vs
COLONY BANKCORP INC（CBAN）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COLONY BANKCORP INC的1.4倍（$57.1M vs $39.9M），COLONY BANKCORP INC净利率更高（20.6% vs 0.8%，领先19.8%），过去两年COLONY BANKCORP INC的营收复合增速更高（19.6% vs 7.8%）
Colony Bankcorp Inc是总部位于美国的银行控股公司，旗下运营Colony Bank，主要面向佐治亚州的个人消费者与中小企业，提供储蓄账户、贷款、抵押及财富管理等全方位个人及商业金融服务。
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。
CBAN vs RGS — 直观对比
营收规模更大
RGS
是对方的1.4倍
$39.9M
净利率更高
CBAN
高出19.8%
0.8%
两年增速更快
CBAN
近两年复合增速
7.8%
损益表 — Q1 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $39.9M | $57.1M |
| 净利润 | $8.2M | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | — | 10.8% |
| 净利率 | 20.6% | 0.8% |
| 营收同比 | — | 22.3% |
| 净利润同比 | 24.1% | -94.0% |
| 每股收益（稀释后） | — | $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CBANRGS
| Q1 26 | $39.9M | — | ||
| Q4 25 | $36.9M | $57.1M | ||
| Q3 25 | $32.8M | $59.0M | ||
| Q2 25 | $32.5M | $60.4M | ||
| Q1 25 | $30.0M | $57.0M | ||
| Q4 24 | $30.8M | $46.7M | ||
| Q3 24 | $28.6M | $46.1M | ||
| Q2 24 | $27.9M | $49.4M |
净利润CBANRGS
| Q1 26 | $8.2M | — | ||
| Q4 25 | — | $456.0K | ||
| Q3 25 | $5.8M | $1.4M | ||
| Q2 25 | $8.0M | $116.5M | ||
| Q1 25 | $6.6M | $250.0K | ||
| Q4 24 | — | $7.6M | ||
| Q3 24 | $5.6M | $-853.0K | ||
| Q2 24 | $5.5M | $91.2M |
营业利润率CBANRGS
| Q1 26 | — | — | ||
| Q4 25 | 25.9% | 10.8% | ||
| Q3 25 | 22.2% | 10.0% | ||
| Q2 25 | 30.9% | 12.1% | ||
| Q1 25 | 27.6% | 8.8% | ||
| Q4 24 | 28.8% | 11.8% | ||
| Q3 24 | 24.6% | 4.6% | ||
| Q2 24 | 24.8% | — |
净利率CBANRGS
| Q1 26 | 20.6% | — | ||
| Q4 25 | — | 0.8% | ||
| Q3 25 | 17.7% | 2.3% | ||
| Q2 25 | 24.6% | 192.9% | ||
| Q1 25 | 22.0% | 0.4% | ||
| Q4 24 | — | 16.4% | ||
| Q3 24 | 19.7% | -1.9% | ||
| Q2 24 | 19.6% | 184.7% |
每股收益（稀释后）CBANRGS
| Q1 26 | — | — | ||
| Q4 25 | $0.42 | $0.16 | ||
| Q3 25 | $0.33 | $0.49 | ||
| Q2 25 | $0.46 | $43.67 | ||
| Q1 25 | $0.38 | $0.08 | ||
| Q4 24 | $0.43 | $2.71 | ||
| Q3 24 | $0.32 | $-0.36 | ||
| Q2 24 | $0.31 | $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 | $295.8M | $18.4M |
| 总债务越低越好 | — | $113.3M |
| 股东权益账面价值 | $380.4M | $188.7M |
| 总资产 | $3.7B | $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CBANRGS
| Q1 26 | $295.8M | — | ||
| 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CBANRGS
| Q1 26 | — | — | ||
| Q4 25 | $258.1M | $113.3M | ||
| Q3 25 | — | $111.3M | ||
| Q2 25 | — | $110.8M | ||
| Q1 25 | — | $112.0M | ||
| Q4 24 | $248.0M | $111.5M | ||
| Q3 24 | — | $95.2M | ||
| Q2 24 | — | $99.5M |
股东权益CBANRGS
| Q1 26 | $380.4M | — | ||
| Q4 25 | $375.9M | $188.7M | ||
| Q3 25 | $302.3M | $187.6M | ||
| Q2 25 | $293.9M | $185.6M | ||
| Q1 25 | $286.9M | $68.6M | ||
| Q4 24 | $278.7M | $66.7M | ||
| Q3 24 | $276.1M | $56.4M | ||
| Q2 24 | $264.7M | $56.8M |
总资产CBANRGS
| Q1 26 | $3.7B | — | ||
| Q4 25 | $3.7B | $588.3M | ||
| Q3 25 | $3.2B | $592.1M | ||
| Q2 25 | $3.1B | $599.0M | ||
| Q1 25 | $3.2B | $511.2M | ||
| Q4 24 | $3.1B | $530.1M | ||
| Q3 24 | $3.1B | $508.9M | ||
| Q2 24 | $3.0B | $530.5M |
负债/权益比CBANRGS
| Q1 26 | — | — | ||
| Q4 25 | 0.69× | 0.60× | ||
| Q3 25 | — | 0.59× | ||
| Q2 25 | — | 0.60× | ||
| Q1 25 | — | 1.63× | ||
| Q4 24 | 0.89× | 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CBANRGS
| Q1 26 | — | — | ||
| Q4 25 | $-5.5M | $1.7M | ||
| Q3 25 | $14.4M | $2.3M | ||
| Q2 25 | $15.8M | $6.8M | ||
| Q1 25 | $17.9M | $6.2M | ||
| Q4 24 | $23.4M | $2.1M | ||
| Q3 24 | $20.5M | $-1.3M | ||
| Q2 24 | $1.1M | $5.1M |
自由现金流CBANRGS
| Q1 26 | — | — | ||
| Q4 25 | $-6.9M | $891.0K | ||
| Q3 25 | $14.1M | $1.9M | ||
| Q2 25 | $15.8M | $6.2M | ||
| Q1 25 | $17.6M | $5.9M | ||
| Q4 24 | $22.3M | $1.7M | ||
| Q3 24 | $20.2M | $-1.4M | ||
| Q2 24 | $990.0K | $5.1M |
自由现金流率CBANRGS
| Q1 26 | — | — | ||
| Q4 25 | -18.7% | 1.6% | ||
| Q3 25 | 42.9% | 3.2% | ||
| Q2 25 | 48.5% | 10.3% | ||
| Q1 25 | 58.7% | 10.3% | ||
| Q4 24 | 72.5% | 3.6% | ||
| Q3 24 | 70.6% | -3.0% | ||
| Q2 24 | 3.5% | 10.3% |
资本支出强度CBANRGS
| Q1 26 | — | — | ||
| Q4 25 | 3.7% | 1.4% | ||
| Q3 25 | 1.1% | 0.7% | ||
| Q2 25 | 0.3% | 0.9% | ||
| Q1 25 | 1.2% | 0.6% | ||
| Q4 24 | 3.5% | 0.9% | ||
| Q3 24 | 1.0% | 0.0% | ||
| Q2 24 | 0.5% | 0.0% |
现金转化率CBANRGS
| Q1 26 | — | — | ||
| Q4 25 | — | 3.65× | ||
| Q3 25 | 2.48× | 1.68× | ||
| Q2 25 | 1.99× | 0.06× | ||
| Q1 25 | 2.71× | 24.80× | ||
| Q4 24 | — | 0.28× | ||
| Q3 24 | 3.64× | — | ||
| Q2 24 | 0.20× | 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
CBAN
| Net Interest Income | $29.2M | 73% |
| Noninterest Income | $10.7M | 27% |
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
