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ARROW FINANCIAL CORP（AROW）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ARROW FINANCIAL CORP的6.9倍（$187.0M vs $27.2M）。COMERICA INC净利率更高（94.1% vs 31.7%，领先62.4%）。ARROW FINANCIAL CORP同比增速更快（5.4% vs -2.1%）。过去两年COMERICA INC的营收复合增速更高（-1.3% vs -6.3%）
箭金融控股（ARROW FINANCIAL CORP）旗下的福克星银行是一家总部设在美国纽约希克斯维尔的美国区域性金融服务控股公司，2023年时共运营有395家分支机构，所有分支机构已于2024年2月21日统一更名为福克星品牌。
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。
AROW vs CMA — 直观对比
营收规模更大
CMA
是对方的6.9倍
$27.2M
营收增速更快
AROW
高出7.4%
-2.1%
净利率更高
CMA
高出62.4%
31.7%
两年增速更快
CMA
近两年复合增速
-6.3%
损益表 — Q2 2024 vs Q3 2025
| 指标 | | |
|---|---|---|
| 营收 | $27.2M | $187.0M |
| 净利润 | $8.6M | $176.0M |
| 毛利率 | — | — |
| 营业利润率 | — | — |
| 净利率 | 31.7% | 94.1% |
| 营收同比 | 5.4% | -2.1% |
| 净利润同比 | 42.3% | -4.3% |
| 每股收益（稀释后） | $0.52 | $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AROWCMA
| Q3 25 | — | $187.0M | ||
| Q2 25 | — | $185.0M | ||
| Q1 25 | — | $183.0M | ||
| Q4 24 | — | $191.0M | ||
| Q3 24 | — | $191.0M | ||
| Q2 24 | $27.2M | $203.0M | ||
| Q1 24 | $26.5M | $187.0M | ||
| Q4 23 | $25.6M | $192.0M |
净利润AROWCMA
| Q3 25 | — | $176.0M | ||
| Q2 25 | — | $199.0M | ||
| Q1 25 | — | $172.0M | ||
| Q4 24 | — | $170.0M | ||
| Q3 24 | — | $184.0M | ||
| Q2 24 | $8.6M | $206.0M | ||
| Q1 24 | $7.7M | $138.0M | ||
| Q4 23 | $7.7M | $33.0M |
净利率AROWCMA
| Q3 25 | — | 94.1% | ||
| Q2 25 | — | 107.6% | ||
| Q1 25 | — | 94.0% | ||
| Q4 24 | — | 89.0% | ||
| Q3 24 | — | 96.3% | ||
| Q2 24 | 31.7% | 101.5% | ||
| Q1 24 | 29.0% | 73.8% | ||
| Q4 23 | 30.2% | 17.2% |
每股收益（稀释后）AROWCMA
| Q3 25 | — | $1.35 | ||
| Q2 25 | — | $1.42 | ||
| Q1 25 | — | $1.25 | ||
| Q4 24 | — | $1.22 | ||
| Q3 24 | — | $1.33 | ||
| Q2 24 | $0.52 | $1.49 | ||
| Q1 24 | $0.45 | $0.98 | ||
| Q4 23 | $0.46 | $0.20 |
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 | $383.0M | $7.4B |
| 总资产 | $4.2B | $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AROWCMA
| 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 | ||
| Q4 23 | $6.5M | $6.2B |
股东权益AROWCMA
| Q3 25 | — | $7.4B | ||
| Q2 25 | — | $6.9B | ||
| Q1 25 | — | $7.1B | ||
| Q4 24 | — | $6.5B | ||
| Q3 24 | — | $7.4B | ||
| Q2 24 | $383.0M | $6.2B | ||
| Q1 24 | $378.0M | $6.0B | ||
| Q4 23 | $379.8M | $6.4B |
总资产AROWCMA
| Q3 25 | — | $77.4B | ||
| Q2 25 | — | $78.0B | ||
| Q1 25 | — | $77.6B | ||
| Q4 24 | — | $79.3B | ||
| Q3 24 | — | $79.7B | ||
| Q2 24 | $4.2B | $79.6B | ||
| Q1 24 | $4.3B | $79.4B | ||
| Q4 23 | $4.2B | $85.8B |
负债/权益比AROWCMA
| 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× | ||
| Q4 23 | 0.02× | 0.97× |
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 | $9.1M | $-270.0M |
| 自由现金流经营现金流 - 资本支出 | $7.5M | — |
| 自由现金流率自由现金流/营收 | 27.7% | — |
| 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 | 1.06× | -1.53× |
| 过去12个月自由现金流最近4个季度 | $9.6M | — |
8季度趋势，按日历期对齐
经营现金流AROWCMA
| Q3 25 | — | $-270.0M | ||
| Q2 25 | — | $476.0M | ||
| Q1 25 | — | $273.0M | ||
| Q4 24 | — | $-354.0M | ||
| Q3 24 | — | $1.0B | ||
| Q2 24 | $9.1M | $111.0M | ||
| Q1 24 | $10.3M | $-205.0M | ||
| Q4 23 | $-16.3M | $1.1B |
自由现金流AROWCMA
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | $7.5M | — | ||
| Q1 24 | $9.2M | — | ||
| Q4 23 | $-16.9M | — |
自由现金流率AROWCMA
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 27.7% | — | ||
| Q1 24 | 34.8% | — | ||
| Q4 23 | -66.1% | — |
资本支出强度AROWCMA
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 5.8% | — | ||
| Q1 24 | 4.4% | — | ||
| Q4 23 | 2.4% | — |
现金转化率AROWCMA
| Q3 25 | — | -1.53× | ||
| Q2 25 | — | 2.39× | ||
| Q1 25 | — | 1.59× | ||
| Q4 24 | — | -2.08× | ||
| Q3 24 | — | 5.70× | ||
| Q2 24 | 1.06× | 0.54× | ||
| Q1 24 | 1.35× | -1.49× | ||
| Q4 23 | -2.11× | 34.00× |
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
AROW
暂无分部数据
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% |
