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Bank of Marin Bancorp（BMRC）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 of Marin Bancorp的1.7倍（$57.1M vs $34.1M），Bank of Marin Bancorp净利率更高（24.9% vs 0.8%，领先24.1%），过去两年Bank of Marin Bancorp的营收复合增速更高（23.3% vs 7.8%）
美 洲 河 银 行 是 一 家 社 区 银 行，1983 年 由 首 任 行 长 兼 首 席 执 行 官 Robert H. Daneke 与 首 任 董 事 会 主 席 Bill L. Withrow 共 同 创 立，服 务 于 美 国 加 利 福 尼 亚 州 大 萨 克 拉 门 托 地 区。截 至 2019 年，该 行 在 北 加 州 共 运 营 十 家 网 点，提 供 企 业 及 个 人 金 融 服 务，曾 是 American River Bankshares 的 全 资 子 公 司。
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。
BMRC vs RGS — 直观对比
营收规模更大
RGS
是对方的1.7倍
$34.1M
净利率更高
BMRC
高出24.1%
0.8%
两年增速更快
BMRC
近两年复合增速
7.8%
损益表 — Q1 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $34.1M | $57.1M |
| 净利润 | $8.5M | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | — | 10.8% |
| 净利率 | 24.9% | 0.8% |
| 营收同比 | — | 22.3% |
| 净利润同比 | 74.5% | -94.0% |
| 每股收益（稀释后） | $0.53 | $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BMRCRGS
| Q1 26 | $34.1M | — | ||
| Q4 25 | $27.0M | $57.1M | ||
| Q3 25 | $30.9M | $59.0M | ||
| Q2 25 | $10.3M | $60.4M | ||
| Q1 25 | $27.8M | $57.0M | ||
| Q4 24 | $22.2M | $46.7M | ||
| Q3 24 | $27.2M | $46.1M | ||
| Q2 24 | $22.5M | $49.4M |
净利润BMRCRGS
| Q1 26 | $8.5M | — | ||
| Q4 25 | $-39.5M | $456.0K | ||
| Q3 25 | $7.5M | $1.4M | ||
| Q2 25 | $-8.5M | $116.5M | ||
| Q1 25 | $4.9M | $250.0K | ||
| Q4 24 | $6.0M | $7.6M | ||
| Q3 24 | $4.6M | $-853.0K | ||
| Q2 24 | $-21.9M | $91.2M |
营业利润率BMRCRGS
| Q1 26 | — | — | ||
| Q4 25 | -212.6% | 10.8% | ||
| Q3 25 | 31.1% | 10.0% | ||
| Q2 25 | -108.8% | 12.1% | ||
| Q1 25 | 23.3% | 8.8% | ||
| Q4 24 | 43.5% | 11.8% | ||
| Q3 24 | 25.7% | 4.6% | ||
| Q2 24 | -153.0% | — |
净利率BMRCRGS
| Q1 26 | 24.9% | — | ||
| Q4 25 | -146.5% | 0.8% | ||
| Q3 25 | 24.3% | 2.3% | ||
| Q2 25 | -82.9% | 192.9% | ||
| Q1 25 | 17.5% | 0.4% | ||
| Q4 24 | 27.1% | 16.4% | ||
| Q3 24 | 16.8% | -1.9% | ||
| Q2 24 | -97.5% | 184.7% |
每股收益（稀释后）BMRCRGS
| Q1 26 | $0.53 | — | ||
| Q4 25 | $-2.48 | $0.16 | ||
| Q3 25 | $0.47 | $0.49 | ||
| Q2 25 | $-0.53 | $43.67 | ||
| Q1 25 | $0.30 | $0.08 | ||
| Q4 24 | $0.38 | $2.71 | ||
| Q3 24 | $0.28 | $-0.36 | ||
| Q2 24 | $-1.36 | $38.40 |
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 | $394.5M | $188.7M |
| 总资产 | $3.9B | $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BMRCRGS
| Q1 26 | — | — | ||
| 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 |
总债务BMRCRGS
| Q1 26 | — | — | ||
| 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 |
股东权益BMRCRGS
| Q1 26 | $394.5M | — | ||
| Q4 25 | $394.7M | $188.7M | ||
| Q3 25 | $443.8M | $187.6M | ||
| Q2 25 | $438.5M | $185.6M | ||
| Q1 25 | $439.6M | $68.6M | ||
| Q4 24 | $435.4M | $66.7M | ||
| Q3 24 | $437.0M | $56.4M | ||
| Q2 24 | $434.9M | $56.8M |
总资产BMRCRGS
| Q1 26 | $3.9B | — | ||
| Q4 25 | $3.9B | $588.3M | ||
| Q3 25 | $3.9B | $592.1M | ||
| Q2 25 | $3.7B | $599.0M | ||
| Q1 25 | $3.8B | $511.2M | ||
| Q4 24 | $3.7B | $530.1M | ||
| Q3 24 | $3.8B | $508.9M | ||
| Q2 24 | $3.7B | $530.5M |
负债/权益比BMRCRGS
| Q1 26 | — | — | ||
| 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× |
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 | — | $1.7M |
| 自由现金流经营现金流 - 资本支出 | — | $891.0K |
| 自由现金流率自由现金流/营收 | — | 1.6% |
| 资本支出强度资本支出/营收 | — | 1.4% |
| 现金转化率经营现金流/净利润 | — | 3.65× |
| 过去12个月自由现金流最近4个季度 | — | $14.9M |
8季度趋势，按日历期对齐
经营现金流BMRCRGS
| Q1 26 | — | — | ||
| Q4 25 | $39.1M | $1.7M | ||
| Q3 25 | $12.5M | $2.3M | ||
| Q2 25 | $8.0M | $6.8M | ||
| Q1 25 | $4.9M | $6.2M | ||
| Q4 24 | $28.4M | $2.1M | ||
| Q3 24 | $9.9M | $-1.3M | ||
| Q2 24 | $3.4M | $5.1M |
自由现金流BMRCRGS
| Q1 26 | — | — | ||
| Q4 25 | $37.3M | $891.0K | ||
| Q3 25 | $12.1M | $1.9M | ||
| Q2 25 | $7.1M | $6.2M | ||
| Q1 25 | $4.6M | $5.9M | ||
| Q4 24 | $27.8M | $1.7M | ||
| Q3 24 | $9.8M | $-1.4M | ||
| Q2 24 | $3.4M | $5.1M |
自由现金流率BMRCRGS
| Q1 26 | — | — | ||
| Q4 25 | 138.1% | 1.6% | ||
| Q3 25 | 39.0% | 3.2% | ||
| Q2 25 | 68.7% | 10.3% | ||
| Q1 25 | 16.6% | 10.3% | ||
| Q4 24 | 125.7% | 3.6% | ||
| Q3 24 | 36.0% | -3.0% | ||
| Q2 24 | 15.0% | 10.3% |
资本支出强度BMRCRGS
| Q1 26 | — | — | ||
| Q4 25 | 6.7% | 1.4% | ||
| Q3 25 | 1.3% | 0.7% | ||
| Q2 25 | 9.4% | 0.9% | ||
| Q1 25 | 1.1% | 0.6% | ||
| Q4 24 | 2.3% | 0.9% | ||
| Q3 24 | 0.4% | 0.0% | ||
| Q2 24 | 0.4% | 0.0% |
现金转化率BMRCRGS
| Q1 26 | — | — | ||
| Q4 25 | — | 3.65× | ||
| Q3 25 | 1.66× | 1.68× | ||
| Q2 25 | — | 0.06× | ||
| Q1 25 | 1.01× | 24.80× | ||
| Q4 24 | 4.73× | 0.28× | ||
| Q3 24 | 2.16× | — | ||
| Q2 24 | — | 0.06× |
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
BMRC
| Net Interest Income | $30.3M | 89% |
| Noninterest Income | $3.8M | 11% |
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
