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合众银行（OSBC）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
STURM RUGER & CO INC的季度营收约是合众银行的1.6倍（$151.1M vs $93.8M），过去两年合众银行的营收复合增速更高（15.1% vs 5.1%）
合众银行是一家总部位于美国明尼阿波利斯、在特拉华州注册的美国跨国银行机构。截至2025年，它是美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为具有系统重要性的金融机构，主营银行、投资、抵押等金融服务。
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。
OSBC vs RGR — 直观对比
营收规模更大
RGR
是对方的1.6倍
$93.8M
两年增速更快
OSBC
近两年复合增速
5.1%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $93.8M | $151.1M |
| 净利润 | $25.6M | — |
| 毛利率 | — | 17.8% |
| 营业利润率 | — | 2.3% |
| 净利率 | 27.3% | — |
| 营收同比 | — | 3.6% |
| 净利润同比 | 159.2% | — |
| 每股收益（稀释后） | $0.48 | $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OSBCRGR
| Q1 26 | $93.8M | — | ||
| Q4 25 | $95.2M | $151.1M | ||
| Q3 25 | $95.9M | $126.8M | ||
| Q2 25 | $75.1M | $132.5M | ||
| Q1 25 | $73.1M | $135.7M | ||
| Q4 24 | $73.2M | $145.8M | ||
| Q3 24 | $71.2M | $122.3M | ||
| Q2 24 | $70.8M | $130.8M |
净利润OSBCRGR
| Q1 26 | $25.6M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $9.9M | $1.6M | ||
| Q2 25 | $21.8M | $-17.2M | ||
| Q1 25 | $19.8M | $7.8M | ||
| Q4 24 | — | — | ||
| Q3 24 | $23.0M | $4.7M | ||
| Q2 24 | $21.9M | $8.3M |
毛利率OSBCRGR
| 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OSBCRGR
| Q1 26 | — | — | ||
| Q4 25 | 41.2% | 2.3% | ||
| Q3 25 | 13.6% | -2.7% | ||
| Q2 25 | 38.9% | -15.6% | ||
| Q1 25 | 35.8% | 6.2% | ||
| Q4 24 | 34.7% | 7.8% | ||
| Q3 24 | 41.9% | 3.1% | ||
| Q2 24 | 41.2% | 6.9% |
净利率OSBCRGR
| Q1 26 | 27.3% | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 10.3% | 1.2% | ||
| Q2 25 | 29.0% | -13.0% | ||
| Q1 25 | 27.1% | 5.7% | ||
| Q4 24 | — | — | ||
| Q3 24 | 32.3% | 3.9% | ||
| Q2 24 | 30.9% | 6.3% |
每股收益（稀释后）OSBCRGR
| Q1 26 | $0.48 | — | ||
| Q4 25 | $0.53 | $0.22 | ||
| Q3 25 | $0.18 | $0.10 | ||
| Q2 25 | $0.48 | $-1.05 | ||
| Q1 25 | $0.43 | $0.46 | ||
| Q4 24 | $0.42 | $0.62 | ||
| Q3 24 | $0.50 | $0.28 | ||
| Q2 24 | $0.48 | $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 | $115.7M | $92.5M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $893.3M | $283.8M |
| 总资产 | $6.8B | $342.0M |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资OSBCRGR
| Q1 26 | $115.7M | — | ||
| Q4 25 | $124.0M | $92.5M | ||
| Q3 25 | $116.5M | $80.8M | ||
| Q2 25 | $141.8M | $101.4M | ||
| Q1 25 | $256.1M | $108.3M | ||
| Q4 24 | $99.3M | $105.5M | ||
| Q3 24 | $115.8M | $96.0M | ||
| Q2 24 | $120.9M | $105.6M |
股东权益OSBCRGR
| Q1 26 | $893.3M | — | ||
| Q4 25 | $896.8M | $283.8M | ||
| Q3 25 | $866.7M | $279.6M | ||
| Q2 25 | $718.6M | $289.3M | ||
| Q1 25 | $694.5M | $321.5M | ||
| Q4 24 | $671.0M | $319.6M | ||
| Q3 24 | $661.4M | $314.9M | ||
| Q2 24 | $619.3M | $321.5M |
总资产OSBCRGR
| Q1 26 | $6.8B | — | ||
| Q4 25 | $6.9B | $342.0M | ||
| Q3 25 | $7.0B | $342.3M | ||
| Q2 25 | $5.7B | $349.5M | ||
| Q1 25 | $5.7B | $379.0M | ||
| Q4 24 | $5.6B | $384.0M | ||
| Q3 24 | $5.7B | $373.5M | ||
| Q2 24 | $5.7B | $376.7M |
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OSBCRGR
| Q1 26 | — | — | ||
| Q4 25 | $122.3M | $15.5M | ||
| Q3 25 | $35.9M | $12.9M | ||
| Q2 25 | $24.2M | $14.7M | ||
| Q1 25 | $17.8M | $11.1M | ||
| Q4 24 | $131.5M | $20.0M | ||
| Q3 24 | $48.5M | $9.4M | ||
| Q2 24 | $11.6M | $18.7M |
自由现金流OSBCRGR
| Q1 26 | — | — | ||
| Q4 25 | $117.8M | $12.3M | ||
| Q3 25 | $34.7M | $7.0M | ||
| Q2 25 | $23.5M | $9.1M | ||
| Q1 25 | $16.2M | $10.0M | ||
| Q4 24 | $120.7M | $16.4M | ||
| Q3 24 | $46.2M | $2.6M | ||
| Q2 24 | $8.7M | $10.1M |
自由现金流率OSBCRGR
| Q1 26 | — | — | ||
| Q4 25 | 123.7% | 8.2% | ||
| Q3 25 | 36.2% | 5.5% | ||
| Q2 25 | 31.2% | 6.9% | ||
| Q1 25 | 22.2% | 7.4% | ||
| Q4 24 | 165.0% | 11.2% | ||
| Q3 24 | 64.9% | 2.1% | ||
| Q2 24 | 12.3% | 7.7% |
资本支出强度OSBCRGR
| Q1 26 | — | — | ||
| Q4 25 | 4.7% | 2.1% | ||
| Q3 25 | 1.3% | 4.6% | ||
| Q2 25 | 1.1% | 4.2% | ||
| Q1 25 | 2.2% | 0.8% | ||
| Q4 24 | 14.7% | 2.5% | ||
| Q3 24 | 3.3% | 5.5% | ||
| Q2 24 | 4.2% | 6.6% |
现金转化率OSBCRGR
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 3.64× | 8.15× | ||
| Q2 25 | 1.11× | — | ||
| Q1 25 | 0.90× | 1.43× | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.11× | 1.98× | ||
| Q2 24 | 0.53× | 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
OSBC
| Net Interest Income | $81.1M | 87% |
| Noninterest Income | $12.6M | 13% |
RGR
| Firearms | $150.6M | 100% |
| Castings | $7.3M | 5% |
