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AMERISERV FINANCIAL INC（ASRV）与美国合众银行（USB）财务数据对比。点击上方公司名可切换其他公司
美国合众银行的季度营收约是AMERISERV FINANCIAL INC的1887.0倍（$7.4B vs $3.9M）。AMERISERV FINANCIAL INC净利率更高（36.9% vs 27.8%，领先9.2%）。美国合众银行同比增速更快（5.1% vs 2.4%）。过去两年美国合众银行的营收复合增速更高（4.7% 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。
美国合众银行是美国跨国银行机构，总部位于明尼苏达州明尼阿波利斯，在特拉华州注册成立。截至2025年为美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为系统重要性机构，旗下核心运营主体提供银行、投资、按揭等多元金融服务。
ASRV vs USB — 直观对比
营收规模更大
USB
是对方的1887.0倍
$3.9M
营收增速更快
USB
高出2.7%
2.4%
净利率更高
ASRV
高出9.2%
27.8%
两年增速更快
USB
近两年复合增速
-1.9%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $3.9M | $7.4B |
| 净利润 | $1.4M | $2.0B |
| 毛利率 | — | — |
| 营业利润率 | 43.0% | 34.4% |
| 净利率 | 36.9% | 27.8% |
| 营收同比 | 2.4% | 5.1% |
| 净利润同比 | 62.2% | 23.0% |
| 每股收益（稀释后） | $0.09 | $1.26 |
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ASRVUSB
| Q4 25 | $3.9M | $7.4B | ||
| Q3 25 | $3.7M | $7.3B | ||
| Q2 25 | $3.6M | $7.0B | ||
| Q1 25 | $3.5M | $7.0B | ||
| Q4 24 | $3.8M | $7.0B | ||
| Q3 24 | $3.9M | $6.9B | ||
| Q2 24 | $3.9M | $6.9B | ||
| Q1 24 | $4.1M | $6.7B |
净利润ASRVUSB
| Q4 25 | $1.4M | $2.0B | ||
| Q3 25 | $2.5M | $2.0B | ||
| Q2 25 | $-282.0K | $1.8B | ||
| Q1 25 | $1.9M | $1.7B | ||
| Q4 24 | $889.0K | $1.7B | ||
| Q3 24 | $1.2M | $1.7B | ||
| Q2 24 | $-375.0K | $1.6B | ||
| Q1 24 | $1.9M | $1.3B |
营业利润率ASRVUSB
| Q4 25 | 43.0% | 34.4% | ||
| Q3 25 | 84.3% | 34.5% | ||
| Q2 25 | -9.8% | 32.7% | ||
| Q1 25 | 68.8% | 31.0% | ||
| Q4 24 | 28.2% | 30.1% | ||
| Q3 24 | 36.6% | 30.2% | ||
| Q2 24 | -12.5% | 29.9% | ||
| Q1 24 | 58.8% | 24.9% |
净利率ASRVUSB
| Q4 25 | 36.9% | 27.8% | ||
| Q3 25 | 69.5% | 27.3% | ||
| Q2 25 | -7.8% | 25.9% | ||
| Q1 25 | 55.0% | 24.6% | ||
| Q4 24 | 23.3% | 23.7% | ||
| Q3 24 | 30.5% | 25.0% | ||
| Q2 24 | -9.7% | 23.3% | ||
| Q1 24 | 46.9% | 19.6% |
每股收益（稀释后）ASRVUSB
| Q4 25 | $0.09 | $1.26 | ||
| Q3 25 | $0.15 | $1.22 | ||
| Q2 25 | $-0.02 | $1.11 | ||
| Q1 25 | $0.12 | $1.03 | ||
| Q4 24 | $0.05 | $1.01 | ||
| Q3 24 | $0.07 | $1.03 | ||
| Q2 24 | $-0.02 | $0.97 | ||
| Q1 24 | $0.11 | $0.78 |
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 | $65.2B |
| 总资产 | $1.5B | $692.3B |
| 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ASRVUSB
| Q4 25 | $119.3M | $65.2B | ||
| Q3 25 | $114.6M | $63.3B | ||
| Q2 25 | $110.9M | $61.4B | ||
| Q1 25 | $110.8M | $60.1B | ||
| Q4 24 | $107.2M | $58.6B | ||
| Q3 24 | $108.2M | $58.9B | ||
| Q2 24 | $103.7M | $56.4B | ||
| Q1 24 | $103.9M | $55.6B |
总资产ASRVUSB
| Q4 25 | $1.5B | $692.3B | ||
| Q3 25 | $1.5B | $695.4B | ||
| Q2 25 | $1.4B | $686.4B | ||
| Q1 25 | $1.4B | $676.5B | ||
| Q4 24 | $1.4B | $678.3B | ||
| Q3 24 | $1.4B | $686.5B | ||
| Q2 24 | $1.4B | $680.1B | ||
| Q1 24 | $1.4B | $683.6B |
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 | $2.8B |
| 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× | 1.39× |
| 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ASRVUSB
| Q4 25 | $1.2M | $2.8B | ||
| Q3 25 | $1.4M | $3.4B | ||
| Q2 25 | $-62.0K | $2.0B | ||
| Q1 25 | $599.0K | $-285.0M | ||
| Q4 24 | $3.4M | $4.8B | ||
| Q3 24 | $-235.0K | $972.0M | ||
| Q2 24 | $1.7M | $2.9B | ||
| Q1 24 | $-2.2M | $2.7B |
现金转化率ASRVUSB
| Q4 25 | 0.86× | 1.39× | ||
| Q3 25 | 0.55× | 1.69× | ||
| Q2 25 | — | 1.12× | ||
| Q1 25 | 0.31× | -0.17× | ||
| Q4 24 | 3.79× | 2.87× | ||
| Q3 24 | -0.20× | 0.57× | ||
| Q2 24 | — | 1.79× | ||
| Q1 24 | -1.13× | 2.02× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
