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ALERUS FINANCIAL CORP（ALRS）与道富集团（STT）财务数据对比。点击上方公司名可切换其他公司
道富集团的季度营收约是ALERUS FINANCIAL CORP的81.2倍（$3.7B vs $45.2M）。道富集团净利率更高（20.4% vs -73.2%，领先93.5%）。ALERUS FINANCIAL CORP同比增速更快（18.0% vs 7.5%）。道富集团自由现金流更多（$9.8B vs $15.3M）。过去两年ALERUS FINANCIAL CORP的营收复合增速更高（42.6% vs 8.1%）
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。
道富集团是总部位于美国波士顿的跨国金融服务及银行控股公司，历史可追溯至1792年成立的联合银行，是美国运营历史第二悠久的存续银行。作为全球顶尖的资产管理与托管机构，截至2025年第三季度，其管理资产规模约5.4万亿美元，托管及管理资产总规模达51.7万亿美元。
ALRS vs STT — 直观对比
营收规模更大
STT
是对方的81.2倍
$45.2M
营收增速更快
ALRS
高出10.5%
7.5%
净利率更高
STT
高出93.5%
-73.2%
自由现金流更多
STT
多$9.8B
$15.3M
两年增速更快
ALRS
近两年复合增速
8.1%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $45.2M | $3.7B |
| 净利润 | $-33.1M | $747.0M |
| 毛利率 | — | — |
| 营业利润率 | -96.0% | 25.0% |
| 净利率 | -73.2% | 20.4% |
| 营收同比 | 18.0% | 7.5% |
| 净利润同比 | -49232.8% | -4.6% |
| 每股收益（稀释后） | $-1.27 | $2.41 |
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ALRSSTT
| Q4 25 | $45.2M | $3.7B | ||
| Q3 25 | $43.1M | $3.5B | ||
| Q2 25 | $43.0M | $3.4B | ||
| Q1 25 | $41.2M | $3.3B | ||
| Q4 24 | $38.3M | $3.4B | ||
| Q3 24 | $22.5M | $3.3B | ||
| Q2 24 | $24.0M | $3.2B | ||
| Q1 24 | $22.2M | $3.1B |
净利润ALRSSTT
| Q4 25 | $-33.1M | $747.0M | ||
| Q3 25 | $16.9M | $861.0M | ||
| Q2 25 | $20.3M | $693.0M | ||
| Q1 25 | $13.3M | $644.0M | ||
| Q4 24 | $-67.0K | $783.0M | ||
| Q3 24 | $5.2M | $730.0M | ||
| Q2 24 | $6.2M | $711.0M | ||
| Q1 24 | $6.4M | $463.0M |
营业利润率ALRSSTT
| Q4 25 | -96.0% | 25.0% | ||
| Q3 25 | 51.1% | 31.1% | ||
| Q2 25 | 61.2% | 25.8% | ||
| Q1 25 | 42.7% | 25.0% | ||
| Q4 24 | -0.8% | 28.1% | ||
| Q3 24 | 30.2% | 28.4% | ||
| Q2 24 | 33.9% | 28.6% | ||
| Q1 24 | 38.4% | 19.1% |
净利率ALRSSTT
| Q4 25 | -73.2% | 20.4% | ||
| Q3 25 | 39.2% | 24.3% | ||
| Q2 25 | 47.1% | 20.1% | ||
| Q1 25 | 32.4% | 19.6% | ||
| Q4 24 | -0.2% | 22.9% | ||
| Q3 24 | 23.1% | 22.4% | ||
| Q2 24 | 25.9% | 22.3% | ||
| Q1 24 | 28.9% | 14.8% |
每股收益（稀释后）ALRSSTT
| Q4 25 | $-1.27 | $2.41 | ||
| Q3 25 | $0.65 | $2.78 | ||
| Q2 25 | $0.78 | $2.17 | ||
| Q1 25 | $0.52 | $2.04 | ||
| Q4 24 | $-0.06 | $2.43 | ||
| Q3 24 | $0.26 | $2.26 | ||
| Q2 24 | $0.31 | $2.15 | ||
| Q1 24 | $0.32 | $1.37 |
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 | $27.8B |
| 总资产 | $5.2B | $366.0B |
| 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ALRSSTT
| 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ALRSSTT
| 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ALRSSTT
| Q4 25 | $564.9M | $27.8B | ||
| Q3 25 | $550.7M | $27.6B | ||
| Q2 25 | $533.2M | $27.3B | ||
| Q1 25 | $514.2M | $26.7B | ||
| Q4 24 | $495.4M | $25.3B | ||
| Q3 24 | $386.5M | $25.8B | ||
| Q2 24 | $373.2M | $24.8B | ||
| Q1 24 | $371.6M | $24.4B |
总资产ALRSSTT
| Q4 25 | $5.2B | $366.0B | ||
| Q3 25 | $5.3B | $371.1B | ||
| Q2 25 | $5.3B | $376.7B | ||
| Q1 25 | $5.3B | $372.7B | ||
| Q4 24 | $5.3B | $353.2B | ||
| Q3 24 | $4.4B | $338.5B | ||
| Q2 24 | $4.4B | $325.6B | ||
| Q1 24 | $4.3B | $338.0B |
负债/权益比ALRSSTT
| 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 | $10.0B |
| 自由现金流经营现金流 - 资本支出 | $15.3M | $9.8B |
| 自由现金流率自由现金流/营收 | 33.9% | 266.6% |
| 资本支出强度资本支出/营收 | 2.3% | 7.3% |
| 现金转化率经营现金流/净利润 | — | 13.44× |
| 过去12个月自由现金流最近4个季度 | $58.8M | $10.8B |
8季度趋势，按日历期对齐
经营现金流ALRSSTT
| Q4 25 | $16.3M | $10.0B | ||
| Q3 25 | $32.8M | $7.9B | ||
| Q2 25 | $10.7M | $-8.4B | ||
| Q1 25 | $7.7M | $2.4B | ||
| Q4 24 | $2.3M | $-7.4B | ||
| Q3 24 | $20.2M | $2.7B | ||
| Q2 24 | $-12.5M | $-7.6B | ||
| Q1 24 | $11.7M | $-844.0M |
自由现金流ALRSSTT
| Q4 25 | $15.3M | $9.8B | ||
| Q3 25 | $30.3M | $7.7B | ||
| Q2 25 | $7.6M | $-8.8B | ||
| Q1 25 | $5.7M | $2.2B | ||
| Q4 24 | $-2.7M | $-7.7B | ||
| Q3 24 | $17.4M | $2.5B | ||
| Q2 24 | $-16.1M | $-7.9B | ||
| Q1 24 | $10.8M | $-1.1B |
自由现金流率ALRSSTT
| Q4 25 | 33.9% | 266.6% | ||
| Q3 25 | 70.3% | 216.0% | ||
| Q2 25 | 17.6% | -254.1% | ||
| Q1 25 | 13.8% | 66.1% | ||
| Q4 24 | -7.1% | -225.1% | ||
| Q3 24 | 77.3% | 75.9% | ||
| Q2 24 | -67.3% | -246.2% | ||
| Q1 24 | 48.7% | -34.2% |
资本支出强度ALRSSTT
| Q4 25 | 2.3% | 7.3% | ||
| Q3 25 | 5.7% | 6.9% | ||
| Q2 25 | 7.3% | 9.3% | ||
| Q1 25 | 5.0% | 6.9% | ||
| Q4 24 | 13.2% | 7.3% | ||
| Q3 24 | 12.3% | 7.2% | ||
| Q2 24 | 15.4% | 6.7% | ||
| Q1 24 | 4.0% | 7.3% |
现金转化率ALRSSTT
| Q4 25 | — | 13.44× | ||
| Q3 25 | 1.94× | 9.18× | ||
| Q2 25 | 0.53× | -12.18× | ||
| Q1 25 | 0.58× | 3.72× | ||
| Q4 24 | — | -9.49× | ||
| Q3 24 | 3.88× | 3.71× | ||
| Q2 24 | -2.01× | -10.75× | ||
| Q1 24 | 1.82× | -1.82× |
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% |
STT
| Other | $2.1B | 56% |
| Investment Management | $729.0M | 20% |
| Management Services | $662.0M | 18% |
| Foreign Exchange Trading Services | $102.0M | 3% |
| Other Fee Revenue | $56.0M | 2% |
| Securities Financing Services | $54.0M | 1% |
