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Merchants Bancorp（MBIN）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Merchants Bancorp的1.3倍（$225.0M vs $175.2M），过去两年Merchants Bancorp的营收复合增速更高（4.8% vs -12.3%）
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。
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。
MBIN vs ROCK — 直观对比
营收规模更大
ROCK
是对方的1.3倍
$175.2M
两年增速更快
MBIN
近两年复合增速
-12.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $175.2M | $225.0M |
| 净利润 | $67.7M | — |
| 毛利率 | — | 25.3% |
| 营业利润率 | — | 7.9% |
| 净利率 | 38.6% | — |
| 营收同比 | — | 24.9% |
| 净利润同比 | 16.3% | — |
| 每股收益（稀释后） | $1.25 | — |
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MBINROCK
| Q1 26 | $175.2M | — | ||
| Q4 25 | $185.3M | $225.0M | ||
| Q3 25 | $171.1M | $310.9M | ||
| Q2 25 | $179.2M | $309.5M | ||
| Q1 25 | $145.9M | $290.0M | ||
| Q4 24 | $193.8M | $180.1M | ||
| Q3 24 | $149.6M | $277.1M | ||
| Q2 24 | $159.5M | $273.6M |
净利润MBINROCK
| Q1 26 | $67.7M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $54.7M | $-89.1M | ||
| Q2 25 | $38.0M | $26.0M | ||
| Q1 25 | $58.2M | $21.1M | ||
| Q4 24 | — | — | ||
| Q3 24 | $61.3M | $34.0M | ||
| Q2 24 | $76.4M | $32.2M |
毛利率MBINROCK
| 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MBINROCK
| Q1 26 | — | — | ||
| Q4 25 | 39.9% | 7.9% | ||
| Q3 25 | 37.8% | 12.8% | ||
| Q2 25 | 27.3% | 12.8% | ||
| Q1 25 | 52.4% | 8.8% | ||
| Q4 24 | 66.0% | 13.3% | ||
| Q3 24 | 54.4% | 15.6% | ||
| Q2 24 | 62.2% | 14.9% |
净利率MBINROCK
| Q1 26 | 38.6% | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 32.0% | -28.6% | ||
| Q2 25 | 21.2% | 8.4% | ||
| Q1 25 | 39.9% | 7.3% | ||
| Q4 24 | — | — | ||
| Q3 24 | 41.0% | 12.3% | ||
| Q2 24 | 47.9% | 11.8% |
每股收益（稀释后）MBINROCK
| Q1 26 | $1.25 | — | ||
| Q4 25 | $1.28 | — | ||
| Q3 25 | $0.97 | $-2.98 | ||
| Q2 25 | $0.60 | $0.87 | ||
| Q1 25 | $0.93 | — | ||
| Q4 24 | $1.84 | — | ||
| Q3 24 | $1.17 | $1.11 | ||
| Q2 24 | $1.49 | $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 | $83.2M | $115.7M |
| 总债务越低越好 | $32.0M | $0 |
| 股东权益账面价值 | $2.3B | $950.4M |
| 总资产 | $20.3B | $1.4B |
| 负债/权益比越低杠杆越低 | 0.01× | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资MBINROCK
| Q1 26 | $83.2M | — | ||
| 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MBINROCK
| Q1 26 | $32.0M | — | ||
| 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MBINROCK
| Q1 26 | $2.3B | — | ||
| Q4 25 | $2.3B | $950.4M | ||
| Q3 25 | $2.2B | $951.8M | ||
| Q2 25 | $2.2B | $1.0B | ||
| Q1 25 | $2.2B | $1.0B | ||
| Q4 24 | $2.2B | $1.0B | ||
| Q3 24 | $1.9B | $1.0B | ||
| Q2 24 | $1.9B | $975.7M |
总资产MBINROCK
| Q1 26 | $20.3B | — | ||
| Q4 25 | $19.4B | $1.4B | ||
| Q3 25 | $19.4B | $1.4B | ||
| Q2 25 | $19.1B | $1.5B | ||
| Q1 25 | $18.8B | $1.4B | ||
| Q4 24 | $18.8B | $1.4B | ||
| Q3 24 | $18.7B | $1.4B | ||
| Q2 24 | $18.2B | $1.4B |
负债/权益比MBINROCK
| Q1 26 | 0.01× | — | ||
| 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MBINROCK
| Q1 26 | — | — | ||
| Q4 25 | $-341.2M | $35.5M | ||
| Q3 25 | $29.8M | $73.0M | ||
| Q2 25 | $-121.2M | $44.9M | ||
| Q1 25 | $148.0M | $13.7M | ||
| Q4 24 | $-835.3M | $19.9M | ||
| Q3 24 | $-492.6M | $64.7M | ||
| Q2 24 | $51.1M | $36.5M |
自由现金流MBINROCK
| Q1 26 | — | — | ||
| Q4 25 | $-362.2M | $26.2M | ||
| Q3 25 | $24.0M | $64.8M | ||
| Q2 25 | $-125.7M | $27.3M | ||
| Q1 25 | $141.2M | $2.3M | ||
| Q4 24 | $-853.7M | $14.1M | ||
| Q3 24 | $-497.2M | $60.5M | ||
| Q2 24 | $45.8M | $33.5M |
自由现金流率MBINROCK
| Q1 26 | — | — | ||
| Q4 25 | -195.5% | 11.7% | ||
| Q3 25 | 14.0% | 20.8% | ||
| Q2 25 | -70.1% | 8.8% | ||
| Q1 25 | 96.8% | 0.8% | ||
| Q4 24 | -440.6% | 7.8% | ||
| Q3 24 | -332.4% | 21.8% | ||
| Q2 24 | 28.7% | 12.2% |
资本支出强度MBINROCK
| Q1 26 | — | — | ||
| Q4 25 | 11.3% | 4.1% | ||
| Q3 25 | 3.4% | 2.6% | ||
| Q2 25 | 2.5% | 5.7% | ||
| Q1 25 | 4.7% | 3.9% | ||
| Q4 24 | 9.5% | 3.3% | ||
| Q3 24 | 3.0% | 1.5% | ||
| Q2 24 | 3.3% | 1.1% |
现金转化率MBINROCK
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 0.54× | — | ||
| Q2 25 | -3.19× | 1.73× | ||
| Q1 25 | 2.54× | 0.65× | ||
| Q4 24 | — | — | ||
| Q3 24 | -8.04× | 1.90× | ||
| Q2 24 | 0.67× | 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
MBIN
| Net Interest Income | $128.6M | 73% |
| Noninterest Income | $46.6M | 27% |
ROCK
| Transferred At Point In Time | $183.5M | 82% |
| Infrastructure | $22.5M | 10% |
| Other | $18.9M | 8% |
