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AMES NATIONAL CORP（ATLO）与WEBSTER FINANCIAL CORP（WBS）财务数据对比。点击上方公司名可切换其他公司
WEBSTER FINANCIAL CORP的季度营收约是AMES NATIONAL CORP的3.9倍（$58.7M vs $15.2M）。WEBSTER FINANCIAL CORP净利率更高（435.9% vs 42.8%，领先393.1%）。AMES NATIONAL CORP同比增速更快（25.7% vs -0.2%）。WEBSTER FINANCIAL CORP自由现金流更多（$301.8M vs $7.2M）。过去两年AMES NATIONAL CORP的营收复合增速更高（18.2% vs -4.2%）
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。
韦伯斯特银行是总部位于美国康涅狄格州斯坦福德的商业银行，业务覆盖康涅狄格州、马萨诸塞州、罗德岛州、新泽西州，以及纽约州的威彻斯特、奥兰治、阿尔斯特、罗克兰县和纽约市，共设有177家营业网点和316台自动柜员机。
ATLO vs WBS — 直观对比
营收规模更大
WBS
是对方的3.9倍
$15.2M
营收增速更快
ATLO
高出25.8%
-0.2%
净利率更高
WBS
高出393.1%
42.8%
自由现金流更多
WBS
多$294.6M
$7.2M
两年增速更快
ATLO
近两年复合增速
-4.2%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $15.2M | $58.7M |
| 净利润 | $6.5M | $255.8M |
| 毛利率 | — | — |
| 营业利润率 | 54.3% | — |
| 净利率 | 42.8% | 435.9% |
| 营收同比 | 25.7% | -0.2% |
| 净利润同比 | 85.4% | 43.9% |
| 每股收益（稀释后） | — | $1.54 |
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ATLOWBS
| Q4 25 | $15.2M | $58.7M | ||
| Q3 25 | $14.0M | $59.1M | ||
| Q2 25 | $13.5M | $59.4M | ||
| Q1 25 | $12.9M | $60.8M | ||
| Q4 24 | $12.1M | $58.8M | ||
| Q3 24 | $11.1M | $61.1M | ||
| Q2 24 | $10.9M | $61.8M | ||
| Q1 24 | $10.9M | $64.0M |
净利润ATLOWBS
| Q4 25 | $6.5M | $255.8M | ||
| Q3 25 | $4.6M | $261.2M | ||
| Q2 25 | $4.5M | $258.8M | ||
| Q1 25 | $3.4M | $226.9M | ||
| Q4 24 | $3.5M | $177.8M | ||
| Q3 24 | $2.2M | $193.0M | ||
| Q2 24 | $2.2M | $181.6M | ||
| Q1 24 | $2.3M | $216.3M |
营业利润率ATLOWBS
| 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ATLOWBS
| Q4 25 | 42.8% | 435.9% | ||
| Q3 25 | 32.5% | 442.3% | ||
| Q2 25 | 33.5% | 435.6% | ||
| Q1 25 | 26.7% | 373.4% | ||
| Q4 24 | 29.0% | 302.4% | ||
| Q3 24 | 20.0% | 316.0% | ||
| Q2 24 | 20.1% | 293.7% | ||
| Q1 24 | 21.1% | 338.0% |
每股收益（稀释后）ATLOWBS
| Q4 25 | — | $1.54 | ||
| Q3 25 | — | $1.54 | ||
| Q2 25 | — | $1.52 | ||
| Q1 25 | — | $1.30 | ||
| Q4 24 | — | $1.01 | ||
| Q3 24 | — | $1.10 | ||
| Q2 24 | — | $1.03 | ||
| Q1 24 | — | $1.23 |
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 | $739.5M |
| 股东权益账面价值 | $207.9M | $9.5B |
| 总资产 | $2.1B | $84.1B |
| 负债/权益比越低杠杆越低 | 0.09× | 0.08× |
8季度趋势，按日历期对齐
现金及短期投资ATLOWBS
| 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ATLOWBS
| Q4 25 | $18.4M | $739.5M | ||
| Q3 25 | — | $1.2B | ||
| Q2 25 | — | $905.6M | ||
| Q1 25 | — | $907.4M | ||
| Q4 24 | $20.0M | $909.2M | ||
| Q3 24 | — | $911.0M | ||
| Q2 24 | — | $912.7M | ||
| Q1 24 | — | $914.5M |
股东权益ATLOWBS
| Q4 25 | $207.9M | $9.5B | ||
| Q3 25 | $200.6M | $9.5B | ||
| Q2 25 | $193.0M | $9.3B | ||
| Q1 25 | $183.1M | $9.2B | ||
| Q4 24 | $174.7M | $9.1B | ||
| Q3 24 | $183.4M | $9.2B | ||
| Q2 24 | $167.1M | $8.8B | ||
| Q1 24 | $165.5M | $8.7B |
总资产ATLOWBS
| Q4 25 | $2.1B | $84.1B | ||
| Q3 25 | $2.1B | $83.2B | ||
| Q2 25 | $2.1B | $81.9B | ||
| Q1 25 | $2.2B | $80.3B | ||
| Q4 24 | $2.1B | $79.0B | ||
| Q3 24 | $2.1B | $79.5B | ||
| Q2 24 | $2.1B | $76.8B | ||
| Q1 24 | $2.2B | $76.2B |
负债/权益比ATLOWBS
| Q4 25 | 0.09× | 0.08× | ||
| Q3 25 | — | 0.13× | ||
| Q2 25 | — | 0.10× | ||
| Q1 25 | — | 0.10× | ||
| Q4 24 | 0.11× | 0.10× | ||
| Q3 24 | — | 0.10× | ||
| Q2 24 | — | 0.10× | ||
| Q1 24 | — | 0.10× |
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 | $317.6M |
| 自由现金流经营现金流 - 资本支出 | $7.2M | $301.8M |
| 自由现金流率自由现金流/营收 | 47.4% | 514.2% |
| 资本支出强度资本支出/营收 | 1.5% | 26.9% |
| 现金转化率经营现金流/净利润 | 1.14× | 1.24× |
| 过去12个月自由现金流最近4个季度 | $20.7M | $1.0B |
8季度趋势，按日历期对齐
经营现金流ATLOWBS
| Q4 25 | $7.5M | $317.6M | ||
| Q3 25 | $2.8M | $374.7M | ||
| Q2 25 | $4.0M | $270.9M | ||
| Q1 25 | $7.1M | $94.9M | ||
| Q4 24 | $5.9M | $891.3M | ||
| Q3 24 | $3.1M | $45.3M | ||
| Q2 24 | $3.9M | $224.0M | ||
| Q1 24 | $1.4M | $243.7M |
自由现金流ATLOWBS
| Q4 25 | $7.2M | $301.8M | ||
| Q3 25 | $2.6M | $362.5M | ||
| Q2 25 | $3.9M | $257.7M | ||
| Q1 25 | $6.9M | $86.6M | ||
| Q4 24 | $5.9M | $879.0M | ||
| Q3 24 | $3.0M | $35.3M | ||
| Q2 24 | $3.8M | $215.6M | ||
| Q1 24 | $1.3M | $238.6M |
自由现金流率ATLOWBS
| Q4 25 | 47.4% | 514.2% | ||
| Q3 25 | 18.9% | 613.7% | ||
| Q2 25 | 28.9% | 433.6% | ||
| Q1 25 | 53.6% | 142.5% | ||
| Q4 24 | 48.5% | 1495.2% | ||
| Q3 24 | 27.4% | 57.8% | ||
| Q2 24 | 34.9% | 348.6% | ||
| Q1 24 | 12.0% | 372.8% |
资本支出强度ATLOWBS
| Q4 25 | 1.5% | 26.9% | ||
| Q3 25 | 0.7% | 20.7% | ||
| Q2 25 | 0.9% | 22.2% | ||
| Q1 25 | 1.5% | 13.7% | ||
| Q4 24 | 0.6% | 21.0% | ||
| Q3 24 | 0.6% | 16.4% | ||
| Q2 24 | 0.9% | 13.6% | ||
| Q1 24 | 0.6% | 7.9% |
现金转化率ATLOWBS
| Q4 25 | 1.14× | 1.24× | ||
| Q3 25 | 0.60× | 1.43× | ||
| Q2 25 | 0.89× | 1.05× | ||
| Q1 25 | 2.07× | 0.42× | ||
| Q4 24 | 1.69× | 5.01× | ||
| Q3 24 | 1.40× | 0.23× | ||
| Q2 24 | 1.78× | 1.23× | ||
| Q1 24 | 0.59× | 1.13× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
