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合众银行（CUBI）与GIBRALTAR INDUSTRIES, INC.（ROCK）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GIBRALTAR INDUSTRIES, INC.的1.1倍（$236.9M vs $225.0M），GIBRALTAR INDUSTRIES, INC.同比增速更快（24.9% vs 21.8%），合众银行自由现金流更多（$481.0M vs $26.2M），过去两年合众银行的营收复合增速更高（14.2% vs -12.3%）
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。
直布罗陀工业公司是专业建筑、基础设施及可再生能源产品制造商与分销商，主营通风系统、屋面配件、太阳能安装支架、园林景观产品等，主要服务北美地区住宅、商业建筑及清洁能源市场，专注提供创新可持续的客户解决方案。
CUBI vs ROCK — 直观对比
营收规模更大
CUBI
是对方的1.1倍
$225.0M
营收增速更快
ROCK
高出3.1%
21.8%
自由现金流更多
CUBI
多$454.8M
$26.2M
两年增速更快
CUBI
近两年复合增速
-12.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $236.9M | $225.0M |
| 净利润 | — | — |
| 毛利率 | — | 25.3% |
| 营业利润率 | 41.1% | 7.9% |
| 净利率 | — | — |
| 营收同比 | 21.8% | 24.9% |
| 净利润同比 | — | — |
| 每股收益（稀释后） | $2.04 | — |
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CUBIROCK
| Q4 25 | $236.9M | $225.0M | ||
| Q3 25 | $232.1M | $310.9M | ||
| Q2 25 | $206.3M | $309.5M | ||
| Q1 25 | $143.0M | $290.0M | ||
| Q4 24 | $167.8M | $180.1M | ||
| Q3 24 | $167.1M | $277.1M | ||
| Q2 24 | $198.7M | $273.6M | ||
| Q1 24 | $181.6M | $292.5M |
净利润CUBIROCK
| Q4 25 | — | — | ||
| Q3 25 | $75.7M | $-89.1M | ||
| Q2 25 | $60.9M | $26.0M | ||
| Q1 25 | $12.9M | $21.1M | ||
| Q4 24 | — | — | ||
| Q3 24 | $46.7M | $34.0M | ||
| Q2 24 | $58.1M | $32.2M | ||
| Q1 24 | $49.7M | $24.9M |
毛利率CUBIROCK
| Q4 25 | — | 25.3% | ||
| Q3 25 | — | 26.6% | ||
| Q2 25 | — | 28.4% | ||
| Q1 25 | — | 26.8% | ||
| Q4 24 | — | 29.0% | ||
| Q3 24 | — | 29.4% | ||
| Q2 24 | — | 30.5% | ||
| Q1 24 | — | 28.9% |
营业利润率CUBIROCK
| Q4 25 | 41.1% | 7.9% | ||
| Q3 25 | 43.2% | 12.8% | ||
| Q2 25 | 38.2% | 12.8% | ||
| Q1 25 | 8.3% | 8.8% | ||
| Q4 24 | 21.4% | 13.3% | ||
| Q3 24 | 27.5% | 15.6% | ||
| Q2 24 | 38.8% | 14.9% | ||
| Q1 24 | 36.0% | 10.8% |
净利率CUBIROCK
| Q4 25 | — | — | ||
| Q3 25 | 32.6% | -28.6% | ||
| Q2 25 | 29.5% | 8.4% | ||
| Q1 25 | 9.0% | 7.3% | ||
| Q4 24 | — | — | ||
| Q3 24 | 28.0% | 12.3% | ||
| Q2 24 | 29.2% | 11.8% | ||
| Q1 24 | 27.4% | 8.5% |
每股收益（稀释后）CUBIROCK
| Q4 25 | $2.04 | — | ||
| Q3 25 | $2.20 | $-2.98 | ||
| Q2 25 | $1.73 | $0.87 | ||
| Q1 25 | $0.29 | — | ||
| Q4 24 | $0.72 | — | ||
| Q3 24 | $1.31 | $1.11 | ||
| Q2 24 | $1.66 | $1.05 | ||
| Q1 24 | $1.40 | — |
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 | $115.7M |
| 总债务越低越好 | — | $0 |
| 股东权益账面价值 | $2.1B | $950.4M |
| 总资产 | $24.9B | $1.4B |
| 负债/权益比越低杠杆越低 | — | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资CUBIROCK
| Q4 25 | $4.4B | $115.7M | ||
| Q3 25 | $4.2B | $89.4M | ||
| Q2 25 | $3.5B | $43.3M | ||
| Q1 25 | $3.4B | $25.1M | ||
| Q4 24 | $3.8B | $269.5M | ||
| Q3 24 | $3.1B | $228.9M | ||
| Q2 24 | $3.0B | $179.1M | ||
| Q1 24 | $3.7B | $146.7M |
总债务CUBIROCK
| Q4 25 | — | $0 | ||
| Q3 25 | — | $0 | ||
| Q2 25 | — | $0 | ||
| Q1 25 | — | $0 | ||
| Q4 24 | — | $0 | ||
| Q3 24 | — | $0 | ||
| Q2 24 | — | $0 | ||
| Q1 24 | — | $0 |
股东权益CUBIROCK
| Q4 25 | $2.1B | $950.4M | ||
| Q3 25 | $2.1B | $951.8M | ||
| Q2 25 | $1.9B | $1.0B | ||
| Q1 25 | $1.9B | $1.0B | ||
| Q4 24 | $1.8B | $1.0B | ||
| Q3 24 | $1.8B | $1.0B | ||
| Q2 24 | $1.7B | $975.7M | ||
| Q1 24 | $1.7B | $940.2M |
总资产CUBIROCK
| Q4 25 | $24.9B | $1.4B | ||
| Q3 25 | $24.3B | $1.4B | ||
| Q2 25 | $22.6B | $1.5B | ||
| Q1 25 | $22.4B | $1.4B | ||
| Q4 24 | $22.3B | $1.4B | ||
| Q3 24 | $21.5B | $1.4B | ||
| Q2 24 | $20.9B | $1.4B | ||
| Q1 24 | $21.3B | $1.3B |
负债/权益比CUBIROCK
| Q4 25 | — | 0.00× | ||
| Q3 25 | — | 0.00× | ||
| Q2 25 | — | 0.00× | ||
| Q1 25 | — | 0.00× | ||
| Q4 24 | — | 0.00× | ||
| Q3 24 | — | 0.00× | ||
| Q2 24 | — | 0.00× | ||
| Q1 24 | — | 0.00× |
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 | $35.5M |
| 自由现金流经营现金流 - 资本支出 | $481.0M | $26.2M |
| 自由现金流率自由现金流/营收 | 203.0% | 11.7% |
| 资本支出强度资本支出/营收 | 5.8% | 4.1% |
| 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 | $120.6M |
8季度趋势，按日历期对齐
经营现金流CUBIROCK
| Q4 25 | $494.8M | $35.5M | ||
| Q3 25 | $116.9M | $73.0M | ||
| Q2 25 | $162.2M | $44.9M | ||
| Q1 25 | $94.1M | $13.7M | ||
| Q4 24 | $145.1M | $19.9M | ||
| Q3 24 | $24.4M | $64.7M | ||
| Q2 24 | $6.1M | $36.5M | ||
| Q1 24 | $-18.8M | $53.2M |
自由现金流CUBIROCK
| Q4 25 | $481.0M | $26.2M | ||
| Q3 25 | $106.4M | $64.8M | ||
| Q2 25 | $162.1M | $27.3M | ||
| Q1 25 | $93.4M | $2.3M | ||
| Q4 24 | $143.6M | $14.1M | ||
| Q3 24 | $24.1M | $60.5M | ||
| Q2 24 | $5.8M | $33.5M | ||
| Q1 24 | $-19.2M | $48.8M |
自由现金流率CUBIROCK
| Q4 25 | 203.0% | 11.7% | ||
| Q3 25 | 45.9% | 20.8% | ||
| Q2 25 | 78.6% | 8.8% | ||
| Q1 25 | 65.4% | 0.8% | ||
| Q4 24 | 85.5% | 7.8% | ||
| Q3 24 | 14.4% | 21.8% | ||
| Q2 24 | 2.9% | 12.2% | ||
| Q1 24 | -10.6% | 16.7% |
资本支出强度CUBIROCK
| Q4 25 | 5.8% | 4.1% | ||
| Q3 25 | 4.5% | 2.6% | ||
| Q2 25 | 0.0% | 5.7% | ||
| Q1 25 | 0.5% | 3.9% | ||
| Q4 24 | 0.9% | 3.3% | ||
| Q3 24 | 0.2% | 1.5% | ||
| Q2 24 | 0.2% | 1.1% | ||
| Q1 24 | 0.2% | 1.5% |
现金转化率CUBIROCK
| Q4 25 | — | — | ||
| Q3 25 | 1.54× | — | ||
| Q2 25 | 2.66× | 1.73× | ||
| Q1 25 | 7.29× | 0.65× | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.52× | 1.90× | ||
| Q2 24 | 0.10× | 1.13× | ||
| Q1 24 | -0.38× | 2.13× |
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
ROCK
| Transferred At Point In Time | $183.5M | 82% |
| Infrastructure | $22.5M | 10% |
| Other | $18.9M | 8% |
