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Amerant Bancorp Inc.（AMTB）与California BanCorp \ CA（BCAL）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California BanCorp \ CA的2.1倍（$90.2M vs $42.9M）。California BanCorp \ CA净利率更高（38.3% vs 3.0%，领先35.3%）。Amerant Bancorp Inc.同比增速更快（2.9% vs -3.7%）。Amerant Bancorp Inc.自由现金流更多（$31.3M vs $20.8M）。过去两年California BanCorp \ CA的营收复合增速更高（44.7% 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。
太平洋第一控股是依据美国1956年银行控股公司法案成立的美国银行控股集团，总部位于加利福尼亚州欧文市。集团核心业务围绕旗下太平洋第一银行展开，为个人、企业及专业人士提供各类金融服务，目前在加州、亚利桑那州、内华达州和华盛顿州开设了多家网点。
AMTB vs BCAL — 直观对比
营收规模更大
AMTB
是对方的2.1倍
$42.9M
营收增速更快
AMTB
高出6.5%
-3.7%
净利率更高
BCAL
高出35.3%
3.0%
自由现金流更多
AMTB
多$10.5M
$20.8M
两年增速更快
BCAL
近两年复合增速
7.5%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $90.2M | $42.9M |
| 净利润 | $2.7M | $16.4M |
| 毛利率 | — | — |
| 营业利润率 | 2.1% | 52.2% |
| 净利率 | 3.0% | 38.3% |
| 营收同比 | 2.9% | -3.7% |
| 净利润同比 | -84.0% | -2.1% |
| 每股收益（稀释后） | $0.08 | $0.50 |
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AMTBBCAL
| Q4 25 | $90.2M | $42.9M | ||
| Q3 25 | $94.2M | $42.5M | ||
| Q2 25 | $90.5M | $41.4M | ||
| Q1 25 | $85.9M | $42.3M | ||
| Q4 24 | $87.6M | $44.5M | ||
| Q3 24 | $81.0M | $36.9M | ||
| Q2 24 | $79.4M | $21.0M | ||
| Q1 24 | $78.0M | $20.5M |
净利润AMTBBCAL
| Q4 25 | $2.7M | $16.4M | ||
| Q3 25 | $14.8M | $15.7M | ||
| Q2 25 | $23.0M | $14.1M | ||
| Q1 25 | $12.0M | $16.9M | ||
| Q4 24 | $16.9M | $16.8M | ||
| Q3 24 | $-48.2M | $-16.5M | ||
| Q2 24 | $5.0M | $190.0K | ||
| Q1 24 | $10.6M | $4.9M |
营业利润率AMTBBCAL
| Q4 25 | 2.1% | 52.2% | ||
| Q3 25 | 20.2% | 51.3% | ||
| Q2 25 | 32.9% | 48.5% | ||
| Q1 25 | 18.0% | 56.0% | ||
| Q4 24 | 20.6% | 52.2% | ||
| Q3 24 | -76.4% | -61.0% | ||
| Q2 24 | 8.0% | 1.3% | ||
| Q1 24 | 17.3% | 35.4% |
净利率AMTBBCAL
| Q4 25 | 3.0% | 38.3% | ||
| Q3 25 | 15.7% | 36.9% | ||
| Q2 25 | 25.4% | 34.0% | ||
| Q1 25 | 13.9% | 39.9% | ||
| Q4 24 | 19.3% | 37.7% | ||
| Q3 24 | -59.5% | -44.6% | ||
| Q2 24 | 6.3% | 0.9% | ||
| Q1 24 | 13.6% | 24.1% |
每股收益（稀释后）AMTBBCAL
| Q4 25 | $0.08 | $0.50 | ||
| Q3 25 | $0.35 | $0.48 | ||
| Q2 25 | $0.55 | $0.43 | ||
| Q1 25 | $0.28 | $0.52 | ||
| Q4 24 | $0.53 | $0.54 | ||
| Q3 24 | $-1.43 | $-0.59 | ||
| Q2 24 | $0.15 | $0.01 | ||
| Q1 24 | $0.31 | $0.26 |
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 | — | $399.9M |
| 总债务越低越好 | — | $33.8M |
| 股东权益账面价值 | $938.8M | $576.6M |
| 总资产 | $9.8B | $4.0B |
| 负债/权益比越低杠杆越低 | — | 0.06× |
8季度趋势，按日历期对齐
现金及短期投资AMTBBCAL
| Q4 25 | — | $399.9M | ||
| Q3 25 | — | $559.2M | ||
| Q2 25 | — | $430.1M | ||
| Q1 25 | — | $439.2M | ||
| Q4 24 | — | $388.2M | ||
| Q3 24 | — | $614.4M | ||
| Q2 24 | — | $104.7M | ||
| Q1 24 | — | $86.5M |
总债务AMTBBCAL
| Q4 25 | — | $33.8M | ||
| Q3 25 | — | $33.4M | ||
| Q2 25 | — | $52.9M | ||
| Q1 25 | — | $70.3M | ||
| Q4 24 | — | $69.7M | ||
| Q3 24 | — | $69.1M | ||
| Q2 24 | — | $42.9M | ||
| Q1 24 | — | $44.9M |
股东权益AMTBBCAL
| Q4 25 | $938.8M | $576.6M | ||
| Q3 25 | $944.9M | $564.7M | ||
| Q2 25 | $924.3M | $547.6M | ||
| Q1 25 | $906.3M | $531.4M | ||
| Q4 24 | $890.5M | $511.8M | ||
| Q3 24 | $902.9M | $498.1M | ||
| Q2 24 | $734.3M | $293.2M | ||
| Q1 24 | $738.1M | $292.5M |
总资产AMTBBCAL
| Q4 25 | $9.8B | $4.0B | ||
| Q3 25 | $10.4B | $4.1B | ||
| Q2 25 | $10.3B | $4.0B | ||
| Q1 25 | $10.2B | $4.0B | ||
| Q4 24 | $9.9B | $4.0B | ||
| Q3 24 | $10.4B | $4.4B | ||
| Q2 24 | $9.7B | $2.3B | ||
| Q1 24 | $9.8B | $2.3B |
负债/权益比AMTBBCAL
| Q4 25 | — | 0.06× | ||
| Q3 25 | — | 0.06× | ||
| Q2 25 | — | 0.10× | ||
| Q1 25 | — | 0.13× | ||
| Q4 24 | — | 0.14× | ||
| Q3 24 | — | 0.14× | ||
| Q2 24 | — | 0.15× | ||
| Q1 24 | — | 0.15× |
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 | $20.9M |
| 自由现金流经营现金流 - 资本支出 | $31.3M | $20.8M |
| 自由现金流率自由现金流/营收 | 34.7% | 48.5% |
| 资本支出强度资本支出/营收 | 5.8% | 0.2% |
| 现金转化率经营现金流/净利润 | 13.51× | 1.27× |
| 过去12个月自由现金流最近4个季度 | $127.2M | $56.9M |
8季度趋势，按日历期对齐
经营现金流AMTBBCAL
| Q4 25 | $36.5M | $20.9M | ||
| Q3 25 | $22.7M | $16.0M | ||
| Q2 25 | $57.6M | $13.4M | ||
| Q1 25 | $20.2M | $7.0M | ||
| Q4 24 | $77.5M | $23.6M | ||
| Q3 24 | $4.2M | $18.3M | ||
| Q2 24 | $-2.3M | $309.0K | ||
| Q1 24 | $2.8M | $8.1M |
自由现金流AMTBBCAL
| Q4 25 | $31.3M | $20.8M | ||
| Q3 25 | $21.7M | $15.9M | ||
| Q2 25 | $56.3M | $13.4M | ||
| Q1 25 | $18.0M | $6.9M | ||
| Q4 24 | $76.7M | $23.5M | ||
| Q3 24 | $2.6M | $18.1M | ||
| Q2 24 | $-3.9M | $171.0K | ||
| Q1 24 | $-694.0K | $8.0M |
自由现金流率AMTBBCAL
| Q4 25 | 34.7% | 48.5% | ||
| Q3 25 | 23.0% | 37.3% | ||
| Q2 25 | 62.2% | 32.3% | ||
| Q1 25 | 21.0% | 16.3% | ||
| Q4 24 | 87.6% | 52.7% | ||
| Q3 24 | 3.2% | 49.0% | ||
| Q2 24 | -4.9% | 0.8% | ||
| Q1 24 | -0.9% | 38.9% |
资本支出强度AMTBBCAL
| Q4 25 | 5.8% | 0.2% | ||
| Q3 25 | 1.1% | 0.3% | ||
| Q2 25 | 1.5% | 0.1% | ||
| Q1 25 | 2.6% | 0.2% | ||
| Q4 24 | 0.9% | 0.3% | ||
| Q3 24 | 2.0% | 0.5% | ||
| Q2 24 | 1.9% | 0.7% | ||
| Q1 24 | 4.5% | 0.4% |
现金转化率AMTBBCAL
| Q4 25 | 13.51× | 1.27× | ||
| Q3 25 | 1.54× | 1.02× | ||
| Q2 25 | 2.50× | 0.95× | ||
| Q1 25 | 1.69× | 0.41× | ||
| Q4 24 | 4.59× | 1.41× | ||
| Q3 24 | — | — | ||
| Q2 24 | -0.47× | 1.63× | ||
| Q1 24 | 0.26× | 1.63× |
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% |
BCAL
暂无分部数据
