | -96.0% | — |
| 净利率 | -73.2% | 94.1% |
| 营收同比 | 18.0% | -2.1% |
| 净利润同比 | -49232.8% | -4.3% |
| 每股收益（稀释后） | $-1.27 | $1.35 |
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ALRSCMA
| Q4 25 | $45.2M | — | ||
| Q3 25 | $43.1M | $187.0M | ||
| Q2 25 | $43.0M | $185.0M | ||
| Q1 25 | $41.2M | $183.0M | ||
| Q4 24 | $38.3M | $191.0M | ||
| Q3 24 | $22.5M | $191.0M | ||
| Q2 24 | $24.0M | $203.0M | ||
| Q1 24 | $22.2M | $187.0M |
净利润ALRSCMA
| Q4 25 | $-33.1M | — | ||
| Q3 25 | $16.9M | $176.0M | ||
| Q2 25 | $20.3M | $199.0M | ||
| Q1 25 | $13.3M | $172.0M | ||
| Q4 24 | $-67.0K | $170.0M | ||
| Q3 24 | $5.2M | $184.0M | ||
| Q2 24 | $6.2M | $206.0M | ||
| Q1 24 | $6.4M | $138.0M |
营业利润率ALRSCMA
| 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% | — | ||
| Q1 24 | 38.4% | — |
净利率ALRSCMA
| Q4 25 | -73.2% | — | ||
| Q3 25 | 39.2% | 94.1% | ||
| Q2 25 | 47.1% | 107.6% | ||
| Q1 25 | 32.4% | 94.0% | ||
| Q4 24 | -0.2% | 89.0% | ||
| Q3 24 | 23.1% | 96.3% | ||
| Q2 24 | 25.9% | 101.5% | ||
| Q1 24 | 28.9% | 73.8% |
每股收益（稀释后）ALRSCMA
| Q4 25 | $-1.27 | — | ||
| Q3 25 | $0.65 | $1.35 | ||
| Q2 25 | $0.78 | $1.42 | ||
| Q1 25 | $0.52 | $1.25 | ||
| Q4 24 | $-0.06 | $1.22 | ||
| Q3 24 | $0.26 | $1.33 | ||
| Q2 24 | $0.31 | $1.49 | ||
| Q1 24 | $0.32 | $0.98 |
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 | $5.4B |
| 股东权益账面价值 | $564.9M | $7.4B |
| 总资产 | $5.2B | $77.4B |
| 负债/权益比越低杠杆越低 | 0.10× | 0.73× |
8季度趋势，按日历期对齐
现金及短期投资ALRSCMA
| 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ALRSCMA
| Q4 25 | $59.2M | — | ||
| Q3 25 | $59.2M | $5.4B | ||
| Q2 25 | $59.1M | $5.8B | ||
| Q1 25 | $59.1M | $5.7B | ||
| Q4 24 | $59.1M | $6.7B | ||
| Q3 24 | $59.0M | $6.8B | ||
| Q2 24 | $59.0M | $7.1B | ||
| Q1 24 | $59.0M | $7.1B |
股东权益ALRSCMA
| Q4 25 | $564.9M | — | ||
| Q3 25 | $550.7M | $7.4B | ||
| Q2 25 | $533.2M | $6.9B | ||
| Q1 25 | $514.2M | $7.1B | ||
| Q4 24 | $495.4M | $6.5B | ||
| Q3 24 | $386.5M | $7.4B | ||
| Q2 24 | $373.2M | $6.2B | ||
| Q1 24 | $371.6M | $6.0B |
总资产ALRSCMA
| Q4 25 | $5.2B | — | ||
| Q3 25 | $5.3B | $77.4B | ||
| Q2 25 | $5.3B | $78.0B | ||
| Q1 25 | $5.3B | $77.6B | ||
| Q4 24 | $5.3B | $79.3B | ||
| Q3 24 | $4.4B | $79.7B | ||
| Q2 24 | $4.4B | $79.6B | ||
| Q1 24 | $4.3B | $79.4B |
负债/权益比ALRSCMA
| Q4 25 | 0.10× | — | ||
| Q3 25 | 0.11× | 0.73× | ||
| Q2 25 | 0.11× | 0.84× | ||
| Q1 25 | 0.11× | 0.81× | ||
| Q4 24 | 0.12× | 1.02× | ||
| Q3 24 | 0.15× | 0.92× | ||
| Q2 24 | 0.16× | 1.15× | ||
| Q1 24 | 0.16× | 1.18× |
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 | $-270.0M |
| 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 | — | -1.53× |
| 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ALRSCMA
| Q4 25 | $16.3M | — | ||
| Q3 25 | $32.8M | $-270.0M | ||
| Q2 25 | $10.7M | $476.0M | ||
| Q1 25 | $7.7M | $273.0M | ||
| Q4 24 | $2.3M | $-354.0M | ||
| Q3 24 | $20.2M | $1.0B | ||
| Q2 24 | $-12.5M | $111.0M | ||
| Q1 24 | $11.7M | $-205.0M |
自由现金流ALRSCMA
| Q4 25 | $15.3M | — | ||
| Q3 25 | $30.3M | — | ||
| Q2 25 | $7.6M | — | ||
| Q1 25 | $5.7M | — | ||
| Q4 24 | $-2.7M | — | ||
| Q3 24 | $17.4M | — | ||
| Q2 24 | $-16.1M | — | ||
| Q1 24 | $10.8M | — |
自由现金流率ALRSCMA
| Q4 25 | 33.9% | — | ||
| Q3 25 | 70.3% | — | ||
| Q2 25 | 17.6% | — | ||
| Q1 25 | 13.8% | — | ||
| Q4 24 | -7.1% | — | ||
| Q3 24 | 77.3% | — | ||
| Q2 24 | -67.3% | — | ||
| Q1 24 | 48.7% | — |
资本支出强度ALRSCMA
| Q4 25 | 2.3% | — | ||
| Q3 25 | 5.7% | — | ||
| Q2 25 | 7.3% | — | ||
| Q1 25 | 5.0% | — | ||
| Q4 24 | 13.2% | — | ||
| Q3 24 | 12.3% | — | ||
| Q2 24 | 15.4% | — | ||
| Q1 24 | 4.0% | — |
现金转化率ALRSCMA
| Q4 25 | — | — | ||
| Q3 25 | 1.94× | -1.53× | ||
| Q2 25 | 0.53× | 2.39× | ||
| Q1 25 | 0.58× | 1.59× | ||
| Q4 24 | — | -2.08× | ||
| Q3 24 | 3.88× | 5.70× | ||
| Q2 24 | -2.01× | 0.54× | ||
| Q1 24 | 1.82× | -1.49× |
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% |
CMA
| Business Bank | $93.0M | 50% |
| Credit And Debit Card | $47.0M | 25% |
| Retail Bank | $28.0M | 15% |
| Capital Markets | $9.0M | 5% |
| Other | $6.0M | 3% |
| Commercial Loan | $3.0M | 2% |
| Brokerage Commissions Revenue | $1.0M | 1% |
