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AMES NATIONAL CORP（ATLO）与California BanCorp \ CA（BCAL）财务数据对比。点击上方公司名可切换其他公司
California BanCorp \ CA的季度营收约是AMES NATIONAL CORP的2.8倍（$42.9M vs $15.2M）。AMES NATIONAL CORP净利率更高（42.8% vs 38.3%，领先4.5%）。AMES NATIONAL CORP同比增速更快（25.7% vs -3.7%）。California BanCorp \ CA自由现金流更多（$20.8M vs $7.2M）。过去两年California BanCorp \ CA的营收复合增速更高（44.7% 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。
太平洋第一控股是依据美国1956年银行控股公司法案成立的美国银行控股集团，总部位于加利福尼亚州欧文市。集团核心业务围绕旗下太平洋第一银行展开，为个人、企业及专业人士提供各类金融服务，目前在加州、亚利桑那州、内华达州和华盛顿州开设了多家网点。
ATLO vs BCAL — 直观对比
营收规模更大
BCAL
是对方的2.8倍
$15.2M
营收增速更快
ATLO
高出29.3%
-3.7%
净利率更高
ATLO
高出4.5%
38.3%
自由现金流更多
BCAL
多$13.6M
$7.2M
两年增速更快
BCAL
近两年复合增速
18.2%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $15.2M | $42.9M |
| 净利润 | $6.5M | $16.4M |
| 毛利率 | — | — |
| 营业利润率 | 54.3% | 52.2% |
| 净利率 | 42.8% | 38.3% |
| 营收同比 | 25.7% | -3.7% |
| 净利润同比 | 85.4% | -2.1% |
| 每股收益（稀释后） | — | $0.50 |
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ATLOBCAL
| Q4 25 | $15.2M | $42.9M | ||
| Q3 25 | $14.0M | $42.5M | ||
| Q2 25 | $13.5M | $41.4M | ||
| Q1 25 | $12.9M | $42.3M | ||
| Q4 24 | $12.1M | $44.5M | ||
| Q3 24 | $11.1M | $36.9M | ||
| Q2 24 | $10.9M | $21.0M | ||
| Q1 24 | $10.9M | $20.5M |
净利润ATLOBCAL
| Q4 25 | $6.5M | $16.4M | ||
| Q3 25 | $4.6M | $15.7M | ||
| Q2 25 | $4.5M | $14.1M | ||
| Q1 25 | $3.4M | $16.9M | ||
| Q4 24 | $3.5M | $16.8M | ||
| Q3 24 | $2.2M | $-16.5M | ||
| Q2 24 | $2.2M | $190.0K | ||
| Q1 24 | $2.3M | $4.9M |
营业利润率ATLOBCAL
| Q4 25 | 54.3% | 52.2% | ||
| Q3 25 | 40.7% | 51.3% | ||
| Q2 25 | 41.9% | 48.5% | ||
| Q1 25 | 32.8% | 56.0% | ||
| Q4 24 | 35.8% | 52.2% | ||
| Q3 24 | 23.6% | -61.0% | ||
| Q2 24 | 23.6% | 1.3% | ||
| Q1 24 | 24.9% | 35.4% |
净利率ATLOBCAL
| Q4 25 | 42.8% | 38.3% | ||
| Q3 25 | 32.5% | 36.9% | ||
| Q2 25 | 33.5% | 34.0% | ||
| Q1 25 | 26.7% | 39.9% | ||
| Q4 24 | 29.0% | 37.7% | ||
| Q3 24 | 20.0% | -44.6% | ||
| Q2 24 | 20.1% | 0.9% | ||
| Q1 24 | 21.1% | 24.1% |
每股收益（稀释后）ATLOBCAL
| Q4 25 | — | $0.50 | ||
| Q3 25 | — | $0.48 | ||
| Q2 25 | — | $0.43 | ||
| Q1 25 | — | $0.52 | ||
| Q4 24 | — | $0.54 | ||
| Q3 24 | — | $-0.59 | ||
| Q2 24 | — | $0.01 | ||
| Q1 24 | — | $0.26 |
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 | $399.9M |
| 总债务越低越好 | $18.4M | $33.8M |
| 股东权益账面价值 | $207.9M | $576.6M |
| 总资产 | $2.1B | $4.0B |
| 负债/权益比越低杠杆越低 | 0.09× | 0.06× |
8季度趋势，按日历期对齐
现金及短期投资ATLOBCAL
| Q4 25 | $126.8M | $399.9M | ||
| Q3 25 | $108.2M | $559.2M | ||
| Q2 25 | $95.2M | $430.1M | ||
| Q1 25 | $163.4M | $439.2M | ||
| Q4 24 | $101.2M | $388.2M | ||
| Q3 24 | $59.0M | $614.4M | ||
| Q2 24 | $63.4M | $104.7M | ||
| Q1 24 | $111.4M | $86.5M |
总债务ATLOBCAL
| Q4 25 | $18.4M | $33.8M | ||
| Q3 25 | — | $33.4M | ||
| Q2 25 | — | $52.9M | ||
| Q1 25 | — | $70.3M | ||
| Q4 24 | $20.0M | $69.7M | ||
| Q3 24 | — | $69.1M | ||
| Q2 24 | — | $42.9M | ||
| Q1 24 | — | $44.9M |
股东权益ATLOBCAL
| Q4 25 | $207.9M | $576.6M | ||
| Q3 25 | $200.6M | $564.7M | ||
| Q2 25 | $193.0M | $547.6M | ||
| Q1 25 | $183.1M | $531.4M | ||
| Q4 24 | $174.7M | $511.8M | ||
| Q3 24 | $183.4M | $498.1M | ||
| Q2 24 | $167.1M | $293.2M | ||
| Q1 24 | $165.5M | $292.5M |
总资产ATLOBCAL
| Q4 25 | $2.1B | $4.0B | ||
| Q3 25 | $2.1B | $4.1B | ||
| Q2 25 | $2.1B | $4.0B | ||
| Q1 25 | $2.2B | $4.0B | ||
| Q4 24 | $2.1B | $4.0B | ||
| Q3 24 | $2.1B | $4.4B | ||
| Q2 24 | $2.1B | $2.3B | ||
| Q1 24 | $2.2B | $2.3B |
负债/权益比ATLOBCAL
| Q4 25 | 0.09× | 0.06× | ||
| Q3 25 | — | 0.06× | ||
| Q2 25 | — | 0.10× | ||
| Q1 25 | — | 0.13× | ||
| Q4 24 | 0.11× | 0.14× | ||
| Q3 24 | — | 0.14× | ||
| Q2 24 | — | 0.15× | ||
| Q1 24 | — | 0.15× |
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 | $20.9M |
| 自由现金流经营现金流 - 资本支出 | $7.2M | $20.8M |
| 自由现金流率自由现金流/营收 | 47.4% | 48.5% |
| 资本支出强度资本支出/营收 | 1.5% | 0.2% |
| 现金转化率经营现金流/净利润 | 1.14× | 1.27× |
| 过去12个月自由现金流最近4个季度 | $20.7M | $56.9M |
8季度趋势，按日历期对齐
经营现金流ATLOBCAL
| Q4 25 | $7.5M | $20.9M | ||
| Q3 25 | $2.8M | $16.0M | ||
| Q2 25 | $4.0M | $13.4M | ||
| Q1 25 | $7.1M | $7.0M | ||
| Q4 24 | $5.9M | $23.6M | ||
| Q3 24 | $3.1M | $18.3M | ||
| Q2 24 | $3.9M | $309.0K | ||
| Q1 24 | $1.4M | $8.1M |
自由现金流ATLOBCAL
| Q4 25 | $7.2M | $20.8M | ||
| Q3 25 | $2.6M | $15.9M | ||
| Q2 25 | $3.9M | $13.4M | ||
| Q1 25 | $6.9M | $6.9M | ||
| Q4 24 | $5.9M | $23.5M | ||
| Q3 24 | $3.0M | $18.1M | ||
| Q2 24 | $3.8M | $171.0K | ||
| Q1 24 | $1.3M | $8.0M |
自由现金流率ATLOBCAL
| Q4 25 | 47.4% | 48.5% | ||
| Q3 25 | 18.9% | 37.3% | ||
| Q2 25 | 28.9% | 32.3% | ||
| Q1 25 | 53.6% | 16.3% | ||
| Q4 24 | 48.5% | 52.7% | ||
| Q3 24 | 27.4% | 49.0% | ||
| Q2 24 | 34.9% | 0.8% | ||
| Q1 24 | 12.0% | 38.9% |
资本支出强度ATLOBCAL
| Q4 25 | 1.5% | 0.2% | ||
| Q3 25 | 0.7% | 0.3% | ||
| Q2 25 | 0.9% | 0.1% | ||
| Q1 25 | 1.5% | 0.2% | ||
| Q4 24 | 0.6% | 0.3% | ||
| Q3 24 | 0.6% | 0.5% | ||
| Q2 24 | 0.9% | 0.7% | ||
| Q1 24 | 0.6% | 0.4% |
现金转化率ATLOBCAL
| Q4 25 | 1.14× | 1.27× | ||
| Q3 25 | 0.60× | 1.02× | ||
| Q2 25 | 0.89× | 0.95× | ||
| Q1 25 | 2.07× | 0.41× | ||
| Q4 24 | 1.69× | 1.41× | ||
| Q3 24 | 1.40× | — | ||
| Q2 24 | 1.78× | 1.63× | ||
| Q1 24 | 0.59× | 1.63× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
