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AMES NATIONAL CORP（ATLO）与BANCFIRST CORP（BANF）财务数据对比。点击上方公司名可切换其他公司
BANCFIRST CORP的季度营收约是AMES NATIONAL CORP的8.4倍（$127.7M vs $15.2M）。BANCFIRST CORP净利率更高（46.6% vs 42.8%，领先3.8%）。AMES NATIONAL CORP同比增速更快（25.7% vs 10.1%）。BANCFIRST CORP自由现金流更多（$43.2M vs $7.2M）。过去两年AMES NATIONAL CORP的营收复合增速更高（18.2% vs 9.7%）
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。
BancFirst Corporation是总部位于美国俄克拉荷马州的金融服务控股公司，旗下共运营三家附属银行：俄克拉荷马州特许银行BancFirst，以及得克萨斯州特许的Pegasus银行和沃辛顿银行，为两地市场提供多元金融服务。
ATLO vs BANF — 直观对比
营收规模更大
BANF
是对方的8.4倍
$15.2M
营收增速更快
ATLO
高出15.5%
10.1%
净利率更高
BANF
高出3.8%
42.8%
自由现金流更多
BANF
多$36.0M
$7.2M
两年增速更快
ATLO
近两年复合增速
9.7%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $15.2M | $127.7M |
| 净利润 | $6.5M | $59.5M |
| 毛利率 | — | — |
| 营业利润率 | 54.3% | 59.0% |
| 净利率 | 42.8% | 46.6% |
| 营收同比 | 25.7% | 10.1% |
| 净利润同比 | 85.4% | 5.3% |
| 每股收益（稀释后） | — | $1.75 |
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ATLOBANF
| Q4 25 | $15.2M | $127.7M | ||
| Q3 25 | $14.0M | $125.6M | ||
| Q2 25 | $13.5M | $121.3M | ||
| Q1 25 | $12.9M | $115.9M | ||
| Q4 24 | $12.1M | $115.9M | ||
| Q3 24 | $11.1M | $115.0M | ||
| Q2 24 | $10.9M | $109.9M | ||
| Q1 24 | $10.9M | $106.1M |
净利润ATLOBANF
| Q4 25 | $6.5M | $59.5M | ||
| Q3 25 | $4.6M | $62.7M | ||
| Q2 25 | $4.5M | $62.3M | ||
| Q1 25 | $3.4M | $56.1M | ||
| Q4 24 | $3.5M | $56.5M | ||
| Q3 24 | $2.2M | $58.9M | ||
| Q2 24 | $2.2M | $50.6M | ||
| Q1 24 | $2.3M | $50.3M |
营业利润率ATLOBANF
| Q4 25 | 54.3% | 59.0% | ||
| Q3 25 | 40.7% | 62.9% | ||
| Q2 25 | 41.9% | 65.7% | ||
| Q1 25 | 32.8% | 61.3% | ||
| Q4 24 | 35.8% | 62.1% | ||
| Q3 24 | 23.6% | 64.3% | ||
| Q2 24 | 23.6% | 59.3% | ||
| Q1 24 | 24.9% | 60.5% |
净利率ATLOBANF
| Q4 25 | 42.8% | 46.6% | ||
| Q3 25 | 32.5% | 49.9% | ||
| Q2 25 | 33.5% | 51.4% | ||
| Q1 25 | 26.7% | 48.4% | ||
| Q4 24 | 29.0% | 48.7% | ||
| Q3 24 | 20.0% | 51.2% | ||
| Q2 24 | 20.1% | 46.1% | ||
| Q1 24 | 21.1% | 47.4% |
每股收益（稀释后）ATLOBANF
| Q4 25 | — | $1.75 | ||
| Q3 25 | — | $1.85 | ||
| Q2 25 | — | $1.85 | ||
| Q1 25 | — | $1.66 | ||
| Q4 24 | — | $1.68 | ||
| Q3 24 | — | $1.75 | ||
| Q2 24 | — | $1.51 | ||
| Q1 24 | — | $1.50 |
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 | — |
| 总债务越低越好 | $18.4M | — |
| 股东权益账面价值 | $207.9M | $1.9B |
| 总资产 | $2.1B | $14.8B |
| 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ATLOBANF
| 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 | — | ||
| Q1 24 | $111.4M | — |
总债务ATLOBANF
| Q4 25 | $18.4M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $20.0M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益ATLOBANF
| Q4 25 | $207.9M | $1.9B | ||
| Q3 25 | $200.6M | $1.8B | ||
| Q2 25 | $193.0M | $1.7B | ||
| Q1 25 | $183.1M | $1.7B | ||
| Q4 24 | $174.7M | $1.6B | ||
| Q3 24 | $183.4M | $1.6B | ||
| Q2 24 | $167.1M | $1.5B | ||
| Q1 24 | $165.5M | $1.5B |
总资产ATLOBANF
| Q4 25 | $2.1B | $14.8B | ||
| Q3 25 | $2.1B | $14.2B | ||
| Q2 25 | $2.1B | $14.0B | ||
| Q1 25 | $2.2B | $14.0B | ||
| Q4 24 | $2.1B | $13.6B | ||
| Q3 24 | $2.1B | $13.3B | ||
| Q2 24 | $2.1B | $12.7B | ||
| Q1 24 | $2.2B | $12.6B |
负债/权益比ATLOBANF
| Q4 25 | 0.09× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.11× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $54.8M |
| 自由现金流经营现金流 - 资本支出 | $7.2M | $43.2M |
| 自由现金流率自由现金流/营收 | 47.4% | 33.9% |
| 资本支出强度资本支出/营收 | 1.5% | 9.0% |
| 现金转化率经营现金流/净利润 | 1.14× | 0.92× |
| 过去12个月自由现金流最近4个季度 | $20.7M | $237.0M |
8季度趋势，按日历期对齐
经营现金流ATLOBANF
| Q4 25 | $7.5M | $54.8M | ||
| Q3 25 | $2.8M | $75.4M | ||
| Q2 25 | $4.0M | $78.1M | ||
| Q1 25 | $7.1M | $77.0M | ||
| Q4 24 | $5.9M | $17.1M | ||
| Q3 24 | $3.1M | $77.6M | ||
| Q2 24 | $3.9M | $100.2M | ||
| Q1 24 | $1.4M | $66.3M |
自由现金流ATLOBANF
| Q4 25 | $7.2M | $43.2M | ||
| Q3 25 | $2.6M | $63.7M | ||
| Q2 25 | $3.9M | $64.4M | ||
| Q1 25 | $6.9M | $65.6M | ||
| Q4 24 | $5.9M | $2.0M | ||
| Q3 24 | $3.0M | $72.4M | ||
| Q2 24 | $3.8M | $94.1M | ||
| Q1 24 | $1.3M | $56.1M |
自由现金流率ATLOBANF
| Q4 25 | 47.4% | 33.9% | ||
| Q3 25 | 18.9% | 50.7% | ||
| Q2 25 | 28.9% | 53.1% | ||
| Q1 25 | 53.6% | 56.6% | ||
| Q4 24 | 48.5% | 1.7% | ||
| Q3 24 | 27.4% | 62.9% | ||
| Q2 24 | 34.9% | 85.7% | ||
| Q1 24 | 12.0% | 52.8% |
资本支出强度ATLOBANF
| Q4 25 | 1.5% | 9.0% | ||
| Q3 25 | 0.7% | 9.3% | ||
| Q2 25 | 0.9% | 11.3% | ||
| Q1 25 | 1.5% | 9.8% | ||
| Q4 24 | 0.6% | 13.1% | ||
| Q3 24 | 0.6% | 4.6% | ||
| Q2 24 | 0.9% | 5.5% | ||
| Q1 24 | 0.6% | 9.7% |
现金转化率ATLOBANF
| Q4 25 | 1.14× | 0.92× | ||
| Q3 25 | 0.60× | 1.20× | ||
| Q2 25 | 0.89× | 1.25× | ||
| Q1 25 | 2.07× | 1.37× | ||
| Q4 24 | 1.69× | 0.30× | ||
| Q3 24 | 1.40× | 1.32× | ||
| Q2 24 | 1.78× | 1.98× | ||
| Q1 24 | 0.59× | 1.32× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
