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BYLINE BANCORP, INC.（BY）与REGIS CORP（RGS）财务数据对比。点击上方公司名可切换其他公司
BYLINE BANCORP, INC.的季度营收约是REGIS CORP的2.0倍（$112.4M vs $57.1M），BYLINE BANCORP, INC.净利率更高（33.4% vs 0.8%，领先32.6%），REGIS CORP同比增速更快（22.3% vs 9.0%），过去两年REGIS CORP的营收复合增速更高（7.8% vs 6.4%）
Byline Bank是总部位于美国伊利诺伊州芝加哥的银行，为银行控股公司Byline Bancorp, Inc.的核心子公司，同时是全美SBA 7(a)贷款项目的第四大放贷机构，为客户提供专业的银行及融资相关服务。
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。
BY vs RGS — 直观对比
营收规模更大
BY
是对方的2.0倍
$57.1M
营收增速更快
RGS
高出13.2%
9.0%
净利率更高
BY
高出32.6%
0.8%
两年增速更快
RGS
近两年复合增速
6.4%
损益表 — Q1 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $112.4M | $57.1M |
| 净利润 | $37.6M | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | — | 10.8% |
| 净利率 | 33.4% | 0.8% |
| 营收同比 | 9.0% | 22.3% |
| 净利润同比 | 33.0% | -94.0% |
| 每股收益（稀释后） | $0.83 | $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BYRGS
| Q1 26 | $112.4M | — | ||
| Q4 25 | $117.0M | $57.1M | ||
| Q3 25 | $115.7M | $59.0M | ||
| Q2 25 | $110.5M | $60.4M | ||
| Q1 25 | $103.1M | $57.0M | ||
| Q4 24 | $104.7M | $46.7M | ||
| Q3 24 | $101.8M | $46.1M | ||
| Q2 24 | $99.4M | $49.4M |
净利润BYRGS
| Q1 26 | $37.6M | — | ||
| Q4 25 | $34.5M | $456.0K | ||
| Q3 25 | $37.2M | $1.4M | ||
| Q2 25 | $30.1M | $116.5M | ||
| Q1 25 | $28.2M | $250.0K | ||
| Q4 24 | $30.3M | $7.6M | ||
| Q3 24 | $30.3M | $-853.0K | ||
| Q2 24 | $29.7M | $91.2M |
营业利润率BYRGS
| Q1 26 | — | — | ||
| Q4 25 | 40.1% | 10.8% | ||
| Q3 25 | 43.1% | 10.0% | ||
| Q2 25 | 35.2% | 12.1% | ||
| Q1 25 | 36.4% | 8.8% | ||
| Q4 24 | 38.6% | 11.8% | ||
| Q3 24 | 39.3% | 4.6% | ||
| Q2 24 | 40.4% | — |
净利率BYRGS
| Q1 26 | 33.4% | — | ||
| Q4 25 | 34.1% | 0.8% | ||
| Q3 25 | 32.1% | 2.3% | ||
| Q2 25 | 27.2% | 192.9% | ||
| Q1 25 | 27.4% | 0.4% | ||
| Q4 24 | 34.3% | 16.4% | ||
| Q3 24 | 29.8% | -1.9% | ||
| Q2 24 | 29.9% | 184.7% |
每股收益（稀释后）BYRGS
| Q1 26 | $0.83 | — | ||
| Q4 25 | $0.77 | $0.16 | ||
| Q3 25 | $0.82 | $0.49 | ||
| Q2 25 | $0.66 | $43.67 | ||
| Q1 25 | $0.64 | $0.08 | ||
| Q4 24 | $0.68 | $2.71 | ||
| Q3 24 | $0.69 | $-0.36 | ||
| Q2 24 | $0.68 | $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 | $198.4M | $18.4M |
| 总债务越低越好 | — | $113.3M |
| 股东权益账面价值 | $1.3B | $188.7M |
| 总资产 | $9.9B | $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BYRGS
| Q1 26 | $198.4M | — | ||
| Q4 25 | $149.1M | $18.4M | ||
| Q3 25 | $259.0M | $16.6M | ||
| Q2 25 | $218.3M | $17.0M | ||
| Q1 25 | $421.3M | $13.3M | ||
| Q4 24 | $563.1M | $10.2M | ||
| Q3 24 | $452.6M | $6.3M | ||
| Q2 24 | $730.5M | $10.1M |
总债务BYRGS
| 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BYRGS
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.3B | $188.7M | ||
| Q3 25 | $1.2B | $187.6M | ||
| Q2 25 | $1.2B | $185.6M | ||
| Q1 25 | $1.1B | $68.6M | ||
| Q4 24 | $1.1B | $66.7M | ||
| Q3 24 | $1.1B | $56.4M | ||
| Q2 24 | $1.0B | $56.8M |
总资产BYRGS
| Q1 26 | $9.9B | — | ||
| Q4 25 | $9.7B | $588.3M | ||
| Q3 25 | $9.8B | $592.1M | ||
| Q2 25 | $9.7B | $599.0M | ||
| Q1 25 | $9.6B | $511.2M | ||
| Q4 24 | $9.5B | $530.1M | ||
| Q3 24 | $9.4B | $508.9M | ||
| Q2 24 | $9.6B | $530.5M |
负债/权益比BYRGS
| 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BYRGS
| Q1 26 | — | — | ||
| Q4 25 | $140.3M | $1.7M | ||
| Q3 25 | $38.3M | $2.3M | ||
| Q2 25 | $16.3M | $6.8M | ||
| Q1 25 | $27.1M | $6.2M | ||
| Q4 24 | $175.2M | $2.1M | ||
| Q3 24 | $19.8M | $-1.3M | ||
| Q2 24 | $40.1M | $5.1M |
自由现金流BYRGS
| Q1 26 | — | — | ||
| Q4 25 | $136.3M | $891.0K | ||
| Q3 25 | $38.0M | $1.9M | ||
| Q2 25 | $15.2M | $6.2M | ||
| Q1 25 | $25.0M | $5.9M | ||
| Q4 24 | $171.2M | $1.7M | ||
| Q3 24 | $19.1M | $-1.4M | ||
| Q2 24 | $39.4M | $5.1M |
自由现金流率BYRGS
| Q1 26 | — | — | ||
| Q4 25 | 116.5% | 1.6% | ||
| Q3 25 | 32.8% | 3.2% | ||
| Q2 25 | 13.7% | 10.3% | ||
| Q1 25 | 24.3% | 10.3% | ||
| Q4 24 | 163.5% | 3.6% | ||
| Q3 24 | 18.8% | -3.0% | ||
| Q2 24 | 39.7% | 10.3% |
资本支出强度BYRGS
| Q1 26 | — | — | ||
| Q4 25 | 3.4% | 1.4% | ||
| Q3 25 | 0.3% | 0.7% | ||
| Q2 25 | 1.0% | 0.9% | ||
| Q1 25 | 2.0% | 0.6% | ||
| Q4 24 | 3.8% | 0.9% | ||
| Q3 24 | 0.6% | 0.0% | ||
| Q2 24 | 0.7% | 0.0% |
现金转化率BYRGS
| Q1 26 | — | — | ||
| Q4 25 | 4.06× | 3.65× | ||
| Q3 25 | 1.03× | 1.68× | ||
| Q2 25 | 0.54× | 0.06× | ||
| Q1 25 | 0.96× | 24.80× | ||
| Q4 24 | 5.78× | 0.28× | ||
| Q3 24 | 0.65× | — | ||
| Q2 24 | 1.35× | 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
BY
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% |
