vs
Amerant Bancorp Inc.（AMTB）与COMERICA INC（CMA）财务数据对比。点击上方公司名可切换其他公司
COMERICA INC的季度营收约是Amerant Bancorp Inc.的2.1倍（$187.0M vs $90.2M）。COMERICA INC净利率更高（94.1% vs 3.0%，领先91.1%）。Amerant Bancorp Inc.同比增速更快（2.9% vs -2.1%）。过去两年Amerant Bancorp Inc.的营收复合增速更高（7.5% vs -1.3%）
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。
Comerica公司是总部位于美国得克萨斯州达拉斯的金融服务企业，为美国大型金融控股公司之一。旗下Comerica银行为区域性商业银行，在得克萨斯、密歇根、加利福尼亚、佛罗里达、亚利桑那五州共设413家网点，在美国多座城市设有办公场所。
AMTB vs CMA — 直观对比
营收规模更大
CMA
是对方的2.1倍
$90.2M
营收增速更快
AMTB
高出5.0%
-2.1%
净利率更高
CMA
高出91.1%
3.0%
两年增速更快
AMTB
近两年复合增速
-1.3%
损益表 — Q4 2025 vs Q3 2025
| 指标 | | |
|---|---|---|
| 营收 | $90.2M | $187.0M |
| 净利润 | $2.7M | $176.0M |
| 毛利率 | — | — |
| 营业利润率 | 2.1% | — |
| 净利率 | 3.0% | 94.1% |
| 营收同比 | 2.9% | -2.1% |
| 净利润同比 | -84.0% | -4.3% |
| 每股收益（稀释后） | $0.08 | $1.35 |
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AMTBCMA
| Q4 25 | $90.2M | — | ||
| Q3 25 | $94.2M | $187.0M | ||
| Q2 25 | $90.5M | $185.0M | ||
| Q1 25 | $85.9M | $183.0M | ||
| Q4 24 | $87.6M | $191.0M | ||
| Q3 24 | $81.0M | $191.0M | ||
| Q2 24 | $79.4M | $203.0M | ||
| Q1 24 | $78.0M | $187.0M |
净利润AMTBCMA
| Q4 25 | $2.7M | — | ||
| Q3 25 | $14.8M | $176.0M | ||
| Q2 25 | $23.0M | $199.0M | ||
| Q1 25 | $12.0M | $172.0M | ||
| Q4 24 | $16.9M | $170.0M | ||
| Q3 24 | $-48.2M | $184.0M | ||
| Q2 24 | $5.0M | $206.0M | ||
| Q1 24 | $10.6M | $138.0M |
营业利润率AMTBCMA
| Q4 25 | 2.1% | — | ||
| Q3 25 | 20.2% | — | ||
| Q2 25 | 32.9% | — | ||
| Q1 25 | 18.0% | — | ||
| Q4 24 | 20.6% | — | ||
| Q3 24 | -76.4% | — | ||
| Q2 24 | 8.0% | — | ||
| Q1 24 | 17.3% | — |
净利率AMTBCMA
| Q4 25 | 3.0% | — | ||
| Q3 25 | 15.7% | 94.1% | ||
| Q2 25 | 25.4% | 107.6% | ||
| Q1 25 | 13.9% | 94.0% | ||
| Q4 24 | 19.3% | 89.0% | ||
| Q3 24 | -59.5% | 96.3% | ||
| Q2 24 | 6.3% | 101.5% | ||
| Q1 24 | 13.6% | 73.8% |
每股收益（稀释后）AMTBCMA
| Q4 25 | $0.08 | — | ||
| Q3 25 | $0.35 | $1.35 | ||
| Q2 25 | $0.55 | $1.42 | ||
| Q1 25 | $0.28 | $1.25 | ||
| Q4 24 | $0.53 | $1.22 | ||
| Q3 24 | $-1.43 | $1.33 | ||
| Q2 24 | $0.15 | $1.49 | ||
| Q1 24 | $0.31 | $0.98 |
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 | — | $5.4B |
| 股东权益账面价值 | $938.8M | $7.4B |
| 总资产 | $9.8B | $77.4B |
| 负债/权益比越低杠杆越低 | — | 0.73× |
8季度趋势，按日历期对齐
总债务AMTBCMA
| Q4 25 | — | — | ||
| Q3 25 | — | $5.4B | ||
| Q2 25 | — | $5.8B | ||
| Q1 25 | — | $5.7B | ||
| Q4 24 | — | $6.7B | ||
| Q3 24 | — | $6.8B | ||
| Q2 24 | — | $7.1B | ||
| Q1 24 | — | $7.1B |
股东权益AMTBCMA
| Q4 25 | $938.8M | — | ||
| Q3 25 | $944.9M | $7.4B | ||
| Q2 25 | $924.3M | $6.9B | ||
| Q1 25 | $906.3M | $7.1B | ||
| Q4 24 | $890.5M | $6.5B | ||
| Q3 24 | $902.9M | $7.4B | ||
| Q2 24 | $734.3M | $6.2B | ||
| Q1 24 | $738.1M | $6.0B |
总资产AMTBCMA
| Q4 25 | $9.8B | — | ||
| Q3 25 | $10.4B | $77.4B | ||
| Q2 25 | $10.3B | $78.0B | ||
| Q1 25 | $10.2B | $77.6B | ||
| Q4 24 | $9.9B | $79.3B | ||
| Q3 24 | $10.4B | $79.7B | ||
| Q2 24 | $9.7B | $79.6B | ||
| Q1 24 | $9.8B | $79.4B |
负债/权益比AMTBCMA
| Q4 25 | — | — | ||
| Q3 25 | — | 0.73× | ||
| Q2 25 | — | 0.84× | ||
| Q1 25 | — | 0.81× | ||
| Q4 24 | — | 1.02× | ||
| Q3 24 | — | 0.92× | ||
| Q2 24 | — | 1.15× | ||
| Q1 24 | — | 1.18× |
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 | $-270.0M |
| 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× | -1.53× |
| 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AMTBCMA
| Q4 25 | $36.5M | — | ||
| Q3 25 | $22.7M | $-270.0M | ||
| Q2 25 | $57.6M | $476.0M | ||
| Q1 25 | $20.2M | $273.0M | ||
| Q4 24 | $77.5M | $-354.0M | ||
| Q3 24 | $4.2M | $1.0B | ||
| Q2 24 | $-2.3M | $111.0M | ||
| Q1 24 | $2.8M | $-205.0M |
自由现金流AMTBCMA
| 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AMTBCMA
| 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AMTBCMA
| 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AMTBCMA
| Q4 25 | 13.51× | — | ||
| Q3 25 | 1.54× | -1.53× | ||
| Q2 25 | 2.50× | 2.39× | ||
| Q1 25 | 1.69× | 1.59× | ||
| Q4 24 | 4.59× | -2.08× | ||
| Q3 24 | — | 5.70× | ||
| Q2 24 | -0.47× | 0.54× | ||
| Q1 24 | 0.26× | -1.49× |
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% |
CMA
| Business Bank | $93.0M | 50% |
| Credit And Debit Card | $47.0M | 25% |
| Retail Bank | $28.0M | 15% |
| Capital Markets | $9.0M | 5% |
| Other | $6.0M | 3% |
| Commercial Loan | $3.0M | 2% |
| Brokerage Commissions Revenue | $1.0M | 1% |
