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Merchants Bancorp（MBIN）与null（SWIM）财务数据对比。点击上方公司名可切换其他公司
Merchants Bancorp的季度营收约是null的1.8倍（$175.2M vs $100.0M），Merchants Bancorp净利率更高（38.6% vs -7.0%，领先45.7%），过去两年Merchants Bancorp的营收复合增速更高（4.8% vs -4.9%）
Ameris Bancorp是总部位于美国佐治亚州亚特兰大的银行控股企业，旗下设有Ameris Bank子公司，在佐治亚州、阿拉巴马州、佛罗里达州、北卡罗来纳州、南卡罗来纳州运营全服务网点，同时在上述五州及弗吉尼亚州、马里兰州、田纳西州设立仅办理抵押贷款业务的网点，为个人和企业客户提供线上及移动端银行服务。
该企业是一家源自美国的跨国律师事务所，1934年创立于加利福尼亚州洛杉矶，在诉讼业务、公司法务以及监管合规法律领域拥有深厚的行业积累与知名度，是全球颇具影响力的综合性律所之一。
MBIN vs SWIM — 直观对比
营收规模更大
MBIN
是对方的1.8倍
$100.0M
净利率更高
MBIN
高出45.7%
-7.0%
两年增速更快
MBIN
近两年复合增速
-4.9%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $175.2M | $100.0M |
| 净利润 | $67.7M | $-7.0M |
| 毛利率 | — | 28.0% |
| 营业利润率 | — | -10.7% |
| 净利率 | 38.6% | -7.0% |
| 营收同比 | — | 14.5% |
| 净利润同比 | 16.3% | 76.0% |
| 每股收益（稀释后） | $1.25 | $-0.06 |
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MBINSWIM
| Q1 26 | $175.2M | — | ||
| Q4 25 | $185.3M | $100.0M | ||
| Q3 25 | $171.1M | $161.9M | ||
| Q2 25 | $179.2M | $172.6M | ||
| Q1 25 | $145.9M | $111.4M | ||
| Q4 24 | $193.8M | $87.3M | ||
| Q3 24 | $149.6M | $150.5M | ||
| Q2 24 | $159.5M | $160.1M |
净利润MBINSWIM
| Q1 26 | $67.7M | — | ||
| Q4 25 | — | $-7.0M | ||
| Q3 25 | $54.7M | $8.1M | ||
| Q2 25 | $38.0M | $16.0M | ||
| Q1 25 | $58.2M | $-6.0M | ||
| Q4 24 | — | $-29.2M | ||
| Q3 24 | $61.3M | $5.9M | ||
| Q2 24 | $76.4M | $13.3M |
毛利率MBINSWIM
| Q1 26 | — | — | ||
| Q4 25 | — | 28.0% | ||
| Q3 25 | — | 35.4% | ||
| Q2 25 | — | 37.1% | ||
| Q1 25 | — | 29.5% | ||
| Q4 24 | — | 24.6% | ||
| Q3 24 | — | 32.4% | ||
| Q2 24 | — | 33.1% |
营业利润率MBINSWIM
| Q1 26 | — | — | ||
| Q4 25 | 39.9% | -10.7% | ||
| Q3 25 | 37.8% | 13.3% | ||
| Q2 25 | 27.3% | 14.3% | ||
| Q1 25 | 52.4% | -4.4% | ||
| Q4 24 | 66.0% | -14.9% | ||
| Q3 24 | 54.4% | 8.9% | ||
| Q2 24 | 62.2% | 12.5% |
净利率MBINSWIM
| Q1 26 | 38.6% | — | ||
| Q4 25 | — | -7.0% | ||
| Q3 25 | 32.0% | 5.0% | ||
| Q2 25 | 21.2% | 9.3% | ||
| Q1 25 | 39.9% | -5.4% | ||
| Q4 24 | — | -33.4% | ||
| Q3 24 | 41.0% | 3.9% | ||
| Q2 24 | 47.9% | 8.3% |
每股收益（稀释后）MBINSWIM
| Q1 26 | $1.25 | — | ||
| Q4 25 | $1.28 | $-0.06 | ||
| Q3 25 | $0.97 | $0.07 | ||
| Q2 25 | $0.60 | $0.13 | ||
| Q1 25 | $0.93 | $-0.05 | ||
| Q4 24 | $1.84 | $-0.24 | ||
| Q3 24 | $1.17 | $0.05 | ||
| Q2 24 | $1.49 | $0.11 |
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 | $83.2M | — |
| 总债务越低越好 | $32.0M | $279.8M |
| 股东权益账面价值 | $2.3B | $405.9M |
| 总资产 | $20.3B | $823.2M |
| 负债/权益比越低杠杆越低 | 0.01× | 0.69× |
8季度趋势，按日历期对齐
现金及短期投资MBINSWIM
| Q1 26 | $83.2M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
总债务MBINSWIM
| Q1 26 | $32.0M | — | ||
| Q4 25 | — | $279.8M | ||
| Q3 25 | — | $281.1M | ||
| Q2 25 | — | $281.5M | ||
| Q1 25 | — | $306.9M | ||
| Q4 24 | — | $281.5M | ||
| Q3 24 | — | $282.8M | ||
| Q2 24 | — | $282.4M |
股东权益MBINSWIM
| Q1 26 | $2.3B | — | ||
| Q4 25 | $2.3B | $405.9M | ||
| Q3 25 | $2.2B | $408.4M | ||
| Q2 25 | $2.2B | $398.4M | ||
| Q1 25 | $2.2B | $381.1M | ||
| Q4 24 | $2.2B | $387.2M | ||
| Q3 24 | $1.9B | $416.6M | ||
| Q2 24 | $1.9B | $408.1M |
总资产MBINSWIM
| Q1 26 | $20.3B | — | ||
| Q4 25 | $19.4B | $823.2M | ||
| Q3 25 | $19.4B | $844.4M | ||
| Q2 25 | $19.1B | $822.1M | ||
| Q1 25 | $18.8B | $824.6M | ||
| Q4 24 | $18.8B | $794.2M | ||
| Q3 24 | $18.7B | $853.4M | ||
| Q2 24 | $18.2B | $830.0M |
负债/权益比MBINSWIM
| Q1 26 | 0.01× | — | ||
| Q4 25 | — | 0.69× | ||
| Q3 25 | — | 0.69× | ||
| Q2 25 | — | 0.71× | ||
| Q1 25 | — | 0.81× | ||
| Q4 24 | — | 0.73× | ||
| Q3 24 | — | 0.68× | ||
| Q2 24 | — | 0.69× |
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 | — | $23.3M |
| 自由现金流经营现金流 - 资本支出 | — | $14.1M |
| 自由现金流率自由现金流/营收 | — | 14.1% |
| 资本支出强度资本支出/营收 | — | 9.2% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $38.0M |
8季度趋势，按日历期对齐
经营现金流MBINSWIM
| Q1 26 | — | — | ||
| Q4 25 | $-341.2M | $23.3M | ||
| Q3 25 | $29.8M | $51.0M | ||
| Q2 25 | $-121.2M | $36.0M | ||
| Q1 25 | $148.0M | $-46.9M | ||
| Q4 24 | $-835.3M | $6.2M | ||
| Q3 24 | $-492.6M | $37.2M | ||
| Q2 24 | $51.1M | $52.4M |
自由现金流MBINSWIM
| Q1 26 | — | — | ||
| Q4 25 | $-362.2M | $14.1M | ||
| Q3 25 | $24.0M | $45.2M | ||
| Q2 25 | $-125.7M | $29.1M | ||
| Q1 25 | $141.2M | $-50.3M | ||
| Q4 24 | $-853.7M | $-98.0K | ||
| Q3 24 | $-497.2M | $33.2M | ||
| Q2 24 | $45.8M | $47.9M |
自由现金流率MBINSWIM
| Q1 26 | — | — | ||
| Q4 25 | -195.5% | 14.1% | ||
| Q3 25 | 14.0% | 27.9% | ||
| Q2 25 | -70.1% | 16.8% | ||
| Q1 25 | 96.8% | -45.2% | ||
| Q4 24 | -440.6% | -0.1% | ||
| Q3 24 | -332.4% | 22.1% | ||
| Q2 24 | 28.7% | 29.9% |
资本支出强度MBINSWIM
| Q1 26 | — | — | ||
| Q4 25 | 11.3% | 9.2% | ||
| Q3 25 | 3.4% | 3.6% | ||
| Q2 25 | 2.5% | 4.0% | ||
| Q1 25 | 4.7% | 3.1% | ||
| Q4 24 | 9.5% | 7.2% | ||
| Q3 24 | 3.0% | 2.7% | ||
| Q2 24 | 3.3% | 2.8% |
现金转化率MBINSWIM
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 0.54× | 6.29× | ||
| Q2 25 | -3.19× | 2.25× | ||
| Q1 25 | 2.54× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | -8.04× | 6.32× | ||
| Q2 24 | 0.67× | 3.95× |
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
MBIN
| Net Interest Income | $128.6M | 73% |
| Noninterest Income | $46.6M | 27% |
SWIM
| In Ground Swimming Pools | $50.2M | 50% |
| Covers | $37.0M | 37% |
| Liners | $12.7M | 13% |
