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FIRST BANCORP（FBP）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FIRST BANCORP的1.8倍（$461.6M vs $257.2M），FIRST BANCORP净利率更高（33.9% vs 14.6%，领先19.3%），RBC Bearings INC同比增速更快（17.0% vs 6.5%），FIRST BANCORP自由现金流更多（$103.2M vs $99.1M），过去两年RBC Bearings INC的营收复合增速更高（5.6% vs 5.6%）
第一中西部银行总部位于美国伊利诺伊州芝加哥市，地处奥黑尔机场东侧，其前身可追溯至伊利诺伊州乔利埃特市。发展至今，该行服务范围覆盖芝加哥众多郊区，包括印第安纳州西北部、伊利诺伊州南部、威斯康星州东南部以及含爱荷华州在内的四城地区，是美国规模最大的银行机构之一。
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。
FBP vs RBC — 直观对比
营收规模更大
RBC
是对方的1.8倍
$257.2M
营收增速更快
RBC
高出10.5%
6.5%
净利率更高
FBP
高出19.3%
14.6%
自由现金流更多
FBP
多$4.1M
$99.1M
两年增速更快
RBC
近两年复合增速
5.6%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $257.2M | $461.6M |
| 净利润 | $87.1M | $67.4M |
| 毛利率 | — | 44.3% |
| 营业利润率 | 41.7% | 22.3% |
| 净利率 | 33.9% | 14.6% |
| 营收同比 | 6.5% | 17.0% |
| 净利润同比 | 15.1% | 16.4% |
| 每股收益（稀释后） | $0.55 | $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FBPRBC
| Q4 25 | $257.2M | $461.6M | ||
| Q3 25 | $248.7M | $455.3M | ||
| Q2 25 | $246.8M | $436.0M | ||
| Q1 25 | $248.1M | $437.7M | ||
| Q4 24 | $241.5M | $394.4M | ||
| Q3 24 | $234.6M | $397.9M | ||
| Q2 24 | $231.7M | $406.3M | ||
| Q1 24 | $230.5M | $413.7M |
净利润FBPRBC
| Q4 25 | $87.1M | $67.4M | ||
| Q3 25 | $100.5M | $60.0M | ||
| Q2 25 | $80.2M | $68.5M | ||
| Q1 25 | $77.1M | $72.7M | ||
| Q4 24 | $75.7M | $57.9M | ||
| Q3 24 | $73.7M | $54.2M | ||
| Q2 24 | $75.8M | $61.4M | ||
| Q1 24 | $73.5M | — |
毛利率FBPRBC
| 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FBPRBC
| Q4 25 | 41.7% | 22.3% | ||
| Q3 25 | 42.7% | 21.5% | ||
| Q2 25 | 41.7% | 23.2% | ||
| Q1 25 | 40.4% | 23.0% | ||
| Q4 24 | 39.8% | 21.7% | ||
| Q3 24 | 41.1% | 21.6% | ||
| Q2 24 | 43.8% | 24.0% | ||
| Q1 24 | 42.3% | 22.8% |
净利率FBPRBC
| Q4 25 | 33.9% | 14.6% | ||
| Q3 25 | 40.4% | 13.2% | ||
| Q2 25 | 32.5% | 15.7% | ||
| Q1 25 | 31.1% | 16.6% | ||
| Q4 24 | 31.4% | 14.7% | ||
| Q3 24 | 31.4% | 13.6% | ||
| Q2 24 | 32.7% | 15.1% | ||
| Q1 24 | 31.9% | — |
每股收益（稀释后）FBPRBC
| Q4 25 | $0.55 | $2.13 | ||
| Q3 25 | $0.63 | $1.90 | ||
| Q2 25 | $0.50 | $2.17 | ||
| Q1 25 | $0.47 | $2.33 | ||
| Q4 24 | $0.46 | $1.82 | ||
| Q3 24 | $0.45 | $1.65 | ||
| Q2 24 | $0.46 | $1.90 | ||
| Q1 24 | $0.44 | $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 | — | $107.6M |
| 总债务越低越好 | $290.0M | $990.2M |
| 股东权益账面价值 | $2.0B | $3.3B |
| 总资产 | $19.1B | $5.1B |
| 负债/权益比越低杠杆越低 | 0.15× | 0.30× |
8季度趋势，按日历期对齐
现金及短期投资FBPRBC
| Q4 25 | — | $107.6M | ||
| Q3 25 | — | $91.2M | ||
| Q2 25 | — | $132.9M | ||
| Q1 25 | — | $36.8M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $76.8M | ||
| Q1 24 | — | $63.5M |
总债务FBPRBC
| Q4 25 | $290.0M | $990.2M | ||
| Q3 25 | $290.0M | $1.1B | ||
| Q2 25 | $320.0M | $915.6M | ||
| Q1 25 | $331.1M | $920.1M | ||
| Q4 24 | $561.7M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $1.2B |
股东权益FBPRBC
| Q4 25 | $2.0B | $3.3B | ||
| Q3 25 | $1.9B | $3.2B | ||
| Q2 25 | $1.8B | $3.1B | ||
| Q1 25 | $1.8B | $3.0B | ||
| Q4 24 | $1.7B | $2.9B | ||
| Q3 24 | $1.7B | $2.9B | ||
| Q2 24 | $1.5B | $2.8B | ||
| Q1 24 | $1.5B | $2.8B |
总资产FBPRBC
| Q4 25 | $19.1B | $5.1B | ||
| Q3 25 | $19.3B | $5.1B | ||
| Q2 25 | $18.9B | $4.8B | ||
| Q1 25 | $19.1B | $4.7B | ||
| Q4 24 | $19.3B | $4.7B | ||
| Q3 24 | $18.9B | $4.7B | ||
| Q2 24 | $18.9B | $4.7B | ||
| Q1 24 | $18.9B | $4.7B |
负债/权益比FBPRBC
| Q4 25 | 0.15× | 0.30× | ||
| Q3 25 | 0.15× | 0.34× | ||
| Q2 25 | 0.17× | 0.29× | ||
| Q1 25 | 0.19× | 0.30× | ||
| Q4 24 | 0.34× | — | ||
| 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 | $107.3M | $122.1M |
| 自由现金流经营现金流 - 资本支出 | $103.2M | $99.1M |
| 自由现金流率自由现金流/营收 | 40.1% | 21.5% |
| 资本支出强度资本支出/营收 | 1.6% | 5.0% |
| 现金转化率经营现金流/净利润 | 1.23× | 1.81× |
| 过去12个月自由现金流最近4个季度 | $437.5M | — |
8季度趋势，按日历期对齐
经营现金流FBPRBC
| Q4 25 | $107.3M | $122.1M | ||
| Q3 25 | $137.6M | $88.4M | ||
| Q2 25 | $95.4M | $120.0M | ||
| Q1 25 | $108.2M | — | ||
| Q4 24 | $96.8M | $84.0M | ||
| Q3 24 | $118.0M | — | ||
| Q2 24 | $71.1M | $97.4M | ||
| Q1 24 | $118.2M | — |
自由现金流FBPRBC
| Q4 25 | $103.2M | $99.1M | ||
| Q3 25 | $134.8M | $71.7M | ||
| Q2 25 | $92.8M | $104.3M | ||
| Q1 25 | $106.7M | — | ||
| Q4 24 | $95.2M | $73.6M | ||
| Q3 24 | $115.4M | — | ||
| Q2 24 | $69.4M | $88.4M | ||
| Q1 24 | $114.1M | — |
自由现金流率FBPRBC
| Q4 25 | 40.1% | 21.5% | ||
| Q3 25 | 54.2% | 15.7% | ||
| Q2 25 | 37.6% | 23.9% | ||
| Q1 25 | 43.0% | — | ||
| Q4 24 | 39.4% | 18.7% | ||
| Q3 24 | 49.2% | — | ||
| Q2 24 | 30.0% | 21.8% | ||
| Q1 24 | 49.5% | — |
资本支出强度FBPRBC
| Q4 25 | 1.6% | 5.0% | ||
| Q3 25 | 1.2% | 3.7% | ||
| Q2 25 | 1.1% | 3.6% | ||
| Q1 25 | 0.6% | 3.2% | ||
| Q4 24 | 0.7% | 2.6% | ||
| Q3 24 | 1.1% | 4.1% | ||
| Q2 24 | 0.7% | 2.2% | ||
| Q1 24 | 1.8% | — |
现金转化率FBPRBC
| Q4 25 | 1.23× | 1.81× | ||
| Q3 25 | 1.37× | 1.47× | ||
| Q2 25 | 1.19× | 1.75× | ||
| Q1 25 | 1.40× | — | ||
| Q4 24 | 1.28× | 1.45× | ||
| Q3 24 | 1.60× | — | ||
| Q2 24 | 0.94× | 1.59× | ||
| Q1 24 | 1.61× | — |
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
FBP
| Consumer Retail Banking Segment | $171.5M | 67% |
| Commercial And Corporate Segment | $46.9M | 18% |
| Mortgage Banking Segment | $22.4M | 9% |
| Virgin Islands Operations Segment | $18.6M | 7% |
RBC
| Domestic | $413.3M | 90% |
| Foreign | $48.3M | 10% |
