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AMERISERV FINANCIAL INC（ASRV）与WEBSTER FINANCIAL CORP（WBS）财务数据对比。点击上方公司名可切换其他公司
WEBSTER FINANCIAL CORP的季度营收约是AMERISERV FINANCIAL INC的15.0倍（$58.7M vs $3.9M）。WEBSTER FINANCIAL CORP净利率更高（435.9% vs 36.9%，领先398.9%）。AMERISERV FINANCIAL INC同比增速更快（2.4% vs -0.2%）。过去两年AMERISERV FINANCIAL INC的营收复合增速更高（-1.9% vs -4.2%）
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。
韦伯斯特银行是总部位于美国康涅狄格州斯坦福德的商业银行，业务覆盖康涅狄格州、马萨诸塞州、罗德岛州、新泽西州，以及纽约州的威彻斯特、奥兰治、阿尔斯特、罗克兰县和纽约市，共设有177家营业网点和316台自动柜员机。
ASRV vs WBS — 直观对比
营收规模更大
WBS
是对方的15.0倍
$3.9M
营收增速更快
ASRV
高出2.5%
-0.2%
净利率更高
WBS
高出398.9%
36.9%
两年增速更快
ASRV
近两年复合增速
-4.2%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $3.9M | $58.7M |
| 净利润 | $1.4M | $255.8M |
| 毛利率 | — | — |
| 营业利润率 | 43.0% | — |
| 净利率 | 36.9% | 435.9% |
| 营收同比 | 2.4% | -0.2% |
| 净利润同比 | 62.2% | 43.9% |
| 每股收益（稀释后） | $0.09 | $1.54 |
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ASRVWBS
| Q4 25 | $3.9M | $58.7M | ||
| Q3 25 | $3.7M | $59.1M | ||
| Q2 25 | $3.6M | $59.4M | ||
| Q1 25 | $3.5M | $60.8M | ||
| Q4 24 | $3.8M | $58.8M | ||
| Q3 24 | $3.9M | $61.1M | ||
| Q2 24 | $3.9M | $61.8M | ||
| Q1 24 | $4.1M | $64.0M |
净利润ASRVWBS
| Q4 25 | $1.4M | $255.8M | ||
| Q3 25 | $2.5M | $261.2M | ||
| Q2 25 | $-282.0K | $258.8M | ||
| Q1 25 | $1.9M | $226.9M | ||
| Q4 24 | $889.0K | $177.8M | ||
| Q3 24 | $1.2M | $193.0M | ||
| Q2 24 | $-375.0K | $181.6M | ||
| Q1 24 | $1.9M | $216.3M |
营业利润率ASRVWBS
| 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ASRVWBS
| Q4 25 | 36.9% | 435.9% | ||
| Q3 25 | 69.5% | 442.3% | ||
| Q2 25 | -7.8% | 435.6% | ||
| Q1 25 | 55.0% | 373.4% | ||
| Q4 24 | 23.3% | 302.4% | ||
| Q3 24 | 30.5% | 316.0% | ||
| Q2 24 | -9.7% | 293.7% | ||
| Q1 24 | 46.9% | 338.0% |
每股收益（稀释后）ASRVWBS
| Q4 25 | $0.09 | $1.54 | ||
| Q3 25 | $0.15 | $1.54 | ||
| Q2 25 | $-0.02 | $1.52 | ||
| Q1 25 | $0.12 | $1.30 | ||
| Q4 24 | $0.05 | $1.01 | ||
| Q3 24 | $0.07 | $1.10 | ||
| Q2 24 | $-0.02 | $1.03 | ||
| Q1 24 | $0.11 | $1.23 |
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 | — | $739.5M |
| 股东权益账面价值 | $119.3M | $9.5B |
| 总资产 | $1.5B | $84.1B |
| 负债/权益比越低杠杆越低 | — | 0.08× |
8季度趋势，按日历期对齐
总债务ASRVWBS
| Q4 25 | — | $739.5M | ||
| Q3 25 | — | $1.2B | ||
| Q2 25 | — | $905.6M | ||
| Q1 25 | — | $907.4M | ||
| Q4 24 | — | $909.2M | ||
| Q3 24 | — | $911.0M | ||
| Q2 24 | — | $912.7M | ||
| Q1 24 | — | $914.5M |
股东权益ASRVWBS
| Q4 25 | $119.3M | $9.5B | ||
| Q3 25 | $114.6M | $9.5B | ||
| Q2 25 | $110.9M | $9.3B | ||
| Q1 25 | $110.8M | $9.2B | ||
| Q4 24 | $107.2M | $9.1B | ||
| Q3 24 | $108.2M | $9.2B | ||
| Q2 24 | $103.7M | $8.8B | ||
| Q1 24 | $103.9M | $8.7B |
总资产ASRVWBS
| Q4 25 | $1.5B | $84.1B | ||
| Q3 25 | $1.5B | $83.2B | ||
| Q2 25 | $1.4B | $81.9B | ||
| Q1 25 | $1.4B | $80.3B | ||
| Q4 24 | $1.4B | $79.0B | ||
| Q3 24 | $1.4B | $79.5B | ||
| Q2 24 | $1.4B | $76.8B | ||
| Q1 24 | $1.4B | $76.2B |
负债/权益比ASRVWBS
| Q4 25 | — | 0.08× | ||
| Q3 25 | — | 0.13× | ||
| Q2 25 | — | 0.10× | ||
| Q1 25 | — | 0.10× | ||
| Q4 24 | — | 0.10× | ||
| Q3 24 | — | 0.10× | ||
| Q2 24 | — | 0.10× | ||
| Q1 24 | — | 0.10× |
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 | $317.6M |
| 自由现金流经营现金流 - 资本支出 | — | $301.8M |
| 自由现金流率自由现金流/营收 | — | 514.2% |
| 资本支出强度资本支出/营收 | — | 26.9% |
| 现金转化率经营现金流/净利润 | 0.86× | 1.24× |
| 过去12个月自由现金流最近4个季度 | — | $1.0B |
8季度趋势，按日历期对齐
经营现金流ASRVWBS
| Q4 25 | $1.2M | $317.6M | ||
| Q3 25 | $1.4M | $374.7M | ||
| Q2 25 | $-62.0K | $270.9M | ||
| Q1 25 | $599.0K | $94.9M | ||
| Q4 24 | $3.4M | $891.3M | ||
| Q3 24 | $-235.0K | $45.3M | ||
| Q2 24 | $1.7M | $224.0M | ||
| Q1 24 | $-2.2M | $243.7M |
自由现金流ASRVWBS
| Q4 25 | — | $301.8M | ||
| Q3 25 | — | $362.5M | ||
| Q2 25 | — | $257.7M | ||
| Q1 25 | — | $86.6M | ||
| Q4 24 | — | $879.0M | ||
| Q3 24 | — | $35.3M | ||
| Q2 24 | — | $215.6M | ||
| Q1 24 | — | $238.6M |
自由现金流率ASRVWBS
| Q4 25 | — | 514.2% | ||
| Q3 25 | — | 613.7% | ||
| Q2 25 | — | 433.6% | ||
| Q1 25 | — | 142.5% | ||
| Q4 24 | — | 1495.2% | ||
| Q3 24 | — | 57.8% | ||
| Q2 24 | — | 348.6% | ||
| Q1 24 | — | 372.8% |
资本支出强度ASRVWBS
| Q4 25 | — | 26.9% | ||
| Q3 25 | — | 20.7% | ||
| Q2 25 | — | 22.2% | ||
| Q1 25 | — | 13.7% | ||
| Q4 24 | — | 21.0% | ||
| Q3 24 | — | 16.4% | ||
| Q2 24 | — | 13.6% | ||
| Q1 24 | — | 7.9% |
现金转化率ASRVWBS
| Q4 25 | 0.86× | 1.24× | ||
| Q3 25 | 0.55× | 1.43× | ||
| Q2 25 | — | 1.05× | ||
| Q1 25 | 0.31× | 0.42× | ||
| Q4 24 | 3.79× | 5.01× | ||
| Q3 24 | -0.20× | 0.23× | ||
| Q2 24 | — | 1.23× | ||
| Q1 24 | -1.13× | 1.13× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
