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Amerant Bancorp Inc.（AMTB）与Repay Holdings Corp（RPAY）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Repay Holdings Corp的1.4倍（$112.2M vs $78.6M），Amerant Bancorp Inc.净利率更高（3.0% vs -178.3%，领先181.3%），Amerant Bancorp Inc.同比增速更快（2.9% vs 0.4%），Amerant Bancorp Inc.自由现金流更多（$129.2M vs $23.2M），过去两年Amerant Bancorp Inc.的营收复合增速更高（10.1% 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。
Repay Holdings Corp是一家聚焦北美市场的支付技术服务商，为零售、医疗、汽车服务、电商等领域的企业提供整合支付处理方案，涵盖银行卡收单、ACH转账、POS系统集成等数字化支付工具，助力客户简化交易流程、提升运营效率。
AMTB vs RPAY — 直观对比
营收规模更大
AMTB
是对方的1.4倍
$78.6M
营收增速更快
AMTB
高出2.5%
0.4%
净利率更高
AMTB
高出181.3%
-178.3%
自由现金流更多
AMTB
多$106.0M
$23.2M
两年增速更快
AMTB
近两年复合增速
-1.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $112.2M | $78.6M |
| 净利润 | $2.7M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | 1.7% | -182.2% |
| 净利率 | 3.0% | -178.3% |
| 营收同比 | 2.9% | 0.4% |
| 净利润同比 | -84.0% | -3304.1% |
| 每股收益（稀释后） | $0.08 | $-1.68 |
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AMTBRPAY
| Q4 25 | $112.2M | $78.6M | ||
| Q3 25 | $111.4M | $77.7M | ||
| Q2 25 | $110.3M | $75.6M | ||
| Q1 25 | $105.4M | $77.3M | ||
| Q4 24 | $87.6M | $78.3M | ||
| Q3 24 | $33.3M | $79.1M | ||
| Q2 24 | $98.8M | $74.9M | ||
| Q1 24 | $92.5M | $80.7M |
净利润AMTBRPAY
| Q4 25 | $2.7M | $-140.1M | ||
| Q3 25 | $14.8M | $-6.4M | ||
| Q2 25 | $23.0M | $-102.3M | ||
| Q1 25 | $12.0M | $-7.9M | ||
| Q4 24 | $16.9M | $-4.1M | ||
| Q3 24 | $-48.2M | $3.2M | ||
| Q2 24 | $5.0M | $-4.1M | ||
| Q1 24 | $10.6M | $-5.2M |
毛利率AMTBRPAY
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% | ||
| Q1 24 | — | 76.2% |
营业利润率AMTBRPAY
| Q4 25 | 1.7% | -182.2% | ||
| Q3 25 | 17.1% | -3.9% | ||
| Q2 25 | 27.0% | -138.7% | ||
| Q1 25 | 14.6% | -4.7% | ||
| Q4 24 | 20.6% | -1.5% | ||
| Q3 24 | -185.8% | -0.9% | ||
| Q2 24 | 6.4% | -4.6% | ||
| Q1 24 | 14.6% | -3.1% |
净利率AMTBRPAY
| Q4 25 | 3.0% | -178.3% | ||
| Q3 25 | 13.2% | -8.3% | ||
| Q2 25 | 20.9% | -135.2% | ||
| Q1 25 | 11.3% | -10.3% | ||
| Q4 24 | 19.3% | -5.3% | ||
| Q3 24 | -144.6% | 4.1% | ||
| Q2 24 | 5.0% | -5.4% | ||
| Q1 24 | 11.4% | -6.5% |
每股收益（稀释后）AMTBRPAY
| Q4 25 | $0.08 | $-1.68 | ||
| Q3 25 | $0.35 | $-0.08 | ||
| Q2 25 | $0.55 | $-1.15 | ||
| Q1 25 | $0.28 | $-0.09 | ||
| Q4 24 | $0.53 | $-0.04 | ||
| Q3 24 | $-1.43 | $0.03 | ||
| Q2 24 | $0.15 | $-0.04 | ||
| Q1 24 | $0.31 | $-0.06 |
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 | — | $115.7M |
| 总债务越低越好 | — | $280.1M |
| 股东权益账面价值 | $938.8M | $484.4M |
| 总资产 | $9.8B | $1.2B |
| 负债/权益比越低杠杆越低 | — | 0.58× |
8季度趋势，按日历期对齐
现金及短期投资AMTBRPAY
| Q4 25 | — | $115.7M | ||
| Q3 25 | — | $95.7M | ||
| Q2 25 | — | $162.6M | ||
| Q1 25 | — | $165.5M | ||
| Q4 24 | — | $189.5M | ||
| Q3 24 | — | $168.7M | ||
| Q2 24 | — | $147.1M | ||
| Q1 24 | — | $128.3M |
总债务AMTBRPAY
| Q4 25 | — | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | — | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | — | $435.6M | ||
| Q1 24 | — | $434.9M |
股东权益AMTBRPAY
| Q4 25 | $938.8M | $484.4M | ||
| Q3 25 | $944.9M | $616.9M | ||
| Q2 25 | $924.3M | $633.7M | ||
| Q1 25 | $906.3M | $755.7M | ||
| Q4 24 | $890.5M | $761.3M | ||
| Q3 24 | $902.9M | $754.7M | ||
| Q2 24 | $734.3M | $815.4M | ||
| Q1 24 | $738.1M | $813.8M |
总资产AMTBRPAY
| Q4 25 | $9.8B | $1.2B | ||
| Q3 25 | $10.4B | $1.3B | ||
| Q2 25 | $10.3B | $1.4B | ||
| Q1 25 | $10.2B | $1.5B | ||
| Q4 24 | $9.9B | $1.6B | ||
| Q3 24 | $10.4B | $1.6B | ||
| Q2 24 | $9.7B | $1.5B | ||
| Q1 24 | $9.8B | $1.5B |
负债/权益比AMTBRPAY
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.65× | ||
| Q3 24 | — | 0.66× | ||
| Q2 24 | — | 0.53× | ||
| Q1 24 | — | 0.53× |
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 | $23.3M |
| 自由现金流经营现金流 - 资本支出 | $129.2M | $23.2M |
| 自由现金流率自由现金流/营收 | 115.2% | 29.6% |
| 资本支出强度资本支出/营收 | 6.9% | 0.1% |
| 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 | $90.7M |
8季度趋势，按日历期对齐
经营现金流AMTBRPAY
| Q4 25 | $137.0M | $23.3M | ||
| Q3 25 | $22.7M | $32.2M | ||
| Q2 25 | $57.6M | $33.1M | ||
| Q1 25 | $20.2M | $2.5M | ||
| Q4 24 | $82.2M | $34.3M | ||
| Q3 24 | $4.2M | $60.1M | ||
| Q2 24 | $-2.3M | $31.0M | ||
| Q1 24 | $2.8M | $24.8M |
自由现金流AMTBRPAY
| Q4 25 | $129.2M | $23.2M | ||
| Q3 25 | $21.7M | $32.1M | ||
| Q2 25 | $56.3M | $33.0M | ||
| Q1 25 | $18.0M | $2.4M | ||
| Q4 24 | $74.8M | $34.0M | ||
| Q3 24 | $2.6M | $59.8M | ||
| Q2 24 | $-3.9M | $30.5M | ||
| Q1 24 | $-694.0K | $24.7M |
自由现金流率AMTBRPAY
| Q4 25 | 115.2% | 29.6% | ||
| Q3 25 | 19.5% | 41.3% | ||
| Q2 25 | 51.0% | 43.6% | ||
| Q1 25 | 17.1% | 3.0% | ||
| Q4 24 | 85.3% | 43.5% | ||
| Q3 24 | 7.8% | 75.6% | ||
| Q2 24 | -3.9% | 40.7% | ||
| Q1 24 | -0.8% | 30.6% |
资本支出强度AMTBRPAY
| Q4 25 | 6.9% | 0.1% | ||
| Q3 25 | 0.9% | 0.2% | ||
| Q2 25 | 1.2% | 0.1% | ||
| Q1 25 | 2.1% | 0.2% | ||
| Q4 24 | 8.4% | 0.3% | ||
| Q3 24 | 4.8% | 0.3% | ||
| Q2 24 | 1.5% | 0.6% | ||
| Q1 24 | 3.8% | 0.1% |
现金转化率AMTBRPAY
| Q4 25 | 50.71× | — | ||
| Q3 25 | 1.54× | — | ||
| Q2 25 | 2.50× | — | ||
| Q1 25 | 1.69× | — | ||
| Q4 24 | 4.87× | — | ||
| Q3 24 | — | 18.52× | ||
| Q2 24 | -0.47× | — | ||
| 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% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
