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AMES NATIONAL CORP（ATLO）与COMERICA INC（CMA）财务数据对比。点击上方公司名可切换其他公司
COMERICA INC的季度营收约是AMES NATIONAL CORP的12.3倍（$187.0M vs $15.2M）。COMERICA INC净利率更高（94.1% vs 42.8%，领先51.4%）。AMES NATIONAL CORP同比增速更快（25.7% vs -2.1%）。过去两年AMES NATIONAL CORP的营收复合增速更高（18.2% vs -1.3%）
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。
Comerica公司是总部位于美国得克萨斯州达拉斯的金融服务企业，为美国大型金融控股公司之一。旗下Comerica银行为区域性商业银行，在得克萨斯、密歇根、加利福尼亚、佛罗里达、亚利桑那五州共设413家网点，在美国多座城市设有办公场所。
ATLO vs CMA — 直观对比
营收规模更大
CMA
是对方的12.3倍
$15.2M
营收增速更快
ATLO
高出27.8%
-2.1%
净利率更高
CMA
高出51.4%
42.8%
两年增速更快
ATLO
近两年复合增速
-1.3%
损益表 — Q4 2025 vs Q3 2025
| 指标 | | |
|---|---|---|
| 营收 | $15.2M | $187.0M |
| 净利润 | $6.5M | $176.0M |
| 毛利率 | — | — |
| 营业利润率 | 54.3% | — |
| 净利率 | 42.8% | 94.1% |
| 营收同比 | 25.7% | -2.1% |
| 净利润同比 | 85.4% | -4.3% |
| 每股收益（稀释后） | — | $1.35 |
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ATLOCMA
| Q4 25 | $15.2M | — | ||
| Q3 25 | $14.0M | $187.0M | ||
| Q2 25 | $13.5M | $185.0M | ||
| Q1 25 | $12.9M | $183.0M | ||
| Q4 24 | $12.1M | $191.0M | ||
| Q3 24 | $11.1M | $191.0M | ||
| Q2 24 | $10.9M | $203.0M | ||
| Q1 24 | $10.9M | $187.0M |
净利润ATLOCMA
| Q4 25 | $6.5M | — | ||
| Q3 25 | $4.6M | $176.0M | ||
| Q2 25 | $4.5M | $199.0M | ||
| Q1 25 | $3.4M | $172.0M | ||
| Q4 24 | $3.5M | $170.0M | ||
| Q3 24 | $2.2M | $184.0M | ||
| Q2 24 | $2.2M | $206.0M | ||
| Q1 24 | $2.3M | $138.0M |
营业利润率ATLOCMA
| 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% | — | ||
| Q1 24 | 24.9% | — |
净利率ATLOCMA
| Q4 25 | 42.8% | — | ||
| Q3 25 | 32.5% | 94.1% | ||
| Q2 25 | 33.5% | 107.6% | ||
| Q1 25 | 26.7% | 94.0% | ||
| Q4 24 | 29.0% | 89.0% | ||
| Q3 24 | 20.0% | 96.3% | ||
| Q2 24 | 20.1% | 101.5% | ||
| Q1 24 | 21.1% | 73.8% |
每股收益（稀释后）ATLOCMA
| Q4 25 | — | — | ||
| Q3 25 | — | $1.35 | ||
| Q2 25 | — | $1.42 | ||
| Q1 25 | — | $1.25 | ||
| Q4 24 | — | $1.22 | ||
| Q3 24 | — | $1.33 | ||
| Q2 24 | — | $1.49 | ||
| Q1 24 | — | $0.98 |
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 | $5.4B |
| 股东权益账面价值 | $207.9M | $7.4B |
| 总资产 | $2.1B | $77.4B |
| 负债/权益比越低杠杆越低 | 0.09× | 0.73× |
8季度趋势，按日历期对齐
现金及短期投资ATLOCMA
| 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ATLOCMA
| Q4 25 | $18.4M | — | ||
| Q3 25 | — | $5.4B | ||
| Q2 25 | — | $5.8B | ||
| Q1 25 | — | $5.7B | ||
| Q4 24 | $20.0M | $6.7B | ||
| Q3 24 | — | $6.8B | ||
| Q2 24 | — | $7.1B | ||
| Q1 24 | — | $7.1B |
股东权益ATLOCMA
| Q4 25 | $207.9M | — | ||
| Q3 25 | $200.6M | $7.4B | ||
| Q2 25 | $193.0M | $6.9B | ||
| Q1 25 | $183.1M | $7.1B | ||
| Q4 24 | $174.7M | $6.5B | ||
| Q3 24 | $183.4M | $7.4B | ||
| Q2 24 | $167.1M | $6.2B | ||
| Q1 24 | $165.5M | $6.0B |
总资产ATLOCMA
| Q4 25 | $2.1B | — | ||
| Q3 25 | $2.1B | $77.4B | ||
| Q2 25 | $2.1B | $78.0B | ||
| Q1 25 | $2.2B | $77.6B | ||
| Q4 24 | $2.1B | $79.3B | ||
| Q3 24 | $2.1B | $79.7B | ||
| Q2 24 | $2.1B | $79.6B | ||
| Q1 24 | $2.2B | $79.4B |
负债/权益比ATLOCMA
| Q4 25 | 0.09× | — | ||
| Q3 25 | — | 0.73× | ||
| Q2 25 | — | 0.84× | ||
| Q1 25 | — | 0.81× | ||
| Q4 24 | 0.11× | 1.02× | ||
| Q3 24 | — | 0.92× | ||
| Q2 24 | — | 1.15× | ||
| Q1 24 | — | 1.18× |
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 | $-270.0M |
| 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× | -1.53× |
| 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ATLOCMA
| Q4 25 | $7.5M | — | ||
| Q3 25 | $2.8M | $-270.0M | ||
| Q2 25 | $4.0M | $476.0M | ||
| Q1 25 | $7.1M | $273.0M | ||
| Q4 24 | $5.9M | $-354.0M | ||
| Q3 24 | $3.1M | $1.0B | ||
| Q2 24 | $3.9M | $111.0M | ||
| Q1 24 | $1.4M | $-205.0M |
自由现金流ATLOCMA
| Q4 25 | $7.2M | — | ||
| Q3 25 | $2.6M | — | ||
| Q2 25 | $3.9M | — | ||
| Q1 25 | $6.9M | — | ||
| Q4 24 | $5.9M | — | ||
| Q3 24 | $3.0M | — | ||
| Q2 24 | $3.8M | — | ||
| Q1 24 | $1.3M | — |
自由现金流率ATLOCMA
| Q4 25 | 47.4% | — | ||
| Q3 25 | 18.9% | — | ||
| Q2 25 | 28.9% | — | ||
| Q1 25 | 53.6% | — | ||
| Q4 24 | 48.5% | — | ||
| Q3 24 | 27.4% | — | ||
| Q2 24 | 34.9% | — | ||
| Q1 24 | 12.0% | — |
资本支出强度ATLOCMA
| Q4 25 | 1.5% | — | ||
| Q3 25 | 0.7% | — | ||
| Q2 25 | 0.9% | — | ||
| Q1 25 | 1.5% | — | ||
| Q4 24 | 0.6% | — | ||
| Q3 24 | 0.6% | — | ||
| Q2 24 | 0.9% | — | ||
| Q1 24 | 0.6% | — |
现金转化率ATLOCMA
| Q4 25 | 1.14× | — | ||
| Q3 25 | 0.60× | -1.53× | ||
| Q2 25 | 0.89× | 2.39× | ||
| Q1 25 | 2.07× | 1.59× | ||
| Q4 24 | 1.69× | -2.08× | ||
| Q3 24 | 1.40× | 5.70× | ||
| Q2 24 | 1.78× | 0.54× | ||
| Q1 24 | 0.59× | -1.49× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
ATLO
暂无分部数据
CMA
| Business Bank | $93.0M | 50% |
| Credit And Debit Card | $47.0M | 25% |
| Retail Bank | $28.0M | 15% |
| Capital Markets | $9.0M | 5% |
| Other | $6.0M | 3% |
| Commercial Loan | $3.0M | 2% |
| Brokerage Commissions Revenue | $1.0M | 1% |
