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Bankwell Financial Group, Inc.（BWFG）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Bankwell Financial Group, Inc.的1.9倍（$57.1M vs $30.3M），Bankwell Financial Group, Inc.同比增速更快（43.3% vs 22.3%），Bankwell Financial Group, Inc.自由现金流更多（$27.1M vs $891.0K），过去两年Bankwell Financial Group, Inc.的营收复合增速更高（17.2% vs 7.8%）
Bankwell金融集团是美国的银行控股企业，提供个人及商业银行全品类产品服务，包含存款账户、住房贷款、商业信贷、财富管理解决方案，主要服务康涅狄格州的本地社区、零售客户及中小微企业。
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。
BWFG vs RGS — 直观对比
营收规模更大
RGS
是对方的1.9倍
$30.3M
营收增速更快
BWFG
高出21.0%
22.3%
自由现金流更多
BWFG
多$26.2M
$891.0K
两年增速更快
BWFG
近两年复合增速
7.8%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $30.3M | $57.1M |
| 净利润 | — | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | 46.9% | 10.8% |
| 净利率 | — | 0.8% |
| 营收同比 | 43.3% | 22.3% |
| 净利润同比 | — | -94.0% |
| 每股收益（稀释后） | $1.16 | $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BWFGRGS
| Q4 25 | $30.3M | $57.1M | ||
| Q3 25 | $28.5M | $59.0M | ||
| Q2 25 | $25.9M | $60.4M | ||
| Q1 25 | $23.6M | $57.0M | ||
| Q4 24 | $21.2M | $46.7M | ||
| Q3 24 | $21.9M | $46.1M | ||
| Q2 24 | $21.9M | $49.4M | ||
| Q1 24 | $22.1M | $49.2M |
净利润BWFGRGS
| Q4 25 | — | $456.0K | ||
| Q3 25 | $10.1M | $1.4M | ||
| Q2 25 | $9.1M | $116.5M | ||
| Q1 25 | $6.9M | $250.0K | ||
| Q4 24 | — | $7.6M | ||
| Q3 24 | $1.9M | $-853.0K | ||
| Q2 24 | $1.1M | $91.2M | ||
| Q1 24 | $3.8M | $-2.3M |
营业利润率BWFGRGS
| Q4 25 | 46.9% | 10.8% | ||
| Q3 25 | 47.3% | 10.0% | ||
| Q2 25 | 45.5% | 12.1% | ||
| Q1 25 | 38.0% | 8.8% | ||
| Q4 24 | 19.2% | 11.8% | ||
| Q3 24 | 12.4% | 4.6% | ||
| Q2 24 | 6.7% | — | ||
| Q1 24 | 23.0% | 8.3% |
净利率BWFGRGS
| Q4 25 | — | 0.8% | ||
| Q3 25 | 35.4% | 2.3% | ||
| Q2 25 | 35.0% | 192.9% | ||
| Q1 25 | 29.2% | 0.4% | ||
| Q4 24 | — | 16.4% | ||
| Q3 24 | 8.8% | -1.9% | ||
| Q2 24 | 5.1% | 184.7% | ||
| Q1 24 | 17.1% | -4.7% |
每股收益（稀释后）BWFGRGS
| Q4 25 | $1.16 | $0.16 | ||
| Q3 25 | $1.27 | $0.49 | ||
| Q2 25 | $1.15 | $43.67 | ||
| Q1 25 | $0.87 | $0.08 | ||
| Q4 24 | $0.37 | $2.71 | ||
| Q3 24 | $0.24 | $-0.36 | ||
| Q2 24 | $0.14 | $38.40 | ||
| Q1 24 | $0.48 | $-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 | $192.1M | $18.4M |
| 总债务越低越好 | — | $113.3M |
| 股东权益账面价值 | $301.5M | $188.7M |
| 总资产 | $3.4B | $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BWFGRGS
| Q4 25 | $192.1M | $18.4M | ||
| Q3 25 | $128.2M | $16.6M | ||
| Q2 25 | $142.6M | $17.0M | ||
| Q1 25 | $136.0M | $13.3M | ||
| Q4 24 | $146.1M | $10.2M | ||
| Q3 24 | $145.9M | $6.3M | ||
| Q2 24 | $138.0M | $10.1M | ||
| Q1 24 | $126.2M | $5.9M |
总债务BWFGRGS
| 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BWFGRGS
| Q4 25 | $301.5M | $188.7M | ||
| Q3 25 | $292.8M | $187.6M | ||
| Q2 25 | $283.3M | $185.6M | ||
| Q1 25 | $275.2M | $68.6M | ||
| Q4 24 | $270.5M | $66.7M | ||
| Q3 24 | $267.9M | $56.4M | ||
| Q2 24 | $267.0M | $56.8M | ||
| Q1 24 | $268.0M | $-35.8M |
总资产BWFGRGS
| Q4 25 | $3.4B | $588.3M | ||
| Q3 25 | $3.2B | $592.1M | ||
| Q2 25 | $3.2B | $599.0M | ||
| Q1 25 | $3.2B | $511.2M | ||
| Q4 24 | $3.3B | $530.1M | ||
| Q3 24 | $3.2B | $508.9M | ||
| Q2 24 | $3.1B | $530.5M | ||
| Q1 24 | $3.2B | $543.7M |
负债/权益比BWFGRGS
| 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 | $28.3M | $1.7M |
| 自由现金流经营现金流 - 资本支出 | $27.1M | $891.0K |
| 自由现金流率自由现金流/营收 | 89.5% | 1.6% |
| 资本支出强度资本支出/营收 | 3.8% | 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 | $47.0M | $14.9M |
8季度趋势，按日历期对齐
经营现金流BWFGRGS
| Q4 25 | $28.3M | $1.7M | ||
| Q3 25 | $10.3M | $2.3M | ||
| Q2 25 | $6.5M | $6.8M | ||
| Q1 25 | $3.9M | $6.2M | ||
| Q4 24 | $29.9M | $2.1M | ||
| Q3 24 | $-557.0K | $-1.3M | ||
| Q2 24 | $7.1M | $5.1M | ||
| Q1 24 | $9.0M | $-277.0K |
自由现金流BWFGRGS
| Q4 25 | $27.1M | $891.0K | ||
| Q3 25 | $9.9M | $1.9M | ||
| Q2 25 | $6.1M | $6.2M | ||
| Q1 25 | $3.8M | $5.9M | ||
| Q4 24 | $29.3M | $1.7M | ||
| Q3 24 | $-672.0K | $-1.4M | ||
| Q2 24 | $6.8M | $5.1M | ||
| Q1 24 | $8.9M | $-326.0K |
自由现金流率BWFGRGS
| Q4 25 | 89.5% | 1.6% | ||
| Q3 25 | 34.9% | 3.2% | ||
| Q2 25 | 23.5% | 10.3% | ||
| Q1 25 | 16.2% | 10.3% | ||
| Q4 24 | 138.6% | 3.6% | ||
| Q3 24 | -3.1% | -3.0% | ||
| Q2 24 | 31.0% | 10.3% | ||
| Q1 24 | 40.5% | -0.7% |
资本支出强度BWFGRGS
| Q4 25 | 3.8% | 1.4% | ||
| Q3 25 | 1.4% | 0.7% | ||
| Q2 25 | 1.5% | 0.9% | ||
| Q1 25 | 0.4% | 0.6% | ||
| Q4 24 | 2.9% | 0.9% | ||
| Q3 24 | 0.5% | 0.0% | ||
| Q2 24 | 1.7% | 0.0% | ||
| Q1 24 | 0.4% | 0.1% |
现金转化率BWFGRGS
| Q4 25 | — | 3.65× | ||
| Q3 25 | 1.03× | 1.68× | ||
| Q2 25 | 0.71× | 0.06× | ||
| Q1 25 | 0.57× | 24.80× | ||
| Q4 24 | — | 0.28× | ||
| Q3 24 | -0.29× | — | ||
| Q2 24 | 6.39× | 0.06× | ||
| Q1 24 | 2.40× | — |
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
BWFG
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% |
