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FIRST BANCORP（FBP）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
FIRST BANCORP的季度营收约是GIBRALTAR INDUSTRIES, INC.的1.1倍（$257.2M vs $225.0M），GIBRALTAR INDUSTRIES, INC.同比增速更快（24.9% vs 6.5%），FIRST BANCORP自由现金流更多（$103.2M vs $26.2M），过去两年FIRST BANCORP的营收复合增速更高（5.6% vs -12.3%）
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。
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FBP vs ROCK — 直观对比
营收规模更大
FBP
是对方的1.1倍
$225.0M
营收增速更快
ROCK
高出18.4%
6.5%
自由现金流更多
FBP
多$77.0M
$26.2M
两年增速更快
FBP
近两年复合增速
-12.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $257.2M | $225.0M |
| 净利润 | $87.1M | — |
| 毛利率 | — | 25.3% |
| 营业利润率 | 41.7% | 7.9% |
| 净利率 | 33.9% | — |
| 营收同比 | 6.5% | 24.9% |
| 净利润同比 | 15.1% | — |
| 每股收益（稀释后） | $0.55 | — |
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FBPROCK
| Q4 25 | $257.2M | $225.0M | ||
| Q3 25 | $248.7M | $310.9M | ||
| Q2 25 | $246.8M | $309.5M | ||
| Q1 25 | $248.1M | $290.0M | ||
| Q4 24 | $241.5M | $180.1M | ||
| Q3 24 | $234.6M | $277.1M | ||
| Q2 24 | $231.7M | $273.6M | ||
| Q1 24 | $230.5M | $292.5M |
净利润FBPROCK
| Q4 25 | $87.1M | — | ||
| Q3 25 | $100.5M | $-89.1M | ||
| Q2 25 | $80.2M | $26.0M | ||
| Q1 25 | $77.1M | $21.1M | ||
| Q4 24 | $75.7M | — | ||
| Q3 24 | $73.7M | $34.0M | ||
| Q2 24 | $75.8M | $32.2M | ||
| Q1 24 | $73.5M | $24.9M |
毛利率FBPROCK
| 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FBPROCK
| Q4 25 | 41.7% | 7.9% | ||
| Q3 25 | 42.7% | 12.8% | ||
| Q2 25 | 41.7% | 12.8% | ||
| Q1 25 | 40.4% | 8.8% | ||
| Q4 24 | 39.8% | 13.3% | ||
| Q3 24 | 41.1% | 15.6% | ||
| Q2 24 | 43.8% | 14.9% | ||
| Q1 24 | 42.3% | 10.8% |
净利率FBPROCK
| Q4 25 | 33.9% | — | ||
| Q3 25 | 40.4% | -28.6% | ||
| Q2 25 | 32.5% | 8.4% | ||
| Q1 25 | 31.1% | 7.3% | ||
| Q4 24 | 31.4% | — | ||
| Q3 24 | 31.4% | 12.3% | ||
| Q2 24 | 32.7% | 11.8% | ||
| Q1 24 | 31.9% | 8.5% |
每股收益（稀释后）FBPROCK
| Q4 25 | $0.55 | — | ||
| Q3 25 | $0.63 | $-2.98 | ||
| Q2 25 | $0.50 | $0.87 | ||
| Q1 25 | $0.47 | — | ||
| Q4 24 | $0.46 | — | ||
| Q3 24 | $0.45 | $1.11 | ||
| Q2 24 | $0.46 | $1.05 | ||
| Q1 24 | $0.44 | — |
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 | — | $115.7M |
| 总债务越低越好 | $290.0M | $0 |
| 股东权益账面价值 | $2.0B | $950.4M |
| 总资产 | $19.1B | $1.4B |
| 负债/权益比越低杠杆越低 | 0.15× | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资FBPROCK
| Q4 25 | — | $115.7M | ||
| Q3 25 | — | $89.4M | ||
| Q2 25 | — | $43.3M | ||
| Q1 25 | — | $25.1M | ||
| Q4 24 | — | $269.5M | ||
| Q3 24 | — | $228.9M | ||
| Q2 24 | — | $179.1M | ||
| Q1 24 | — | $146.7M |
总债务FBPROCK
| Q4 25 | $290.0M | $0 | ||
| Q3 25 | $290.0M | $0 | ||
| Q2 25 | $320.0M | $0 | ||
| Q1 25 | $331.1M | $0 | ||
| Q4 24 | $561.7M | $0 | ||
| Q3 24 | — | $0 | ||
| Q2 24 | — | $0 | ||
| Q1 24 | — | $0 |
股东权益FBPROCK
| Q4 25 | $2.0B | $950.4M | ||
| Q3 25 | $1.9B | $951.8M | ||
| Q2 25 | $1.8B | $1.0B | ||
| Q1 25 | $1.8B | $1.0B | ||
| Q4 24 | $1.7B | $1.0B | ||
| Q3 24 | $1.7B | $1.0B | ||
| Q2 24 | $1.5B | $975.7M | ||
| Q1 24 | $1.5B | $940.2M |
总资产FBPROCK
| Q4 25 | $19.1B | $1.4B | ||
| Q3 25 | $19.3B | $1.4B | ||
| Q2 25 | $18.9B | $1.5B | ||
| Q1 25 | $19.1B | $1.4B | ||
| Q4 24 | $19.3B | $1.4B | ||
| Q3 24 | $18.9B | $1.4B | ||
| Q2 24 | $18.9B | $1.4B | ||
| Q1 24 | $18.9B | $1.3B |
负债/权益比FBPROCK
| Q4 25 | 0.15× | 0.00× | ||
| Q3 25 | 0.15× | 0.00× | ||
| Q2 25 | 0.17× | 0.00× | ||
| Q1 25 | 0.19× | 0.00× | ||
| Q4 24 | 0.34× | 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 | $107.3M | $35.5M |
| 自由现金流经营现金流 - 资本支出 | $103.2M | $26.2M |
| 自由现金流率自由现金流/营收 | 40.1% | 11.7% |
| 资本支出强度资本支出/营收 | 1.6% | 4.1% |
| 现金转化率经营现金流/净利润 | 1.23× | — |
| 过去12个月自由现金流最近4个季度 | $437.5M | $120.6M |
8季度趋势，按日历期对齐
经营现金流FBPROCK
| Q4 25 | $107.3M | $35.5M | ||
| Q3 25 | $137.6M | $73.0M | ||
| Q2 25 | $95.4M | $44.9M | ||
| Q1 25 | $108.2M | $13.7M | ||
| Q4 24 | $96.8M | $19.9M | ||
| Q3 24 | $118.0M | $64.7M | ||
| Q2 24 | $71.1M | $36.5M | ||
| Q1 24 | $118.2M | $53.2M |
自由现金流FBPROCK
| Q4 25 | $103.2M | $26.2M | ||
| Q3 25 | $134.8M | $64.8M | ||
| Q2 25 | $92.8M | $27.3M | ||
| Q1 25 | $106.7M | $2.3M | ||
| Q4 24 | $95.2M | $14.1M | ||
| Q3 24 | $115.4M | $60.5M | ||
| Q2 24 | $69.4M | $33.5M | ||
| Q1 24 | $114.1M | $48.8M |
自由现金流率FBPROCK
| Q4 25 | 40.1% | 11.7% | ||
| Q3 25 | 54.2% | 20.8% | ||
| Q2 25 | 37.6% | 8.8% | ||
| Q1 25 | 43.0% | 0.8% | ||
| Q4 24 | 39.4% | 7.8% | ||
| Q3 24 | 49.2% | 21.8% | ||
| Q2 24 | 30.0% | 12.2% | ||
| Q1 24 | 49.5% | 16.7% |
资本支出强度FBPROCK
| Q4 25 | 1.6% | 4.1% | ||
| Q3 25 | 1.2% | 2.6% | ||
| Q2 25 | 1.1% | 5.7% | ||
| Q1 25 | 0.6% | 3.9% | ||
| Q4 24 | 0.7% | 3.3% | ||
| Q3 24 | 1.1% | 1.5% | ||
| Q2 24 | 0.7% | 1.1% | ||
| Q1 24 | 1.8% | 1.5% |
现金转化率FBPROCK
| Q4 25 | 1.23× | — | ||
| Q3 25 | 1.37× | — | ||
| Q2 25 | 1.19× | 1.73× | ||
| Q1 25 | 1.40× | 0.65× | ||
| Q4 24 | 1.28× | — | ||
| Q3 24 | 1.60× | 1.90× | ||
| Q2 24 | 0.94× | 1.13× | ||
| Q1 24 | 1.61× | 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
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% |
ROCK
| Transferred At Point In Time | $183.5M | 82% |
| Infrastructure | $22.5M | 10% |
| Other | $18.9M | 8% |
