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AMES NATIONAL CORP（ATLO）与First Bancorp, Inc（FNLC）财务数据对比。点击上方公司名可切换其他公司
First Bancorp, Inc的季度营收约是AMES NATIONAL CORP的1.4倍（$25.8M vs $18.7M），First Bancorp, Inc净利率更高（39.4% vs 34.9%，领先4.5%），AMES NATIONAL CORP同比增速更快（26.7% vs 17.5%），First Bancorp, Inc自由现金流更多（$34.6M vs $20.7M），过去两年AMES NATIONAL CORP的营收复合增速更高（19.5% vs 18.1%）
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。
第一银行公司（First Bancorp, Inc）是一家银行控股公司，其核心业务通过总部位于康涅狄格州斯坦福的爱国者国家银行（Patriot Bank NA）开展，相关 banking 业务也以PNBK代码在纳斯达克挂牌交易。
ATLO vs FNLC — 直观对比
营收规模更大
FNLC
是对方的1.4倍
$18.7M
营收增速更快
ATLO
高出9.1%
17.5%
净利率更高
FNLC
高出4.5%
34.9%
自由现金流更多
FNLC
多$13.9M
$20.7M
两年增速更快
ATLO
近两年复合增速
18.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $18.7M | $25.8M |
| 净利润 | $6.5M | $10.2M |
| 毛利率 | — | — |
| 营业利润率 | 44.3% | 48.1% |
| 净利率 | 34.9% | 39.4% |
| 营收同比 | 26.7% | 17.5% |
| 净利润同比 | 85.4% | 39.7% |
| 每股收益（稀释后） | — | $0.91 |
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ATLOFNLC
| Q4 25 | $18.7M | $25.8M | ||
| Q3 25 | $16.6M | $24.5M | ||
| Q2 25 | $16.1M | $22.5M | ||
| Q1 25 | $15.5M | $21.8M | ||
| Q4 24 | $14.7M | $22.0M | ||
| Q3 24 | $13.5M | $20.5M | ||
| Q2 24 | $13.5M | $19.2M | ||
| Q1 24 | $13.1M | $18.5M |
净利润ATLOFNLC
| Q4 25 | $6.5M | $10.2M | ||
| Q3 25 | $4.6M | $9.1M | ||
| Q2 25 | $4.5M | $8.1M | ||
| Q1 25 | $3.4M | $7.1M | ||
| Q4 24 | $3.5M | $7.3M | ||
| Q3 24 | $2.2M | $7.6M | ||
| Q2 24 | $2.2M | $6.2M | ||
| Q1 24 | $2.3M | $6.0M |
营业利润率ATLOFNLC
| Q4 25 | 44.3% | 48.1% | ||
| Q3 25 | 34.5% | 45.2% | ||
| Q2 25 | 35.0% | 43.7% | ||
| Q1 25 | 27.4% | 39.3% | ||
| Q4 24 | 29.4% | 39.5% | ||
| Q3 24 | 19.4% | 44.6% | ||
| Q2 24 | 19.0% | 38.8% | ||
| Q1 24 | 20.8% | 39.3% |
净利率ATLOFNLC
| Q4 25 | 34.9% | 39.4% | ||
| Q3 25 | 27.5% | 37.0% | ||
| Q2 25 | 28.0% | 35.8% | ||
| Q1 25 | 22.3% | 32.5% | ||
| Q4 24 | 23.8% | 33.1% | ||
| Q3 24 | 16.4% | 36.9% | ||
| Q2 24 | 16.2% | 32.1% | ||
| Q1 24 | 17.6% | 32.5% |
每股收益（稀释后）ATLOFNLC
| Q4 25 | — | $0.91 | ||
| Q3 25 | — | $0.81 | ||
| Q2 25 | — | $0.72 | ||
| Q1 25 | — | $0.63 | ||
| Q4 24 | — | $0.66 | ||
| Q3 24 | — | $0.68 | ||
| Q2 24 | — | $0.55 | ||
| Q1 24 | — | $0.54 |
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 | $95.5M |
| 股东权益账面价值 | $207.9M | $283.1M |
| 总资产 | $2.1B | $3.2B |
| 负债/权益比越低杠杆越低 | 0.09× | 0.34× |
8季度趋势，按日历期对齐
现金及短期投资ATLOFNLC
| 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ATLOFNLC
| Q4 25 | $18.4M | $95.5M | ||
| Q3 25 | — | $95.5M | ||
| Q2 25 | — | $95.0M | ||
| Q1 25 | — | $70.0M | ||
| Q4 24 | $20.0M | $95.0M | ||
| Q3 24 | — | $95.0M | ||
| Q2 24 | — | $70.0M | ||
| Q1 24 | — | $70.0M |
股东权益ATLOFNLC
| Q4 25 | $207.9M | $283.1M | ||
| Q3 25 | $200.6M | $274.6M | ||
| Q2 25 | $193.0M | $265.5M | ||
| Q1 25 | $183.1M | $259.7M | ||
| Q4 24 | $174.7M | $252.5M | ||
| Q3 24 | $183.4M | $256.8M | ||
| Q2 24 | $167.1M | $244.7M | ||
| Q1 24 | $165.5M | $242.6M |
总资产ATLOFNLC
| Q4 25 | $2.1B | $3.2B | ||
| Q3 25 | $2.1B | $3.2B | ||
| Q2 25 | $2.1B | $3.2B | ||
| Q1 25 | $2.2B | $3.2B | ||
| Q4 24 | $2.1B | $3.2B | ||
| Q3 24 | $2.1B | $3.1B | ||
| Q2 24 | $2.1B | $3.1B | ||
| Q1 24 | $2.2B | $3.0B |
负债/权益比ATLOFNLC
| Q4 25 | 0.09× | 0.34× | ||
| Q3 25 | — | 0.35× | ||
| Q2 25 | — | 0.36× | ||
| Q1 25 | — | 0.27× | ||
| Q4 24 | 0.11× | 0.38× | ||
| Q3 24 | — | 0.37× | ||
| Q2 24 | — | 0.29× | ||
| Q1 24 | — | 0.29× |
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 | $37.8M |
| 自由现金流经营现金流 - 资本支出 | $20.7M | $34.6M |
| 自由现金流率自由现金流/营收 | 110.8% | 133.9% |
| 资本支出强度资本支出/营收 | 3.4% | 12.5% |
| 现金转化率经营现金流/净利润 | 3.28× | 3.72× |
| 过去12个月自由现金流最近4个季度 | $34.2M | $55.3M |
8季度趋势，按日历期对齐
经营现金流ATLOFNLC
| Q4 25 | $21.3M | $37.8M | ||
| Q3 25 | $2.8M | $12.9M | ||
| Q2 25 | $4.0M | $7.4M | ||
| Q1 25 | $7.1M | $2.2M | ||
| Q4 24 | $14.3M | $26.0M | ||
| Q3 24 | $3.1M | $9.8M | ||
| Q2 24 | $3.9M | $6.4M | ||
| Q1 24 | $1.4M | $-1.5M |
自由现金流ATLOFNLC
| Q4 25 | $20.7M | $34.6M | ||
| Q3 25 | $2.6M | $12.6M | ||
| Q2 25 | $3.9M | $7.2M | ||
| Q1 25 | $6.9M | $828.0K | ||
| Q4 24 | $14.0M | $24.6M | ||
| Q3 24 | $3.0M | $9.6M | ||
| Q2 24 | $3.8M | $6.3M | ||
| Q1 24 | $1.3M | $-1.8M |
自由现金流率ATLOFNLC
| Q4 25 | 110.8% | 133.9% | ||
| Q3 25 | 16.0% | 51.4% | ||
| Q2 25 | 24.2% | 32.1% | ||
| Q1 25 | 44.8% | 3.8% | ||
| Q4 24 | 94.9% | 111.7% | ||
| Q3 24 | 22.5% | 47.0% | ||
| Q2 24 | 28.1% | 32.9% | ||
| Q1 24 | 10.0% | -9.8% |
资本支出强度ATLOFNLC
| Q4 25 | 3.4% | 12.5% | ||
| Q3 25 | 0.6% | 1.2% | ||
| Q2 25 | 0.7% | 0.6% | ||
| Q1 25 | 1.3% | 6.2% | ||
| Q4 24 | 2.0% | 6.7% | ||
| Q3 24 | 0.5% | 0.5% | ||
| Q2 24 | 0.7% | 0.3% | ||
| Q1 24 | 0.5% | 1.8% |
现金转化率ATLOFNLC
| Q4 25 | 3.28× | 3.72× | ||
| Q3 25 | 0.60× | 1.42× | ||
| Q2 25 | 0.89× | 0.91× | ||
| Q1 25 | 2.07× | 0.31× | ||
| Q4 24 | 4.07× | 3.58× | ||
| Q3 24 | 1.40× | 1.29× | ||
| Q2 24 | 1.78× | 1.03× | ||
| Q1 24 | 0.59× | -0.25× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
