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COMMUNITY TRUST BANCORP INC（CTBI）与REGIS CORP（RGS）财务数据对比。点击上方公司名可切换其他公司
COMMUNITY TRUST BANCORP INC的季度营收约是REGIS CORP的1.3倍（$74.7M vs $57.1M），COMMUNITY TRUST BANCORP INC净利率更高（36.5% vs 0.8%，领先35.7%），REGIS CORP同比增速更快（22.3% vs 13.8%），COMMUNITY TRUST BANCORP INC自由现金流更多（$97.4M vs $891.0K），过去两年COMMUNITY TRUST BANCORP INC的营收复合增速更高（12.8% vs 7.8%）
社区信托银行集团是一家美国区域性银行控股公司，其前身是1903年成立的派克维尔国家银行，总部位于阿巴拉契亚地区核心的肯塔基州派克维尔。集团目前旗下经营商业银行社区信托银行，以及位于列克星敦的社区信托投资信托公司。
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。
CTBI vs RGS — 直观对比
营收规模更大
CTBI
是对方的1.3倍
$57.1M
营收增速更快
RGS
高出8.5%
13.8%
净利率更高
CTBI
高出35.7%
0.8%
自由现金流更多
CTBI
多$96.5M
$891.0K
两年增速更快
CTBI
近两年复合增速
7.8%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $74.7M | $57.1M |
| 净利润 | $27.3M | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | 47.3% | 10.8% |
| 净利率 | 36.5% | 0.8% |
| 营收同比 | 13.8% | 22.3% |
| 净利润同比 | 21.3% | -94.0% |
| 每股收益（稀释后） | $1.51 | $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CTBIRGS
| Q4 25 | $74.7M | $57.1M | ||
| Q3 25 | $71.5M | $59.0M | ||
| Q2 25 | $70.2M | $60.4M | ||
| Q1 25 | $66.2M | $57.0M | ||
| Q4 24 | $65.7M | $46.7M | ||
| Q3 24 | $62.8M | $46.1M | ||
| Q2 24 | $61.4M | $49.4M | ||
| Q1 24 | $58.7M | $49.2M |
净利润CTBIRGS
| Q4 25 | $27.3M | $456.0K | ||
| Q3 25 | $23.9M | $1.4M | ||
| Q2 25 | $24.9M | $116.5M | ||
| Q1 25 | $22.0M | $250.0K | ||
| Q4 24 | $22.5M | $7.6M | ||
| Q3 24 | $22.1M | $-853.0K | ||
| Q2 24 | $19.5M | $91.2M | ||
| Q1 24 | $18.7M | $-2.3M |
营业利润率CTBIRGS
| Q4 25 | 47.3% | 10.8% | ||
| Q3 25 | 43.2% | 10.0% | ||
| Q2 25 | 46.2% | 12.1% | ||
| Q1 25 | 42.9% | 8.8% | ||
| Q4 24 | 44.7% | 11.8% | ||
| Q3 24 | 43.8% | 4.6% | ||
| Q2 24 | 42.3% | — | ||
| Q1 24 | 40.6% | 8.3% |
净利率CTBIRGS
| Q4 25 | 36.5% | 0.8% | ||
| Q3 25 | 33.4% | 2.3% | ||
| Q2 25 | 35.5% | 192.9% | ||
| Q1 25 | 33.2% | 0.4% | ||
| Q4 24 | 34.2% | 16.4% | ||
| Q3 24 | 35.3% | -1.9% | ||
| Q2 24 | 31.8% | 184.7% | ||
| Q1 24 | 31.8% | -4.7% |
每股收益（稀释后）CTBIRGS
| Q4 25 | $1.51 | $0.16 | ||
| Q3 25 | $1.32 | $0.49 | ||
| Q2 25 | $1.38 | $43.67 | ||
| Q1 25 | $1.22 | $0.08 | ||
| Q4 24 | $1.25 | $2.71 | ||
| Q3 24 | $1.23 | $-0.36 | ||
| Q2 24 | $1.09 | $38.40 | ||
| Q1 24 | $1.04 | $-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 | $363.7M | $18.4M |
| 总债务越低越好 | $63.8M | $113.3M |
| 股东权益账面价值 | $856.1M | $188.7M |
| 总资产 | $6.7B | $588.3M |
| 负债/权益比越低杠杆越低 | 0.07× | 0.60× |
8季度趋势，按日历期对齐
现金及短期投资CTBIRGS
| Q4 25 | $363.7M | $18.4M | ||
| Q3 25 | $507.6M | $16.6M | ||
| Q2 25 | $395.3M | $17.0M | ||
| Q1 25 | $340.7M | $13.3M | ||
| Q4 24 | $369.5M | $10.2M | ||
| Q3 24 | $240.9M | $6.3M | ||
| Q2 24 | $161.7M | $10.1M | ||
| Q1 24 | $293.3M | $5.9M |
总债务CTBIRGS
| Q4 25 | $63.8M | $113.3M | ||
| Q3 25 | — | $111.3M | ||
| Q2 25 | — | $110.8M | ||
| Q1 25 | — | $112.0M | ||
| Q4 24 | $64.0M | $111.5M | ||
| Q3 24 | — | $95.2M | ||
| Q2 24 | — | $99.5M | ||
| Q1 24 | — | $179.7M |
股东权益CTBIRGS
| Q4 25 | $856.1M | $188.7M | ||
| Q3 25 | $831.4M | $187.6M | ||
| Q2 25 | $806.9M | $185.6M | ||
| Q1 25 | $784.2M | $68.6M | ||
| Q4 24 | $757.6M | $66.7M | ||
| Q3 24 | $760.8M | $56.4M | ||
| Q2 24 | $719.3M | $56.8M | ||
| Q1 24 | $707.7M | $-35.8M |
总资产CTBIRGS
| Q4 25 | $6.7B | $588.3M | ||
| Q3 25 | $6.6B | $592.1M | ||
| Q2 25 | $6.4B | $599.0M | ||
| Q1 25 | $6.3B | $511.2M | ||
| Q4 24 | $6.2B | $530.1M | ||
| Q3 24 | $6.0B | $508.9M | ||
| Q2 24 | $5.8B | $530.5M | ||
| Q1 24 | $5.9B | $543.7M |
负债/权益比CTBIRGS
| Q4 25 | 0.07× | 0.60× | ||
| Q3 25 | — | 0.59× | ||
| Q2 25 | — | 0.60× | ||
| Q1 25 | — | 1.63× | ||
| Q4 24 | 0.08× | 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 | $105.0M | $1.7M |
| 自由现金流经营现金流 - 资本支出 | $97.4M | $891.0K |
| 自由现金流率自由现金流/营收 | 130.3% | 1.6% |
| 资本支出强度资本支出/营收 | 10.2% | 1.4% |
| 现金转化率经营现金流/净利润 | 3.85× | 3.65× |
| 过去12个月自由现金流最近4个季度 | $181.8M | $14.9M |
8季度趋势，按日历期对齐
经营现金流CTBIRGS
| Q4 25 | $105.0M | $1.7M | ||
| Q3 25 | $37.5M | $2.3M | ||
| Q2 25 | $15.9M | $6.8M | ||
| Q1 25 | $36.6M | $6.2M | ||
| Q4 24 | $105.3M | $2.1M | ||
| Q3 24 | $36.7M | $-1.3M | ||
| Q2 24 | $20.0M | $5.1M | ||
| Q1 24 | $26.2M | $-277.0K |
自由现金流CTBIRGS
| Q4 25 | $97.4M | $891.0K | ||
| Q3 25 | $36.4M | $1.9M | ||
| Q2 25 | $13.6M | $6.2M | ||
| Q1 25 | $34.5M | $5.9M | ||
| Q4 24 | $97.2M | $1.7M | ||
| Q3 24 | $35.4M | $-1.4M | ||
| Q2 24 | $18.4M | $5.1M | ||
| Q1 24 | $24.0M | $-326.0K |
自由现金流率CTBIRGS
| Q4 25 | 130.3% | 1.6% | ||
| Q3 25 | 50.8% | 3.2% | ||
| Q2 25 | 19.3% | 10.3% | ||
| Q1 25 | 52.2% | 10.3% | ||
| Q4 24 | 148.0% | 3.6% | ||
| Q3 24 | 56.4% | -3.0% | ||
| Q2 24 | 30.1% | 10.3% | ||
| Q1 24 | 40.9% | -0.7% |
资本支出强度CTBIRGS
| Q4 25 | 10.2% | 1.4% | ||
| Q3 25 | 1.7% | 0.7% | ||
| Q2 25 | 3.4% | 0.9% | ||
| Q1 25 | 3.1% | 0.6% | ||
| Q4 24 | 12.3% | 0.9% | ||
| Q3 24 | 2.1% | 0.0% | ||
| Q2 24 | 2.5% | 0.0% | ||
| Q1 24 | 3.7% | 0.1% |
现金转化率CTBIRGS
| Q4 25 | 3.85× | 3.65× | ||
| Q3 25 | 1.57× | 1.68× | ||
| Q2 25 | 0.64× | 0.06× | ||
| Q1 25 | 1.66× | 24.80× | ||
| Q4 24 | 4.68× | 0.28× | ||
| Q3 24 | 1.66× | — | ||
| Q2 24 | 1.02× | 0.06× | ||
| Q1 24 | 1.40× | — |
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
CTBI
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% |
