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FIRST FINANCIAL BANCORP（FFBC）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 FINANCIAL BANCORP的季度营收约是GIBRALTAR INDUSTRIES, INC.的1.2倍（$271.5M vs $225.0M），过去两年FIRST FINANCIAL BANCORP的营收复合增速更高（12.4% vs -12.3%）
第一金融银行集团是总部位于美国俄亥俄州辛辛那提的区域性银行，运营中心设于辛辛那提北郊斯普林代尔及印第安纳州格林斯堡。该行成立于1863年，拥有美国第六悠久的国家银行牌照，在俄亥俄、印第安纳、肯塔基、伊利诺伊四州共设有131个营业网点，2009年9月曾在政府协助下收购欧文金融公司及其子公司。
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。
FFBC vs ROCK — 直观对比
营收规模更大
FFBC
是对方的1.2倍
$225.0M
两年增速更快
FFBC
近两年复合增速
-12.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $271.5M | $225.0M |
| 净利润 | $74.4M | — |
| 毛利率 | — | 25.3% |
| 营业利润率 | — | 7.9% |
| 净利率 | 27.4% | — |
| 营收同比 | — | 24.9% |
| 净利润同比 | — | — |
| 每股收益（稀释后） | $0.71 | — |
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FFBCROCK
| Q1 26 | $271.5M | — | ||
| Q4 25 | $238.8M | $225.0M | ||
| Q3 25 | $234.0M | $310.9M | ||
| Q2 25 | $226.3M | $309.5M | ||
| Q1 25 | $200.4M | $290.0M | ||
| Q4 24 | $224.3M | $180.1M | ||
| Q3 24 | $201.3M | $277.1M | ||
| Q2 24 | $214.8M | $273.6M |
净利润FFBCROCK
| Q1 26 | $74.4M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $71.9M | $-89.1M | ||
| Q2 25 | $70.0M | $26.0M | ||
| Q1 25 | $51.3M | $21.1M | ||
| Q4 24 | — | — | ||
| Q3 24 | $52.5M | $34.0M | ||
| Q2 24 | $60.8M | $32.2M |
毛利率FFBCROCK
| Q1 26 | — | — | ||
| 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% |
营业利润率FFBCROCK
| Q1 26 | — | — | ||
| Q4 25 | — | 7.9% | ||
| Q3 25 | 38.7% | 12.8% | ||
| Q2 25 | 38.8% | 12.8% | ||
| Q1 25 | 31.7% | 8.8% | ||
| Q4 24 | — | 13.3% | ||
| Q3 24 | 32.2% | 15.6% | ||
| Q2 24 | 34.8% | 14.9% |
净利率FFBCROCK
| Q1 26 | 27.4% | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 30.7% | -28.6% | ||
| Q2 25 | 30.9% | 8.4% | ||
| Q1 25 | 25.6% | 7.3% | ||
| Q4 24 | — | — | ||
| Q3 24 | 26.1% | 12.3% | ||
| Q2 24 | 28.3% | 11.8% |
每股收益（稀释后）FFBCROCK
| Q1 26 | $0.71 | — | ||
| Q4 25 | $0.64 | — | ||
| Q3 25 | $0.75 | $-2.98 | ||
| Q2 25 | $0.73 | $0.87 | ||
| Q1 25 | $0.54 | — | ||
| Q4 24 | $0.68 | — | ||
| Q3 24 | $0.55 | $1.11 | ||
| Q2 24 | $0.64 | $1.05 |
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 | $13.1M | $0 |
| 股东权益账面价值 | $2.9B | $950.4M |
| 总资产 | $22.5B | $1.4B |
| 负债/权益比越低杠杆越低 | 0.00× | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资FFBCROCK
| Q1 26 | — | — | ||
| 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 |
总债务FFBCROCK
| Q1 26 | $13.1M | — | ||
| Q4 25 | $514.1M | $0 | ||
| Q3 25 | $221.8M | $0 | ||
| Q2 25 | $345.0M | $0 | ||
| Q1 25 | $345.9M | $0 | ||
| Q4 24 | $347.5M | $0 | ||
| Q3 24 | $344.1M | $0 | ||
| Q2 24 | $338.6M | $0 |
股东权益FFBCROCK
| Q1 26 | $2.9B | — | ||
| Q4 25 | $2.8B | $950.4M | ||
| Q3 25 | $2.6B | $951.8M | ||
| Q2 25 | $2.6B | $1.0B | ||
| Q1 25 | $2.5B | $1.0B | ||
| Q4 24 | $2.4B | $1.0B | ||
| Q3 24 | $2.5B | $1.0B | ||
| Q2 24 | $2.3B | $975.7M |
总资产FFBCROCK
| Q1 26 | $22.5B | — | ||
| Q4 25 | $21.1B | $1.4B | ||
| Q3 25 | $18.6B | $1.4B | ||
| Q2 25 | $18.6B | $1.5B | ||
| Q1 25 | $18.5B | $1.4B | ||
| Q4 24 | $18.6B | $1.4B | ||
| Q3 24 | $18.1B | $1.4B | ||
| Q2 24 | $18.2B | $1.4B |
负债/权益比FFBCROCK
| Q1 26 | 0.00× | — | ||
| Q4 25 | 0.19× | 0.00× | ||
| Q3 25 | 0.08× | 0.00× | ||
| Q2 25 | 0.13× | 0.00× | ||
| Q1 25 | 0.14× | 0.00× | ||
| Q4 24 | 0.14× | 0.00× | ||
| Q3 24 | 0.14× | 0.00× | ||
| Q2 24 | 0.15× | 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 | — | $35.5M |
| 自由现金流经营现金流 - 资本支出 | — | $26.2M |
| 自由现金流率自由现金流/营收 | — | 11.7% |
| 资本支出强度资本支出/营收 | — | 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 | — | $120.6M |
8季度趋势，按日历期对齐
经营现金流FFBCROCK
| Q1 26 | — | — | ||
| Q4 25 | $337.9M | $35.5M | ||
| Q3 25 | $89.8M | $73.0M | ||
| Q2 25 | $69.8M | $44.9M | ||
| Q1 25 | $56.1M | $13.7M | ||
| Q4 24 | $262.2M | $19.9M | ||
| Q3 24 | $88.1M | $64.7M | ||
| Q2 24 | $68.1M | $36.5M |
自由现金流FFBCROCK
| Q1 26 | — | — | ||
| Q4 25 | $317.1M | $26.2M | ||
| Q3 25 | $85.8M | $64.8M | ||
| Q2 25 | $64.8M | $27.3M | ||
| Q1 25 | $52.4M | $2.3M | ||
| Q4 24 | $241.1M | $14.1M | ||
| Q3 24 | $84.4M | $60.5M | ||
| Q2 24 | $64.8M | $33.5M |
自由现金流率FFBCROCK
| Q1 26 | — | — | ||
| Q4 25 | 132.8% | 11.7% | ||
| Q3 25 | 36.7% | 20.8% | ||
| Q2 25 | 28.6% | 8.8% | ||
| Q1 25 | 26.1% | 0.8% | ||
| Q4 24 | 107.5% | 7.8% | ||
| Q3 24 | 42.0% | 21.8% | ||
| Q2 24 | 30.2% | 12.2% |
资本支出强度FFBCROCK
| Q1 26 | — | — | ||
| Q4 25 | 8.7% | 4.1% | ||
| Q3 25 | 1.7% | 2.6% | ||
| Q2 25 | 2.2% | 5.7% | ||
| Q1 25 | 1.9% | 3.9% | ||
| Q4 24 | 9.4% | 3.3% | ||
| Q3 24 | 1.8% | 1.5% | ||
| Q2 24 | 1.5% | 1.1% |
现金转化率FFBCROCK
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 1.25× | — | ||
| Q2 25 | 1.00× | 1.73× | ||
| Q1 25 | 1.09× | 0.65× | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.68× | 1.90× | ||
| Q2 24 | 1.12× | 1.13× |
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
FFBC
| Net Interest Income | $189.6M | 70% |
| Noninterest Income | $81.9M | 30% |
ROCK
| Transferred At Point In Time | $183.5M | 82% |
| Infrastructure | $22.5M | 10% |
| Other | $18.9M | 8% |
