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AMES NATIONAL CORP（ATLO）与BANC OF CALIFORNIA, INC.（BANC）财务数据对比。点击上方公司名可切换其他公司
BANC OF CALIFORNIA, INC.的季度营收约是AMES NATIONAL CORP的18.8倍（$286.9M vs $15.2M）。AMES NATIONAL CORP净利率更高（42.8% vs 25.1%，领先17.7%）。AMES NATIONAL CORP同比增速更快（25.7% vs 7.9%）。过去两年BANC OF CALIFORNIA, INC.的营收复合增速更高（462.3% vs 18.2%）
艾姆斯国家公司是总部位于美国爱荷华州的金融控股企业，运营多家社区银行子公司，提供零售及商业银行全品类服务，涵盖存取款、个人及企业贷款、抵押贷款、财富管理等，主要服务爱荷华州中部的消费者和中小微企业。
加州银行是一家美国金融机构，总部位于加利福尼亚州洛杉矶，在加州设有80家分支机构，业务网点还覆盖科罗拉多州丹佛、北卡罗来纳州达勒姆等地，包括纽约、芝加哥在内的全美员工约2000人。该行提供多元化的存贷款产品与服务，专注为中小市场企业及获创投注资的企业提供银行与财资管理解决方案。
ATLO vs BANC — 直观对比
营收规模更大
BANC
是对方的18.8倍
$15.2M
营收增速更快
ATLO
高出17.8%
7.9%
净利率更高
ATLO
高出17.7%
25.1%
两年增速更快
BANC
近两年复合增速
18.2%
损益表 — Q4 2025 vs Q1 2026
| 指标 | | |
|---|---|---|
| 营收 | $15.2M | $286.9M |
| 净利润 | $6.5M | $72.0M |
| 毛利率 | — | — |
| 营业利润率 | 54.3% | — |
| 净利率 | 42.8% | 25.1% |
| 营收同比 | 25.7% | 7.9% |
| 净利润同比 | 85.4% | 34.3% |
| 每股收益（稀释后） | — | $0.39 |
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ATLOBANC
| Q1 26 | — | $286.9M | ||
| Q4 25 | $15.2M | $9.5M | ||
| Q3 25 | $14.0M | $9.8M | ||
| Q2 25 | $13.5M | $9.3M | ||
| Q1 25 | $12.9M | $10.2M | ||
| Q4 24 | $12.1M | $9.3M | ||
| Q3 24 | $11.1M | $9.1M | ||
| Q2 24 | $10.9M | $9.1M |
净利润ATLOBANC
| Q1 26 | — | $72.0M | ||
| Q4 25 | $6.5M | $77.4M | ||
| Q3 25 | $4.6M | $69.6M | ||
| Q2 25 | $4.5M | $28.4M | ||
| Q1 25 | $3.4M | $53.6M | ||
| Q4 24 | $3.5M | $56.9M | ||
| Q3 24 | $2.2M | $8.8M | ||
| Q2 24 | $2.2M | $30.3M |
营业利润率ATLOBANC
| Q1 26 | — | — | ||
| Q4 25 | 54.3% | — | ||
| Q3 25 | 40.7% | — | ||
| Q2 25 | 41.9% | — | ||
| Q1 25 | 32.8% | — | ||
| Q4 24 | 35.8% | — | ||
| Q3 24 | 23.6% | — | ||
| Q2 24 | 23.6% | — |
净利率ATLOBANC
| Q1 26 | — | 25.1% | ||
| Q4 25 | 42.8% | 812.4% | ||
| Q3 25 | 32.5% | 712.8% | ||
| Q2 25 | 33.5% | 304.9% | ||
| Q1 25 | 26.7% | 525.6% | ||
| Q4 24 | 29.0% | 611.6% | ||
| Q3 24 | 20.0% | 97.0% | ||
| Q2 24 | 20.1% | 334.2% |
每股收益（稀释后）ATLOBANC
| Q1 26 | — | $0.39 | ||
| Q4 25 | — | $0.41 | ||
| Q3 25 | — | $0.38 | ||
| Q2 25 | — | $0.12 | ||
| Q1 25 | — | $0.26 | ||
| Q4 24 | — | $0.29 | ||
| Q3 24 | — | $-0.01 | ||
| Q2 24 | — | $0.12 |
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 | $126.8M | $2.2B |
| 总债务越低越好 | $18.4M | — |
| 股东权益账面价值 | $207.9M | $3.6B |
| 总资产 | $2.1B | $34.7B |
| 负债/权益比越低杠杆越低 | 0.09× | — |
8季度趋势，按日历期对齐
现金及短期投资ATLOBANC
| Q1 26 | — | $2.2B | ||
| Q4 25 | $126.8M | — | ||
| Q3 25 | $108.2M | — | ||
| Q2 25 | $95.2M | — | ||
| Q1 25 | $163.4M | — | ||
| Q4 24 | $101.2M | — | ||
| Q3 24 | $59.0M | — | ||
| Q2 24 | $63.4M | — |
总债务ATLOBANC
| Q1 26 | — | — | ||
| Q4 25 | $18.4M | $2.1B | ||
| Q3 25 | — | $2.0B | ||
| Q2 25 | — | $1.9B | ||
| Q1 25 | — | $1.7B | ||
| Q4 24 | $20.0M | $1.4B | ||
| Q3 24 | — | $1.6B | ||
| Q2 24 | — | $1.4B |
股东权益ATLOBANC
| Q1 26 | — | $3.6B | ||
| Q4 25 | $207.9M | $3.5B | ||
| Q3 25 | $200.6M | $3.5B | ||
| Q2 25 | $193.0M | $3.4B | ||
| Q1 25 | $183.1M | $3.5B | ||
| Q4 24 | $174.7M | $3.5B | ||
| Q3 24 | $183.4M | $3.5B | ||
| Q2 24 | $167.1M | $3.4B |
总资产ATLOBANC
| Q1 26 | — | $34.7B | ||
| Q4 25 | $2.1B | $34.8B | ||
| Q3 25 | $2.1B | $34.0B | ||
| Q2 25 | $2.1B | $34.3B | ||
| Q1 25 | $2.2B | $33.8B | ||
| Q4 24 | $2.1B | $33.5B | ||
| Q3 24 | $2.1B | $33.4B | ||
| Q2 24 | $2.1B | $35.2B |
负债/权益比ATLOBANC
| Q1 26 | — | — | ||
| Q4 25 | 0.09× | 0.58× | ||
| Q3 25 | — | 0.58× | ||
| Q2 25 | — | 0.56× | ||
| Q1 25 | — | 0.47× | ||
| Q4 24 | 0.11× | 0.40× | ||
| Q3 24 | — | 0.46× | ||
| Q2 24 | — | 0.42× |
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 | $7.5M | — |
| 自由现金流经营现金流 - 资本支出 | $7.2M | — |
| 自由现金流率自由现金流/营收 | 47.4% | — |
| 资本支出强度资本支出/营收 | 1.5% | — |
| 现金转化率经营现金流/净利润 | 1.14× | — |
| 过去12个月自由现金流最近4个季度 | $20.7M | — |
8季度趋势，按日历期对齐
经营现金流ATLOBANC
| Q1 26 | — | — | ||
| Q4 25 | $7.5M | $102.1M | ||
| Q3 25 | $2.8M | $75.7M | ||
| Q2 25 | $4.0M | $62.7M | ||
| Q1 25 | $7.1M | $15.1M | ||
| Q4 24 | $5.9M | $79.8M | ||
| Q3 24 | $3.1M | $46.9M | ||
| Q2 24 | $3.9M | $39.1M |
自由现金流ATLOBANC
| Q1 26 | — | — | ||
| Q4 25 | $7.2M | $84.2M | ||
| Q3 25 | $2.6M | $75.5M | ||
| Q2 25 | $3.9M | $61.4M | ||
| Q1 25 | $6.9M | $13.6M | ||
| Q4 24 | $5.9M | $75.7M | ||
| Q3 24 | $3.0M | $44.6M | ||
| Q2 24 | $3.8M | $34.4M |
自由现金流率ATLOBANC
| Q1 26 | — | — | ||
| Q4 25 | 47.4% | 884.2% | ||
| Q3 25 | 18.9% | 772.9% | ||
| Q2 25 | 28.9% | 660.1% | ||
| Q1 25 | 53.6% | 133.4% | ||
| Q4 24 | 48.5% | 813.0% | ||
| Q3 24 | 27.4% | 492.2% | ||
| Q2 24 | 34.9% | 379.1% |
资本支出强度ATLOBANC
| Q1 26 | — | — | ||
| Q4 25 | 1.5% | 187.4% | ||
| Q3 25 | 0.7% | 1.9% | ||
| Q2 25 | 0.9% | 13.6% | ||
| Q1 25 | 1.5% | 15.0% | ||
| Q4 24 | 0.6% | 44.4% | ||
| Q3 24 | 0.6% | 25.1% | ||
| Q2 24 | 0.9% | 51.8% |
现金转化率ATLOBANC
| Q1 26 | — | — | ||
| Q4 25 | 1.14× | 1.32× | ||
| Q3 25 | 0.60× | 1.09× | ||
| Q2 25 | 0.89× | 2.21× | ||
| Q1 25 | 2.07× | 0.28× | ||
| Q4 24 | 1.69× | 1.40× | ||
| Q3 24 | 1.40× | 5.34× | ||
| Q2 24 | 1.78× | 1.29× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
