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Amerant Bancorp Inc.（AMTB）与RE/MAX Holdings, Inc.（RMAX）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RE/MAX Holdings, Inc.的1.6倍（$112.2M vs $71.1M），Amerant Bancorp Inc.净利率更高（3.0% vs 2.0%，领先1.0%），Amerant Bancorp Inc.同比增速更快（2.9% vs -1.8%），Amerant Bancorp Inc.自由现金流更多（$129.2M vs $33.5M），过去两年Amerant Bancorp Inc.的营收复合增速更高（10.1% vs -4.7%）
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。
RE/MAX是全球知名的房地产特许经营机构，业务遍布全球一百多个国家和地区，旗下拥有数千家门店，总计超过十万名房产经纪人，在国际房产中介领域拥有极高的品牌知名度与市场影响力。
AMTB vs RMAX — 直观对比
营收规模更大
AMTB
是对方的1.6倍
$71.1M
营收增速更快
AMTB
高出4.7%
-1.8%
净利率更高
AMTB
高出1.0%
2.0%
自由现金流更多
AMTB
多$95.7M
$33.5M
两年增速更快
AMTB
近两年复合增速
-4.7%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $112.2M | $71.1M |
| 净利润 | $2.7M | $1.4M |
| 毛利率 | — | — |
| 营业利润率 | 1.7% | 13.1% |
| 净利率 | 3.0% | 2.0% |
| 营收同比 | 2.9% | -1.8% |
| 净利润同比 | -84.0% | -75.2% |
| 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AMTBRMAX
| Q4 25 | $112.2M | $71.1M | ||
| Q3 25 | $111.4M | $73.2M | ||
| Q2 25 | $110.3M | $72.8M | ||
| Q1 25 | $105.4M | $74.5M | ||
| Q4 24 | $87.6M | $72.5M | ||
| Q3 24 | $33.3M | $78.5M | ||
| Q2 24 | $98.8M | $78.5M | ||
| Q1 24 | $92.5M | $78.3M |
净利润AMTBRMAX
| Q4 25 | $2.7M | $1.4M | ||
| Q3 25 | $14.8M | $4.0M | ||
| Q2 25 | $23.0M | $4.7M | ||
| Q1 25 | $12.0M | $-2.0M | ||
| Q4 24 | $16.9M | $5.8M | ||
| Q3 24 | $-48.2M | $966.0K | ||
| Q2 24 | $5.0M | $3.7M | ||
| Q1 24 | $10.6M | $-3.4M |
营业利润率AMTBRMAX
| Q4 25 | 1.7% | 13.1% | ||
| Q3 25 | 17.1% | 25.0% | ||
| Q2 25 | 27.0% | 19.3% | ||
| Q1 25 | 14.6% | 7.2% | ||
| Q4 24 | 20.6% | 5.9% | ||
| Q3 24 | -185.8% | 19.4% | ||
| Q2 24 | 6.4% | 20.6% | ||
| Q1 24 | 14.6% | 5.8% |
净利率AMTBRMAX
| Q4 25 | 3.0% | 2.0% | ||
| Q3 25 | 13.2% | 5.4% | ||
| Q2 25 | 20.9% | 6.4% | ||
| Q1 25 | 11.3% | -2.6% | ||
| Q4 24 | 19.3% | 8.0% | ||
| Q3 24 | -144.6% | 1.2% | ||
| Q2 24 | 5.0% | 4.7% | ||
| Q1 24 | 11.4% | -4.3% |
每股收益（稀释后）AMTBRMAX
| 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 | — | $118.7M |
| 总债务越低越好 | — | $432.2M |
| 股东权益账面价值 | $938.8M | $452.4M |
| 总资产 | $9.8B | $582.5M |
| 负债/权益比越低杠杆越低 | — | 0.96× |
8季度趋势，按日历期对齐
现金及短期投资AMTBRMAX
| Q4 25 | — | $118.7M | ||
| Q3 25 | — | $107.5M | ||
| Q2 25 | — | $94.3M | ||
| Q1 25 | — | $89.1M | ||
| Q4 24 | — | $96.6M | ||
| Q3 24 | — | $83.8M | ||
| Q2 24 | — | $66.1M | ||
| Q1 24 | — | $82.1M |
总债务AMTBRMAX
| Q4 25 | — | $432.2M | ||
| Q3 25 | — | $433.3M | ||
| Q2 25 | — | $434.4M | ||
| Q1 25 | — | $435.3M | ||
| Q4 24 | — | $436.2M | ||
| Q3 24 | — | $437.2M | ||
| Q2 24 | — | $438.1M | ||
| Q1 24 | — | $439.0M |
股东权益AMTBRMAX
| Q4 25 | $938.8M | $452.4M | ||
| Q3 25 | $944.9M | $448.1M | ||
| Q2 25 | $924.3M | $442.4M | ||
| Q1 25 | $906.3M | $433.5M | ||
| Q4 24 | $890.5M | $429.5M | ||
| Q3 24 | $902.9M | $423.1M | ||
| Q2 24 | $734.3M | $418.4M | ||
| Q1 24 | $738.1M | $412.0M |
总资产AMTBRMAX
| Q4 25 | $9.8B | $582.5M | ||
| Q3 25 | $10.4B | $582.2M | ||
| Q2 25 | $10.3B | $574.8M | ||
| Q1 25 | $10.2B | $571.4M | ||
| Q4 24 | $9.9B | $581.6M | ||
| Q3 24 | $10.4B | $578.6M | ||
| Q2 24 | $9.7B | $571.4M | ||
| Q1 24 | $9.8B | $566.7M |
负债/权益比AMTBRMAX
| Q4 25 | — | 0.96× | ||
| Q3 25 | — | 0.97× | ||
| Q2 25 | — | 0.98× | ||
| Q1 25 | — | 1.00× | ||
| Q4 24 | — | 1.02× | ||
| Q3 24 | — | 1.03× | ||
| Q2 24 | — | 1.05× | ||
| Q1 24 | — | 1.07× |
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 | $40.9M |
| 自由现金流经营现金流 - 资本支出 | $129.2M | $33.5M |
| 自由现金流率自由现金流/营收 | 115.2% | 47.1% |
| 资本支出强度资本支出/营收 | 6.9% | 10.4% |
| 现金转化率经营现金流/净利润 | 50.71× | 28.39× |
| 过去12个月自由现金流最近4个季度 | $225.2M | $56.8M |
8季度趋势，按日历期对齐
经营现金流AMTBRMAX
| Q4 25 | $137.0M | $40.9M | ||
| Q3 25 | $22.7M | $17.7M | ||
| Q2 25 | $57.6M | $4.6M | ||
| Q1 25 | $20.2M | $5.7M | ||
| Q4 24 | $82.2M | $59.7M | ||
| Q3 24 | $4.2M | $17.6M | ||
| Q2 24 | $-2.3M | $15.9M | ||
| Q1 24 | $2.8M | $9.4M |
自由现金流AMTBRMAX
| Q4 25 | $129.2M | $33.5M | ||
| Q3 25 | $21.7M | $16.4M | ||
| Q2 25 | $56.3M | $2.9M | ||
| Q1 25 | $18.0M | $4.0M | ||
| Q4 24 | $74.8M | $53.0M | ||
| Q3 24 | $2.6M | $16.3M | ||
| Q2 24 | $-3.9M | $14.0M | ||
| Q1 24 | $-694.0K | $6.8M |
自由现金流率AMTBRMAX
| Q4 25 | 115.2% | 47.1% | ||
| Q3 25 | 19.5% | 22.4% | ||
| Q2 25 | 51.0% | 4.0% | ||
| Q1 25 | 17.1% | 5.3% | ||
| Q4 24 | 85.3% | 73.2% | ||
| Q3 24 | 7.8% | 20.8% | ||
| Q2 24 | -3.9% | 17.8% | ||
| Q1 24 | -0.8% | 8.6% |
资本支出强度AMTBRMAX
| Q4 25 | 6.9% | 10.4% | ||
| Q3 25 | 0.9% | 1.8% | ||
| Q2 25 | 1.2% | 2.2% | ||
| Q1 25 | 2.1% | 2.3% | ||
| Q4 24 | 8.4% | 9.1% | ||
| Q3 24 | 4.8% | 1.7% | ||
| Q2 24 | 1.5% | 2.4% | ||
| Q1 24 | 3.8% | 3.3% |
现金转化率AMTBRMAX
| Q4 25 | 50.71× | 28.39× | ||
| Q3 25 | 1.54× | 4.45× | ||
| Q2 25 | 2.50× | 0.97× | ||
| Q1 25 | 1.69× | — | ||
| Q4 24 | 4.87× | 10.28× | ||
| Q3 24 | — | 18.22× | ||
| Q2 24 | -0.47× | 4.29× | ||
| Q1 24 | 0.26× | — |
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% |
RMAX
| Franchising Segment | $50.1M | 70% |
| Broker Fees | $13.9M | 20% |
| Annual Dues | $7.4M | 10% |
