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合众银行（CUBI）与RBC Bearings INC（RBC）财务数据对比。点击上方公司名可切换其他公司
RBC Bearings INC的季度营收约是合众银行的1.9倍（$461.6M vs $236.9M），合众银行同比增速更快（21.8% vs 17.0%），合众银行自由现金流更多（$481.0M vs $99.1M），过去两年合众银行的营收复合增速更高（14.2% vs 5.6%）
合众银行是总部位于美国明尼苏达州明尼阿波利斯、在特拉华州注册的跨国银行机构，2025年位列美国第五大银行，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具有系统重要性。旗下核心运营主体为美国合众银行全国协会，提供银行、投资、按揭等多元金融服务。
该文本实际介绍的并非RBC Bearings，而是美国多佛公司。多佛是一家工业产品综合制造商，1955年成立，总部位于伊利诺伊州当纳斯格罗夫。2021年其业务分为五大板块：工程产品、清洁能源与加注、成像与识别、泵与工艺解决方案、气候与可持续技术，是标普500成分股，在纽约证券交易所上市。
CUBI vs RBC — 直观对比
营收规模更大
RBC
是对方的1.9倍
$236.9M
营收增速更快
CUBI
高出4.8%
17.0%
自由现金流更多
CUBI
多$381.9M
$99.1M
两年增速更快
CUBI
近两年复合增速
5.6%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $236.9M | $461.6M |
| 净利润 | — | $67.4M |
| 毛利率 | — | 44.3% |
| 营业利润率 | 41.1% | 22.3% |
| 净利率 | — | 14.6% |
| 营收同比 | 21.8% | 17.0% |
| 净利润同比 | — | 16.4% |
| 每股收益（稀释后） | $2.04 | $2.13 |
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CUBIRBC
| Q4 25 | $236.9M | $461.6M | ||
| Q3 25 | $232.1M | $455.3M | ||
| Q2 25 | $206.3M | $436.0M | ||
| Q1 25 | $143.0M | $437.7M | ||
| Q4 24 | $167.8M | $394.4M | ||
| Q3 24 | $167.1M | $397.9M | ||
| Q2 24 | $198.7M | $406.3M | ||
| Q1 24 | $181.6M | $413.7M |
净利润CUBIRBC
| Q4 25 | — | $67.4M | ||
| Q3 25 | $75.7M | $60.0M | ||
| Q2 25 | $60.9M | $68.5M | ||
| Q1 25 | $12.9M | $72.7M | ||
| Q4 24 | — | $57.9M | ||
| Q3 24 | $46.7M | $54.2M | ||
| Q2 24 | $58.1M | $61.4M | ||
| Q1 24 | $49.7M | — |
毛利率CUBIRBC
| Q4 25 | — | 44.3% | ||
| Q3 25 | — | 44.1% | ||
| Q2 25 | — | 44.8% | ||
| Q1 25 | — | 44.2% | ||
| Q4 24 | — | 44.3% | ||
| Q3 24 | — | 43.7% | ||
| Q2 24 | — | 45.3% | ||
| Q1 24 | — | 43.1% |
营业利润率CUBIRBC
| Q4 25 | 41.1% | 22.3% | ||
| Q3 25 | 43.2% | 21.5% | ||
| Q2 25 | 38.2% | 23.2% | ||
| Q1 25 | 8.3% | 23.0% | ||
| Q4 24 | 21.4% | 21.7% | ||
| Q3 24 | 27.5% | 21.6% | ||
| Q2 24 | 38.8% | 24.0% | ||
| Q1 24 | 36.0% | 22.8% |
净利率CUBIRBC
| Q4 25 | — | 14.6% | ||
| Q3 25 | 32.6% | 13.2% | ||
| Q2 25 | 29.5% | 15.7% | ||
| Q1 25 | 9.0% | 16.6% | ||
| Q4 24 | — | 14.7% | ||
| Q3 24 | 28.0% | 13.6% | ||
| Q2 24 | 29.2% | 15.1% | ||
| Q1 24 | 27.4% | — |
每股收益（稀释后）CUBIRBC
| Q4 25 | $2.04 | $2.13 | ||
| Q3 25 | $2.20 | $1.90 | ||
| Q2 25 | $1.73 | $2.17 | ||
| Q1 25 | $0.29 | $2.33 | ||
| Q4 24 | $0.72 | $1.82 | ||
| Q3 24 | $1.31 | $1.65 | ||
| Q2 24 | $1.66 | $1.90 | ||
| Q1 24 | $1.40 | $1.92 |
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 | $4.4B | $107.6M |
| 总债务越低越好 | — | $990.2M |
| 股东权益账面价值 | $2.1B | $3.3B |
| 总资产 | $24.9B | $5.1B |
| 负债/权益比越低杠杆越低 | — | 0.30× |
8季度趋势，按日历期对齐
现金及短期投资CUBIRBC
| Q4 25 | $4.4B | $107.6M | ||
| Q3 25 | $4.2B | $91.2M | ||
| Q2 25 | $3.5B | $132.9M | ||
| Q1 25 | $3.4B | $36.8M | ||
| Q4 24 | $3.8B | — | ||
| Q3 24 | $3.1B | — | ||
| Q2 24 | $3.0B | $76.8M | ||
| Q1 24 | $3.7B | $63.5M |
总债务CUBIRBC
| Q4 25 | — | $990.2M | ||
| Q3 25 | — | $1.1B | ||
| Q2 25 | — | $915.6M | ||
| Q1 25 | — | $920.1M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $1.2B |
股东权益CUBIRBC
| Q4 25 | $2.1B | $3.3B | ||
| Q3 25 | $2.1B | $3.2B | ||
| Q2 25 | $1.9B | $3.1B | ||
| Q1 25 | $1.9B | $3.0B | ||
| Q4 24 | $1.8B | $2.9B | ||
| Q3 24 | $1.8B | $2.9B | ||
| Q2 24 | $1.7B | $2.8B | ||
| Q1 24 | $1.7B | $2.8B |
总资产CUBIRBC
| Q4 25 | $24.9B | $5.1B | ||
| Q3 25 | $24.3B | $5.1B | ||
| Q2 25 | $22.6B | $4.8B | ||
| Q1 25 | $22.4B | $4.7B | ||
| Q4 24 | $22.3B | $4.7B | ||
| Q3 24 | $21.5B | $4.7B | ||
| Q2 24 | $20.9B | $4.7B | ||
| Q1 24 | $21.3B | $4.7B |
负债/权益比CUBIRBC
| Q4 25 | — | 0.30× | ||
| Q3 25 | — | 0.34× | ||
| Q2 25 | — | 0.29× | ||
| Q1 25 | — | 0.30× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 0.43× |
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 | $494.8M | $122.1M |
| 自由现金流经营现金流 - 资本支出 | $481.0M | $99.1M |
| 自由现金流率自由现金流/营收 | 203.0% | 21.5% |
| 资本支出强度资本支出/营收 | 5.8% | 5.0% |
| 现金转化率经营现金流/净利润 | — | 1.81× |
| 过去12个月自由现金流最近4个季度 | $843.0M | — |
8季度趋势，按日历期对齐
经营现金流CUBIRBC
| Q4 25 | $494.8M | $122.1M | ||
| Q3 25 | $116.9M | $88.4M | ||
| Q2 25 | $162.2M | $120.0M | ||
| Q1 25 | $94.1M | — | ||
| Q4 24 | $145.1M | $84.0M | ||
| Q3 24 | $24.4M | — | ||
| Q2 24 | $6.1M | $97.4M | ||
| Q1 24 | $-18.8M | — |
自由现金流CUBIRBC
| Q4 25 | $481.0M | $99.1M | ||
| Q3 25 | $106.4M | $71.7M | ||
| Q2 25 | $162.1M | $104.3M | ||
| Q1 25 | $93.4M | — | ||
| Q4 24 | $143.6M | $73.6M | ||
| Q3 24 | $24.1M | — | ||
| Q2 24 | $5.8M | $88.4M | ||
| Q1 24 | $-19.2M | — |
自由现金流率CUBIRBC
| Q4 25 | 203.0% | 21.5% | ||
| Q3 25 | 45.9% | 15.7% | ||
| Q2 25 | 78.6% | 23.9% | ||
| Q1 25 | 65.4% | — | ||
| Q4 24 | 85.5% | 18.7% | ||
| Q3 24 | 14.4% | — | ||
| Q2 24 | 2.9% | 21.8% | ||
| Q1 24 | -10.6% | — |
资本支出强度CUBIRBC
| Q4 25 | 5.8% | 5.0% | ||
| Q3 25 | 4.5% | 3.7% | ||
| Q2 25 | 0.0% | 3.6% | ||
| Q1 25 | 0.5% | 3.2% | ||
| Q4 24 | 0.9% | 2.6% | ||
| Q3 24 | 0.2% | 4.1% | ||
| Q2 24 | 0.2% | 2.2% | ||
| Q1 24 | 0.2% | — |
现金转化率CUBIRBC
| Q4 25 | — | 1.81× | ||
| Q3 25 | 1.54× | 1.47× | ||
| Q2 25 | 2.66× | 1.75× | ||
| Q1 25 | 7.29× | — | ||
| Q4 24 | — | 1.45× | ||
| Q3 24 | 0.52× | — | ||
| Q2 24 | 0.10× | 1.59× | ||
| Q1 24 | -0.38× | — |
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
CUBI
暂无分部数据
RBC
| Domestic | $413.3M | 90% |
| Foreign | $48.3M | 10% |
