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ALERUS FINANCIAL CORP（ALRS）与Truist Financial（TFC）财务数据对比。点击上方公司名可切换其他公司
Truist Financial的季度营收约是ALERUS FINANCIAL CORP的81.9倍（$3.7B vs $45.2M）。Truist Financial净利率更高（36.6% vs -73.2%，领先109.8%）。ALERUS FINANCIAL CORP同比增速更快（18.0% vs 3.1%）。过去两年ALERUS FINANCIAL CORP的营收复合增速更高（42.6% vs 4.8%）
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。
Truist Financial是美国银行控股公司，总部位于北卡罗来纳州夏洛特，2019年12月由BB&T与SunTrust合并组建。旗下银行在15个州及华盛顿特区共运营1928家网点，提供零售、商业、投资银行、证券经纪、资产管理、抵押贷款、保险等多元金融产品服务，为美国第十大银行，总资产达5230亿美元。
ALRS vs TFC — 直观对比
营收规模更大
TFC
是对方的81.9倍
$45.2M
营收增速更快
ALRS
高出14.9%
3.1%
净利率更高
TFC
高出109.8%
-73.2%
两年增速更快
ALRS
近两年复合增速
4.8%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $45.2M | $3.7B |
| 净利润 | $-33.1M | $1.4B |
| 毛利率 | — | — |
| 营业利润率 | -96.0% | 42.3% |
| 净利率 | -73.2% | 36.6% |
| 营收同比 | 18.0% | 3.1% |
| 净利润同比 | -49232.8% | 6.1% |
| 每股收益（稀释后） | $-1.27 | $1.01 |
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ALRSTFC
| Q4 25 | $45.2M | $3.7B | ||
| Q3 25 | $43.1M | $3.6B | ||
| Q2 25 | $43.0M | $3.6B | ||
| Q1 25 | $41.2M | $3.5B | ||
| Q4 24 | $38.3M | $3.6B | ||
| Q3 24 | $22.5M | $3.6B | ||
| Q2 24 | $24.0M | $3.5B | ||
| Q1 24 | $22.2M | $3.4B |
净利润ALRSTFC
| Q4 25 | $-33.1M | $1.4B | ||
| Q3 25 | $16.9M | $1.5B | ||
| Q2 25 | $20.3M | $1.2B | ||
| Q1 25 | $13.3M | $1.3B | ||
| Q4 24 | $-67.0K | $1.3B | ||
| Q3 24 | $5.2M | $1.4B | ||
| Q2 24 | $6.2M | $922.0M | ||
| Q1 24 | $6.4M | $1.2B |
营业利润率ALRSTFC
| Q4 25 | -96.0% | 42.3% | ||
| Q3 25 | 51.1% | 47.9% | ||
| Q2 25 | 61.2% | 42.2% | ||
| Q1 25 | 42.7% | 43.8% | ||
| Q4 24 | -0.8% | 43.3% | ||
| Q3 24 | 30.2% | 47.5% | ||
| Q2 24 | 33.9% | -148.3% | ||
| Q1 24 | 38.4% | 40.5% |
净利率ALRSTFC
| Q4 25 | -73.2% | 36.6% | ||
| Q3 25 | 39.2% | 40.0% | ||
| Q2 25 | 47.1% | 34.6% | ||
| Q1 25 | 32.4% | 36.0% | ||
| Q4 24 | -0.2% | 35.5% | ||
| Q3 24 | 23.1% | 40.0% | ||
| Q2 24 | 25.9% | 26.1% | ||
| Q1 24 | 28.9% | 35.6% |
每股收益（稀释后）ALRSTFC
| Q4 25 | $-1.27 | $1.01 | ||
| Q3 25 | $0.65 | $1.04 | ||
| Q2 25 | $0.78 | $0.90 | ||
| Q1 25 | $0.52 | $0.87 | ||
| Q4 24 | $-0.06 | $0.94 | ||
| Q3 24 | $0.26 | $0.99 | ||
| Q2 24 | $0.31 | $0.62 | ||
| Q1 24 | $0.32 | $0.81 |
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 | $42.0B |
| 股东权益账面价值 | $564.9M | $65.2B |
| 总资产 | $5.2B | $547.5B |
| 负债/权益比越低杠杆越低 | 0.10× | 0.64× |
8季度趋势，按日历期对齐
现金及短期投资ALRSTFC
| 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ALRSTFC
| Q4 25 | $59.2M | $42.0B | ||
| Q3 25 | $59.2M | $41.7B | ||
| Q2 25 | $59.1M | $44.4B | ||
| Q1 25 | $59.1M | $32.0B | ||
| Q4 24 | $59.1M | $35.0B | ||
| Q3 24 | $59.0M | $36.8B | ||
| Q2 24 | $59.0M | $34.6B | ||
| Q1 24 | $59.0M | $39.1B |
股东权益ALRSTFC
| Q4 25 | $564.9M | $65.2B | ||
| Q3 25 | $550.7M | $65.6B | ||
| Q2 25 | $533.2M | $64.8B | ||
| Q1 25 | $514.2M | $64.6B | ||
| Q4 24 | $495.4M | $63.7B | ||
| Q3 24 | $386.5M | $65.7B | ||
| Q2 24 | $373.2M | $63.8B | ||
| Q1 24 | $371.6M | $59.1B |
总资产ALRSTFC
| Q4 25 | $5.2B | $547.5B | ||
| Q3 25 | $5.3B | $543.9B | ||
| Q2 25 | $5.3B | $543.8B | ||
| Q1 25 | $5.3B | $535.9B | ||
| Q4 24 | $5.3B | $531.2B | ||
| Q3 24 | $4.4B | $523.4B | ||
| Q2 24 | $4.4B | $519.9B | ||
| Q1 24 | $4.3B | $535.0B |
负债/权益比ALRSTFC
| Q4 25 | 0.10× | 0.64× | ||
| Q3 25 | 0.11× | 0.64× | ||
| Q2 25 | 0.11× | 0.69× | ||
| Q1 25 | 0.11× | 0.50× | ||
| Q4 24 | 0.12× | 0.55× | ||
| Q3 24 | 0.15× | 0.56× | ||
| Q2 24 | 0.16× | 0.54× | ||
| Q1 24 | 0.16× | 0.66× |
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 | $2.6B |
| 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 | — | 1.91× |
| 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ALRSTFC
| Q4 25 | $16.3M | $2.6B | ||
| Q3 25 | $32.8M | $1.5B | ||
| Q2 25 | $10.7M | $914.0M | ||
| Q1 25 | $7.7M | $746.0M | ||
| Q4 24 | $2.3M | $775.0M | ||
| Q3 24 | $20.2M | $1.5B | ||
| Q2 24 | $-12.5M | $845.0M | ||
| Q1 24 | $11.7M | $-990.0M |
自由现金流ALRSTFC
| 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ALRSTFC
| 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ALRSTFC
| 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ALRSTFC
| Q4 25 | — | 1.91× | ||
| Q3 25 | 1.94× | 1.03× | ||
| Q2 25 | 0.53× | 0.74× | ||
| Q1 25 | 0.58× | 0.59× | ||
| Q4 24 | — | 0.61× | ||
| Q3 24 | 3.88× | 1.06× | ||
| Q2 24 | -2.01× | 0.92× | ||
| Q1 24 | 1.82× | -0.82× |
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% |
TFC
暂无分部数据
