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CIVISTA BANCSHARES, INC.（CIVB）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CIVISTA BANCSHARES, INC.的1.2倍（$57.1M vs $47.3M），CIVISTA BANCSHARES, INC.净利率更高（31.7% vs 0.8%，领先30.9%），过去两年CIVISTA BANCSHARES, INC.的营收复合增速更高（11.3% vs 7.8%）
Civista Bancshares Inc.是一家总部位于美国的银行控股公司，主要在中西部地区运营，面向零售客户、本地中小企业及社区群体提供个人与商业银行服务，包括存款账户、各类贷款产品及财富管理解决方案。
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。
CIVB vs RGS — 直观对比
营收规模更大
RGS
是对方的1.2倍
$47.3M
净利率更高
CIVB
高出30.9%
0.8%
两年增速更快
CIVB
近两年复合增速
7.8%
损益表 — Q1 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $47.3M | $57.1M |
| 净利润 | $15.0M | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | — | 10.8% |
| 净利率 | 31.7% | 0.8% |
| 营收同比 | — | 22.3% |
| 净利润同比 | 47.4% | -94.0% |
| 每股收益（稀释后） | $0.72 | $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CIVBRGS
| Q1 26 | $47.3M | — | ||
| Q4 25 | $46.3M | $57.1M | ||
| Q3 25 | $44.2M | $59.0M | ||
| Q2 25 | $41.4M | $60.4M | ||
| Q1 25 | $40.6M | $57.0M | ||
| Q4 24 | $40.4M | $46.7M | ||
| Q3 24 | $39.3M | $46.1M | ||
| Q2 24 | $38.1M | $49.4M |
净利润CIVBRGS
| Q1 26 | $15.0M | — | ||
| Q4 25 | — | $456.0K | ||
| Q3 25 | $12.8M | $1.4M | ||
| Q2 25 | $11.0M | $116.5M | ||
| Q1 25 | $10.2M | $250.0K | ||
| Q4 24 | — | $7.6M | ||
| Q3 24 | $8.4M | $-853.0K | ||
| Q2 24 | $7.1M | $91.2M |
营业利润率CIVBRGS
| Q1 26 | — | — | ||
| Q4 25 | 31.8% | 10.8% | ||
| Q3 25 | 35.4% | 10.0% | ||
| Q2 25 | 31.1% | 12.1% | ||
| Q1 25 | 29.4% | 8.8% | ||
| Q4 24 | 28.2% | 11.8% | ||
| Q3 24 | 25.2% | 4.6% | ||
| Q2 24 | 21.2% | — |
净利率CIVBRGS
| Q1 26 | 31.7% | — | ||
| Q4 25 | — | 0.8% | ||
| Q3 25 | 28.9% | 2.3% | ||
| Q2 25 | 26.6% | 192.9% | ||
| Q1 25 | 25.0% | 0.4% | ||
| Q4 24 | — | 16.4% | ||
| Q3 24 | 21.3% | -1.9% | ||
| Q2 24 | 18.5% | 184.7% |
每股收益（稀释后）CIVBRGS
| Q1 26 | $0.72 | — | ||
| Q4 25 | $0.59 | $0.16 | ||
| Q3 25 | $0.68 | $0.49 | ||
| Q2 25 | $0.71 | $43.67 | ||
| Q1 25 | $0.66 | $0.08 | ||
| Q4 24 | $0.62 | $2.71 | ||
| Q3 24 | $0.53 | $-0.36 | ||
| Q2 24 | $0.45 | $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 | $553.9M | $188.7M |
| 总资产 | $4.3B | $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CIVBRGS
| 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CIVBRGS
| 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CIVBRGS
| Q1 26 | $553.9M | — | ||
| Q4 25 | $543.5M | $188.7M | ||
| Q3 25 | $499.0M | $187.6M | ||
| Q2 25 | $404.1M | $185.6M | ||
| Q1 25 | $397.4M | $68.6M | ||
| Q4 24 | $388.5M | $66.7M | ||
| Q3 24 | $394.4M | $56.4M | ||
| Q2 24 | $373.8M | $56.8M |
总资产CIVBRGS
| Q1 26 | $4.3B | — | ||
| Q4 25 | $4.3B | $588.3M | ||
| Q3 25 | $4.1B | $592.1M | ||
| Q2 25 | $4.2B | $599.0M | ||
| Q1 25 | $4.1B | $511.2M | ||
| Q4 24 | $4.1B | $530.1M | ||
| Q3 24 | $4.1B | $508.9M | ||
| Q2 24 | $4.0B | $530.5M |
负债/权益比CIVBRGS
| 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CIVBRGS
| Q1 26 | — | — | ||
| Q4 25 | $43.3M | $1.7M | ||
| Q3 25 | $19.0M | $2.3M | ||
| Q2 25 | $11.1M | $6.8M | ||
| Q1 25 | $3.6M | $6.2M | ||
| Q4 24 | $48.2M | $2.1M | ||
| Q3 24 | $12.9M | $-1.3M | ||
| Q2 24 | $12.2M | $5.1M |
自由现金流CIVBRGS
| Q1 26 | — | — | ||
| Q4 25 | $42.1M | $891.0K | ||
| Q3 25 | — | $1.9M | ||
| Q2 25 | — | $6.2M | ||
| Q1 25 | $3.5M | $5.9M | ||
| Q4 24 | $44.1M | $1.7M | ||
| Q3 24 | — | $-1.4M | ||
| Q2 24 | — | $5.1M |
自由现金流率CIVBRGS
| Q1 26 | — | — | ||
| Q4 25 | 90.9% | 1.6% | ||
| Q3 25 | — | 3.2% | ||
| Q2 25 | — | 10.3% | ||
| Q1 25 | 8.5% | 10.3% | ||
| Q4 24 | 109.1% | 3.6% | ||
| Q3 24 | — | -3.0% | ||
| Q2 24 | — | 10.3% |
资本支出强度CIVBRGS
| Q1 26 | — | — | ||
| Q4 25 | 2.5% | 1.4% | ||
| Q3 25 | — | 0.7% | ||
| Q2 25 | — | 0.9% | ||
| Q1 25 | 0.4% | 0.6% | ||
| Q4 24 | 10.4% | 0.9% | ||
| Q3 24 | — | 0.0% | ||
| Q2 24 | — | 0.0% |
现金转化率CIVBRGS
| Q1 26 | — | — | ||
| Q4 25 | — | 3.65× | ||
| Q3 25 | 1.49× | 1.68× | ||
| Q2 25 | 1.01× | 0.06× | ||
| Q1 25 | 0.36× | 24.80× | ||
| Q4 24 | — | 0.28× | ||
| Q3 24 | 1.54× | — | ||
| Q2 24 | 1.73× | 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
CIVB
| Net Interest Income | $37.8M | 80% |
| Noninterest Income | $9.4M | 20% |
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
