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INDEPENDENT BANK CORP（INDB）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
INDEPENDENT BANK CORP的季度营收约是STURM RUGER & CO INC的1.4倍（$212.5M vs $151.1M），INDEPENDENT BANK CORP同比增速更快（46.9% vs 3.6%），INDEPENDENT BANK CORP自由现金流更多（$75.5M vs $12.3M），过去两年INDEPENDENT BANK CORP的营收复合增速更高（24.3% vs 5.1%）
Independent Bank Corp是一家总部位于美国密歇根州大急流城的商业银行，业务全部布局于密歇根州内，目前在全州范围内共设有62家实体营业网点，为当地个人及企业客户提供各类银行金融服务。
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。
INDB vs RGR — 直观对比
营收规模更大
INDB
是对方的1.4倍
$151.1M
营收增速更快
INDB
高出43.3%
3.6%
自由现金流更多
INDB
多$63.2M
$12.3M
两年增速更快
INDB
近两年复合增速
5.1%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $212.5M | $151.1M |
| 净利润 | $75.3M | — |
| 毛利率 | — | 17.8% |
| 营业利润率 | — | 2.3% |
| 净利率 | 35.5% | — |
| 营收同比 | 46.9% | 3.6% |
| 净利润同比 | 50.6% | — |
| 每股收益（稀释后） | $1.51 | $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INDBRGR
| Q4 25 | $212.5M | $151.1M | ||
| Q3 25 | $203.3M | $126.8M | ||
| Q2 25 | $147.5M | $132.5M | ||
| Q1 25 | $145.5M | $135.7M | ||
| Q4 24 | $144.7M | $145.8M | ||
| Q3 24 | $141.7M | $122.3M | ||
| Q2 24 | $137.9M | $130.8M | ||
| Q1 24 | $137.4M | $136.8M |
净利润INDBRGR
| Q4 25 | $75.3M | — | ||
| Q3 25 | $34.3M | $1.6M | ||
| Q2 25 | $51.1M | $-17.2M | ||
| Q1 25 | $44.4M | $7.8M | ||
| Q4 24 | $50.0M | — | ||
| Q3 24 | $42.9M | $4.7M | ||
| Q2 24 | $51.3M | $8.3M | ||
| Q1 24 | $47.8M | $7.1M |
毛利率INDBRGR
| 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INDBRGR
| Q4 25 | — | 2.3% | ||
| Q3 25 | 21.8% | -2.7% | ||
| Q2 25 | 44.6% | -15.6% | ||
| Q1 25 | 39.3% | 6.2% | ||
| Q4 24 | — | 7.8% | ||
| Q3 24 | 39.0% | 3.1% | ||
| Q2 24 | 48.1% | 6.9% | ||
| Q1 24 | 45.5% | 5.5% |
净利率INDBRGR
| Q4 25 | 35.5% | — | ||
| Q3 25 | 16.8% | 1.2% | ||
| Q2 25 | 34.6% | -13.0% | ||
| Q1 25 | 30.5% | 5.7% | ||
| Q4 24 | 34.6% | — | ||
| Q3 24 | 30.3% | 3.9% | ||
| Q2 24 | 37.2% | 6.3% | ||
| Q1 24 | 34.8% | 5.2% |
每股收益（稀释后）INDBRGR
| Q4 25 | $1.51 | $0.22 | ||
| Q3 25 | $0.69 | $0.10 | ||
| Q2 25 | $1.20 | $-1.05 | ||
| Q1 25 | $1.04 | $0.46 | ||
| Q4 24 | $1.18 | $0.62 | ||
| Q3 24 | $1.01 | $0.28 | ||
| Q2 24 | $1.21 | $0.47 | ||
| Q1 24 | $1.12 | $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 | — | $92.5M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $3.6B | $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INDBRGR
| Q4 25 | — | $92.5M | ||
| Q3 25 | — | $80.8M | ||
| Q2 25 | — | $101.4M | ||
| Q1 25 | — | $108.3M | ||
| Q4 24 | — | $105.5M | ||
| Q3 24 | — | $96.0M | ||
| Q2 24 | — | $105.6M | ||
| Q1 24 | — | $115.3M |
股东权益INDBRGR
| Q4 25 | $3.6B | $283.8M | ||
| Q3 25 | $3.5B | $279.6M | ||
| Q2 25 | $3.1B | $289.3M | ||
| Q1 25 | $3.0B | $321.5M | ||
| Q4 24 | $3.0B | $319.6M | ||
| Q3 24 | $3.0B | $314.9M | ||
| Q2 24 | $2.9B | $321.5M | ||
| Q1 24 | $2.9B | $332.0M |
总资产INDBRGR
| Q4 25 | $24.9B | $342.0M | ||
| Q3 25 | $25.0B | $342.3M | ||
| Q2 25 | $20.0B | $349.5M | ||
| Q1 25 | $19.9B | $379.0M | ||
| Q4 24 | $19.4B | $384.0M | ||
| Q3 24 | $19.4B | $373.5M | ||
| Q2 24 | $19.4B | $376.7M | ||
| Q1 24 | $19.3B | $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 | $78.9M | $15.5M |
| 自由现金流经营现金流 - 资本支出 | $75.5M | $12.3M |
| 自由现金流率自由现金流/营收 | 35.5% | 8.2% |
| 资本支出强度资本支出/营收 | 1.6% | 2.1% |
| 现金转化率经营现金流/净利润 | 1.05× | — |
| 过去12个月自由现金流最近4个季度 | $239.0M | $38.5M |
8季度趋势，按日历期对齐
经营现金流INDBRGR
| Q4 25 | $78.9M | $15.5M | ||
| Q3 25 | $52.2M | $12.9M | ||
| Q2 25 | $106.7M | $14.7M | ||
| Q1 25 | $13.3M | $11.1M | ||
| Q4 24 | $42.9M | $20.0M | ||
| Q3 24 | $70.2M | $9.4M | ||
| Q2 24 | $65.6M | $18.7M | ||
| Q1 24 | $51.1M | $7.3M |
自由现金流INDBRGR
| Q4 25 | $75.5M | $12.3M | ||
| Q3 25 | $49.7M | $7.0M | ||
| Q2 25 | $102.5M | $9.1M | ||
| Q1 25 | $11.3M | $10.0M | ||
| Q4 24 | $36.5M | $16.4M | ||
| Q3 24 | $64.4M | $2.6M | ||
| Q2 24 | $61.9M | $10.1M | ||
| Q1 24 | $46.7M | $5.6M |
自由现金流率INDBRGR
| Q4 25 | 35.5% | 8.2% | ||
| Q3 25 | 24.4% | 5.5% | ||
| Q2 25 | 69.5% | 6.9% | ||
| Q1 25 | 7.8% | 7.4% | ||
| Q4 24 | 25.2% | 11.2% | ||
| Q3 24 | 45.4% | 2.1% | ||
| Q2 24 | 44.9% | 7.7% | ||
| Q1 24 | 34.0% | 4.1% |
资本支出强度INDBRGR
| Q4 25 | 1.6% | 2.1% | ||
| Q3 25 | 1.2% | 4.6% | ||
| Q2 25 | 2.9% | 4.2% | ||
| Q1 25 | 1.4% | 0.8% | ||
| Q4 24 | 4.4% | 2.5% | ||
| Q3 24 | 4.1% | 5.5% | ||
| Q2 24 | 2.7% | 6.6% | ||
| Q1 24 | 3.2% | 1.3% |
现金转化率INDBRGR
| Q4 25 | 1.05× | — | ||
| Q3 25 | 1.52× | 8.15× | ||
| Q2 25 | 2.09× | — | ||
| Q1 25 | 0.30× | 1.43× | ||
| Q4 24 | 0.86× | — | ||
| Q3 24 | 1.64× | 1.98× | ||
| Q2 24 | 1.28× | 2.27× | ||
| Q1 24 | 1.07× | 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
INDB
暂无分部数据
RGR
| Firearms | $150.6M | 100% |
| Castings | $7.3M | 5% |
