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AMERISERV FINANCIAL INC（ASRV）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AMERISERV FINANCIAL INC的47.9倍（$187.0M vs $3.9M）。COMERICA INC净利率更高（94.1% vs 36.9%，领先57.2%）。AMERISERV FINANCIAL INC同比增速更快（2.4% vs -2.1%）。过去两年COMERICA INC的营收复合增速更高（-1.3% 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。
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。
ASRV vs CMA — 直观对比
营收规模更大
CMA
是对方的47.9倍
$3.9M
营收增速更快
ASRV
高出4.5%
-2.1%
净利率更高
CMA
高出57.2%
36.9%
两年增速更快
CMA
近两年复合增速
-1.9%
损益表 — Q4 2025 vs Q3 2025
| 指标 | | |
|---|---|---|
| 营收 | $3.9M | $187.0M |
| 净利润 | $1.4M | $176.0M |
| 毛利率 | — | — |
| 营业利润率 | 43.0% | — |
| 净利率 | 36.9% | 94.1% |
| 营收同比 | 2.4% | -2.1% |
| 净利润同比 | 62.2% | -4.3% |
| 每股收益（稀释后） | $0.09 | $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ASRVCMA
| Q4 25 | $3.9M | — | ||
| Q3 25 | $3.7M | $187.0M | ||
| Q2 25 | $3.6M | $185.0M | ||
| Q1 25 | $3.5M | $183.0M | ||
| Q4 24 | $3.8M | $191.0M | ||
| Q3 24 | $3.9M | $191.0M | ||
| Q2 24 | $3.9M | $203.0M | ||
| Q1 24 | $4.1M | $187.0M |
净利润ASRVCMA
| Q4 25 | $1.4M | — | ||
| Q3 25 | $2.5M | $176.0M | ||
| Q2 25 | $-282.0K | $199.0M | ||
| Q1 25 | $1.9M | $172.0M | ||
| Q4 24 | $889.0K | $170.0M | ||
| Q3 24 | $1.2M | $184.0M | ||
| Q2 24 | $-375.0K | $206.0M | ||
| Q1 24 | $1.9M | $138.0M |
营业利润率ASRVCMA
| Q4 25 | 43.0% | — | ||
| Q3 25 | 84.3% | — | ||
| Q2 25 | -9.8% | — | ||
| Q1 25 | 68.8% | — | ||
| Q4 24 | 28.2% | — | ||
| Q3 24 | 36.6% | — | ||
| Q2 24 | -12.5% | — | ||
| Q1 24 | 58.8% | — |
净利率ASRVCMA
| Q4 25 | 36.9% | — | ||
| Q3 25 | 69.5% | 94.1% | ||
| Q2 25 | -7.8% | 107.6% | ||
| Q1 25 | 55.0% | 94.0% | ||
| Q4 24 | 23.3% | 89.0% | ||
| Q3 24 | 30.5% | 96.3% | ||
| Q2 24 | -9.7% | 101.5% | ||
| Q1 24 | 46.9% | 73.8% |
每股收益（稀释后）ASRVCMA
| Q4 25 | $0.09 | — | ||
| Q3 25 | $0.15 | $1.35 | ||
| Q2 25 | $-0.02 | $1.42 | ||
| Q1 25 | $0.12 | $1.25 | ||
| Q4 24 | $0.05 | $1.22 | ||
| Q3 24 | $0.07 | $1.33 | ||
| Q2 24 | $-0.02 | $1.49 | ||
| Q1 24 | $0.11 | $0.98 |
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 | $119.3M | $7.4B |
| 总资产 | $1.5B | $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ASRVCMA
| Q4 25 | — | — | ||
| 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 |
股东权益ASRVCMA
| Q4 25 | $119.3M | — | ||
| Q3 25 | $114.6M | $7.4B | ||
| Q2 25 | $110.9M | $6.9B | ||
| Q1 25 | $110.8M | $7.1B | ||
| Q4 24 | $107.2M | $6.5B | ||
| Q3 24 | $108.2M | $7.4B | ||
| Q2 24 | $103.7M | $6.2B | ||
| Q1 24 | $103.9M | $6.0B |
总资产ASRVCMA
| Q4 25 | $1.5B | — | ||
| Q3 25 | $1.5B | $77.4B | ||
| Q2 25 | $1.4B | $78.0B | ||
| Q1 25 | $1.4B | $77.6B | ||
| Q4 24 | $1.4B | $79.3B | ||
| Q3 24 | $1.4B | $79.7B | ||
| Q2 24 | $1.4B | $79.6B | ||
| Q1 24 | $1.4B | $79.4B |
负债/权益比ASRVCMA
| Q4 25 | — | — | ||
| 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× |
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 | $-270.0M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | 0.86× | -1.53× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流ASRVCMA
| Q4 25 | $1.2M | — | ||
| Q3 25 | $1.4M | $-270.0M | ||
| Q2 25 | $-62.0K | $476.0M | ||
| Q1 25 | $599.0K | $273.0M | ||
| Q4 24 | $3.4M | $-354.0M | ||
| Q3 24 | $-235.0K | $1.0B | ||
| Q2 24 | $1.7M | $111.0M | ||
| Q1 24 | $-2.2M | $-205.0M |
现金转化率ASRVCMA
| Q4 25 | 0.86× | — | ||
| Q3 25 | 0.55× | -1.53× | ||
| Q2 25 | — | 2.39× | ||
| Q1 25 | 0.31× | 1.59× | ||
| Q4 24 | 3.79× | -2.08× | ||
| Q3 24 | -0.20× | 5.70× | ||
| Q2 24 | — | 0.54× | ||
| Q1 24 | -1.13× | -1.49× |
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
ASRV
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% |
