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AMERISERV FINANCIAL INC（ASRV）与BANCFIRST CORP（BANF）财务数据对比。点击上方公司名可切换其他公司
BANCFIRST CORP的季度营收约是AMERISERV FINANCIAL INC的32.7倍（$127.7M vs $3.9M）。BANCFIRST CORP净利率更高（46.6% vs 36.9%，领先9.7%）。BANCFIRST CORP同比增速更快（10.1% vs 2.4%）。过去两年BANCFIRST CORP的营收复合增速更高（9.7% 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。
BancFirst Corporation是总部位于美国俄克拉荷马州的金融服务控股公司，旗下共运营三家附属银行：俄克拉荷马州特许银行BancFirst，以及得克萨斯州特许的Pegasus银行和沃辛顿银行，为两地市场提供多元金融服务。
ASRV vs BANF — 直观对比
营收规模更大
BANF
是对方的32.7倍
$3.9M
营收增速更快
BANF
高出7.7%
2.4%
净利率更高
BANF
高出9.7%
36.9%
两年增速更快
BANF
近两年复合增速
-1.9%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $3.9M | $127.7M |
| 净利润 | $1.4M | $59.5M |
| 毛利率 | — | — |
| 营业利润率 | 43.0% | 59.0% |
| 净利率 | 36.9% | 46.6% |
| 营收同比 | 2.4% | 10.1% |
| 净利润同比 | 62.2% | 5.3% |
| 每股收益（稀释后） | $0.09 | $1.75 |
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ASRVBANF
| Q4 25 | $3.9M | $127.7M | ||
| Q3 25 | $3.7M | $125.6M | ||
| Q2 25 | $3.6M | $121.3M | ||
| Q1 25 | $3.5M | $115.9M | ||
| Q4 24 | $3.8M | $115.9M | ||
| Q3 24 | $3.9M | $115.0M | ||
| Q2 24 | $3.9M | $109.9M | ||
| Q1 24 | $4.1M | $106.1M |
净利润ASRVBANF
| Q4 25 | $1.4M | $59.5M | ||
| Q3 25 | $2.5M | $62.7M | ||
| Q2 25 | $-282.0K | $62.3M | ||
| Q1 25 | $1.9M | $56.1M | ||
| Q4 24 | $889.0K | $56.5M | ||
| Q3 24 | $1.2M | $58.9M | ||
| Q2 24 | $-375.0K | $50.6M | ||
| Q1 24 | $1.9M | $50.3M |
营业利润率ASRVBANF
| Q4 25 | 43.0% | 59.0% | ||
| Q3 25 | 84.3% | 62.9% | ||
| Q2 25 | -9.8% | 65.7% | ||
| Q1 25 | 68.8% | 61.3% | ||
| Q4 24 | 28.2% | 62.1% | ||
| Q3 24 | 36.6% | 64.3% | ||
| Q2 24 | -12.5% | 59.3% | ||
| Q1 24 | 58.8% | 60.5% |
净利率ASRVBANF
| Q4 25 | 36.9% | 46.6% | ||
| Q3 25 | 69.5% | 49.9% | ||
| Q2 25 | -7.8% | 51.4% | ||
| Q1 25 | 55.0% | 48.4% | ||
| Q4 24 | 23.3% | 48.7% | ||
| Q3 24 | 30.5% | 51.2% | ||
| Q2 24 | -9.7% | 46.1% | ||
| Q1 24 | 46.9% | 47.4% |
每股收益（稀释后）ASRVBANF
| Q4 25 | $0.09 | $1.75 | ||
| Q3 25 | $0.15 | $1.85 | ||
| Q2 25 | $-0.02 | $1.85 | ||
| Q1 25 | $0.12 | $1.66 | ||
| Q4 24 | $0.05 | $1.68 | ||
| Q3 24 | $0.07 | $1.75 | ||
| Q2 24 | $-0.02 | $1.51 | ||
| Q1 24 | $0.11 | $1.50 |
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 | $119.3M | $1.9B |
| 总资产 | $1.5B | $14.8B |
| 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ASRVBANF
| Q4 25 | $119.3M | $1.9B | ||
| Q3 25 | $114.6M | $1.8B | ||
| Q2 25 | $110.9M | $1.7B | ||
| Q1 25 | $110.8M | $1.7B | ||
| Q4 24 | $107.2M | $1.6B | ||
| Q3 24 | $108.2M | $1.6B | ||
| Q2 24 | $103.7M | $1.5B | ||
| Q1 24 | $103.9M | $1.5B |
总资产ASRVBANF
| Q4 25 | $1.5B | $14.8B | ||
| Q3 25 | $1.5B | $14.2B | ||
| Q2 25 | $1.4B | $14.0B | ||
| Q1 25 | $1.4B | $14.0B | ||
| Q4 24 | $1.4B | $13.6B | ||
| Q3 24 | $1.4B | $13.3B | ||
| Q2 24 | $1.4B | $12.7B | ||
| Q1 24 | $1.4B | $12.6B |
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 | $1.2M | $54.8M |
| 自由现金流经营现金流 - 资本支出 | — | $43.2M |
| 自由现金流率自由现金流/营收 | — | 33.9% |
| 资本支出强度资本支出/营收 | — | 9.0% |
| 现金转化率经营现金流/净利润 | 0.86× | 0.92× |
| 过去12个月自由现金流最近4个季度 | — | $237.0M |
8季度趋势，按日历期对齐
经营现金流ASRVBANF
| Q4 25 | $1.2M | $54.8M | ||
| Q3 25 | $1.4M | $75.4M | ||
| Q2 25 | $-62.0K | $78.1M | ||
| Q1 25 | $599.0K | $77.0M | ||
| Q4 24 | $3.4M | $17.1M | ||
| Q3 24 | $-235.0K | $77.6M | ||
| Q2 24 | $1.7M | $100.2M | ||
| Q1 24 | $-2.2M | $66.3M |
自由现金流ASRVBANF
| Q4 25 | — | $43.2M | ||
| Q3 25 | — | $63.7M | ||
| Q2 25 | — | $64.4M | ||
| Q1 25 | — | $65.6M | ||
| Q4 24 | — | $2.0M | ||
| Q3 24 | — | $72.4M | ||
| Q2 24 | — | $94.1M | ||
| Q1 24 | — | $56.1M |
自由现金流率ASRVBANF
| Q4 25 | — | 33.9% | ||
| Q3 25 | — | 50.7% | ||
| Q2 25 | — | 53.1% | ||
| Q1 25 | — | 56.6% | ||
| Q4 24 | — | 1.7% | ||
| Q3 24 | — | 62.9% | ||
| Q2 24 | — | 85.7% | ||
| Q1 24 | — | 52.8% |
资本支出强度ASRVBANF
| Q4 25 | — | 9.0% | ||
| Q3 25 | — | 9.3% | ||
| Q2 25 | — | 11.3% | ||
| Q1 25 | — | 9.8% | ||
| Q4 24 | — | 13.1% | ||
| Q3 24 | — | 4.6% | ||
| Q2 24 | — | 5.5% | ||
| Q1 24 | — | 9.7% |
现金转化率ASRVBANF
| Q4 25 | 0.86× | 0.92× | ||
| Q3 25 | 0.55× | 1.20× | ||
| Q2 25 | — | 1.25× | ||
| Q1 25 | 0.31× | 1.37× | ||
| Q4 24 | 3.79× | 0.30× | ||
| Q3 24 | -0.20× | 1.32× | ||
| Q2 24 | — | 1.98× | ||
| Q1 24 | -1.13× | 1.32× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
