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AMERISERV FINANCIAL INC（ASRV）与California BanCorp \ CA（BCAL）财务数据对比。点击上方公司名可切换其他公司
California BanCorp \ CA的季度营收约是AMERISERV FINANCIAL INC的11.0倍（$42.9M vs $3.9M）。California BanCorp \ CA净利率更高（38.3% vs 36.9%，领先1.3%）。AMERISERV FINANCIAL INC同比增速更快（2.4% vs -3.7%）。过去两年California BanCorp \ CA的营收复合增速更高（44.7% 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。
太平洋第一控股是依据美国1956年银行控股公司法案成立的美国银行控股集团，总部位于加利福尼亚州欧文市。集团核心业务围绕旗下太平洋第一银行展开，为个人、企业及专业人士提供各类金融服务，目前在加州、亚利桑那州、内华达州和华盛顿州开设了多家网点。
ASRV vs BCAL — 直观对比
营收规模更大
BCAL
是对方的11.0倍
$3.9M
营收增速更快
ASRV
高出6.1%
-3.7%
净利率更高
BCAL
高出1.3%
36.9%
两年增速更快
BCAL
近两年复合增速
-1.9%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $3.9M | $42.9M |
| 净利润 | $1.4M | $16.4M |
| 毛利率 | — | — |
| 营业利润率 | 43.0% | 52.2% |
| 净利率 | 36.9% | 38.3% |
| 营收同比 | 2.4% | -3.7% |
| 净利润同比 | 62.2% | -2.1% |
| 每股收益（稀释后） | $0.09 | $0.50 |
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ASRVBCAL
| Q4 25 | $3.9M | $42.9M | ||
| Q3 25 | $3.7M | $42.5M | ||
| Q2 25 | $3.6M | $41.4M | ||
| Q1 25 | $3.5M | $42.3M | ||
| Q4 24 | $3.8M | $44.5M | ||
| Q3 24 | $3.9M | $36.9M | ||
| Q2 24 | $3.9M | $21.0M | ||
| Q1 24 | $4.1M | $20.5M |
净利润ASRVBCAL
| Q4 25 | $1.4M | $16.4M | ||
| Q3 25 | $2.5M | $15.7M | ||
| Q2 25 | $-282.0K | $14.1M | ||
| Q1 25 | $1.9M | $16.9M | ||
| Q4 24 | $889.0K | $16.8M | ||
| Q3 24 | $1.2M | $-16.5M | ||
| Q2 24 | $-375.0K | $190.0K | ||
| Q1 24 | $1.9M | $4.9M |
营业利润率ASRVBCAL
| Q4 25 | 43.0% | 52.2% | ||
| Q3 25 | 84.3% | 51.3% | ||
| Q2 25 | -9.8% | 48.5% | ||
| Q1 25 | 68.8% | 56.0% | ||
| Q4 24 | 28.2% | 52.2% | ||
| Q3 24 | 36.6% | -61.0% | ||
| Q2 24 | -12.5% | 1.3% | ||
| Q1 24 | 58.8% | 35.4% |
净利率ASRVBCAL
| Q4 25 | 36.9% | 38.3% | ||
| Q3 25 | 69.5% | 36.9% | ||
| Q2 25 | -7.8% | 34.0% | ||
| Q1 25 | 55.0% | 39.9% | ||
| Q4 24 | 23.3% | 37.7% | ||
| Q3 24 | 30.5% | -44.6% | ||
| Q2 24 | -9.7% | 0.9% | ||
| Q1 24 | 46.9% | 24.1% |
每股收益（稀释后）ASRVBCAL
| Q4 25 | $0.09 | $0.50 | ||
| Q3 25 | $0.15 | $0.48 | ||
| Q2 25 | $-0.02 | $0.43 | ||
| Q1 25 | $0.12 | $0.52 | ||
| Q4 24 | $0.05 | $0.54 | ||
| Q3 24 | $0.07 | $-0.59 | ||
| Q2 24 | $-0.02 | $0.01 | ||
| Q1 24 | $0.11 | $0.26 |
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 | — | $399.9M |
| 总债务越低越好 | — | $33.8M |
| 股东权益账面价值 | $119.3M | $576.6M |
| 总资产 | $1.5B | $4.0B |
| 负债/权益比越低杠杆越低 | — | 0.06× |
8季度趋势，按日历期对齐
现金及短期投资ASRVBCAL
| Q4 25 | — | $399.9M | ||
| Q3 25 | — | $559.2M | ||
| Q2 25 | — | $430.1M | ||
| Q1 25 | — | $439.2M | ||
| Q4 24 | — | $388.2M | ||
| Q3 24 | — | $614.4M | ||
| Q2 24 | — | $104.7M | ||
| Q1 24 | — | $86.5M |
总债务ASRVBCAL
| Q4 25 | — | $33.8M | ||
| Q3 25 | — | $33.4M | ||
| Q2 25 | — | $52.9M | ||
| Q1 25 | — | $70.3M | ||
| Q4 24 | — | $69.7M | ||
| Q3 24 | — | $69.1M | ||
| Q2 24 | — | $42.9M | ||
| Q1 24 | — | $44.9M |
股东权益ASRVBCAL
| Q4 25 | $119.3M | $576.6M | ||
| Q3 25 | $114.6M | $564.7M | ||
| Q2 25 | $110.9M | $547.6M | ||
| Q1 25 | $110.8M | $531.4M | ||
| Q4 24 | $107.2M | $511.8M | ||
| Q3 24 | $108.2M | $498.1M | ||
| Q2 24 | $103.7M | $293.2M | ||
| Q1 24 | $103.9M | $292.5M |
总资产ASRVBCAL
| Q4 25 | $1.5B | $4.0B | ||
| Q3 25 | $1.5B | $4.1B | ||
| Q2 25 | $1.4B | $4.0B | ||
| Q1 25 | $1.4B | $4.0B | ||
| Q4 24 | $1.4B | $4.0B | ||
| Q3 24 | $1.4B | $4.4B | ||
| Q2 24 | $1.4B | $2.3B | ||
| Q1 24 | $1.4B | $2.3B |
负债/权益比ASRVBCAL
| Q4 25 | — | 0.06× | ||
| Q3 25 | — | 0.06× | ||
| Q2 25 | — | 0.10× | ||
| Q1 25 | — | 0.13× | ||
| Q4 24 | — | 0.14× | ||
| Q3 24 | — | 0.14× | ||
| Q2 24 | — | 0.15× | ||
| Q1 24 | — | 0.15× |
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 | $20.9M |
| 自由现金流经营现金流 - 资本支出 | — | $20.8M |
| 自由现金流率自由现金流/营收 | — | 48.5% |
| 资本支出强度资本支出/营收 | — | 0.2% |
| 现金转化率经营现金流/净利润 | 0.86× | 1.27× |
| 过去12个月自由现金流最近4个季度 | — | $56.9M |
8季度趋势，按日历期对齐
经营现金流ASRVBCAL
| Q4 25 | $1.2M | $20.9M | ||
| Q3 25 | $1.4M | $16.0M | ||
| Q2 25 | $-62.0K | $13.4M | ||
| Q1 25 | $599.0K | $7.0M | ||
| Q4 24 | $3.4M | $23.6M | ||
| Q3 24 | $-235.0K | $18.3M | ||
| Q2 24 | $1.7M | $309.0K | ||
| Q1 24 | $-2.2M | $8.1M |
自由现金流ASRVBCAL
| Q4 25 | — | $20.8M | ||
| Q3 25 | — | $15.9M | ||
| Q2 25 | — | $13.4M | ||
| Q1 25 | — | $6.9M | ||
| Q4 24 | — | $23.5M | ||
| Q3 24 | — | $18.1M | ||
| Q2 24 | — | $171.0K | ||
| Q1 24 | — | $8.0M |
自由现金流率ASRVBCAL
| Q4 25 | — | 48.5% | ||
| Q3 25 | — | 37.3% | ||
| Q2 25 | — | 32.3% | ||
| Q1 25 | — | 16.3% | ||
| Q4 24 | — | 52.7% | ||
| Q3 24 | — | 49.0% | ||
| Q2 24 | — | 0.8% | ||
| Q1 24 | — | 38.9% |
资本支出强度ASRVBCAL
| Q4 25 | — | 0.2% | ||
| Q3 25 | — | 0.3% | ||
| Q2 25 | — | 0.1% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | — | 0.3% | ||
| Q3 24 | — | 0.5% | ||
| Q2 24 | — | 0.7% | ||
| Q1 24 | — | 0.4% |
现金转化率ASRVBCAL
| Q4 25 | 0.86× | 1.27× | ||
| Q3 25 | 0.55× | 1.02× | ||
| Q2 25 | — | 0.95× | ||
| Q1 25 | 0.31× | 0.41× | ||
| Q4 24 | 3.79× | 1.41× | ||
| Q3 24 | -0.20× | — | ||
| Q2 24 | — | 1.63× | ||
| Q1 24 | -1.13× | 1.63× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
