vs
Amerant Bancorp Inc.（AMTB）与REGIS CORP（RGS）财务数据对比。点击上方公司名可切换其他公司
Amerant Bancorp Inc.的季度营收约是REGIS CORP的2.0倍（$112.2M vs $57.1M），Amerant Bancorp Inc.净利率更高（3.0% vs 0.8%，领先2.2%），REGIS CORP同比增速更快（22.3% vs 2.9%），Amerant Bancorp Inc.自由现金流更多（$129.2M vs $891.0K），过去两年Amerant Bancorp Inc.的营收复合增速更高（10.1% vs 7.8%）
阿梅兰特银行是一家注册于美国佛罗里达州的本土银行，总部坐落于佛罗里达州科勒尔盖布尔斯。目前该行在佛罗里达州共设有19家实体分行，通过自有运营及合作网络可提供超过5.5万台ATM的取款服务。
瑞吉斯公司是一家美国美发沙龙运营商，总部位于明尼苏达州明尼阿波利斯市。截至2021年8月，该集团旗下拥有5563家加盟沙龙以及276家直营门店，是北美地区规模领先的美发沙龙连锁经营企业。
AMTB vs RGS — 直观对比
营收规模更大
AMTB
是对方的2.0倍
$57.1M
营收增速更快
RGS
高出19.4%
2.9%
净利率更高
AMTB
高出2.2%
0.8%
自由现金流更多
AMTB
多$128.3M
$891.0K
两年增速更快
AMTB
近两年复合增速
7.8%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $112.2M | $57.1M |
| 净利润 | $2.7M | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | 1.7% | 10.8% |
| 净利率 | 3.0% | 0.8% |
| 营收同比 | 2.9% | 22.3% |
| 净利润同比 | -84.0% | -94.0% |
| 每股收益（稀释后） | $0.08 | $0.16 |
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AMTBRGS
| Q4 25 | $112.2M | $57.1M | ||
| Q3 25 | $111.4M | $59.0M | ||
| Q2 25 | $110.3M | $60.4M | ||
| Q1 25 | $105.4M | $57.0M | ||
| Q4 24 | $87.6M | $46.7M | ||
| Q3 24 | $33.3M | $46.1M | ||
| Q2 24 | $98.8M | $49.4M | ||
| Q1 24 | $92.5M | $49.2M |
净利润AMTBRGS
| Q4 25 | $2.7M | $456.0K | ||
| Q3 25 | $14.8M | $1.4M | ||
| Q2 25 | $23.0M | $116.5M | ||
| Q1 25 | $12.0M | $250.0K | ||
| Q4 24 | $16.9M | $7.6M | ||
| Q3 24 | $-48.2M | $-853.0K | ||
| Q2 24 | $5.0M | $91.2M | ||
| Q1 24 | $10.6M | $-2.3M |
营业利润率AMTBRGS
| Q4 25 | 1.7% | 10.8% | ||
| Q3 25 | 17.1% | 10.0% | ||
| Q2 25 | 27.0% | 12.1% | ||
| Q1 25 | 14.6% | 8.8% | ||
| Q4 24 | 20.6% | 11.8% | ||
| Q3 24 | -185.8% | 4.6% | ||
| Q2 24 | 6.4% | — | ||
| Q1 24 | 14.6% | 8.3% |
净利率AMTBRGS
| Q4 25 | 3.0% | 0.8% | ||
| Q3 25 | 13.2% | 2.3% | ||
| Q2 25 | 20.9% | 192.9% | ||
| Q1 25 | 11.3% | 0.4% | ||
| Q4 24 | 19.3% | 16.4% | ||
| Q3 24 | -144.6% | -1.9% | ||
| Q2 24 | 5.0% | 184.7% | ||
| Q1 24 | 11.4% | -4.7% |
每股收益（稀释后）AMTBRGS
| Q4 25 | $0.08 | $0.16 | ||
| Q3 25 | $0.35 | $0.49 | ||
| Q2 25 | $0.55 | $43.67 | ||
| Q1 25 | $0.28 | $0.08 | ||
| Q4 24 | $0.53 | $2.71 | ||
| Q3 24 | $-1.43 | $-0.36 | ||
| Q2 24 | $0.15 | $38.40 | ||
| Q1 24 | $0.31 | $-1.00 |
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 | — | $18.4M |
| 总债务越低越好 | — | $113.3M |
| 股东权益账面价值 | $938.8M | $188.7M |
| 总资产 | $9.8B | $588.3M |
| 负债/权益比越低杠杆越低 | — | 0.60× |
8季度趋势，按日历期对齐
现金及短期投资AMTBRGS
| Q4 25 | — | $18.4M | ||
| Q3 25 | — | $16.6M | ||
| Q2 25 | — | $17.0M | ||
| Q1 25 | — | $13.3M | ||
| Q4 24 | — | $10.2M | ||
| Q3 24 | — | $6.3M | ||
| Q2 24 | — | $10.1M | ||
| Q1 24 | — | $5.9M |
总债务AMTBRGS
| Q4 25 | — | $113.3M | ||
| Q3 25 | — | $111.3M | ||
| Q2 25 | — | $110.8M | ||
| Q1 25 | — | $112.0M | ||
| Q4 24 | — | $111.5M | ||
| Q3 24 | — | $95.2M | ||
| Q2 24 | — | $99.5M | ||
| Q1 24 | — | $179.7M |
股东权益AMTBRGS
| Q4 25 | $938.8M | $188.7M | ||
| Q3 25 | $944.9M | $187.6M | ||
| Q2 25 | $924.3M | $185.6M | ||
| Q1 25 | $906.3M | $68.6M | ||
| Q4 24 | $890.5M | $66.7M | ||
| Q3 24 | $902.9M | $56.4M | ||
| Q2 24 | $734.3M | $56.8M | ||
| Q1 24 | $738.1M | $-35.8M |
总资产AMTBRGS
| Q4 25 | $9.8B | $588.3M | ||
| Q3 25 | $10.4B | $592.1M | ||
| Q2 25 | $10.3B | $599.0M | ||
| Q1 25 | $10.2B | $511.2M | ||
| Q4 24 | $9.9B | $530.1M | ||
| Q3 24 | $10.4B | $508.9M | ||
| Q2 24 | $9.7B | $530.5M | ||
| Q1 24 | $9.8B | $543.7M |
负债/权益比AMTBRGS
| Q4 25 | — | 0.60× | ||
| Q3 25 | — | 0.59× | ||
| Q2 25 | — | 0.60× | ||
| Q1 25 | — | 1.63× | ||
| Q4 24 | — | 1.67× | ||
| Q3 24 | — | 1.69× | ||
| Q2 24 | — | 1.75× | ||
| Q1 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 | $137.0M | $1.7M |
| 自由现金流经营现金流 - 资本支出 | $129.2M | $891.0K |
| 自由现金流率自由现金流/营收 | 115.2% | 1.6% |
| 资本支出强度资本支出/营收 | 6.9% | 1.4% |
| 现金转化率经营现金流/净利润 | 50.71× | 3.65× |
| 过去12个月自由现金流最近4个季度 | $225.2M | $14.9M |
8季度趋势，按日历期对齐
经营现金流AMTBRGS
| Q4 25 | $137.0M | $1.7M | ||
| Q3 25 | $22.7M | $2.3M | ||
| Q2 25 | $57.6M | $6.8M | ||
| Q1 25 | $20.2M | $6.2M | ||
| Q4 24 | $82.2M | $2.1M | ||
| Q3 24 | $4.2M | $-1.3M | ||
| Q2 24 | $-2.3M | $5.1M | ||
| Q1 24 | $2.8M | $-277.0K |
自由现金流AMTBRGS
| Q4 25 | $129.2M | $891.0K | ||
| Q3 25 | $21.7M | $1.9M | ||
| Q2 25 | $56.3M | $6.2M | ||
| Q1 25 | $18.0M | $5.9M | ||
| Q4 24 | $74.8M | $1.7M | ||
| Q3 24 | $2.6M | $-1.4M | ||
| Q2 24 | $-3.9M | $5.1M | ||
| Q1 24 | $-694.0K | $-326.0K |
自由现金流率AMTBRGS
| Q4 25 | 115.2% | 1.6% | ||
| Q3 25 | 19.5% | 3.2% | ||
| Q2 25 | 51.0% | 10.3% | ||
| Q1 25 | 17.1% | 10.3% | ||
| Q4 24 | 85.3% | 3.6% | ||
| Q3 24 | 7.8% | -3.0% | ||
| Q2 24 | -3.9% | 10.3% | ||
| Q1 24 | -0.8% | -0.7% |
资本支出强度AMTBRGS
| Q4 25 | 6.9% | 1.4% | ||
| Q3 25 | 0.9% | 0.7% | ||
| Q2 25 | 1.2% | 0.9% | ||
| Q1 25 | 2.1% | 0.6% | ||
| Q4 24 | 8.4% | 0.9% | ||
| Q3 24 | 4.8% | 0.0% | ||
| Q2 24 | 1.5% | 0.0% | ||
| Q1 24 | 3.8% | 0.1% |
现金转化率AMTBRGS
| Q4 25 | 50.71× | 3.65× | ||
| Q3 25 | 1.54× | 1.68× | ||
| Q2 25 | 2.50× | 0.06× | ||
| Q1 25 | 1.69× | 24.80× | ||
| Q4 24 | 4.87× | 0.28× | ||
| Q3 24 | — | — | ||
| Q2 24 | -0.47× | 0.06× | ||
| Q1 24 | 0.26× | — |
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
AMTB
| Other | $58.0M | 52% |
| Commercial Portfolio Segment | $25.7M | 23% |
| Commercial Real Estate Portfolio Segment | $17.3M | 15% |
| Consumer Portfolio Segment | $11.1M | 10% |
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
