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Amerant Bancorp Inc.（AMTB）与AMERISERV FINANCIAL INC（ASRV）财务数据对比。点击上方公司名可切换其他公司
Amerant Bancorp Inc.的季度营收约是AMERISERV FINANCIAL INC的23.1倍（$90.2M vs $3.9M）。AMERISERV FINANCIAL INC净利率更高（36.9% vs 3.0%，领先33.9%）。Amerant Bancorp Inc.同比增速更快（2.9% vs 2.4%）。过去两年Amerant Bancorp Inc.的营收复合增速更高（7.5% vs -1.9%）
阿梅兰特银行是一家注册于美国佛罗里达州的本土银行，总部坐落于佛罗里达州科勒尔盖布尔斯。目前该行在佛罗里达州共设有19家实体分行，通过自有运营及合作网络可提供超过5.5万台ATM的取款服务。
Ameriserv Financial Inc.是总部位于美国宾夕法尼亚州的区域金融服务控股公司，主要为当地个人消费者及中小企业提供零售与商业银行业务，包括存款、各类贷款及财富管理解决方案。
AMTB vs ASRV — 直观对比
营收规模更大
AMTB
是对方的23.1倍
$3.9M
营收增速更快
AMTB
高出0.5%
2.4%
净利率更高
ASRV
高出33.9%
3.0%
两年增速更快
AMTB
近两年复合增速
-1.9%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $90.2M | $3.9M |
| 净利润 | $2.7M | $1.4M |
| 毛利率 | — | — |
| 营业利润率 | 2.1% | 43.0% |
| 净利率 | 3.0% | 36.9% |
| 营收同比 | 2.9% | 2.4% |
| 净利润同比 | -84.0% | 62.2% |
| 每股收益（稀释后） | $0.08 | $0.09 |
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AMTBASRV
| Q4 25 | $90.2M | $3.9M | ||
| Q3 25 | $94.2M | $3.7M | ||
| Q2 25 | $90.5M | $3.6M | ||
| Q1 25 | $85.9M | $3.5M | ||
| Q4 24 | $87.6M | $3.8M | ||
| Q3 24 | $81.0M | $3.9M | ||
| Q2 24 | $79.4M | $3.9M | ||
| Q1 24 | $78.0M | $4.1M |
净利润AMTBASRV
| Q4 25 | $2.7M | $1.4M | ||
| Q3 25 | $14.8M | $2.5M | ||
| Q2 25 | $23.0M | $-282.0K | ||
| Q1 25 | $12.0M | $1.9M | ||
| Q4 24 | $16.9M | $889.0K | ||
| Q3 24 | $-48.2M | $1.2M | ||
| Q2 24 | $5.0M | $-375.0K | ||
| Q1 24 | $10.6M | $1.9M |
营业利润率AMTBASRV
| Q4 25 | 2.1% | 43.0% | ||
| Q3 25 | 20.2% | 84.3% | ||
| Q2 25 | 32.9% | -9.8% | ||
| Q1 25 | 18.0% | 68.8% | ||
| Q4 24 | 20.6% | 28.2% | ||
| Q3 24 | -76.4% | 36.6% | ||
| Q2 24 | 8.0% | -12.5% | ||
| Q1 24 | 17.3% | 58.8% |
净利率AMTBASRV
| Q4 25 | 3.0% | 36.9% | ||
| Q3 25 | 15.7% | 69.5% | ||
| Q2 25 | 25.4% | -7.8% | ||
| Q1 25 | 13.9% | 55.0% | ||
| Q4 24 | 19.3% | 23.3% | ||
| Q3 24 | -59.5% | 30.5% | ||
| Q2 24 | 6.3% | -9.7% | ||
| Q1 24 | 13.6% | 46.9% |
每股收益（稀释后）AMTBASRV
| Q4 25 | $0.08 | $0.09 | ||
| Q3 25 | $0.35 | $0.15 | ||
| Q2 25 | $0.55 | $-0.02 | ||
| Q1 25 | $0.28 | $0.12 | ||
| Q4 24 | $0.53 | $0.05 | ||
| Q3 24 | $-1.43 | $0.07 | ||
| Q2 24 | $0.15 | $-0.02 | ||
| Q1 24 | $0.31 | $0.11 |
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 | — | — |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $938.8M | $119.3M |
| 总资产 | $9.8B | $1.5B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
股东权益AMTBASRV
| Q4 25 | $938.8M | $119.3M | ||
| Q3 25 | $944.9M | $114.6M | ||
| Q2 25 | $924.3M | $110.9M | ||
| Q1 25 | $906.3M | $110.8M | ||
| Q4 24 | $890.5M | $107.2M | ||
| Q3 24 | $902.9M | $108.2M | ||
| Q2 24 | $734.3M | $103.7M | ||
| Q1 24 | $738.1M | $103.9M |
总资产AMTBASRV
| Q4 25 | $9.8B | $1.5B | ||
| Q3 25 | $10.4B | $1.5B | ||
| Q2 25 | $10.3B | $1.4B | ||
| Q1 25 | $10.2B | $1.4B | ||
| Q4 24 | $9.9B | $1.4B | ||
| Q3 24 | $10.4B | $1.4B | ||
| Q2 24 | $9.7B | $1.4B | ||
| Q1 24 | $9.8B | $1.4B |
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 | $36.5M | $1.2M |
| 自由现金流经营现金流 - 资本支出 | $31.3M | — |
| 自由现金流率自由现金流/营收 | 34.7% | — |
| 资本支出强度资本支出/营收 | 5.8% | — |
| 现金转化率经营现金流/净利润 | 13.51× | 0.86× |
| 过去12个月自由现金流最近4个季度 | $127.2M | — |
8季度趋势，按日历期对齐
经营现金流AMTBASRV
| Q4 25 | $36.5M | $1.2M | ||
| Q3 25 | $22.7M | $1.4M | ||
| Q2 25 | $57.6M | $-62.0K | ||
| Q1 25 | $20.2M | $599.0K | ||
| Q4 24 | $77.5M | $3.4M | ||
| Q3 24 | $4.2M | $-235.0K | ||
| Q2 24 | $-2.3M | $1.7M | ||
| Q1 24 | $2.8M | $-2.2M |
自由现金流AMTBASRV
| Q4 25 | $31.3M | — | ||
| Q3 25 | $21.7M | — | ||
| Q2 25 | $56.3M | — | ||
| Q1 25 | $18.0M | — | ||
| Q4 24 | $76.7M | — | ||
| Q3 24 | $2.6M | — | ||
| Q2 24 | $-3.9M | — | ||
| Q1 24 | $-694.0K | — |
自由现金流率AMTBASRV
| Q4 25 | 34.7% | — | ||
| Q3 25 | 23.0% | — | ||
| Q2 25 | 62.2% | — | ||
| Q1 25 | 21.0% | — | ||
| Q4 24 | 87.6% | — | ||
| Q3 24 | 3.2% | — | ||
| Q2 24 | -4.9% | — | ||
| Q1 24 | -0.9% | — |
资本支出强度AMTBASRV
| Q4 25 | 5.8% | — | ||
| Q3 25 | 1.1% | — | ||
| Q2 25 | 1.5% | — | ||
| Q1 25 | 2.6% | — | ||
| Q4 24 | 0.9% | — | ||
| Q3 24 | 2.0% | — | ||
| Q2 24 | 1.9% | — | ||
| Q1 24 | 4.5% | — |
现金转化率AMTBASRV
| Q4 25 | 13.51× | 0.86× | ||
| Q3 25 | 1.54× | 0.55× | ||
| Q2 25 | 2.50× | — | ||
| Q1 25 | 1.69× | 0.31× | ||
| Q4 24 | 4.59× | 3.79× | ||
| Q3 24 | — | -0.20× | ||
| Q2 24 | -0.47× | — | ||
| Q1 24 | 0.26× | -1.13× |
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
AMTB
| Other | $36.0M | 40% |
| Commercial Portfolio Segment | $25.7M | 28% |
| Commercial Real Estate Portfolio Segment | $17.3M | 19% |
| Consumer Portfolio Segment | $11.1M | 12% |
ASRV
暂无分部数据
