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Columbia Financial, Inc.（CLBK）与REGIS CORP（RGS）财务数据对比。点击上方公司名可切换其他公司
Columbia Financial, Inc.的季度营收约是REGIS CORP的1.2倍（$68.8M vs $57.1M），Columbia Financial, Inc.净利率更高（22.8% vs 0.8%，领先22.0%），Columbia Financial, Inc.同比增速更快（29.7% vs 22.3%），Columbia Financial, Inc.自由现金流更多（$58.6M vs $891.0K），过去两年Columbia Financial, Inc.的营收复合增速更高（17.7% vs 7.8%）
哥伦比亚金融公司（CLBK）是一家美国多元化金融服务及银行控股企业，提供财富管理、资产管理、保险、年金、遗产规划在内的全方位金融规划产品与服务，满足客户不同阶段的财务规划需求。
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。
CLBK vs RGS — 直观对比
营收规模更大
CLBK
是对方的1.2倍
$57.1M
营收增速更快
CLBK
高出7.5%
22.3%
净利率更高
CLBK
高出22.0%
0.8%
自由现金流更多
CLBK
多$57.7M
$891.0K
两年增速更快
CLBK
近两年复合增速
7.8%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $68.8M | $57.1M |
| 净利润 | $15.7M | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | 28.6% | 10.8% |
| 净利率 | 22.8% | 0.8% |
| 营收同比 | 29.7% | 22.3% |
| 净利润同比 | 173.9% | -94.0% |
| 每股收益（稀释后） | $0.15 | $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CLBKRGS
| Q4 25 | $68.8M | $57.1M | ||
| Q3 25 | $67.3M | $59.0M | ||
| Q2 25 | $63.9M | $60.4M | ||
| Q1 25 | $58.8M | $57.0M | ||
| Q4 24 | $46.4M | $46.7M | ||
| Q3 24 | $54.3M | $46.1M | ||
| Q2 24 | $53.3M | $49.4M | ||
| Q1 24 | $49.7M | $49.2M |
净利润CLBKRGS
| Q4 25 | $15.7M | $456.0K | ||
| Q3 25 | $14.9M | $1.4M | ||
| Q2 25 | $12.3M | $116.5M | ||
| Q1 25 | $8.9M | $250.0K | ||
| Q4 24 | $-21.2M | $7.6M | ||
| Q3 24 | $6.2M | $-853.0K | ||
| Q2 24 | $4.5M | $91.2M | ||
| Q1 24 | $-1.2M | $-2.3M |
营业利润率CLBKRGS
| Q4 25 | 28.6% | 10.8% | ||
| Q3 25 | 29.5% | 10.0% | ||
| Q2 25 | 25.8% | 12.1% | ||
| Q1 25 | 20.4% | 8.8% | ||
| Q4 24 | -57.6% | 11.8% | ||
| Q3 24 | 13.5% | 4.6% | ||
| Q2 24 | 9.0% | — | ||
| Q1 24 | -2.6% | 8.3% |
净利率CLBKRGS
| Q4 25 | 22.8% | 0.8% | ||
| Q3 25 | 22.1% | 2.3% | ||
| Q2 25 | 19.3% | 192.9% | ||
| Q1 25 | 15.1% | 0.4% | ||
| Q4 24 | -45.7% | 16.4% | ||
| Q3 24 | 11.4% | -1.9% | ||
| Q2 24 | 8.5% | 184.7% | ||
| Q1 24 | -2.3% | -4.7% |
每股收益（稀释后）CLBKRGS
| Q4 25 | $0.15 | $0.16 | ||
| Q3 25 | $0.15 | $0.49 | ||
| Q2 25 | $0.12 | $43.67 | ||
| Q1 25 | $0.09 | $0.08 | ||
| Q4 24 | $-0.20 | $2.71 | ||
| Q3 24 | $0.06 | $-0.36 | ||
| Q2 24 | $0.04 | $38.40 | ||
| Q1 24 | $-0.01 | $-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 | $340.8M | $18.4M |
| 总债务越低越好 | $1.2B | $113.3M |
| 股东权益账面价值 | $1.2B | $188.7M |
| 总资产 | $11.0B | $588.3M |
| 负债/权益比越低杠杆越低 | 1.02× | 0.60× |
8季度趋势，按日历期对齐
现金及短期投资CLBKRGS
| Q4 25 | $340.8M | $18.4M | ||
| Q3 25 | $253.4M | $16.6M | ||
| Q2 25 | $248.2M | $17.0M | ||
| Q1 25 | $256.1M | $13.3M | ||
| Q4 24 | $289.2M | $10.2M | ||
| Q3 24 | $283.5M | $6.3M | ||
| Q2 24 | $391.1M | $10.1M | ||
| Q1 24 | $373.5M | $5.9M |
总债务CLBKRGS
| Q4 25 | $1.2B | $113.3M | ||
| Q3 25 | $1.3B | $111.3M | ||
| Q2 25 | $1.3B | $110.8M | ||
| Q1 25 | $1.1B | $112.0M | ||
| Q4 24 | $1.1B | $111.5M | ||
| Q3 24 | $1.4B | $95.2M | ||
| Q2 24 | $1.7B | $99.5M | ||
| Q1 24 | $1.5B | $179.7M |
股东权益CLBKRGS
| Q4 25 | $1.2B | $188.7M | ||
| Q3 25 | $1.1B | $187.6M | ||
| Q2 25 | $1.1B | $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 | ||
| Q1 24 | $1.0B | $-35.8M |
总资产CLBKRGS
| Q4 25 | $11.0B | $588.3M | ||
| Q3 25 | $10.9B | $592.1M | ||
| Q2 25 | $10.7B | $599.0M | ||
| Q1 25 | $10.6B | $511.2M | ||
| Q4 24 | $10.5B | $530.1M | ||
| Q3 24 | $10.7B | $508.9M | ||
| Q2 24 | $10.8B | $530.5M | ||
| Q1 24 | $10.6B | $543.7M |
负债/权益比CLBKRGS
| Q4 25 | 1.02× | 0.60× | ||
| Q3 25 | 1.11× | 0.59× | ||
| Q2 25 | 1.14× | 0.60× | ||
| Q1 25 | 1.01× | 1.63× | ||
| Q4 24 | 1.00× | 1.67× | ||
| Q3 24 | 1.32× | 1.69× | ||
| Q2 24 | 1.61× | 1.75× | ||
| Q1 24 | 1.47× | — |
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 | $68.4M | $1.7M |
| 自由现金流经营现金流 - 资本支出 | $58.6M | $891.0K |
| 自由现金流率自由现金流/营收 | 85.1% | 1.6% |
| 资本支出强度资本支出/营收 | 14.3% | 1.4% |
| 现金转化率经营现金流/净利润 | 4.36× | 3.65× |
| 过去12个月自由现金流最近4个季度 | $95.1M | $14.9M |
8季度趋势，按日历期对齐
经营现金流CLBKRGS
| Q4 25 | $68.4M | $1.7M | ||
| Q3 25 | $31.0M | $2.3M | ||
| Q2 25 | $14.6M | $6.8M | ||
| Q1 25 | $-1.6M | $6.2M | ||
| Q4 24 | $33.3M | $2.1M | ||
| Q3 24 | $-28.3M | $-1.3M | ||
| Q2 24 | $18.6M | $5.1M | ||
| Q1 24 | $14.1M | $-277.0K |
自由现金流CLBKRGS
| Q4 25 | $58.6M | $891.0K | ||
| Q3 25 | $28.1M | $1.9M | ||
| Q2 25 | $12.9M | $6.2M | ||
| Q1 25 | $-4.5M | $5.9M | ||
| Q4 24 | $25.9M | $1.7M | ||
| Q3 24 | $-31.1M | $-1.4M | ||
| Q2 24 | $17.2M | $5.1M | ||
| Q1 24 | $12.5M | $-326.0K |
自由现金流率CLBKRGS
| Q4 25 | 85.1% | 1.6% | ||
| Q3 25 | 41.8% | 3.2% | ||
| Q2 25 | 20.2% | 10.3% | ||
| Q1 25 | -7.6% | 10.3% | ||
| Q4 24 | 55.7% | 3.6% | ||
| Q3 24 | -57.3% | -3.0% | ||
| Q2 24 | 32.3% | 10.3% | ||
| Q1 24 | 25.1% | -0.7% |
资本支出强度CLBKRGS
| Q4 25 | 14.3% | 1.4% | ||
| Q3 25 | 4.2% | 0.7% | ||
| Q2 25 | 2.7% | 0.9% | ||
| Q1 25 | 4.9% | 0.6% | ||
| Q4 24 | 16.0% | 0.9% | ||
| Q3 24 | 5.1% | 0.0% | ||
| Q2 24 | 2.6% | 0.0% | ||
| Q1 24 | 3.4% | 0.1% |
现金转化率CLBKRGS
| Q4 25 | 4.36× | 3.65× | ||
| Q3 25 | 2.08× | 1.68× | ||
| Q2 25 | 1.19× | 0.06× | ||
| Q1 25 | -0.18× | 24.80× | ||
| Q4 24 | — | 0.28× | ||
| Q3 24 | -4.57× | — | ||
| Q2 24 | 4.09× | 0.06× | ||
| Q1 24 | — | — |
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
CLBK
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% |
