vs
Amerant Bancorp Inc.（AMTB）与AMES NATIONAL CORP（ATLO）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AMES NATIONAL CORP的5.9倍（$90.2M vs $15.2M）。AMES NATIONAL CORP净利率更高（42.8% vs 3.0%，领先39.8%）。AMES NATIONAL CORP同比增速更快（25.7% vs 2.9%）。Amerant Bancorp Inc.自由现金流更多（$31.3M vs $7.2M）。过去两年AMES NATIONAL CORP的营收复合增速更高（18.2% vs 7.5%）
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。
艾姆斯国家公司是总部位于美国爱荷华州的金融控股企业，运营多家社区银行子公司，提供零售及商业银行全品类服务，涵盖存取款、个人及企业贷款、抵押贷款、财富管理等，主要服务爱荷华州中部的消费者和中小微企业。
AMTB vs ATLO — 直观对比
营收规模更大
AMTB
是对方的5.9倍
$15.2M
营收增速更快
ATLO
高出22.8%
2.9%
净利率更高
ATLO
高出39.8%
3.0%
自由现金流更多
AMTB
多$24.0M
$7.2M
两年增速更快
ATLO
近两年复合增速
7.5%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $90.2M | $15.2M |
| 净利润 | $2.7M | $6.5M |
| 毛利率 | — | — |
| 营业利润率 | 2.1% | 54.3% |
| 净利率 | 3.0% | 42.8% |
| 营收同比 | 2.9% | 25.7% |
| 净利润同比 | -84.0% | 85.4% |
| 每股收益（稀释后） | $0.08 | — |
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AMTBATLO
| Q4 25 | $90.2M | $15.2M | ||
| Q3 25 | $94.2M | $14.0M | ||
| Q2 25 | $90.5M | $13.5M | ||
| Q1 25 | $85.9M | $12.9M | ||
| Q4 24 | $87.6M | $12.1M | ||
| Q3 24 | $81.0M | $11.1M | ||
| Q2 24 | $79.4M | $10.9M | ||
| Q1 24 | $78.0M | $10.9M |
净利润AMTBATLO
| Q4 25 | $2.7M | $6.5M | ||
| Q3 25 | $14.8M | $4.6M | ||
| Q2 25 | $23.0M | $4.5M | ||
| Q1 25 | $12.0M | $3.4M | ||
| Q4 24 | $16.9M | $3.5M | ||
| Q3 24 | $-48.2M | $2.2M | ||
| Q2 24 | $5.0M | $2.2M | ||
| Q1 24 | $10.6M | $2.3M |
营业利润率AMTBATLO
| Q4 25 | 2.1% | 54.3% | ||
| Q3 25 | 20.2% | 40.7% | ||
| Q2 25 | 32.9% | 41.9% | ||
| Q1 25 | 18.0% | 32.8% | ||
| Q4 24 | 20.6% | 35.8% | ||
| Q3 24 | -76.4% | 23.6% | ||
| Q2 24 | 8.0% | 23.6% | ||
| Q1 24 | 17.3% | 24.9% |
净利率AMTBATLO
| Q4 25 | 3.0% | 42.8% | ||
| Q3 25 | 15.7% | 32.5% | ||
| Q2 25 | 25.4% | 33.5% | ||
| Q1 25 | 13.9% | 26.7% | ||
| Q4 24 | 19.3% | 29.0% | ||
| Q3 24 | -59.5% | 20.0% | ||
| Q2 24 | 6.3% | 20.1% | ||
| Q1 24 | 13.6% | 21.1% |
每股收益（稀释后）AMTBATLO
| Q4 25 | $0.08 | — | ||
| Q3 25 | $0.35 | — | ||
| Q2 25 | $0.55 | — | ||
| Q1 25 | $0.28 | — | ||
| Q4 24 | $0.53 | — | ||
| Q3 24 | $-1.43 | — | ||
| Q2 24 | $0.15 | — | ||
| Q1 24 | $0.31 | — |
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 | — | $126.8M |
| 总债务越低越好 | — | $18.4M |
| 股东权益账面价值 | $938.8M | $207.9M |
| 总资产 | $9.8B | $2.1B |
| 负债/权益比越低杠杆越低 | — | 0.09× |
8季度趋势，按日历期对齐
现金及短期投资AMTBATLO
| Q4 25 | — | $126.8M | ||
| Q3 25 | — | $108.2M | ||
| Q2 25 | — | $95.2M | ||
| Q1 25 | — | $163.4M | ||
| Q4 24 | — | $101.2M | ||
| Q3 24 | — | $59.0M | ||
| Q2 24 | — | $63.4M | ||
| Q1 24 | — | $111.4M |
总债务AMTBATLO
| Q4 25 | — | $18.4M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $20.0M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益AMTBATLO
| Q4 25 | $938.8M | $207.9M | ||
| Q3 25 | $944.9M | $200.6M | ||
| Q2 25 | $924.3M | $193.0M | ||
| Q1 25 | $906.3M | $183.1M | ||
| Q4 24 | $890.5M | $174.7M | ||
| Q3 24 | $902.9M | $183.4M | ||
| Q2 24 | $734.3M | $167.1M | ||
| Q1 24 | $738.1M | $165.5M |
总资产AMTBATLO
| Q4 25 | $9.8B | $2.1B | ||
| Q3 25 | $10.4B | $2.1B | ||
| Q2 25 | $10.3B | $2.1B | ||
| Q1 25 | $10.2B | $2.2B | ||
| Q4 24 | $9.9B | $2.1B | ||
| Q3 24 | $10.4B | $2.1B | ||
| Q2 24 | $9.7B | $2.1B | ||
| Q1 24 | $9.8B | $2.2B |
负债/权益比AMTBATLO
| Q4 25 | — | 0.09× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.11× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 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 | $36.5M | $7.5M |
| 自由现金流经营现金流 - 资本支出 | $31.3M | $7.2M |
| 自由现金流率自由现金流/营收 | 34.7% | 47.4% |
| 资本支出强度资本支出/营收 | 5.8% | 1.5% |
| 现金转化率经营现金流/净利润 | 13.51× | 1.14× |
| 过去12个月自由现金流最近4个季度 | $127.2M | $20.7M |
8季度趋势，按日历期对齐
经营现金流AMTBATLO
| Q4 25 | $36.5M | $7.5M | ||
| Q3 25 | $22.7M | $2.8M | ||
| Q2 25 | $57.6M | $4.0M | ||
| Q1 25 | $20.2M | $7.1M | ||
| Q4 24 | $77.5M | $5.9M | ||
| Q3 24 | $4.2M | $3.1M | ||
| Q2 24 | $-2.3M | $3.9M | ||
| Q1 24 | $2.8M | $1.4M |
自由现金流AMTBATLO
| Q4 25 | $31.3M | $7.2M | ||
| Q3 25 | $21.7M | $2.6M | ||
| Q2 25 | $56.3M | $3.9M | ||
| Q1 25 | $18.0M | $6.9M | ||
| Q4 24 | $76.7M | $5.9M | ||
| Q3 24 | $2.6M | $3.0M | ||
| Q2 24 | $-3.9M | $3.8M | ||
| Q1 24 | $-694.0K | $1.3M |
自由现金流率AMTBATLO
| Q4 25 | 34.7% | 47.4% | ||
| Q3 25 | 23.0% | 18.9% | ||
| Q2 25 | 62.2% | 28.9% | ||
| Q1 25 | 21.0% | 53.6% | ||
| Q4 24 | 87.6% | 48.5% | ||
| Q3 24 | 3.2% | 27.4% | ||
| Q2 24 | -4.9% | 34.9% | ||
| Q1 24 | -0.9% | 12.0% |
资本支出强度AMTBATLO
| Q4 25 | 5.8% | 1.5% | ||
| Q3 25 | 1.1% | 0.7% | ||
| Q2 25 | 1.5% | 0.9% | ||
| Q1 25 | 2.6% | 1.5% | ||
| Q4 24 | 0.9% | 0.6% | ||
| Q3 24 | 2.0% | 0.6% | ||
| Q2 24 | 1.9% | 0.9% | ||
| Q1 24 | 4.5% | 0.6% |
现金转化率AMTBATLO
| Q4 25 | 13.51× | 1.14× | ||
| Q3 25 | 1.54× | 0.60× | ||
| Q2 25 | 2.50× | 0.89× | ||
| Q1 25 | 1.69× | 2.07× | ||
| Q4 24 | 4.59× | 1.69× | ||
| Q3 24 | — | 1.40× | ||
| Q2 24 | -0.47× | 1.78× | ||
| Q1 24 | 0.26× | 0.59× |
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% |
ATLO
暂无分部数据
