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Amerant Bancorp Inc.（AMTB）与Ribbon Communications Inc.（RBBN）财务数据对比。点击上方公司名可切换其他公司
Ribbon Communications Inc.的季度营收约是Amerant Bancorp Inc.的1.4倍（$162.6M vs $112.2M），Ribbon Communications Inc.净利率更高（54.8% vs 3.0%，领先51.8%），Amerant Bancorp Inc.同比增速更快（2.9% vs -10.3%），过去两年Amerant Bancorp Inc.的营收复合增速更高（10.1% vs -8.1%）
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。
睿宾通信公司（Ribbon Communications Inc.）主要为电信运营商、企业及关键基础设施领域提供软件、IP与光网络解决方案。公司于2017年由Genband与Sonus Networks合并成立，总部位于美国得克萨斯州普莱诺，是一家上市科技企业。
AMTB vs RBBN — 直观对比
营收规模更大
RBBN
是对方的1.4倍
$112.2M
营收增速更快
AMTB
高出13.2%
-10.3%
净利率更高
RBBN
高出51.8%
3.0%
两年增速更快
AMTB
近两年复合增速
-8.1%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $112.2M | $162.6M |
| 净利润 | $2.7M | $89.1M |
| 毛利率 | — | 42.9% |
| 营业利润率 | 1.7% | 37.6% |
| 净利率 | 3.0% | 54.8% |
| 营收同比 | 2.9% | -10.3% |
| 净利润同比 | -84.0% | — |
| 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AMTBRBBN
| Q1 26 | — | $162.6M | ||
| Q4 25 | $112.2M | $227.3M | ||
| Q3 25 | $111.4M | $215.4M | ||
| Q2 25 | $110.3M | $220.6M | ||
| Q1 25 | $105.4M | $181.3M | ||
| Q4 24 | $87.6M | $251.4M | ||
| Q3 24 | $33.3M | $210.2M | ||
| Q2 24 | $98.8M | $192.6M |
净利润AMTBRBBN
| Q1 26 | — | $89.1M | ||
| Q4 25 | $2.7M | — | ||
| Q3 25 | $14.8M | $-12.1M | ||
| Q2 25 | $23.0M | $-11.1M | ||
| Q1 25 | $12.0M | $-26.2M | ||
| Q4 24 | $16.9M | — | ||
| Q3 24 | $-48.2M | $-13.4M | ||
| Q2 24 | $5.0M | $-16.8M |
毛利率AMTBRBBN
| Q1 26 | — | 42.9% | ||
| Q4 25 | — | 53.3% | ||
| Q3 25 | — | 50.1% | ||
| Q2 25 | — | 49.6% | ||
| Q1 25 | — | 45.4% | ||
| Q4 24 | — | 55.7% | ||
| Q3 24 | — | 52.1% | ||
| Q2 24 | — | 50.8% |
营业利润率AMTBRBBN
| Q1 26 | — | 37.6% | ||
| Q4 25 | 1.7% | 4.1% | ||
| Q3 25 | 17.1% | 1.3% | ||
| Q2 25 | 27.0% | 1.9% | ||
| Q1 25 | 14.6% | -10.8% | ||
| Q4 24 | 20.6% | 13.2% | ||
| Q3 24 | -185.8% | -0.4% | ||
| Q2 24 | 6.4% | -1.0% |
净利率AMTBRBBN
| Q1 26 | — | 54.8% | ||
| Q4 25 | 3.0% | — | ||
| Q3 25 | 13.2% | -5.6% | ||
| Q2 25 | 20.9% | -5.0% | ||
| Q1 25 | 11.3% | -14.5% | ||
| Q4 24 | 19.3% | — | ||
| Q3 24 | -144.6% | -6.4% | ||
| Q2 24 | 5.0% | -8.7% |
每股收益（稀释后）AMTBRBBN
| Q1 26 | — | $0.50 | ||
| Q4 25 | $0.08 | $0.50 | ||
| Q3 25 | $0.35 | $-0.07 | ||
| Q2 25 | $0.55 | $-0.06 | ||
| Q1 25 | $0.28 | $-0.15 | ||
| Q4 24 | $0.53 | $0.05 | ||
| Q3 24 | $-1.43 | $-0.08 | ||
| Q2 24 | $0.15 | $-0.10 |
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 | — | $67.6M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $938.8M | $419.1M |
| 总资产 | $9.8B | — |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资AMTBRBBN
| Q1 26 | — | $67.6M | ||
| Q4 25 | — | $96.4M | ||
| Q3 25 | — | $74.8M | ||
| Q2 25 | — | $60.5M | ||
| Q1 25 | — | $71.2M | ||
| Q4 24 | — | $87.8M | ||
| Q3 24 | — | $37.2M | ||
| Q2 24 | — | $64.6M |
总债务AMTBRBBN
| Q1 26 | — | — | ||
| Q4 25 | — | $342.1M | ||
| Q3 25 | — | $344.3M | ||
| Q2 25 | — | $346.5M | ||
| Q1 25 | — | $347.4M | ||
| Q4 24 | — | $348.3M | ||
| Q3 24 | — | $349.1M | ||
| Q2 24 | — | $350.0M |
股东权益AMTBRBBN
| Q1 26 | — | $419.1M | ||
| Q4 25 | $938.8M | $449.0M | ||
| Q3 25 | $944.9M | $360.1M | ||
| Q2 25 | $924.3M | $370.4M | ||
| Q1 25 | $906.3M | $381.8M | ||
| Q4 24 | $890.5M | $404.6M | ||
| Q3 24 | $902.9M | $395.5M | ||
| Q2 24 | $734.3M | $405.0M |
总资产AMTBRBBN
| Q1 26 | — | — | ||
| Q4 25 | $9.8B | $1.2B | ||
| Q3 25 | $10.4B | $1.1B | ||
| Q2 25 | $10.3B | $1.1B | ||
| Q1 25 | $10.2B | $1.1B | ||
| Q4 24 | $9.9B | $1.2B | ||
| Q3 24 | $10.4B | $1.1B | ||
| Q2 24 | $9.7B | $1.1B |
负债/权益比AMTBRBBN
| Q1 26 | — | — | ||
| Q4 25 | — | 0.76× | ||
| Q3 25 | — | 0.96× | ||
| Q2 25 | — | 0.94× | ||
| Q1 25 | — | 0.91× | ||
| Q4 24 | — | 0.86× | ||
| Q3 24 | — | 0.88× | ||
| Q2 24 | — | 0.86× |
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 | $137.0M | — |
| 自由现金流经营现金流 - 资本支出 | $129.2M | — |
| 自由现金流率自由现金流/营收 | 115.2% | — |
| 资本支出强度资本支出/营收 | 6.9% | — |
| 现金转化率经营现金流/净利润 | 50.71× | — |
| 过去12个月自由现金流最近4个季度 | $225.2M | — |
8季度趋势，按日历期对齐
经营现金流AMTBRBBN
| Q1 26 | — | — | ||
| Q4 25 | $137.0M | $29.2M | ||
| Q3 25 | $22.7M | $26.5M | ||
| Q2 25 | $57.6M | $-795.0K | ||
| Q1 25 | $20.2M | $-3.5M | ||
| Q4 24 | $82.2M | $61.8M | ||
| Q3 24 | $4.2M | $-14.8M | ||
| Q2 24 | $-2.3M | $-9.8M |
自由现金流AMTBRBBN
| Q1 26 | — | — | ||
| Q4 25 | $129.2M | $27.3M | ||
| Q3 25 | $21.7M | $21.0M | ||
| Q2 25 | $56.3M | $-6.5M | ||
| Q1 25 | $18.0M | $-15.7M | ||
| Q4 24 | $74.8M | $53.8M | ||
| Q3 24 | $2.6M | $-23.7M | ||
| Q2 24 | $-3.9M | $-12.9M |
自由现金流率AMTBRBBN
| Q1 26 | — | — | ||
| Q4 25 | 115.2% | 12.0% | ||
| Q3 25 | 19.5% | 9.7% | ||
| Q2 25 | 51.0% | -2.9% | ||
| Q1 25 | 17.1% | -8.7% | ||
| Q4 24 | 85.3% | 21.4% | ||
| Q3 24 | 7.8% | -11.3% | ||
| Q2 24 | -3.9% | -6.7% |
资本支出强度AMTBRBBN
| Q1 26 | — | — | ||
| Q4 25 | 6.9% | 0.9% | ||
| Q3 25 | 0.9% | 2.6% | ||
| Q2 25 | 1.2% | 2.6% | ||
| Q1 25 | 2.1% | 6.7% | ||
| Q4 24 | 8.4% | 3.2% | ||
| Q3 24 | 4.8% | 4.2% | ||
| Q2 24 | 1.5% | 1.6% |
现金转化率AMTBRBBN
| Q1 26 | — | — | ||
| Q4 25 | 50.71× | — | ||
| Q3 25 | 1.54× | — | ||
| Q2 25 | 2.50× | — | ||
| Q1 25 | 1.69× | — | ||
| Q4 24 | 4.87× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | -0.47× | — |
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 | $58.0M | 52% |
| Commercial Portfolio Segment | $25.7M | 23% |
| Commercial Real Estate Portfolio Segment | $17.3M | 15% |
| Consumer Portfolio Segment | $11.1M | 10% |
RBBN
| Service | $94.5M | 58% |
| Product | $68.1M | 42% |
