vs
NBT BANCORP INC（NBTB）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
NBT BANCORP INC的季度营收约是STURM RUGER & CO INC的1.2倍（$184.5M vs $151.1M），过去两年NBT BANCORP INC的营收复合增速更高（14.6% vs 5.1%）
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。
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。
NBTB vs RGR — 直观对比
营收规模更大
NBTB
是对方的1.2倍
$151.1M
两年增速更快
NBTB
近两年复合增速
5.1%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $184.5M | $151.1M |
| 净利润 | $51.1M | — |
| 毛利率 | — | 17.8% |
| 营业利润率 | — | 2.3% |
| 净利率 | 27.7% | — |
| 营收同比 | — | 3.6% |
| 净利润同比 | 127.2% | — |
| 每股收益（稀释后） | $0.98 | $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NBTBRGR
| Q1 26 | $184.5M | — | ||
| Q4 25 | $185.1M | $151.1M | ||
| Q3 25 | $186.1M | $126.8M | ||
| Q2 25 | $171.2M | $132.5M | ||
| Q1 25 | $154.7M | $135.7M | ||
| Q4 24 | $148.5M | $145.8M | ||
| Q3 24 | $147.4M | $122.3M | ||
| Q2 24 | $140.4M | $130.8M |
净利润NBTBRGR
| Q1 26 | $51.1M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $54.5M | $1.6M | ||
| Q2 25 | $22.5M | $-17.2M | ||
| Q1 25 | $36.7M | $7.8M | ||
| Q4 24 | — | — | ||
| Q3 24 | $38.1M | $4.7M | ||
| Q2 24 | $32.7M | $8.3M |
毛利率NBTBRGR
| 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NBTBRGR
| Q1 26 | — | — | ||
| Q4 25 | 37.6% | 2.3% | ||
| Q3 25 | 38.6% | -2.7% | ||
| Q2 25 | 17.9% | -15.6% | ||
| Q1 25 | 30.5% | 6.2% | ||
| Q4 24 | 30.7% | 7.8% | ||
| Q3 24 | 33.1% | 3.1% | ||
| Q2 24 | 29.9% | 6.9% |
净利率NBTBRGR
| Q1 26 | 27.7% | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 29.3% | 1.2% | ||
| Q2 25 | 13.2% | -13.0% | ||
| Q1 25 | 23.8% | 5.7% | ||
| Q4 24 | — | — | ||
| Q3 24 | 25.8% | 3.9% | ||
| Q2 24 | 23.3% | 6.3% |
每股收益（稀释后）NBTBRGR
| Q1 26 | $0.98 | — | ||
| Q4 25 | $1.09 | $0.22 | ||
| Q3 25 | $1.03 | $0.10 | ||
| Q2 25 | $0.44 | $-1.05 | ||
| Q1 25 | $0.77 | $0.46 | ||
| Q4 24 | $0.77 | $0.62 | ||
| Q3 24 | $0.80 | $0.28 | ||
| Q2 24 | $0.69 | $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 | — | $92.5M |
| 总债务越低越好 | $160.9M | — |
| 股东权益账面价值 | $1.9B | $283.8M |
| 总资产 | $16.2B | $342.0M |
| 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NBTBRGR
| Q1 26 | — | — | ||
| 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NBTBRGR
| Q1 26 | $160.9M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益NBTBRGR
| Q1 26 | $1.9B | — | ||
| Q4 25 | $1.9B | $283.8M | ||
| Q3 25 | $1.9B | $279.6M | ||
| Q2 25 | $1.8B | $289.3M | ||
| Q1 25 | $1.6B | $321.5M | ||
| Q4 24 | $1.5B | $319.6M | ||
| Q3 24 | $1.5B | $314.9M | ||
| Q2 24 | $1.5B | $321.5M |
总资产NBTBRGR
| Q1 26 | $16.2B | — | ||
| Q4 25 | $16.0B | $342.0M | ||
| Q3 25 | $16.1B | $342.3M | ||
| Q2 25 | $16.0B | $349.5M | ||
| Q1 25 | $13.9B | $379.0M | ||
| Q4 24 | $13.8B | $384.0M | ||
| Q3 24 | $13.8B | $373.5M | ||
| Q2 24 | $13.5B | $376.7M |
负债/权益比NBTBRGR
| Q1 26 | 0.08× | — | ||
| 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NBTBRGR
| Q1 26 | — | — | ||
| Q4 25 | $235.2M | $15.5M | ||
| Q3 25 | $80.6M | $12.9M | ||
| Q2 25 | $46.5M | $14.7M | ||
| Q1 25 | $42.0M | $11.1M | ||
| Q4 24 | $188.6M | $20.0M | ||
| Q3 24 | $52.1M | $9.4M | ||
| Q2 24 | $50.5M | $18.7M |
自由现金流NBTBRGR
| Q1 26 | — | — | ||
| Q4 25 | $218.9M | $12.3M | ||
| Q3 25 | $74.3M | $7.0M | ||
| Q2 25 | $44.1M | $9.1M | ||
| Q1 25 | $38.3M | $10.0M | ||
| Q4 24 | $176.8M | $16.4M | ||
| Q3 24 | $47.8M | $2.6M | ||
| Q2 24 | $49.1M | $10.1M |
自由现金流率NBTBRGR
| Q1 26 | — | — | ||
| Q4 25 | 118.2% | 8.2% | ||
| Q3 25 | 40.0% | 5.5% | ||
| Q2 25 | 25.8% | 6.9% | ||
| Q1 25 | 24.8% | 7.4% | ||
| Q4 24 | 119.0% | 11.2% | ||
| Q3 24 | 32.4% | 2.1% | ||
| Q2 24 | 35.0% | 7.7% |
资本支出强度NBTBRGR
| Q1 26 | — | — | ||
| Q4 25 | 8.8% | 2.1% | ||
| Q3 25 | 3.4% | 4.6% | ||
| Q2 25 | 1.4% | 4.2% | ||
| Q1 25 | 2.4% | 0.8% | ||
| Q4 24 | 7.9% | 2.5% | ||
| Q3 24 | 2.9% | 5.5% | ||
| Q2 24 | 1.0% | 6.6% |
现金转化率NBTBRGR
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 1.48× | 8.15× | ||
| Q2 25 | 2.06× | — | ||
| Q1 25 | 1.14× | 1.43× | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.37× | 1.98× | ||
| Q2 24 | 1.54× | 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
NBTB
| Net Interest Income | $134.3M | 73% |
| Noninterest Income | $50.1M | 27% |
RGR
| Firearms | $150.6M | 100% |
| Castings | $7.3M | 5% |
