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AMES NATIONAL CORP（ATLO）与美国合众银行（USB）财务数据对比。点击上方公司名可切换其他公司
美国合众银行的季度营收约是AMES NATIONAL CORP的483.5倍（$7.4B vs $15.2M）。AMES NATIONAL CORP净利率更高（42.8% vs 27.8%，领先15.0%）。AMES NATIONAL CORP同比增速更快（25.7% vs 5.1%）。过去两年AMES NATIONAL CORP的营收复合增速更高（18.2% vs 4.7%）
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。
美国合众银行是美国跨国银行机构，总部位于明尼苏达州明尼阿波利斯，在特拉华州注册成立。截至2025年为美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为系统重要性机构，旗下核心运营主体提供银行、投资、按揭等多元金融服务。
ATLO vs USB — 直观对比
营收规模更大
USB
是对方的483.5倍
$15.2M
营收增速更快
ATLO
高出20.6%
5.1%
净利率更高
ATLO
高出15.0%
27.8%
两年增速更快
ATLO
近两年复合增速
4.7%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $15.2M | $7.4B |
| 净利润 | $6.5M | $2.0B |
| 毛利率 | — | — |
| 营业利润率 | 54.3% | 34.4% |
| 净利率 | 42.8% | 27.8% |
| 营收同比 | 25.7% | 5.1% |
| 净利润同比 | 85.4% | 23.0% |
| 每股收益（稀释后） | — | $1.26 |
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ATLOUSB
| Q4 25 | $15.2M | $7.4B | ||
| Q3 25 | $14.0M | $7.3B | ||
| Q2 25 | $13.5M | $7.0B | ||
| Q1 25 | $12.9M | $7.0B | ||
| Q4 24 | $12.1M | $7.0B | ||
| Q3 24 | $11.1M | $6.9B | ||
| Q2 24 | $10.9M | $6.9B | ||
| Q1 24 | $10.9M | $6.7B |
净利润ATLOUSB
| Q4 25 | $6.5M | $2.0B | ||
| Q3 25 | $4.6M | $2.0B | ||
| Q2 25 | $4.5M | $1.8B | ||
| Q1 25 | $3.4M | $1.7B | ||
| Q4 24 | $3.5M | $1.7B | ||
| Q3 24 | $2.2M | $1.7B | ||
| Q2 24 | $2.2M | $1.6B | ||
| Q1 24 | $2.3M | $1.3B |
营业利润率ATLOUSB
| Q4 25 | 54.3% | 34.4% | ||
| Q3 25 | 40.7% | 34.5% | ||
| Q2 25 | 41.9% | 32.7% | ||
| Q1 25 | 32.8% | 31.0% | ||
| Q4 24 | 35.8% | 30.1% | ||
| Q3 24 | 23.6% | 30.2% | ||
| Q2 24 | 23.6% | 29.9% | ||
| Q1 24 | 24.9% | 24.9% |
净利率ATLOUSB
| Q4 25 | 42.8% | 27.8% | ||
| Q3 25 | 32.5% | 27.3% | ||
| Q2 25 | 33.5% | 25.9% | ||
| Q1 25 | 26.7% | 24.6% | ||
| Q4 24 | 29.0% | 23.7% | ||
| Q3 24 | 20.0% | 25.0% | ||
| Q2 24 | 20.1% | 23.3% | ||
| Q1 24 | 21.1% | 19.6% |
每股收益（稀释后）ATLOUSB
| Q4 25 | — | $1.26 | ||
| Q3 25 | — | $1.22 | ||
| Q2 25 | — | $1.11 | ||
| Q1 25 | — | $1.03 | ||
| Q4 24 | — | $1.01 | ||
| Q3 24 | — | $1.03 | ||
| Q2 24 | — | $0.97 | ||
| Q1 24 | — | $0.78 |
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 | $65.2B |
| 总资产 | $2.1B | $692.3B |
| 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ATLOUSB
| 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ATLOUSB
| Q4 25 | $18.4M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $20.0M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益ATLOUSB
| Q4 25 | $207.9M | $65.2B | ||
| Q3 25 | $200.6M | $63.3B | ||
| Q2 25 | $193.0M | $61.4B | ||
| Q1 25 | $183.1M | $60.1B | ||
| Q4 24 | $174.7M | $58.6B | ||
| Q3 24 | $183.4M | $58.9B | ||
| Q2 24 | $167.1M | $56.4B | ||
| Q1 24 | $165.5M | $55.6B |
总资产ATLOUSB
| Q4 25 | $2.1B | $692.3B | ||
| Q3 25 | $2.1B | $695.4B | ||
| Q2 25 | $2.1B | $686.4B | ||
| Q1 25 | $2.2B | $676.5B | ||
| Q4 24 | $2.1B | $678.3B | ||
| Q3 24 | $2.1B | $686.5B | ||
| Q2 24 | $2.1B | $680.1B | ||
| Q1 24 | $2.2B | $683.6B |
负债/权益比ATLOUSB
| 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 | $2.8B |
| 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× | 1.39× |
| 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ATLOUSB
| Q4 25 | $7.5M | $2.8B | ||
| Q3 25 | $2.8M | $3.4B | ||
| Q2 25 | $4.0M | $2.0B | ||
| Q1 25 | $7.1M | $-285.0M | ||
| Q4 24 | $5.9M | $4.8B | ||
| Q3 24 | $3.1M | $972.0M | ||
| Q2 24 | $3.9M | $2.9B | ||
| Q1 24 | $1.4M | $2.7B |
自由现金流ATLOUSB
| 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ATLOUSB
| 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ATLOUSB
| 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ATLOUSB
| Q4 25 | 1.14× | 1.39× | ||
| Q3 25 | 0.60× | 1.69× | ||
| Q2 25 | 0.89× | 1.12× | ||
| Q1 25 | 2.07× | -0.17× | ||
| Q4 24 | 1.69× | 2.87× | ||
| Q3 24 | 1.40× | 0.57× | ||
| Q2 24 | 1.78× | 1.79× | ||
| Q1 24 | 0.59× | 2.02× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
