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PEOPLES BANCORP INC（PEBO）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PEOPLES BANCORP INC的1.9倍（$225.0M vs $118.7M），过去两年PEOPLES BANCORP INC的营收复合增速更高（3.7% vs -12.3%）
该公司是总部位于美国明尼苏达州明尼阿波利斯、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，同时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。它主营银行、投资、抵押贷款等相关金融业务。
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。
PEBO vs ROCK — 直观对比
营收规模更大
ROCK
是对方的1.9倍
$118.7M
两年增速更快
PEBO
近两年复合增速
-12.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $118.7M | $225.0M |
| 净利润 | $29.0M | — |
| 毛利率 | — | 25.3% |
| 营业利润率 | — | 7.9% |
| 净利率 | 24.4% | — |
| 营收同比 | — | 24.9% |
| 净利润同比 | -8.7% | — |
| 每股收益（稀释后） | $0.81 | — |
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PEBOROCK
| Q1 26 | $118.7M | — | ||
| Q4 25 | $117.3M | $225.0M | ||
| Q3 25 | $115.2M | $310.9M | ||
| Q2 25 | $114.5M | $309.5M | ||
| Q1 25 | $112.4M | $290.0M | ||
| Q4 24 | $111.6M | $180.1M | ||
| Q3 24 | $113.7M | $277.1M | ||
| Q2 24 | $110.3M | $273.6M |
净利润PEBOROCK
| Q1 26 | $29.0M | — | ||
| Q4 25 | $31.8M | — | ||
| Q3 25 | $29.5M | $-89.1M | ||
| Q2 25 | $21.2M | $26.0M | ||
| Q1 25 | $24.3M | $21.1M | ||
| Q4 24 | $26.9M | — | ||
| Q3 24 | $31.7M | $34.0M | ||
| Q2 24 | $29.0M | $32.2M |
毛利率PEBOROCK
| 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PEBOROCK
| Q1 26 | — | — | ||
| Q4 25 | 32.4% | 7.9% | ||
| Q3 25 | 33.0% | 12.8% | ||
| Q2 25 | 24.0% | 12.8% | ||
| Q1 25 | 27.9% | 8.8% | ||
| Q4 24 | 31.2% | 13.3% | ||
| Q3 24 | 36.0% | 15.6% | ||
| Q2 24 | 32.5% | 14.9% |
净利率PEBOROCK
| Q1 26 | 24.4% | — | ||
| Q4 25 | 27.1% | — | ||
| Q3 25 | 25.6% | -28.6% | ||
| Q2 25 | 18.5% | 8.4% | ||
| Q1 25 | 21.7% | 7.3% | ||
| Q4 24 | 24.1% | — | ||
| Q3 24 | 27.9% | 12.3% | ||
| Q2 24 | 26.3% | 11.8% |
每股收益（稀释后）PEBOROCK
| Q1 26 | $0.81 | — | ||
| Q4 25 | $0.89 | — | ||
| Q3 25 | $0.83 | $-2.98 | ||
| Q2 25 | $0.59 | $0.87 | ||
| Q1 25 | $0.68 | — | ||
| Q4 24 | $0.76 | — | ||
| Q3 24 | $0.89 | $1.11 | ||
| Q2 24 | $0.82 | $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 | $82.9M | $115.7M |
| 总债务越低越好 | $691.3M | $0 |
| 股东权益账面价值 | $1.2B | $950.4M |
| 总资产 | $9.6B | $1.4B |
| 负债/权益比越低杠杆越低 | 0.57× | 0.00× |
8季度趋势，按日历期对齐
现金及短期投资PEBOROCK
| Q1 26 | $82.9M | — | ||
| Q4 25 | $189.0M | $115.7M | ||
| Q3 25 | $190.2M | $89.4M | ||
| Q2 25 | $186.1M | $43.3M | ||
| Q1 25 | $187.0M | $25.1M | ||
| Q4 24 | $217.7M | $269.5M | ||
| Q3 24 | $283.7M | $228.9M | ||
| Q2 24 | $235.9M | $179.1M |
总债务PEBOROCK
| Q1 26 | $691.3M | — | ||
| Q4 25 | $204.1M | $0 | ||
| Q3 25 | $227.3M | $0 | ||
| Q2 25 | $232.4M | $0 | ||
| Q1 25 | $237.0M | $0 | ||
| Q4 24 | $238.1M | $0 | ||
| Q3 24 | $236.8M | $0 | ||
| Q2 24 | $234.3M | $0 |
股东权益PEBOROCK
| Q1 26 | $1.2B | — | ||
| Q4 25 | $1.2B | $950.4M | ||
| Q3 25 | $1.2B | $951.8M | ||
| Q2 25 | $1.2B | $1.0B | ||
| Q1 25 | $1.1B | $1.0B | ||
| Q4 24 | $1.1B | $1.0B | ||
| Q3 24 | $1.1B | $1.0B | ||
| Q2 24 | $1.1B | $975.7M |
总资产PEBOROCK
| Q1 26 | $9.6B | — | ||
| Q4 25 | $9.6B | $1.4B | ||
| Q3 25 | $9.6B | $1.4B | ||
| Q2 25 | $9.5B | $1.5B | ||
| Q1 25 | $9.2B | $1.4B | ||
| Q4 24 | $9.3B | $1.4B | ||
| Q3 24 | $9.1B | $1.4B | ||
| Q2 24 | $9.2B | $1.4B |
负债/权益比PEBOROCK
| Q1 26 | 0.57× | — | ||
| Q4 25 | 0.17× | 0.00× | ||
| Q3 25 | 0.19× | 0.00× | ||
| Q2 25 | 0.20× | 0.00× | ||
| Q1 25 | 0.21× | 0.00× | ||
| Q4 24 | 0.21× | 0.00× | ||
| Q3 24 | 0.21× | 0.00× | ||
| Q2 24 | 0.22× | 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PEBOROCK
| Q1 26 | — | — | ||
| Q4 25 | $134.7M | $35.5M | ||
| Q3 25 | $14.4M | $73.0M | ||
| Q2 25 | $50.7M | $44.9M | ||
| Q1 25 | $34.3M | $13.7M | ||
| Q4 24 | $143.2M | $19.9M | ||
| Q3 24 | $34.1M | $64.7M | ||
| Q2 24 | $32.1M | $36.5M |
自由现金流PEBOROCK
| Q1 26 | — | — | ||
| Q4 25 | $128.7M | $26.2M | ||
| Q3 25 | $12.7M | $64.8M | ||
| Q2 25 | $49.2M | $27.3M | ||
| Q1 25 | $31.5M | $2.3M | ||
| Q4 24 | $136.4M | $14.1M | ||
| Q3 24 | $33.2M | $60.5M | ||
| Q2 24 | $30.2M | $33.5M |
自由现金流率PEBOROCK
| Q1 26 | — | — | ||
| Q4 25 | 109.7% | 11.7% | ||
| Q3 25 | 11.0% | 20.8% | ||
| Q2 25 | 43.0% | 8.8% | ||
| Q1 25 | 28.1% | 0.8% | ||
| Q4 24 | 122.2% | 7.8% | ||
| Q3 24 | 29.2% | 21.8% | ||
| Q2 24 | 27.4% | 12.2% |
资本支出强度PEBOROCK
| Q1 26 | — | — | ||
| Q4 25 | 5.1% | 4.1% | ||
| Q3 25 | 1.5% | 2.6% | ||
| Q2 25 | 1.3% | 5.7% | ||
| Q1 25 | 2.4% | 3.9% | ||
| Q4 24 | 6.1% | 3.3% | ||
| Q3 24 | 0.8% | 1.5% | ||
| Q2 24 | 1.7% | 1.1% |
现金转化率PEBOROCK
| Q1 26 | — | — | ||
| Q4 25 | 4.24× | — | ||
| Q3 25 | 0.49× | — | ||
| Q2 25 | 2.39× | 1.73× | ||
| Q1 25 | 1.41× | 0.65× | ||
| Q4 24 | 5.32× | — | ||
| Q3 24 | 1.08× | 1.90× | ||
| Q2 24 | 1.11× | 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
PEBO
| Net Interest Income | $90.4M | 76% |
| Noninterest Income | $28.3M | 24% |
ROCK
| Transferred At Point In Time | $183.5M | 82% |
| Infrastructure | $22.5M | 10% |
| Other | $18.9M | 8% |
