vs
Bank First Corp（BFC）与REGIS CORP（RGS）财务数据对比。点击上方公司名可切换其他公司
REGIS CORP的季度营收约是Bank First Corp的1.3倍（$57.1M vs $44.9M），Bank First Corp净利率更高（45.8% vs 0.8%，领先45.0%），REGIS CORP同比增速更快（22.3% vs 12.1%），Bank First Corp自由现金流更多（$51.0M vs $891.0K），过去两年Bank First Corp的营收复合增速更高（9.1% vs 7.8%）
First Horizon Corporation（前身为田纳西第一银行）是一家成立于1864年、总部位于美国田纳西州孟菲斯的金融服务企业。通过旗下子公司First Horizon银行，其业务覆盖美国东南部12个州，是该区域第四大区域性银行。
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。
BFC vs RGS — 直观对比
营收规模更大
RGS
是对方的1.3倍
$44.9M
营收增速更快
RGS
高出10.2%
12.1%
净利率更高
BFC
高出45.0%
0.8%
自由现金流更多
BFC
多$50.1M
$891.0K
两年增速更快
BFC
近两年复合增速
7.8%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $44.9M | $57.1M |
| 净利润 | $18.4M | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | 51.0% | 10.8% |
| 净利率 | 45.8% | 0.8% |
| 营收同比 | 12.1% | 22.3% |
| 净利润同比 | 4.8% | -94.0% |
| 每股收益（稀释后） | $1.87 | $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BFCRGS
| Q4 25 | $44.9M | $57.1M | ||
| Q3 25 | $44.2M | $59.0M | ||
| Q2 25 | $41.6M | $60.4M | ||
| Q1 25 | $43.1M | $57.0M | ||
| Q4 24 | $40.1M | $46.7M | ||
| Q3 24 | $40.8M | $46.1M | ||
| Q2 24 | $38.9M | $49.4M | ||
| Q1 24 | $37.7M | $49.2M |
净利润BFCRGS
| Q4 25 | $18.4M | $456.0K | ||
| Q3 25 | $18.0M | $1.4M | ||
| Q2 25 | $16.9M | $116.5M | ||
| Q1 25 | $18.2M | $250.0K | ||
| Q4 24 | $17.5M | $7.6M | ||
| Q3 24 | $16.6M | $-853.0K | ||
| Q2 24 | $16.1M | $91.2M | ||
| Q1 24 | $15.4M | $-2.3M |
营业利润率BFCRGS
| Q4 25 | 51.0% | 10.8% | ||
| Q3 25 | 50.8% | 10.0% | ||
| Q2 25 | 49.7% | 12.1% | ||
| Q1 25 | 51.3% | 8.8% | ||
| Q4 24 | 54.4% | 11.8% | ||
| Q3 24 | 50.7% | 4.6% | ||
| Q2 24 | 51.0% | — | ||
| Q1 24 | 45.6% | 8.3% |
净利率BFCRGS
| Q4 25 | 45.8% | 0.8% | ||
| Q3 25 | 40.7% | 2.3% | ||
| Q2 25 | 40.5% | 192.9% | ||
| Q1 25 | 42.3% | 0.4% | ||
| Q4 24 | 49.3% | 16.4% | ||
| Q3 24 | 40.6% | -1.9% | ||
| Q2 24 | 41.3% | 184.7% | ||
| Q1 24 | 40.8% | -4.7% |
每股收益（稀释后）BFCRGS
| Q4 25 | $1.87 | $0.16 | ||
| Q3 25 | $1.83 | $0.49 | ||
| Q2 25 | $1.71 | $43.67 | ||
| Q1 25 | $1.82 | $0.08 | ||
| Q4 24 | $1.75 | $2.71 | ||
| Q3 24 | $1.65 | $-0.36 | ||
| Q2 24 | $1.59 | $38.40 | ||
| Q1 24 | $1.51 | $-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 | $243.2M | $18.4M |
| 总债务越低越好 | — | $113.3M |
| 股东权益账面价值 | $643.8M | $188.7M |
| 总资产 | $4.5B | $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BFCRGS
| Q4 25 | $243.2M | $18.4M | ||
| Q3 25 | $126.2M | $16.6M | ||
| Q2 25 | $120.3M | $17.0M | ||
| Q1 25 | $300.9M | $13.3M | ||
| Q4 24 | $261.3M | $10.2M | ||
| Q3 24 | $204.4M | $6.3M | ||
| Q2 24 | $99.0M | $10.1M | ||
| Q1 24 | $83.4M | $5.9M |
总债务BFCRGS
| 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BFCRGS
| Q4 25 | $643.8M | $188.7M | ||
| Q3 25 | $628.1M | $187.6M | ||
| Q2 25 | $612.3M | $185.6M | ||
| Q1 25 | $648.4M | $68.6M | ||
| Q4 24 | $639.7M | $66.7M | ||
| Q3 24 | $628.9M | $56.4M | ||
| Q2 24 | $614.6M | $56.8M | ||
| Q1 24 | $609.3M | $-35.8M |
总资产BFCRGS
| Q4 25 | $4.5B | $588.3M | ||
| Q3 25 | $4.4B | $592.1M | ||
| Q2 25 | $4.4B | $599.0M | ||
| Q1 25 | $4.5B | $511.2M | ||
| Q4 24 | $4.5B | $530.1M | ||
| Q3 24 | $4.3B | $508.9M | ||
| Q2 24 | $4.1B | $530.5M | ||
| Q1 24 | $4.1B | $543.7M |
负债/权益比BFCRGS
| 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 | $62.5M | $1.7M |
| 自由现金流经营现金流 - 资本支出 | $51.0M | $891.0K |
| 自由现金流率自由现金流/营收 | 113.6% | 1.6% |
| 资本支出强度资本支出/营收 | 25.5% | 1.4% |
| 现金转化率经营现金流/净利润 | 3.40× | 3.65× |
| 过去12个月自由现金流最近4个季度 | $75.8M | $14.9M |
8季度趋势，按日历期对齐
经营现金流BFCRGS
| Q4 25 | $62.5M | $1.7M | ||
| Q3 25 | $15.5M | $2.3M | ||
| Q2 25 | $11.9M | $6.8M | ||
| Q1 25 | $6.2M | $6.2M | ||
| Q4 24 | $65.8M | $2.1M | ||
| Q3 24 | $18.8M | $-1.3M | ||
| Q2 24 | $14.9M | $5.1M | ||
| Q1 24 | $1.3M | $-277.0K |
自由现金流BFCRGS
| Q4 25 | $51.0M | $891.0K | ||
| Q3 25 | $12.5M | $1.9M | ||
| Q2 25 | $8.2M | $6.2M | ||
| Q1 25 | $4.0M | $5.9M | ||
| Q4 24 | $58.6M | $1.7M | ||
| Q3 24 | $16.9M | $-1.4M | ||
| Q2 24 | $13.7M | $5.1M | ||
| Q1 24 | $551.0K | $-326.0K |
自由现金流率BFCRGS
| Q4 25 | 113.6% | 1.6% | ||
| Q3 25 | 28.2% | 3.2% | ||
| Q2 25 | 19.8% | 10.3% | ||
| Q1 25 | 9.3% | 10.3% | ||
| Q4 24 | 146.3% | 3.6% | ||
| Q3 24 | 41.5% | -3.0% | ||
| Q2 24 | 35.3% | 10.3% | ||
| Q1 24 | 1.5% | -0.7% |
资本支出强度BFCRGS
| Q4 25 | 25.5% | 1.4% | ||
| Q3 25 | 6.7% | 0.7% | ||
| Q2 25 | 8.7% | 0.9% | ||
| Q1 25 | 5.0% | 0.6% | ||
| Q4 24 | 18.0% | 0.9% | ||
| Q3 24 | 4.5% | 0.0% | ||
| Q2 24 | 3.1% | 0.0% | ||
| Q1 24 | 2.1% | 0.1% |
现金转化率BFCRGS
| Q4 25 | 3.40× | 3.65× | ||
| Q3 25 | 0.86× | 1.68× | ||
| Q2 25 | 0.70× | 0.06× | ||
| Q1 25 | 0.34× | 24.80× | ||
| Q4 24 | 3.75× | 0.28× | ||
| Q3 24 | 1.13× | — | ||
| Q2 24 | 0.93× | 0.06× | ||
| Q1 24 | 0.09× | — |
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
BFC
暂无分部数据
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
