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NBT BANCORP INC（NBTB）与LiveRamp Holdings, Inc.（RAMP）财务数据对比。点击上方公司名可切换其他公司
LiveRamp Holdings, Inc.的季度营收约是NBT BANCORP INC的1.2倍（$212.2M vs $184.5M），NBT BANCORP INC净利率更高（27.7% vs 18.8%，领先8.9%），过去两年NBT BANCORP INC的营收复合增速更高（14.6% vs 11.1%）
NBT银行是美国的金融机构，旗下设有176个营业网点，分布于纽约、宾夕法尼亚、佛蒙特、马萨诸塞、新罕布什尔、缅因及康涅狄格州。其母公司为NBT Bancorp Inc.，总部位于美国纽约州诺威奇，在纳斯达克全球精选市场上市，股票代码为NBTB。
LiveRamp Holdings, Inc.是一家美国SaaS企业，核心业务为提供数据连接平台，服务涵盖数据导入、线下数据线上迁移等能力，助力企业开展营销相关的数据应用，为品牌及营销从业者的数字化运营提供技术支撑。
NBTB vs RAMP — 直观对比
营收规模更大
RAMP
是对方的1.2倍
$184.5M
净利率更高
NBTB
高出8.9%
18.8%
两年增速更快
NBTB
近两年复合增速
11.1%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $184.5M | $212.2M |
| 净利润 | $51.1M | $39.9M |
| 毛利率 | — | 71.9% |
| 营业利润率 | — | 18.6% |
| 净利率 | 27.7% | 18.8% |
| 营收同比 | — | 8.6% |
| 净利润同比 | 127.2% | 255.7% |
| 每股收益（稀释后） | $0.98 | $0.62 |
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NBTBRAMP
| Q1 26 | $184.5M | — | ||
| Q4 25 | $185.1M | $212.2M | ||
| Q3 25 | $186.1M | $199.8M | ||
| Q2 25 | $171.2M | $194.8M | ||
| Q1 25 | $154.7M | $188.7M | ||
| Q4 24 | $148.5M | $195.4M | ||
| Q3 24 | $147.4M | $185.5M | ||
| Q2 24 | $140.4M | $176.0M |
净利润NBTBRAMP
| Q1 26 | $51.1M | — | ||
| Q4 25 | — | $39.9M | ||
| Q3 25 | $54.5M | $27.4M | ||
| Q2 25 | $22.5M | $7.7M | ||
| Q1 25 | $36.7M | $-6.3M | ||
| Q4 24 | — | $11.2M | ||
| Q3 24 | $38.1M | $1.7M | ||
| Q2 24 | $32.7M | $-7.5M |
毛利率NBTBRAMP
| Q1 26 | — | — | ||
| Q4 25 | — | 71.9% | ||
| Q3 25 | — | 70.2% | ||
| Q2 25 | — | 70.1% | ||
| Q1 25 | — | 69.3% | ||
| Q4 24 | — | 71.9% | ||
| Q3 24 | — | 72.4% | ||
| Q2 24 | — | 70.6% |
营业利润率NBTBRAMP
| Q1 26 | — | — | ||
| Q4 25 | 37.6% | 18.6% | ||
| Q3 25 | 38.6% | 10.7% | ||
| Q2 25 | 17.9% | 3.7% | ||
| Q1 25 | 30.5% | -6.1% | ||
| Q4 24 | 30.7% | 7.5% | ||
| Q3 24 | 33.1% | 4.0% | ||
| Q2 24 | 29.9% | -3.0% |
净利率NBTBRAMP
| Q1 26 | 27.7% | — | ||
| Q4 25 | — | 18.8% | ||
| Q3 25 | 29.3% | 13.7% | ||
| Q2 25 | 13.2% | 4.0% | ||
| Q1 25 | 23.8% | -3.3% | ||
| Q4 24 | — | 5.7% | ||
| Q3 24 | 25.8% | 0.9% | ||
| Q2 24 | 23.3% | -4.3% |
每股收益（稀释后）NBTBRAMP
| Q1 26 | $0.98 | — | ||
| Q4 25 | $1.09 | $0.62 | ||
| Q3 25 | $1.03 | $0.42 | ||
| Q2 25 | $0.44 | $0.12 | ||
| Q1 25 | $0.77 | $-0.10 | ||
| Q4 24 | $0.77 | $0.17 | ||
| Q3 24 | $0.80 | $0.03 | ||
| Q2 24 | $0.69 | $-0.11 |
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 | — | $403.4M |
| 总债务越低越好 | $160.9M | — |
| 股东权益账面价值 | $1.9B | $962.3M |
| 总资产 | $16.2B | $1.3B |
| 负债/权益比越低杠杆越低 | 0.08× | — |
8季度趋势，按日历期对齐
现金及短期投资NBTBRAMP
| Q1 26 | — | — | ||
| Q4 25 | — | $403.4M | ||
| Q3 25 | — | $376.9M | ||
| Q2 25 | — | $371.1M | ||
| Q1 25 | — | $420.8M | ||
| Q4 24 | — | $384.3M | ||
| Q3 24 | — | $348.4M | ||
| Q2 24 | — | $342.7M |
总债务NBTBRAMP
| Q1 26 | $160.9M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益NBTBRAMP
| Q1 26 | $1.9B | — | ||
| Q4 25 | $1.9B | $962.3M | ||
| Q3 25 | $1.9B | $943.8M | ||
| Q2 25 | $1.8B | $947.8M | ||
| Q1 25 | $1.6B | $948.9M | ||
| Q4 24 | $1.5B | $957.7M | ||
| Q3 24 | $1.5B | $932.1M | ||
| Q2 24 | $1.5B | $951.9M |
总资产NBTBRAMP
| Q1 26 | $16.2B | — | ||
| Q4 25 | $16.0B | $1.3B | ||
| Q3 25 | $16.1B | $1.2B | ||
| Q2 25 | $16.0B | $1.2B | ||
| Q1 25 | $13.9B | $1.3B | ||
| Q4 24 | $13.8B | $1.3B | ||
| Q3 24 | $13.8B | $1.2B | ||
| Q2 24 | $13.5B | $1.2B |
负债/权益比NBTBRAMP
| Q1 26 | 0.08× | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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
NBTB
| Net Interest Income | $134.3M | 73% |
| Noninterest Income | $50.1M | 27% |
RAMP
暂无分部数据
