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CHOICEONE FINANCIAL SERVICES INC（COFS）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CHOICEONE FINANCIAL SERVICES INC的1.3倍（$57.1M vs $42.9M），CHOICEONE FINANCIAL SERVICES INC同比增速更快（76.4% vs 22.3%），CHOICEONE FINANCIAL SERVICES INC自由现金流更多（$25.2M vs $891.0K），过去两年CHOICEONE FINANCIAL SERVICES INC的营收复合增速更高（15.0% vs 7.8%）
ChoiceOne Financial Services Inc是一家美国区域金融控股公司，通过旗下银行子公司开展业务，主要为密歇根州的个人消费者、小微企业及企业客户提供储蓄账户、贷款、财富管理、保险等多元化个人及商业银行服务。
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。
COFS vs RGS — 直观对比
营收规模更大
RGS
是对方的1.3倍
$42.9M
营收增速更快
COFS
高出54.1%
22.3%
自由现金流更多
COFS
多$24.3M
$891.0K
两年增速更快
COFS
近两年复合增速
7.8%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $42.9M | $57.1M |
| 净利润 | — | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | 39.1% | 10.8% |
| 净利率 | — | 0.8% |
| 营收同比 | 76.4% | 22.3% |
| 净利润同比 | — | -94.0% |
| 每股收益（稀释后） | $1.43 | $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COFSRGS
| Q4 25 | $42.9M | $57.1M | ||
| Q3 25 | $61.8M | $59.0M | ||
| Q2 25 | $60.4M | $60.4M | ||
| Q1 25 | $44.9M | $57.0M | ||
| Q4 24 | $24.3M | $46.7M | ||
| Q3 24 | $36.6M | $46.1M | ||
| Q2 24 | $34.0M | $49.4M | ||
| Q1 24 | $32.5M | $49.2M |
净利润COFSRGS
| Q4 25 | — | $456.0K | ||
| Q3 25 | $14.7M | $1.4M | ||
| Q2 25 | $13.5M | $116.5M | ||
| Q1 25 | $-13.9M | $250.0K | ||
| Q4 24 | — | $7.6M | ||
| Q3 24 | $7.3M | $-853.0K | ||
| Q2 24 | $6.6M | $91.2M | ||
| Q1 24 | $5.6M | $-2.3M |
营业利润率COFSRGS
| Q4 25 | 39.1% | 10.8% | ||
| Q3 25 | 29.6% | 10.0% | ||
| Q2 25 | 27.6% | 12.1% | ||
| Q1 25 | -39.2% | 8.8% | ||
| Q4 24 | 36.1% | 11.8% | ||
| Q3 24 | 25.4% | 4.6% | ||
| Q2 24 | 24.0% | — | ||
| Q1 24 | 21.1% | 8.3% |
净利率COFSRGS
| Q4 25 | — | 0.8% | ||
| Q3 25 | 23.7% | 2.3% | ||
| Q2 25 | 22.4% | 192.9% | ||
| Q1 25 | -31.0% | 0.4% | ||
| Q4 24 | — | 16.4% | ||
| Q3 24 | 20.1% | -1.9% | ||
| Q2 24 | 19.4% | 184.7% | ||
| Q1 24 | 17.3% | -4.7% |
每股收益（稀释后）COFSRGS
| Q4 25 | $1.43 | $0.16 | ||
| Q3 25 | $0.97 | $0.49 | ||
| Q2 25 | $0.90 | $43.67 | ||
| Q1 25 | $-1.29 | $0.08 | ||
| Q4 24 | $0.79 | $2.71 | ||
| Q3 24 | $0.85 | $-0.36 | ||
| Q2 24 | $0.87 | $38.40 | ||
| Q1 24 | $0.74 | $-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 | $88.0M | $18.4M |
| 总债务越低越好 | — | $113.3M |
| 股东权益账面价值 | $465.4M | $188.7M |
| 总资产 | $4.4B | $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COFSRGS
| Q4 25 | $88.0M | $18.4M | ||
| Q3 25 | $99.0M | $16.6M | ||
| Q2 25 | $156.3M | $17.0M | ||
| Q1 25 | $139.4M | $13.3M | ||
| Q4 24 | $96.8M | $10.2M | ||
| Q3 24 | $145.9M | $6.3M | ||
| Q2 24 | $101.0M | $10.1M | ||
| Q1 24 | $150.1M | $5.9M |
总债务COFSRGS
| 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 | ||
| Q1 24 | — | $179.7M |
股东权益COFSRGS
| Q4 25 | $465.4M | $188.7M | ||
| Q3 25 | $449.6M | $187.6M | ||
| Q2 25 | $431.8M | $185.6M | ||
| Q1 25 | $427.1M | $68.6M | ||
| Q4 24 | $260.4M | $66.7M | ||
| Q3 24 | $247.7M | $56.4M | ||
| Q2 24 | $214.5M | $56.8M | ||
| Q1 24 | $206.8M | $-35.8M |
总资产COFSRGS
| Q4 25 | $4.4B | $588.3M | ||
| Q3 25 | $4.3B | $592.1M | ||
| Q2 25 | $4.3B | $599.0M | ||
| Q1 25 | $4.3B | $511.2M | ||
| Q4 24 | $2.7B | $530.1M | ||
| Q3 24 | $2.7B | $508.9M | ||
| Q2 24 | $2.7B | $530.5M | ||
| Q1 24 | $2.7B | $543.7M |
负债/权益比COFSRGS
| 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× | ||
| Q1 24 | — | — |
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 | $31.8M | $1.7M |
| 自由现金流经营现金流 - 资本支出 | $25.2M | $891.0K |
| 自由现金流率自由现金流/营收 | 58.7% | 1.6% |
| 资本支出强度资本支出/营收 | 15.4% | 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 | $38.5M | $14.9M |
8季度趋势，按日历期对齐
经营现金流COFSRGS
| Q4 25 | $31.8M | $1.7M | ||
| Q3 25 | $15.3M | $2.3M | ||
| Q2 25 | $9.0M | $6.8M | ||
| Q1 25 | $-6.5M | $6.2M | ||
| Q4 24 | $47.1M | $2.1M | ||
| Q3 24 | $-7.4M | $-1.3M | ||
| Q2 24 | $15.7M | $5.1M | ||
| Q1 24 | $15.3M | $-277.0K |
自由现金流COFSRGS
| Q4 25 | $25.2M | $891.0K | ||
| Q3 25 | $13.7M | $1.9M | ||
| Q2 25 | $6.9M | $6.2M | ||
| Q1 25 | $-7.3M | $5.9M | ||
| Q4 24 | $45.4M | $1.7M | ||
| Q3 24 | $-7.6M | $-1.4M | ||
| Q2 24 | $15.3M | $5.1M | ||
| Q1 24 | $15.0M | $-326.0K |
自由现金流率COFSRGS
| Q4 25 | 58.7% | 1.6% | ||
| Q3 25 | 22.1% | 3.2% | ||
| Q2 25 | 11.4% | 10.3% | ||
| Q1 25 | -16.3% | 10.3% | ||
| Q4 24 | 186.4% | 3.6% | ||
| Q3 24 | -20.8% | -3.0% | ||
| Q2 24 | 44.8% | 10.3% | ||
| Q1 24 | 46.2% | -0.7% |
资本支出强度COFSRGS
| Q4 25 | 15.4% | 1.4% | ||
| Q3 25 | 2.6% | 0.7% | ||
| Q2 25 | 3.4% | 0.9% | ||
| Q1 25 | 1.9% | 0.6% | ||
| Q4 24 | 7.0% | 0.9% | ||
| Q3 24 | 0.7% | 0.0% | ||
| Q2 24 | 1.4% | 0.0% | ||
| Q1 24 | 1.0% | 0.1% |
现金转化率COFSRGS
| Q4 25 | — | 3.65× | ||
| Q3 25 | 1.04× | 1.68× | ||
| Q2 25 | 0.66× | 0.06× | ||
| Q1 25 | — | 24.80× | ||
| Q4 24 | — | 0.28× | ||
| Q3 24 | -1.00× | — | ||
| Q2 24 | 2.39× | 0.06× | ||
| Q1 24 | 2.72× | — |
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
COFS
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% |
