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NBT BANCORP INC（NBTB）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NBT BANCORP INC的1.2倍（$225.0M vs $184.5M），过去两年NBT BANCORP INC的营收复合增速更高（14.6% vs -12.3%）
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。
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。
NBTB vs ROCK — 直观对比
营收规模更大
ROCK
是对方的1.2倍
$184.5M
两年增速更快
NBTB
近两年复合增速
-12.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $184.5M | $225.0M |
| 净利润 | $51.1M | — |
| 毛利率 | — | 25.3% |
| 营业利润率 | — | 7.9% |
| 净利率 | 27.7% | — |
| 营收同比 | — | 24.9% |
| 净利润同比 | 127.2% | — |
| 每股收益（稀释后） | $0.98 | — |
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NBTBROCK
| Q1 26 | $184.5M | — | ||
| Q4 25 | $185.1M | $225.0M | ||
| Q3 25 | $186.1M | $310.9M | ||
| Q2 25 | $171.2M | $309.5M | ||
| Q1 25 | $154.7M | $290.0M | ||
| Q4 24 | $148.5M | $180.1M | ||
| Q3 24 | $147.4M | $277.1M | ||
| Q2 24 | $140.4M | $273.6M |
净利润NBTBROCK
| Q1 26 | $51.1M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $54.5M | $-89.1M | ||
| Q2 25 | $22.5M | $26.0M | ||
| Q1 25 | $36.7M | $21.1M | ||
| Q4 24 | — | — | ||
| Q3 24 | $38.1M | $34.0M | ||
| Q2 24 | $32.7M | $32.2M |
毛利率NBTBROCK
| 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NBTBROCK
| Q1 26 | — | — | ||
| Q4 25 | 37.6% | 7.9% | ||
| Q3 25 | 38.6% | 12.8% | ||
| Q2 25 | 17.9% | 12.8% | ||
| Q1 25 | 30.5% | 8.8% | ||
| Q4 24 | 30.7% | 13.3% | ||
| Q3 24 | 33.1% | 15.6% | ||
| Q2 24 | 29.9% | 14.9% |
净利率NBTBROCK
| Q1 26 | 27.7% | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 29.3% | -28.6% | ||
| Q2 25 | 13.2% | 8.4% | ||
| Q1 25 | 23.8% | 7.3% | ||
| Q4 24 | — | — | ||
| Q3 24 | 25.8% | 12.3% | ||
| Q2 24 | 23.3% | 11.8% |
每股收益（稀释后）NBTBROCK
| Q1 26 | $0.98 | — | ||
| Q4 25 | $1.09 | — | ||
| Q3 25 | $1.03 | $-2.98 | ||
| Q2 25 | $0.44 | $0.87 | ||
| Q1 25 | $0.77 | — | ||
| Q4 24 | $0.77 | — | ||
| Q3 24 | $0.80 | $1.11 | ||
| Q2 24 | $0.69 | $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 | $160.9M | $0 |
| 股东权益账面价值 | $1.9B | $950.4M |
| 总资产 | $16.2B | $1.4B |
| 负债/权益比越低杠杆越低 | 0.08× | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资NBTBROCK
| 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NBTBROCK
| Q1 26 | $160.9M | — | ||
| 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NBTBROCK
| Q1 26 | $1.9B | — | ||
| Q4 25 | $1.9B | $950.4M | ||
| Q3 25 | $1.9B | $951.8M | ||
| Q2 25 | $1.8B | $1.0B | ||
| Q1 25 | $1.6B | $1.0B | ||
| Q4 24 | $1.5B | $1.0B | ||
| Q3 24 | $1.5B | $1.0B | ||
| Q2 24 | $1.5B | $975.7M |
总资产NBTBROCK
| Q1 26 | $16.2B | — | ||
| Q4 25 | $16.0B | $1.4B | ||
| Q3 25 | $16.1B | $1.4B | ||
| Q2 25 | $16.0B | $1.5B | ||
| Q1 25 | $13.9B | $1.4B | ||
| Q4 24 | $13.8B | $1.4B | ||
| Q3 24 | $13.8B | $1.4B | ||
| Q2 24 | $13.5B | $1.4B |
负债/权益比NBTBROCK
| Q1 26 | 0.08× | — | ||
| 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NBTBROCK
| Q1 26 | — | — | ||
| Q4 25 | $235.2M | $35.5M | ||
| Q3 25 | $80.6M | $73.0M | ||
| Q2 25 | $46.5M | $44.9M | ||
| Q1 25 | $42.0M | $13.7M | ||
| Q4 24 | $188.6M | $19.9M | ||
| Q3 24 | $52.1M | $64.7M | ||
| Q2 24 | $50.5M | $36.5M |
自由现金流NBTBROCK
| Q1 26 | — | — | ||
| Q4 25 | $218.9M | $26.2M | ||
| Q3 25 | $74.3M | $64.8M | ||
| Q2 25 | $44.1M | $27.3M | ||
| Q1 25 | $38.3M | $2.3M | ||
| Q4 24 | $176.8M | $14.1M | ||
| Q3 24 | $47.8M | $60.5M | ||
| Q2 24 | $49.1M | $33.5M |
自由现金流率NBTBROCK
| Q1 26 | — | — | ||
| Q4 25 | 118.2% | 11.7% | ||
| Q3 25 | 40.0% | 20.8% | ||
| Q2 25 | 25.8% | 8.8% | ||
| Q1 25 | 24.8% | 0.8% | ||
| Q4 24 | 119.0% | 7.8% | ||
| Q3 24 | 32.4% | 21.8% | ||
| Q2 24 | 35.0% | 12.2% |
资本支出强度NBTBROCK
| Q1 26 | — | — | ||
| Q4 25 | 8.8% | 4.1% | ||
| Q3 25 | 3.4% | 2.6% | ||
| Q2 25 | 1.4% | 5.7% | ||
| Q1 25 | 2.4% | 3.9% | ||
| Q4 24 | 7.9% | 3.3% | ||
| Q3 24 | 2.9% | 1.5% | ||
| Q2 24 | 1.0% | 1.1% |
现金转化率NBTBROCK
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 1.48× | — | ||
| Q2 25 | 2.06× | 1.73× | ||
| Q1 25 | 1.14× | 0.65× | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.37× | 1.90× | ||
| Q2 24 | 1.54× | 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
NBTB
| Net Interest Income | $134.3M | 73% |
| Noninterest Income | $50.1M | 27% |
ROCK
| Transferred At Point In Time | $183.5M | 82% |
| Infrastructure | $22.5M | 10% |
| Other | $18.9M | 8% |
