vs
Amerant Bancorp Inc.（AMTB）与美国合众银行（USB）财务数据对比。点击上方公司名可切换其他公司
美国合众银行的季度营收约是Amerant Bancorp Inc.的81.7倍（$7.4B vs $90.2M）。美国合众银行净利率更高（27.8% vs 3.0%，领先24.8%）。美国合众银行同比增速更快（5.1% vs 2.9%）。过去两年Amerant Bancorp Inc.的营收复合增速更高（7.5% 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。
美国合众银行是美国跨国银行机构，总部位于明尼苏达州明尼阿波利斯，在特拉华州注册成立。截至2025年为美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为系统重要性机构，旗下核心运营主体提供银行、投资、按揭等多元金融服务。
AMTB vs USB — 直观对比
营收规模更大
USB
是对方的81.7倍
$90.2M
营收增速更快
USB
高出2.2%
2.9%
净利率更高
USB
高出24.8%
3.0%
两年增速更快
AMTB
近两年复合增速
4.7%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $90.2M | $7.4B |
| 净利润 | $2.7M | $2.0B |
| 毛利率 | — | — |
| 营业利润率 | 2.1% | 34.4% |
| 净利率 | 3.0% | 27.8% |
| 营收同比 | 2.9% | 5.1% |
| 净利润同比 | -84.0% | 23.0% |
| 每股收益（稀释后） | $0.08 | $1.26 |
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AMTBUSB
| Q4 25 | $90.2M | $7.4B | ||
| Q3 25 | $94.2M | $7.3B | ||
| Q2 25 | $90.5M | $7.0B | ||
| Q1 25 | $85.9M | $7.0B | ||
| Q4 24 | $87.6M | $7.0B | ||
| Q3 24 | $81.0M | $6.9B | ||
| Q2 24 | $79.4M | $6.9B | ||
| Q1 24 | $78.0M | $6.7B |
净利润AMTBUSB
| Q4 25 | $2.7M | $2.0B | ||
| Q3 25 | $14.8M | $2.0B | ||
| Q2 25 | $23.0M | $1.8B | ||
| Q1 25 | $12.0M | $1.7B | ||
| Q4 24 | $16.9M | $1.7B | ||
| Q3 24 | $-48.2M | $1.7B | ||
| Q2 24 | $5.0M | $1.6B | ||
| Q1 24 | $10.6M | $1.3B |
营业利润率AMTBUSB
| Q4 25 | 2.1% | 34.4% | ||
| Q3 25 | 20.2% | 34.5% | ||
| Q2 25 | 32.9% | 32.7% | ||
| Q1 25 | 18.0% | 31.0% | ||
| Q4 24 | 20.6% | 30.1% | ||
| Q3 24 | -76.4% | 30.2% | ||
| Q2 24 | 8.0% | 29.9% | ||
| Q1 24 | 17.3% | 24.9% |
净利率AMTBUSB
| Q4 25 | 3.0% | 27.8% | ||
| Q3 25 | 15.7% | 27.3% | ||
| Q2 25 | 25.4% | 25.9% | ||
| Q1 25 | 13.9% | 24.6% | ||
| Q4 24 | 19.3% | 23.7% | ||
| Q3 24 | -59.5% | 25.0% | ||
| Q2 24 | 6.3% | 23.3% | ||
| Q1 24 | 13.6% | 19.6% |
每股收益（稀释后）AMTBUSB
| Q4 25 | $0.08 | $1.26 | ||
| Q3 25 | $0.35 | $1.22 | ||
| Q2 25 | $0.55 | $1.11 | ||
| Q1 25 | $0.28 | $1.03 | ||
| Q4 24 | $0.53 | $1.01 | ||
| Q3 24 | $-1.43 | $1.03 | ||
| Q2 24 | $0.15 | $0.97 | ||
| Q1 24 | $0.31 | $0.78 |
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 | — | — |
| 股东权益账面价值 | $938.8M | $65.2B |
| 总资产 | $9.8B | $692.3B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
股东权益AMTBUSB
| Q4 25 | $938.8M | $65.2B | ||
| Q3 25 | $944.9M | $63.3B | ||
| Q2 25 | $924.3M | $61.4B | ||
| Q1 25 | $906.3M | $60.1B | ||
| Q4 24 | $890.5M | $58.6B | ||
| Q3 24 | $902.9M | $58.9B | ||
| Q2 24 | $734.3M | $56.4B | ||
| Q1 24 | $738.1M | $55.6B |
总资产AMTBUSB
| Q4 25 | $9.8B | $692.3B | ||
| Q3 25 | $10.4B | $695.4B | ||
| Q2 25 | $10.3B | $686.4B | ||
| Q1 25 | $10.2B | $676.5B | ||
| Q4 24 | $9.9B | $678.3B | ||
| Q3 24 | $10.4B | $686.5B | ||
| Q2 24 | $9.7B | $680.1B | ||
| Q1 24 | $9.8B | $683.6B |
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 | $2.8B |
| 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× | 1.39× |
| 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AMTBUSB
| Q4 25 | $36.5M | $2.8B | ||
| Q3 25 | $22.7M | $3.4B | ||
| Q2 25 | $57.6M | $2.0B | ||
| Q1 25 | $20.2M | $-285.0M | ||
| Q4 24 | $77.5M | $4.8B | ||
| Q3 24 | $4.2M | $972.0M | ||
| Q2 24 | $-2.3M | $2.9B | ||
| Q1 24 | $2.8M | $2.7B |
自由现金流AMTBUSB
| 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AMTBUSB
| 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AMTBUSB
| 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AMTBUSB
| Q4 25 | 13.51× | 1.39× | ||
| Q3 25 | 1.54× | 1.69× | ||
| Q2 25 | 2.50× | 1.12× | ||
| Q1 25 | 1.69× | -0.17× | ||
| Q4 24 | 4.59× | 2.87× | ||
| Q3 24 | — | 0.57× | ||
| Q2 24 | -0.47× | 1.79× | ||
| Q1 24 | 0.26× | 2.02× |
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% |
USB
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