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Merchants Bancorp（MBIN）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
Merchants Bancorp的季度营收约是STURM RUGER & CO INC的1.2倍（$175.2M vs $151.1M），过去两年STURM RUGER & CO INC的营收复合增速更高（5.1% vs 4.8%）
Ameris Bancorp是总部位于美国佐治亚州亚特兰大的银行控股企业，旗下设有Ameris Bank子公司，在佐治亚州、阿拉巴马州、佛罗里达州、北卡罗来纳州、南卡罗来纳州运营全服务网点，同时在上述五州及弗吉尼亚州、马里兰州、田纳西州设立仅办理抵押贷款业务的网点，为个人和企业客户提供线上及移动端银行服务。
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。
MBIN vs RGR — 直观对比
营收规模更大
MBIN
是对方的1.2倍
$151.1M
两年增速更快
RGR
近两年复合增速
4.8%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $175.2M | $151.1M |
| 净利润 | $67.7M | — |
| 毛利率 | — | 17.8% |
| 营业利润率 | — | 2.3% |
| 净利率 | 38.6% | — |
| 营收同比 | — | 3.6% |
| 净利润同比 | 16.3% | — |
| 每股收益（稀释后） | $1.25 | $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MBINRGR
| Q1 26 | $175.2M | — | ||
| Q4 25 | $185.3M | $151.1M | ||
| Q3 25 | $171.1M | $126.8M | ||
| Q2 25 | $179.2M | $132.5M | ||
| Q1 25 | $145.9M | $135.7M | ||
| Q4 24 | $193.8M | $145.8M | ||
| Q3 24 | $149.6M | $122.3M | ||
| Q2 24 | $159.5M | $130.8M |
净利润MBINRGR
| Q1 26 | $67.7M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $54.7M | $1.6M | ||
| Q2 25 | $38.0M | $-17.2M | ||
| Q1 25 | $58.2M | $7.8M | ||
| Q4 24 | — | — | ||
| Q3 24 | $61.3M | $4.7M | ||
| Q2 24 | $76.4M | $8.3M |
毛利率MBINRGR
| Q1 26 | — | — | ||
| 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% |
营业利润率MBINRGR
| Q1 26 | — | — | ||
| Q4 25 | 39.9% | 2.3% | ||
| Q3 25 | 37.8% | -2.7% | ||
| Q2 25 | 27.3% | -15.6% | ||
| Q1 25 | 52.4% | 6.2% | ||
| Q4 24 | 66.0% | 7.8% | ||
| Q3 24 | 54.4% | 3.1% | ||
| Q2 24 | 62.2% | 6.9% |
净利率MBINRGR
| Q1 26 | 38.6% | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 32.0% | 1.2% | ||
| Q2 25 | 21.2% | -13.0% | ||
| Q1 25 | 39.9% | 5.7% | ||
| Q4 24 | — | — | ||
| Q3 24 | 41.0% | 3.9% | ||
| Q2 24 | 47.9% | 6.3% |
每股收益（稀释后）MBINRGR
| Q1 26 | $1.25 | — | ||
| Q4 25 | $1.28 | $0.22 | ||
| Q3 25 | $0.97 | $0.10 | ||
| Q2 25 | $0.60 | $-1.05 | ||
| Q1 25 | $0.93 | $0.46 | ||
| Q4 24 | $1.84 | $0.62 | ||
| Q3 24 | $1.17 | $0.28 | ||
| Q2 24 | $1.49 | $0.47 |
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 | $83.2M | $92.5M |
| 总债务越低越好 | $32.0M | — |
| 股东权益账面价值 | $2.3B | $283.8M |
| 总资产 | $20.3B | $342.0M |
| 负债/权益比越低杠杆越低 | 0.01× | — |
8季度趋势，按日历期对齐
现金及短期投资MBINRGR
| Q1 26 | $83.2M | — | ||
| 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 |
总债务MBINRGR
| Q1 26 | $32.0M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益MBINRGR
| Q1 26 | $2.3B | — | ||
| Q4 25 | $2.3B | $283.8M | ||
| Q3 25 | $2.2B | $279.6M | ||
| Q2 25 | $2.2B | $289.3M | ||
| Q1 25 | $2.2B | $321.5M | ||
| Q4 24 | $2.2B | $319.6M | ||
| Q3 24 | $1.9B | $314.9M | ||
| Q2 24 | $1.9B | $321.5M |
总资产MBINRGR
| Q1 26 | $20.3B | — | ||
| Q4 25 | $19.4B | $342.0M | ||
| Q3 25 | $19.4B | $342.3M | ||
| Q2 25 | $19.1B | $349.5M | ||
| Q1 25 | $18.8B | $379.0M | ||
| Q4 24 | $18.8B | $384.0M | ||
| Q3 24 | $18.7B | $373.5M | ||
| Q2 24 | $18.2B | $376.7M |
负债/权益比MBINRGR
| Q1 26 | 0.01× | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | — | $15.5M |
| 自由现金流经营现金流 - 资本支出 | — | $12.3M |
| 自由现金流率自由现金流/营收 | — | 8.2% |
| 资本支出强度资本支出/营收 | — | 2.1% |
| 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 | — | $38.5M |
8季度趋势，按日历期对齐
经营现金流MBINRGR
| Q1 26 | — | — | ||
| Q4 25 | $-341.2M | $15.5M | ||
| Q3 25 | $29.8M | $12.9M | ||
| Q2 25 | $-121.2M | $14.7M | ||
| Q1 25 | $148.0M | $11.1M | ||
| Q4 24 | $-835.3M | $20.0M | ||
| Q3 24 | $-492.6M | $9.4M | ||
| Q2 24 | $51.1M | $18.7M |
自由现金流MBINRGR
| Q1 26 | — | — | ||
| Q4 25 | $-362.2M | $12.3M | ||
| Q3 25 | $24.0M | $7.0M | ||
| Q2 25 | $-125.7M | $9.1M | ||
| Q1 25 | $141.2M | $10.0M | ||
| Q4 24 | $-853.7M | $16.4M | ||
| Q3 24 | $-497.2M | $2.6M | ||
| Q2 24 | $45.8M | $10.1M |
自由现金流率MBINRGR
| Q1 26 | — | — | ||
| Q4 25 | -195.5% | 8.2% | ||
| Q3 25 | 14.0% | 5.5% | ||
| Q2 25 | -70.1% | 6.9% | ||
| Q1 25 | 96.8% | 7.4% | ||
| Q4 24 | -440.6% | 11.2% | ||
| Q3 24 | -332.4% | 2.1% | ||
| Q2 24 | 28.7% | 7.7% |
资本支出强度MBINRGR
| Q1 26 | — | — | ||
| Q4 25 | 11.3% | 2.1% | ||
| Q3 25 | 3.4% | 4.6% | ||
| Q2 25 | 2.5% | 4.2% | ||
| Q1 25 | 4.7% | 0.8% | ||
| Q4 24 | 9.5% | 2.5% | ||
| Q3 24 | 3.0% | 5.5% | ||
| Q2 24 | 3.3% | 6.6% |
现金转化率MBINRGR
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 0.54× | 8.15× | ||
| Q2 25 | -3.19× | — | ||
| Q1 25 | 2.54× | 1.43× | ||
| Q4 24 | — | — | ||
| Q3 24 | -8.04× | 1.98× | ||
| Q2 24 | 0.67× | 2.27× |
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
MBIN
| Net Interest Income | $128.6M | 73% |
| Noninterest Income | $46.6M | 27% |
RGR
| Firearms | $150.6M | 100% |
| Castings | $7.3M | 5% |
