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AMERISERV FINANCIAL INC（ASRV）与Truist Financial（TFC）财务数据对比。点击上方公司名可切换其他公司
Truist Financial的季度营收约是AMERISERV FINANCIAL INC的948.0倍（$3.7B vs $3.9M）。AMERISERV FINANCIAL INC净利率更高（36.9% vs 36.6%，领先0.4%）。Truist Financial同比增速更快（3.1% vs 2.4%）。过去两年Truist Financial的营收复合增速更高（4.8% 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。
Truist Financial是美国银行控股公司，总部位于北卡罗来纳州夏洛特，2019年12月由BB&T与SunTrust合并组建。旗下银行在15个州及华盛顿特区共运营1928家网点，提供零售、商业、投资银行、证券经纪、资产管理、抵押贷款、保险等多元金融产品服务，为美国第十大银行，总资产达5230亿美元。
ASRV vs TFC — 直观对比
营收规模更大
TFC
是对方的948.0倍
$3.9M
营收增速更快
TFC
高出0.7%
2.4%
净利率更高
ASRV
高出0.4%
36.6%
两年增速更快
TFC
近两年复合增速
-1.9%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $3.9M | $3.7B |
| 净利润 | $1.4M | $1.4B |
| 毛利率 | — | — |
| 营业利润率 | 43.0% | 42.3% |
| 净利率 | 36.9% | 36.6% |
| 营收同比 | 2.4% | 3.1% |
| 净利润同比 | 62.2% | 6.1% |
| 每股收益（稀释后） | $0.09 | $1.01 |
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ASRVTFC
| Q4 25 | $3.9M | $3.7B | ||
| Q3 25 | $3.7M | $3.6B | ||
| Q2 25 | $3.6M | $3.6B | ||
| Q1 25 | $3.5M | $3.5B | ||
| Q4 24 | $3.8M | $3.6B | ||
| Q3 24 | $3.9M | $3.6B | ||
| Q2 24 | $3.9M | $3.5B | ||
| Q1 24 | $4.1M | $3.4B |
净利润ASRVTFC
| Q4 25 | $1.4M | $1.4B | ||
| Q3 25 | $2.5M | $1.5B | ||
| Q2 25 | $-282.0K | $1.2B | ||
| Q1 25 | $1.9M | $1.3B | ||
| Q4 24 | $889.0K | $1.3B | ||
| Q3 24 | $1.2M | $1.4B | ||
| Q2 24 | $-375.0K | $922.0M | ||
| Q1 24 | $1.9M | $1.2B |
营业利润率ASRVTFC
| Q4 25 | 43.0% | 42.3% | ||
| Q3 25 | 84.3% | 47.9% | ||
| Q2 25 | -9.8% | 42.2% | ||
| Q1 25 | 68.8% | 43.8% | ||
| Q4 24 | 28.2% | 43.3% | ||
| Q3 24 | 36.6% | 47.5% | ||
| Q2 24 | -12.5% | -148.3% | ||
| Q1 24 | 58.8% | 40.5% |
净利率ASRVTFC
| Q4 25 | 36.9% | 36.6% | ||
| Q3 25 | 69.5% | 40.0% | ||
| Q2 25 | -7.8% | 34.6% | ||
| Q1 25 | 55.0% | 36.0% | ||
| Q4 24 | 23.3% | 35.5% | ||
| Q3 24 | 30.5% | 40.0% | ||
| Q2 24 | -9.7% | 26.1% | ||
| Q1 24 | 46.9% | 35.6% |
每股收益（稀释后）ASRVTFC
| Q4 25 | $0.09 | $1.01 | ||
| Q3 25 | $0.15 | $1.04 | ||
| Q2 25 | $-0.02 | $0.90 | ||
| Q1 25 | $0.12 | $0.87 | ||
| Q4 24 | $0.05 | $0.94 | ||
| Q3 24 | $0.07 | $0.99 | ||
| Q2 24 | $-0.02 | $0.62 | ||
| Q1 24 | $0.11 | $0.81 |
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 | — | $42.0B |
| 股东权益账面价值 | $119.3M | $65.2B |
| 总资产 | $1.5B | $547.5B |
| 负债/权益比越低杠杆越低 | — | 0.64× |
8季度趋势，按日历期对齐
总债务ASRVTFC
| Q4 25 | — | $42.0B | ||
| Q3 25 | — | $41.7B | ||
| Q2 25 | — | $44.4B | ||
| Q1 25 | — | $32.0B | ||
| Q4 24 | — | $35.0B | ||
| Q3 24 | — | $36.8B | ||
| Q2 24 | — | $34.6B | ||
| Q1 24 | — | $39.1B |
股东权益ASRVTFC
| Q4 25 | $119.3M | $65.2B | ||
| Q3 25 | $114.6M | $65.6B | ||
| Q2 25 | $110.9M | $64.8B | ||
| Q1 25 | $110.8M | $64.6B | ||
| Q4 24 | $107.2M | $63.7B | ||
| Q3 24 | $108.2M | $65.7B | ||
| Q2 24 | $103.7M | $63.8B | ||
| Q1 24 | $103.9M | $59.1B |
总资产ASRVTFC
| Q4 25 | $1.5B | $547.5B | ||
| Q3 25 | $1.5B | $543.9B | ||
| Q2 25 | $1.4B | $543.8B | ||
| Q1 25 | $1.4B | $535.9B | ||
| Q4 24 | $1.4B | $531.2B | ||
| Q3 24 | $1.4B | $523.4B | ||
| Q2 24 | $1.4B | $519.9B | ||
| Q1 24 | $1.4B | $535.0B |
负债/权益比ASRVTFC
| Q4 25 | — | 0.64× | ||
| Q3 25 | — | 0.64× | ||
| Q2 25 | — | 0.69× | ||
| Q1 25 | — | 0.50× | ||
| Q4 24 | — | 0.55× | ||
| Q3 24 | — | 0.56× | ||
| Q2 24 | — | 0.54× | ||
| Q1 24 | — | 0.66× |
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 | $2.6B |
| 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× | 1.91× |
| 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ASRVTFC
| Q4 25 | $1.2M | $2.6B | ||
| Q3 25 | $1.4M | $1.5B | ||
| Q2 25 | $-62.0K | $914.0M | ||
| Q1 25 | $599.0K | $746.0M | ||
| Q4 24 | $3.4M | $775.0M | ||
| Q3 24 | $-235.0K | $1.5B | ||
| Q2 24 | $1.7M | $845.0M | ||
| Q1 24 | $-2.2M | $-990.0M |
现金转化率ASRVTFC
| Q4 25 | 0.86× | 1.91× | ||
| Q3 25 | 0.55× | 1.03× | ||
| Q2 25 | — | 0.74× | ||
| Q1 25 | 0.31× | 0.59× | ||
| Q4 24 | 3.79× | 0.61× | ||
| Q3 24 | -0.20× | 1.06× | ||
| Q2 24 | — | 0.92× | ||
| Q1 24 | -1.13× | -0.82× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
