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CNB FINANCIAL CORP（CCNE）与REGIS CORP（RGS）财务数据对比。点击上方公司名可切换其他公司
CNB FINANCIAL CORP的季度营收约是REGIS CORP的1.5倍（$86.4M vs $57.1M），CNB FINANCIAL CORP净利率更高（24.0% vs 0.8%，领先23.2%），CNB FINANCIAL CORP同比增速更快（45.5% vs 22.3%），CNB FINANCIAL CORP自由现金流更多（$58.7M vs $891.0K），过去两年CNB FINANCIAL CORP的营收复合增速更高（26.3% vs 7.8%）
CNB金融集团（宾夕法尼亚州）是美国区域性银行控股企业，总部位于宾州，提供零售及商业银行服务，涵盖储蓄账户、个人及商业贷款、财富管理等产品，服务区域覆盖宾州、俄亥俄州及西弗吉尼亚州，客户包括个人消费者和中小微企业。
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。
CCNE vs RGS — 直观对比
营收规模更大
CCNE
是对方的1.5倍
$57.1M
营收增速更快
CCNE
高出23.2%
22.3%
净利率更高
CCNE
高出23.2%
0.8%
自由现金流更多
CCNE
多$57.8M
$891.0K
两年增速更快
CCNE
近两年复合增速
7.8%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $86.4M | $57.1M |
| 净利润 | $20.7M | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | 48.4% | 10.8% |
| 净利率 | 24.0% | 0.8% |
| 营收同比 | 45.5% | 22.3% |
| 净利润同比 | 37.4% | -94.0% |
| 每股收益（稀释后） | $0.69 | $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CCNERGS
| Q4 25 | $86.4M | $57.1M | ||
| Q3 25 | $77.7M | $59.0M | ||
| Q2 25 | $61.2M | $60.4M | ||
| Q1 25 | $56.9M | $57.0M | ||
| Q4 24 | $59.4M | $46.7M | ||
| Q3 24 | $58.5M | $46.1M | ||
| Q2 24 | $54.6M | $49.4M | ||
| Q1 24 | $54.2M | $49.2M |
净利润CCNERGS
| Q4 25 | $20.7M | $456.0K | ||
| Q3 25 | $20.0M | $1.4M | ||
| Q2 25 | $14.0M | $116.5M | ||
| Q1 25 | $11.5M | $250.0K | ||
| Q4 24 | $15.1M | $7.6M | ||
| Q3 24 | $14.0M | $-853.0K | ||
| Q2 24 | $13.0M | $91.2M | ||
| Q1 24 | $12.6M | $-2.3M |
营业利润率CCNERGS
| Q4 25 | 48.4% | 10.8% | ||
| Q3 25 | 11.7% | 10.0% | ||
| Q2 25 | 28.2% | 12.1% | ||
| Q1 25 | 25.2% | 8.8% | ||
| Q4 24 | 31.4% | 11.8% | ||
| Q3 24 | 29.6% | 4.6% | ||
| Q2 24 | 29.3% | — | ||
| Q1 24 | 28.5% | 8.3% |
净利率CCNERGS
| Q4 25 | 24.0% | 0.8% | ||
| Q3 25 | 25.7% | 2.3% | ||
| Q2 25 | 22.8% | 192.9% | ||
| Q1 25 | 20.2% | 0.4% | ||
| Q4 24 | 25.4% | 16.4% | ||
| Q3 24 | 23.9% | -1.9% | ||
| Q2 24 | 23.7% | 184.7% | ||
| Q1 24 | 23.3% | -4.7% |
每股收益（稀释后）CCNERGS
| Q4 25 | $0.69 | $0.16 | ||
| Q3 25 | $0.69 | $0.49 | ||
| Q2 25 | $0.61 | $43.67 | ||
| Q1 25 | $0.50 | $0.08 | ||
| Q4 24 | $0.67 | $2.71 | ||
| Q3 24 | $0.61 | $-0.36 | ||
| Q2 24 | $0.56 | $38.40 | ||
| Q1 24 | $0.55 | $-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 | $527.9M | $18.4M |
| 总债务越低越好 | $84.9M | $113.3M |
| 股东权益账面价值 | $872.1M | $188.7M |
| 总资产 | $8.4B | $588.3M |
| 负债/权益比越低杠杆越低 | 0.10× | 0.60× |
8季度趋势，按日历期对齐
现金及短期投资CCNERGS
| Q4 25 | $527.9M | $18.4M | ||
| Q3 25 | $438.1M | $16.6M | ||
| Q2 25 | $425.4M | $17.0M | ||
| Q1 25 | $520.2M | $13.3M | ||
| Q4 24 | $443.0M | $10.2M | ||
| Q3 24 | $360.9M | $6.3M | ||
| Q2 24 | $331.1M | $10.1M | ||
| Q1 24 | $301.5M | $5.9M |
总债务CCNERGS
| Q4 25 | $84.9M | $113.3M | ||
| Q3 25 | $84.8M | $111.3M | ||
| Q2 25 | $84.7M | $110.8M | ||
| Q1 25 | $84.6M | $112.0M | ||
| Q4 24 | $84.6M | $111.5M | ||
| Q3 24 | $84.5M | $95.2M | ||
| Q2 24 | $84.4M | $99.5M | ||
| Q1 24 | $84.3M | $179.7M |
股东权益CCNERGS
| Q4 25 | $872.1M | $188.7M | ||
| Q3 25 | $844.2M | $187.6M | ||
| Q2 25 | $637.3M | $185.6M | ||
| Q1 25 | $624.5M | $68.6M | ||
| Q4 24 | $610.7M | $66.7M | ||
| Q3 24 | $606.4M | $56.4M | ||
| Q2 24 | $586.7M | $56.8M | ||
| Q1 24 | $578.6M | $-35.8M |
总资产CCNERGS
| Q4 25 | $8.4B | $588.3M | ||
| Q3 25 | $8.3B | $592.1M | ||
| Q2 25 | $6.3B | $599.0M | ||
| Q1 25 | $6.3B | $511.2M | ||
| Q4 24 | $6.2B | $530.1M | ||
| Q3 24 | $6.0B | $508.9M | ||
| Q2 24 | $5.9B | $530.5M | ||
| Q1 24 | $5.8B | $543.7M |
负债/权益比CCNERGS
| Q4 25 | 0.10× | 0.60× | ||
| Q3 25 | 0.10× | 0.59× | ||
| Q2 25 | 0.13× | 0.60× | ||
| Q1 25 | 0.14× | 1.63× | ||
| Q4 24 | 0.14× | 1.67× | ||
| Q3 24 | 0.14× | 1.69× | ||
| Q2 24 | 0.14× | 1.75× | ||
| Q1 24 | 0.15× | — |
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 | $65.0M | $1.7M |
| 自由现金流经营现金流 - 资本支出 | $58.7M | $891.0K |
| 自由现金流率自由现金流/营收 | 67.9% | 1.6% |
| 资本支出强度资本支出/营收 | 7.3% | 1.4% |
| 现金转化率经营现金流/净利润 | 3.14× | 3.65× |
| 过去12个月自由现金流最近4个季度 | $91.3M | $14.9M |
8季度趋势，按日历期对齐
经营现金流CCNERGS
| Q4 25 | $65.0M | $1.7M | ||
| Q3 25 | $7.0M | $2.3M | ||
| Q2 25 | $20.2M | $6.8M | ||
| Q1 25 | $11.6M | $6.2M | ||
| Q4 24 | $71.5M | $2.1M | ||
| Q3 24 | $26.4M | $-1.3M | ||
| Q2 24 | $10.4M | $5.1M | ||
| Q1 24 | $12.5M | $-277.0K |
自由现金流CCNERGS
| Q4 25 | $58.7M | $891.0K | ||
| Q3 25 | $4.9M | $1.9M | ||
| Q2 25 | $17.9M | $6.2M | ||
| Q1 25 | $9.9M | $5.9M | ||
| Q4 24 | $55.2M | $1.7M | ||
| Q3 24 | $22.2M | $-1.4M | ||
| Q2 24 | $4.1M | $5.1M | ||
| Q1 24 | $10.0M | $-326.0K |
自由现金流率CCNERGS
| Q4 25 | 67.9% | 1.6% | ||
| Q3 25 | 6.4% | 3.2% | ||
| Q2 25 | 29.2% | 10.3% | ||
| Q1 25 | 17.3% | 10.3% | ||
| Q4 24 | 93.0% | 3.6% | ||
| Q3 24 | 38.0% | -3.0% | ||
| Q2 24 | 7.6% | 10.3% | ||
| Q1 24 | 18.5% | -0.7% |
资本支出强度CCNERGS
| Q4 25 | 7.3% | 1.4% | ||
| Q3 25 | 2.7% | 0.7% | ||
| Q2 25 | 3.9% | 0.9% | ||
| Q1 25 | 3.0% | 0.6% | ||
| Q4 24 | 27.4% | 0.9% | ||
| Q3 24 | 7.1% | 0.0% | ||
| Q2 24 | 11.6% | 0.0% | ||
| Q1 24 | 4.5% | 0.1% |
现金转化率CCNERGS
| Q4 25 | 3.14× | 3.65× | ||
| Q3 25 | 0.35× | 1.68× | ||
| Q2 25 | 1.45× | 0.06× | ||
| Q1 25 | 1.01× | 24.80× | ||
| Q4 24 | 4.75× | 0.28× | ||
| Q3 24 | 1.89× | — | ||
| Q2 24 | 0.81× | 0.06× | ||
| Q1 24 | 0.99× | — |
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
CCNE
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% |
