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合众银行（CUBI）与STURM RUGER & CO INC（RGR）财务数据对比。点击上方公司名可切换其他公司
合众银行的季度营收约是STURM RUGER & CO INC的1.6倍（$236.9M vs $151.1M），合众银行同比增速更快（21.8% vs 3.6%），合众银行自由现金流更多（$481.0M vs $12.3M），过去两年合众银行的营收复合增速更高（14.2% vs 5.1%）
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。
鲁格公司（Ruger）是总部位于美国康涅狄格州绍斯波特的枪械制造企业，除总部外，还在新罕布什尔州纽波特、北卡罗来纳州梅约丹以及亚利桑那州普雷斯科特设有生产工厂。公司由亚历山大·麦考密克·斯特姆与威廉·B·鲁格于1949年共同创立，自1969年起公开上市交易。
CUBI vs RGR — 直观对比
营收规模更大
CUBI
是对方的1.6倍
$151.1M
营收增速更快
CUBI
高出18.2%
3.6%
自由现金流更多
CUBI
多$468.7M
$12.3M
两年增速更快
CUBI
近两年复合增速
5.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $236.9M | $151.1M |
| 净利润 | — | — |
| 毛利率 | — | 17.8% |
| 营业利润率 | 41.1% | 2.3% |
| 净利率 | — | — |
| 营收同比 | 21.8% | 3.6% |
| 净利润同比 | — | — |
| 每股收益（稀释后） | $2.04 | $0.22 |
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CUBIRGR
| Q4 25 | $236.9M | $151.1M | ||
| Q3 25 | $232.1M | $126.8M | ||
| Q2 25 | $206.3M | $132.5M | ||
| Q1 25 | $143.0M | $135.7M | ||
| Q4 24 | $167.8M | $145.8M | ||
| Q3 24 | $167.1M | $122.3M | ||
| Q2 24 | $198.7M | $130.8M | ||
| Q1 24 | $181.6M | $136.8M |
净利润CUBIRGR
| Q4 25 | — | — | ||
| Q3 25 | $75.7M | $1.6M | ||
| Q2 25 | $60.9M | $-17.2M | ||
| Q1 25 | $12.9M | $7.8M | ||
| Q4 24 | — | — | ||
| Q3 24 | $46.7M | $4.7M | ||
| Q2 24 | $58.1M | $8.3M | ||
| Q1 24 | $49.7M | $7.1M |
毛利率CUBIRGR
| Q4 25 | — | 17.8% | ||
| Q3 25 | — | 15.1% | ||
| Q2 25 | — | 3.9% | ||
| Q1 25 | — | 22.0% | ||
| Q4 24 | — | 22.8% | ||
| Q3 24 | — | 18.5% | ||
| Q2 24 | — | 22.3% | ||
| Q1 24 | — | 21.5% |
营业利润率CUBIRGR
| Q4 25 | 41.1% | 2.3% | ||
| Q3 25 | 43.2% | -2.7% | ||
| Q2 25 | 38.2% | -15.6% | ||
| Q1 25 | 8.3% | 6.2% | ||
| Q4 24 | 21.4% | 7.8% | ||
| Q3 24 | 27.5% | 3.1% | ||
| Q2 24 | 38.8% | 6.9% | ||
| Q1 24 | 36.0% | 5.5% |
净利率CUBIRGR
| Q4 25 | — | — | ||
| Q3 25 | 32.6% | 1.2% | ||
| Q2 25 | 29.5% | -13.0% | ||
| Q1 25 | 9.0% | 5.7% | ||
| Q4 24 | — | — | ||
| Q3 24 | 28.0% | 3.9% | ||
| Q2 24 | 29.2% | 6.3% | ||
| Q1 24 | 27.4% | 5.2% |
每股收益（稀释后）CUBIRGR
| Q4 25 | $2.04 | $0.22 | ||
| Q3 25 | $2.20 | $0.10 | ||
| Q2 25 | $1.73 | $-1.05 | ||
| Q1 25 | $0.29 | $0.46 | ||
| Q4 24 | $0.72 | $0.62 | ||
| Q3 24 | $1.31 | $0.28 | ||
| Q2 24 | $1.66 | $0.47 | ||
| Q1 24 | $1.40 | $0.40 |
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 | $92.5M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $2.1B | $283.8M |
| 总资产 | $24.9B | $342.0M |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资CUBIRGR
| Q4 25 | $4.4B | $92.5M | ||
| Q3 25 | $4.2B | $80.8M | ||
| Q2 25 | $3.5B | $101.4M | ||
| Q1 25 | $3.4B | $108.3M | ||
| Q4 24 | $3.8B | $105.5M | ||
| Q3 24 | $3.1B | $96.0M | ||
| Q2 24 | $3.0B | $105.6M | ||
| Q1 24 | $3.7B | $115.3M |
股东权益CUBIRGR
| Q4 25 | $2.1B | $283.8M | ||
| Q3 25 | $2.1B | $279.6M | ||
| Q2 25 | $1.9B | $289.3M | ||
| Q1 25 | $1.9B | $321.5M | ||
| Q4 24 | $1.8B | $319.6M | ||
| Q3 24 | $1.8B | $314.9M | ||
| Q2 24 | $1.7B | $321.5M | ||
| Q1 24 | $1.7B | $332.0M |
总资产CUBIRGR
| Q4 25 | $24.9B | $342.0M | ||
| Q3 25 | $24.3B | $342.3M | ||
| Q2 25 | $22.6B | $349.5M | ||
| Q1 25 | $22.4B | $379.0M | ||
| Q4 24 | $22.3B | $384.0M | ||
| Q3 24 | $21.5B | $373.5M | ||
| Q2 24 | $20.9B | $376.7M | ||
| Q1 24 | $21.3B | $385.0M |
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 | $15.5M |
| 自由现金流经营现金流 - 资本支出 | $481.0M | $12.3M |
| 自由现金流率自由现金流/营收 | 203.0% | 8.2% |
| 资本支出强度资本支出/营收 | 5.8% | 2.1% |
| 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 | $843.0M | $38.5M |
8季度趋势，按日历期对齐
经营现金流CUBIRGR
| Q4 25 | $494.8M | $15.5M | ||
| Q3 25 | $116.9M | $12.9M | ||
| Q2 25 | $162.2M | $14.7M | ||
| Q1 25 | $94.1M | $11.1M | ||
| Q4 24 | $145.1M | $20.0M | ||
| Q3 24 | $24.4M | $9.4M | ||
| Q2 24 | $6.1M | $18.7M | ||
| Q1 24 | $-18.8M | $7.3M |
自由现金流CUBIRGR
| Q4 25 | $481.0M | $12.3M | ||
| Q3 25 | $106.4M | $7.0M | ||
| Q2 25 | $162.1M | $9.1M | ||
| Q1 25 | $93.4M | $10.0M | ||
| Q4 24 | $143.6M | $16.4M | ||
| Q3 24 | $24.1M | $2.6M | ||
| Q2 24 | $5.8M | $10.1M | ||
| Q1 24 | $-19.2M | $5.6M |
自由现金流率CUBIRGR
| Q4 25 | 203.0% | 8.2% | ||
| Q3 25 | 45.9% | 5.5% | ||
| Q2 25 | 78.6% | 6.9% | ||
| Q1 25 | 65.4% | 7.4% | ||
| Q4 24 | 85.5% | 11.2% | ||
| Q3 24 | 14.4% | 2.1% | ||
| Q2 24 | 2.9% | 7.7% | ||
| Q1 24 | -10.6% | 4.1% |
资本支出强度CUBIRGR
| Q4 25 | 5.8% | 2.1% | ||
| Q3 25 | 4.5% | 4.6% | ||
| Q2 25 | 0.0% | 4.2% | ||
| Q1 25 | 0.5% | 0.8% | ||
| Q4 24 | 0.9% | 2.5% | ||
| Q3 24 | 0.2% | 5.5% | ||
| Q2 24 | 0.2% | 6.6% | ||
| Q1 24 | 0.2% | 1.3% |
现金转化率CUBIRGR
| Q4 25 | — | — | ||
| Q3 25 | 1.54× | 8.15× | ||
| Q2 25 | 2.66× | — | ||
| Q1 25 | 7.29× | 1.43× | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.52× | 1.98× | ||
| Q2 24 | 0.10× | 2.27× | ||
| Q1 24 | -0.38× | 1.04× |
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
RGR
| Firearms | $150.6M | 100% |
| Castings | $7.3M | 5% |
