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Live Oak Bancshares, Inc.（LOB）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
GIBRALTAR INDUSTRIES, INC.的季度营收约是Live Oak Bancshares, Inc.的1.5倍（$225.0M vs $145.5M），GIBRALTAR INDUSTRIES, INC.同比增速更快（24.9% vs 18.4%），过去两年Live Oak Bancshares, Inc.的营收复合增速更高（7.7% vs -12.3%）
Live Oak Bancshares, Inc.是一家美国金融控股公司，旗下子公司Live Oak Bank总部位于北卡罗来纳州威尔明顿，业务覆盖美国全部50个州，专注为小企业主提供金融服务，2022年按放贷金额计是美国SBA 7(a)贷款项目的头部放贷机构。
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。
LOB vs ROCK — 直观对比
营收规模更大
ROCK
是对方的1.5倍
$145.5M
营收增速更快
ROCK
高出6.6%
18.4%
两年增速更快
LOB
近两年复合增速
-12.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $145.5M | $225.0M |
| 净利润 | $27.9M | — |
| 毛利率 | — | 25.3% |
| 营业利润率 | — | 7.9% |
| 净利率 | 19.2% | — |
| 营收同比 | 18.4% | 24.9% |
| 净利润同比 | 187.6% | — |
| 每股收益（稀释后） | $0.60 | — |
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LOBROCK
| Q1 26 | $145.5M | — | ||
| Q4 25 | $161.9M | $225.0M | ||
| Q3 25 | $146.1M | $310.9M | ||
| Q2 25 | $143.7M | $309.5M | ||
| Q1 25 | $126.1M | $290.0M | ||
| Q4 24 | $116.9M | $180.1M | ||
| Q3 24 | $129.9M | $277.1M | ||
| Q2 24 | $125.5M | $273.6M |
净利润LOBROCK
| Q1 26 | $27.9M | — | ||
| Q4 25 | $46.2M | — | ||
| Q3 25 | $26.5M | $-89.1M | ||
| Q2 25 | $23.4M | $26.0M | ||
| Q1 25 | $9.7M | $21.1M | ||
| Q4 24 | $9.9M | — | ||
| Q3 24 | $13.0M | $34.0M | ||
| Q2 24 | $27.0M | $32.2M |
毛利率LOBROCK
| 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LOBROCK
| Q1 26 | — | — | ||
| Q4 25 | 38.2% | 7.9% | ||
| Q3 25 | 25.0% | 12.8% | ||
| Q2 25 | 21.7% | 12.8% | ||
| Q1 25 | 10.4% | 8.8% | ||
| Q4 24 | 11.3% | 13.3% | ||
| Q3 24 | 13.7% | 15.6% | ||
| Q2 24 | 28.7% | 14.9% |
净利率LOBROCK
| Q1 26 | 19.2% | — | ||
| Q4 25 | 28.5% | — | ||
| Q3 25 | 18.1% | -28.6% | ||
| Q2 25 | 16.3% | 8.4% | ||
| Q1 25 | 7.7% | 7.3% | ||
| Q4 24 | 8.5% | — | ||
| Q3 24 | 10.0% | 12.3% | ||
| Q2 24 | 21.5% | 11.8% |
每股收益（稀释后）LOBROCK
| Q1 26 | $0.60 | — | ||
| Q4 25 | $0.96 | — | ||
| Q3 25 | $0.55 | $-2.98 | ||
| Q2 25 | $0.51 | $0.87 | ||
| Q1 25 | $0.21 | — | ||
| Q4 24 | $0.22 | — | ||
| Q3 24 | $0.28 | $1.11 | ||
| Q2 24 | $0.59 | $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 | — | $0 |
| 股东权益账面价值 | $1.3B | $950.4M |
| 总资产 | $15.3B | $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LOBROCK
| 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LOBROCK
| Q1 26 | — | — | ||
| Q4 25 | — | $0 | ||
| Q3 25 | — | $0 | ||
| Q2 25 | — | $0 | ||
| Q1 25 | — | $0 | ||
| Q4 24 | — | $0 | ||
| Q3 24 | — | $0 | ||
| Q2 24 | — | $0 |
股东权益LOBROCK
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.2B | $950.4M | ||
| Q3 25 | $1.2B | $951.8M | ||
| Q2 25 | $1.1B | $1.0B | ||
| Q1 25 | $1.0B | $1.0B | ||
| Q4 24 | $999.0M | $1.0B | ||
| Q3 24 | $1.0B | $1.0B | ||
| Q2 24 | $961.0M | $975.7M |
总资产LOBROCK
| Q1 26 | $15.3B | — | ||
| Q4 25 | $15.1B | $1.4B | ||
| Q3 25 | $14.7B | $1.4B | ||
| Q2 25 | $13.8B | $1.5B | ||
| Q1 25 | $13.6B | $1.4B | ||
| Q4 24 | $12.9B | $1.4B | ||
| Q3 24 | $12.6B | $1.4B | ||
| Q2 24 | $11.9B | $1.4B |
负债/权益比LOBROCK
| Q1 26 | — | — | ||
| 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× |
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LOBROCK
| Q1 26 | — | — | ||
| Q4 25 | $158.2M | $35.5M | ||
| Q3 25 | $62.3M | $73.0M | ||
| Q2 25 | $49.2M | $44.9M | ||
| Q1 25 | $-33.0M | $13.7M | ||
| Q4 24 | $156.8M | $19.9M | ||
| Q3 24 | $47.4M | $64.7M | ||
| Q2 24 | $29.5M | $36.5M |
自由现金流LOBROCK
| Q1 26 | — | — | ||
| Q4 25 | $143.5M | $26.2M | ||
| Q3 25 | $60.6M | $64.8M | ||
| Q2 25 | $47.8M | $27.3M | ||
| Q1 25 | $-35.3M | $2.3M | ||
| Q4 24 | $107.5M | $14.1M | ||
| Q3 24 | $41.0M | $60.5M | ||
| Q2 24 | $12.3M | $33.5M |
自由现金流率LOBROCK
| Q1 26 | — | — | ||
| Q4 25 | 88.6% | 11.7% | ||
| Q3 25 | 41.4% | 20.8% | ||
| Q2 25 | 33.3% | 8.8% | ||
| Q1 25 | -28.0% | 0.8% | ||
| Q4 24 | 91.9% | 7.8% | ||
| Q3 24 | 31.6% | 21.8% | ||
| Q2 24 | 9.8% | 12.2% |
资本支出强度LOBROCK
| Q1 26 | — | — | ||
| Q4 25 | 9.1% | 4.1% | ||
| Q3 25 | 1.2% | 2.6% | ||
| Q2 25 | 1.0% | 5.7% | ||
| Q1 25 | 1.8% | 3.9% | ||
| Q4 24 | 42.2% | 3.3% | ||
| Q3 24 | 4.9% | 1.5% | ||
| Q2 24 | 13.7% | 1.1% |
现金转化率LOBROCK
| Q1 26 | — | — | ||
| Q4 25 | 3.42× | — | ||
| Q3 25 | 2.35× | — | ||
| Q2 25 | 2.10× | 1.73× | ||
| Q1 25 | -3.39× | 0.65× | ||
| Q4 24 | 15.84× | — | ||
| Q3 24 | 3.64× | 1.90× | ||
| Q2 24 | 1.10× | 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
LOB
暂无分部数据
ROCK
| Transferred At Point In Time | $183.5M | 82% |
| Infrastructure | $22.5M | 10% |
| Other | $18.9M | 8% |
