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AMERISERV FINANCIAL INC（ASRV）与AMES NATIONAL CORP（ATLO）财务数据对比。点击上方公司名可切换其他公司
AMES NATIONAL CORP的季度营收约是AMERISERV FINANCIAL INC的3.9倍（$15.2M vs $3.9M）。AMES NATIONAL CORP净利率更高（42.8% vs 36.9%，领先5.8%）。AMES NATIONAL CORP同比增速更快（25.7% vs 2.4%）。过去两年AMES NATIONAL CORP的营收复合增速更高（18.2% vs -1.9%）
Ameriserv Financial Inc.是总部位于美国宾夕法尼亚州的区域金融服务控股公司，主要为当地个人消费者及中小企业提供零售与商业银行业务，包括存款、各类贷款及财富管理解决方案。
艾姆斯国家公司是总部位于美国爱荷华州的金融控股企业，运营多家社区银行子公司，提供零售及商业银行全品类服务，涵盖存取款、个人及企业贷款、抵押贷款、财富管理等，主要服务爱荷华州中部的消费者和中小微企业。
ASRV vs ATLO — 直观对比
营收规模更大
ATLO
是对方的3.9倍
$3.9M
营收增速更快
ATLO
高出23.3%
2.4%
净利率更高
ATLO
高出5.8%
36.9%
两年增速更快
ATLO
近两年复合增速
-1.9%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $3.9M | $15.2M |
| 净利润 | $1.4M | $6.5M |
| 毛利率 | — | — |
| 营业利润率 | 43.0% | 54.3% |
| 净利率 | 36.9% | 42.8% |
| 营收同比 | 2.4% | 25.7% |
| 净利润同比 | 62.2% | 85.4% |
| 每股收益（稀释后） | $0.09 | — |
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ASRVATLO
| Q4 25 | $3.9M | $15.2M | ||
| Q3 25 | $3.7M | $14.0M | ||
| Q2 25 | $3.6M | $13.5M | ||
| Q1 25 | $3.5M | $12.9M | ||
| Q4 24 | $3.8M | $12.1M | ||
| Q3 24 | $3.9M | $11.1M | ||
| Q2 24 | $3.9M | $10.9M | ||
| Q1 24 | $4.1M | $10.9M |
净利润ASRVATLO
| Q4 25 | $1.4M | $6.5M | ||
| Q3 25 | $2.5M | $4.6M | ||
| Q2 25 | $-282.0K | $4.5M | ||
| Q1 25 | $1.9M | $3.4M | ||
| Q4 24 | $889.0K | $3.5M | ||
| Q3 24 | $1.2M | $2.2M | ||
| Q2 24 | $-375.0K | $2.2M | ||
| Q1 24 | $1.9M | $2.3M |
营业利润率ASRVATLO
| Q4 25 | 43.0% | 54.3% | ||
| Q3 25 | 84.3% | 40.7% | ||
| Q2 25 | -9.8% | 41.9% | ||
| Q1 25 | 68.8% | 32.8% | ||
| Q4 24 | 28.2% | 35.8% | ||
| Q3 24 | 36.6% | 23.6% | ||
| Q2 24 | -12.5% | 23.6% | ||
| Q1 24 | 58.8% | 24.9% |
净利率ASRVATLO
| Q4 25 | 36.9% | 42.8% | ||
| Q3 25 | 69.5% | 32.5% | ||
| Q2 25 | -7.8% | 33.5% | ||
| Q1 25 | 55.0% | 26.7% | ||
| Q4 24 | 23.3% | 29.0% | ||
| Q3 24 | 30.5% | 20.0% | ||
| Q2 24 | -9.7% | 20.1% | ||
| Q1 24 | 46.9% | 21.1% |
每股收益（稀释后）ASRVATLO
| Q4 25 | $0.09 | — | ||
| Q3 25 | $0.15 | — | ||
| Q2 25 | $-0.02 | — | ||
| Q1 25 | $0.12 | — | ||
| Q4 24 | $0.05 | — | ||
| Q3 24 | $0.07 | — | ||
| Q2 24 | $-0.02 | — | ||
| Q1 24 | $0.11 | — |
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 | — | $126.8M |
| 总债务越低越好 | — | $18.4M |
| 股东权益账面价值 | $119.3M | $207.9M |
| 总资产 | $1.5B | $2.1B |
| 负债/权益比越低杠杆越低 | — | 0.09× |
8季度趋势，按日历期对齐
现金及短期投资ASRVATLO
| Q4 25 | — | $126.8M | ||
| Q3 25 | — | $108.2M | ||
| Q2 25 | — | $95.2M | ||
| Q1 25 | — | $163.4M | ||
| Q4 24 | — | $101.2M | ||
| Q3 24 | — | $59.0M | ||
| Q2 24 | — | $63.4M | ||
| Q1 24 | — | $111.4M |
总债务ASRVATLO
| Q4 25 | — | $18.4M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $20.0M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益ASRVATLO
| Q4 25 | $119.3M | $207.9M | ||
| Q3 25 | $114.6M | $200.6M | ||
| Q2 25 | $110.9M | $193.0M | ||
| Q1 25 | $110.8M | $183.1M | ||
| Q4 24 | $107.2M | $174.7M | ||
| Q3 24 | $108.2M | $183.4M | ||
| Q2 24 | $103.7M | $167.1M | ||
| Q1 24 | $103.9M | $165.5M |
总资产ASRVATLO
| Q4 25 | $1.5B | $2.1B | ||
| Q3 25 | $1.5B | $2.1B | ||
| Q2 25 | $1.4B | $2.1B | ||
| Q1 25 | $1.4B | $2.2B | ||
| Q4 24 | $1.4B | $2.1B | ||
| Q3 24 | $1.4B | $2.1B | ||
| Q2 24 | $1.4B | $2.1B | ||
| Q1 24 | $1.4B | $2.2B |
负债/权益比ASRVATLO
| Q4 25 | — | 0.09× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.11× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $1.2M | $7.5M |
| 自由现金流经营现金流 - 资本支出 | — | $7.2M |
| 自由现金流率自由现金流/营收 | — | 47.4% |
| 资本支出强度资本支出/营收 | — | 1.5% |
| 现金转化率经营现金流/净利润 | 0.86× | 1.14× |
| 过去12个月自由现金流最近4个季度 | — | $20.7M |
8季度趋势，按日历期对齐
经营现金流ASRVATLO
| Q4 25 | $1.2M | $7.5M | ||
| Q3 25 | $1.4M | $2.8M | ||
| Q2 25 | $-62.0K | $4.0M | ||
| Q1 25 | $599.0K | $7.1M | ||
| Q4 24 | $3.4M | $5.9M | ||
| Q3 24 | $-235.0K | $3.1M | ||
| Q2 24 | $1.7M | $3.9M | ||
| Q1 24 | $-2.2M | $1.4M |
自由现金流ASRVATLO
| Q4 25 | — | $7.2M | ||
| Q3 25 | — | $2.6M | ||
| Q2 25 | — | $3.9M | ||
| Q1 25 | — | $6.9M | ||
| Q4 24 | — | $5.9M | ||
| Q3 24 | — | $3.0M | ||
| Q2 24 | — | $3.8M | ||
| Q1 24 | — | $1.3M |
自由现金流率ASRVATLO
| Q4 25 | — | 47.4% | ||
| Q3 25 | — | 18.9% | ||
| Q2 25 | — | 28.9% | ||
| Q1 25 | — | 53.6% | ||
| Q4 24 | — | 48.5% | ||
| Q3 24 | — | 27.4% | ||
| Q2 24 | — | 34.9% | ||
| Q1 24 | — | 12.0% |
资本支出强度ASRVATLO
| Q4 25 | — | 1.5% | ||
| Q3 25 | — | 0.7% | ||
| Q2 25 | — | 0.9% | ||
| Q1 25 | — | 1.5% | ||
| Q4 24 | — | 0.6% | ||
| Q3 24 | — | 0.6% | ||
| Q2 24 | — | 0.9% | ||
| Q1 24 | — | 0.6% |
现金转化率ASRVATLO
| Q4 25 | 0.86× | 1.14× | ||
| Q3 25 | 0.55× | 0.60× | ||
| Q2 25 | — | 0.89× | ||
| Q1 25 | 0.31× | 2.07× | ||
| Q4 24 | 3.79× | 1.69× | ||
| Q3 24 | -0.20× | 1.40× | ||
| Q2 24 | — | 1.78× | ||
| Q1 24 | -1.13× | 0.59× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
