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AMES NATIONAL CORP（ATLO）与FIDELITY D & D BANCORP INC（FDBC）财务数据对比。点击上方公司名可切换其他公司
FIDELITY D & D BANCORP INC的季度营收约是AMES NATIONAL CORP的1.3倍（$24.4M vs $18.7M），AMES NATIONAL CORP净利率更高（34.9% vs 32.5%，领先2.3%），AMES NATIONAL CORP同比增速更快（26.7% vs 15.0%），FIDELITY D & D BANCORP INC自由现金流更多（$24.8M vs $20.7M），过去两年AMES NATIONAL CORP的营收复合增速更高（19.5% vs 11.8%）
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。
Fidelity D & D Bancorp Inc是一家总部位于美国的地区性银行控股公司，主要在宾夕法尼亚州东北部开展业务，为个人消费者、小微企业及当地社区客户提供存款账户、消费及商业贷款、抵押贷款、财富管理等综合零售及商业银行服务。
ATLO vs FDBC — 直观对比
营收规模更大
FDBC
是对方的1.3倍
$18.7M
营收增速更快
ATLO
高出11.7%
15.0%
净利率更高
ATLO
高出2.3%
32.5%
自由现金流更多
FDBC
多$4.1M
$20.7M
两年增速更快
ATLO
近两年复合增速
11.8%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $18.7M | $24.4M |
| 净利润 | $6.5M | $7.9M |
| 毛利率 | — | — |
| 营业利润率 | 44.3% | 37.7% |
| 净利率 | 34.9% | 32.5% |
| 营收同比 | 26.7% | 15.0% |
| 净利润同比 | 85.4% | 36.1% |
| 每股收益（稀释后） | — | $1.29 |
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ATLOFDBC
| Q4 25 | $18.7M | $24.4M | ||
| Q3 25 | $16.6M | $23.5M | ||
| Q2 25 | $16.1M | $23.3M | ||
| Q1 25 | $15.5M | $22.0M | ||
| Q4 24 | $14.7M | $21.2M | ||
| Q3 24 | $13.5M | $20.4M | ||
| Q2 24 | $13.5M | $19.7M | ||
| Q1 24 | $13.1M | $19.5M |
净利润ATLOFDBC
| Q4 25 | $6.5M | $7.9M | ||
| Q3 25 | $4.6M | $7.3M | ||
| Q2 25 | $4.5M | $6.9M | ||
| Q1 25 | $3.4M | $6.0M | ||
| Q4 24 | $3.5M | $5.8M | ||
| Q3 24 | $2.2M | $5.0M | ||
| Q2 24 | $2.2M | $4.9M | ||
| Q1 24 | $2.3M | $5.1M |
营业利润率ATLOFDBC
| Q4 25 | 44.3% | 37.7% | ||
| Q3 25 | 34.5% | 36.5% | ||
| Q2 25 | 35.0% | 35.5% | ||
| Q1 25 | 27.4% | 32.2% | ||
| Q4 24 | 29.4% | 31.4% | ||
| Q3 24 | 19.4% | 28.2% | ||
| Q2 24 | 19.0% | 28.9% | ||
| Q1 24 | 20.8% | 29.5% |
净利率ATLOFDBC
| Q4 25 | 34.9% | 32.5% | ||
| Q3 25 | 27.5% | 31.2% | ||
| Q2 25 | 28.0% | 29.7% | ||
| Q1 25 | 22.3% | 27.2% | ||
| Q4 24 | 23.8% | 27.5% | ||
| Q3 24 | 16.4% | 24.3% | ||
| Q2 24 | 16.2% | 25.0% | ||
| Q1 24 | 17.6% | 25.9% |
每股收益（稀释后）ATLOFDBC
| Q4 25 | — | $1.29 | ||
| Q3 25 | — | $1.27 | ||
| Q2 25 | — | $1.27 | ||
| Q1 25 | — | $1.03 | ||
| Q4 24 | — | $1.00 | ||
| Q3 24 | — | $0.86 | ||
| Q2 24 | — | $0.86 | ||
| Q1 24 | — | $0.88 |
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 | $148.1M |
| 总债务越低越好 | $18.4M | — |
| 股东权益账面价值 | $207.9M | $238.9M |
| 总资产 | $2.1B | $2.7B |
| 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ATLOFDBC
| Q4 25 | $126.8M | $148.1M | ||
| Q3 25 | $108.2M | $142.2M | ||
| Q2 25 | $95.2M | $165.5M | ||
| Q1 25 | $163.4M | $211.2M | ||
| Q4 24 | $101.2M | $83.4M | ||
| Q3 24 | $59.0M | $120.2M | ||
| Q2 24 | $63.4M | $78.1M | ||
| Q1 24 | $111.4M | $72.7M |
总债务ATLOFDBC
| Q4 25 | $18.4M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $20.0M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益ATLOFDBC
| Q4 25 | $207.9M | $238.9M | ||
| Q3 25 | $200.6M | $229.2M | ||
| Q2 25 | $193.0M | $217.9M | ||
| Q1 25 | $183.1M | $211.7M | ||
| Q4 24 | $174.7M | $204.0M | ||
| Q3 24 | $183.4M | $207.3M | ||
| Q2 24 | $167.1M | $195.7M | ||
| Q1 24 | $165.5M | $191.6M |
总资产ATLOFDBC
| Q4 25 | $2.1B | $2.7B | ||
| Q3 25 | $2.1B | $2.7B | ||
| Q2 25 | $2.1B | $2.7B | ||
| Q1 25 | $2.2B | $2.7B | ||
| Q4 24 | $2.1B | $2.6B | ||
| Q3 24 | $2.1B | $2.6B | ||
| Q2 24 | $2.1B | $2.5B | ||
| Q1 24 | $2.2B | $2.5B |
负债/权益比ATLOFDBC
| 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 | $21.3M | $42.4M |
| 自由现金流经营现金流 - 资本支出 | $20.7M | $24.8M |
| 自由现金流率自由现金流/营收 | 110.8% | 101.7% |
| 资本支出强度资本支出/营收 | 3.4% | 71.9% |
| 现金转化率经营现金流/净利润 | 3.28× | 5.34× |
| 过去12个月自由现金流最近4个季度 | $34.2M | $45.4M |
8季度趋势，按日历期对齐
经营现金流ATLOFDBC
| Q4 25 | $21.3M | $42.4M | ||
| Q3 25 | $2.8M | $8.4M | ||
| Q2 25 | $4.0M | $12.6M | ||
| Q1 25 | $7.1M | $11.7M | ||
| Q4 24 | $14.3M | $29.6M | ||
| Q3 24 | $3.1M | $9.1M | ||
| Q2 24 | $3.9M | $8.7M | ||
| Q1 24 | $1.4M | $5.3M |
自由现金流ATLOFDBC
| Q4 25 | $20.7M | $24.8M | ||
| Q3 25 | $2.6M | $2.2M | ||
| Q2 25 | $3.9M | $6.9M | ||
| Q1 25 | $6.9M | $11.5M | ||
| Q4 24 | $14.0M | $24.9M | ||
| Q3 24 | $3.0M | $7.8M | ||
| Q2 24 | $3.8M | $7.2M | ||
| Q1 24 | $1.3M | $4.0M |
自由现金流率ATLOFDBC
| Q4 25 | 110.8% | 101.7% | ||
| Q3 25 | 16.0% | 9.3% | ||
| Q2 25 | 24.2% | 29.6% | ||
| Q1 25 | 44.8% | 52.3% | ||
| Q4 24 | 94.9% | 117.3% | ||
| Q3 24 | 22.5% | 38.1% | ||
| Q2 24 | 28.1% | 36.6% | ||
| Q1 24 | 10.0% | 20.7% |
资本支出强度ATLOFDBC
| Q4 25 | 3.4% | 71.9% | ||
| Q3 25 | 0.6% | 26.5% | ||
| Q2 25 | 0.7% | 24.4% | ||
| Q1 25 | 1.3% | 0.8% | ||
| Q4 24 | 2.0% | 22.0% | ||
| Q3 24 | 0.5% | 6.3% | ||
| Q2 24 | 0.7% | 7.5% | ||
| Q1 24 | 0.5% | 6.7% |
现金转化率ATLOFDBC
| Q4 25 | 3.28× | 5.34× | ||
| Q3 25 | 0.60× | 1.15× | ||
| Q2 25 | 0.89× | 1.82× | ||
| Q1 25 | 2.07× | 1.95× | ||
| Q4 24 | 4.07× | 5.07× | ||
| Q3 24 | 1.40× | 1.83× | ||
| Q2 24 | 1.78× | 1.76× | ||
| Q1 24 | 0.59× | 1.05× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
