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CITIZENS FINANCIAL SERVICES INC（CZFS）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CITIZENS FINANCIAL SERVICES INC的1.9倍（$57.1M vs $29.6M），CITIZENS FINANCIAL SERVICES INC净利率更高（35.4% vs 0.8%，领先34.6%），REGIS CORP同比增速更快（22.3% vs 13.0%），CITIZENS FINANCIAL SERVICES INC自由现金流更多（$35.2M vs $891.0K），过去两年REGIS CORP的营收复合增速更高（7.8% vs 6.9%）
公民金融集团是一家美国银行控股公司，总部位于罗得岛州普罗维登斯。集团旗下拥有公民银行（Citizens Bank, N.A.），业务覆盖美国康涅狄格、特拉华、佛罗里达等十余个州及华盛顿哥伦比亚特区。
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。
CZFS vs RGS — 直观对比
营收规模更大
RGS
是对方的1.9倍
$29.6M
营收增速更快
RGS
高出9.3%
13.0%
净利率更高
CZFS
高出34.6%
0.8%
自由现金流更多
CZFS
多$34.3M
$891.0K
两年增速更快
RGS
近两年复合增速
6.9%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $29.6M | $57.1M |
| 净利润 | $10.5M | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | 44.2% | 10.8% |
| 净利率 | 35.4% | 0.8% |
| 营收同比 | 13.0% | 22.3% |
| 净利润同比 | 31.3% | -94.0% |
| 每股收益（稀释后） | $2.17 | $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CZFSRGS
| Q4 25 | $29.6M | $57.1M | ||
| Q3 25 | $29.0M | $59.0M | ||
| Q2 25 | $27.3M | $60.4M | ||
| Q1 25 | $26.4M | $57.0M | ||
| Q4 24 | $26.2M | $46.7M | ||
| Q3 24 | $25.1M | $46.1M | ||
| Q2 24 | $24.6M | $49.4M | ||
| Q1 24 | $25.9M | $49.2M |
净利润CZFSRGS
| Q4 25 | $10.5M | $456.0K | ||
| Q3 25 | $10.0M | $1.4M | ||
| Q2 25 | $8.5M | $116.5M | ||
| Q1 25 | $7.6M | $250.0K | ||
| Q4 24 | $8.0M | $7.6M | ||
| Q3 24 | $7.5M | $-853.0K | ||
| Q2 24 | $5.3M | $91.2M | ||
| Q1 24 | $7.0M | $-2.3M |
营业利润率CZFSRGS
| Q4 25 | 44.2% | 10.8% | ||
| Q3 25 | 42.6% | 10.0% | ||
| Q2 25 | 38.1% | 12.1% | ||
| Q1 25 | 35.5% | 8.8% | ||
| Q4 24 | 37.2% | 11.8% | ||
| Q3 24 | 36.9% | 4.6% | ||
| Q2 24 | 25.9% | — | ||
| Q1 24 | 32.8% | 8.3% |
净利率CZFSRGS
| Q4 25 | 35.4% | 0.8% | ||
| Q3 25 | 34.5% | 2.3% | ||
| Q2 25 | 31.0% | 192.9% | ||
| Q1 25 | 28.8% | 0.4% | ||
| Q4 24 | 30.5% | 16.4% | ||
| Q3 24 | 30.0% | -1.9% | ||
| Q2 24 | 21.4% | 184.7% | ||
| Q1 24 | 27.1% | -4.7% |
每股收益（稀释后）CZFSRGS
| Q4 25 | $2.17 | $0.16 | ||
| Q3 25 | $2.09 | $0.49 | ||
| Q2 25 | $1.76 | $43.67 | ||
| Q1 25 | $1.60 | $0.08 | ||
| Q4 24 | $1.64 | $2.71 | ||
| Q3 24 | $1.57 | $-0.36 | ||
| Q2 24 | $1.10 | $38.40 | ||
| Q1 24 | $1.48 | $-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 | $34.3M | $18.4M |
| 总债务越低越好 | — | $113.3M |
| 股东权益账面价值 | $338.1M | $188.7M |
| 总资产 | $3.1B | $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CZFSRGS
| Q4 25 | $34.3M | $18.4M | ||
| Q3 25 | $31.1M | $16.6M | ||
| Q2 25 | $49.5M | $17.0M | ||
| Q1 25 | $36.8M | $13.3M | ||
| Q4 24 | $42.2M | $10.2M | ||
| Q3 24 | $36.8M | $6.3M | ||
| Q2 24 | $38.4M | $10.1M | ||
| Q1 24 | $29.6M | $5.9M |
总债务CZFSRGS
| 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CZFSRGS
| Q4 25 | $338.1M | $188.7M | ||
| Q3 25 | $327.7M | $187.6M | ||
| Q2 25 | $313.7M | $185.6M | ||
| Q1 25 | $308.3M | $68.6M | ||
| Q4 24 | $299.7M | $66.7M | ||
| Q3 24 | $298.7M | $56.4M | ||
| Q2 24 | $286.5M | $56.8M | ||
| Q1 24 | $282.7M | $-35.8M |
总资产CZFSRGS
| Q4 25 | $3.1B | $588.3M | ||
| Q3 25 | $3.1B | $592.1M | ||
| Q2 25 | $3.0B | $599.0M | ||
| Q1 25 | $3.0B | $511.2M | ||
| Q4 24 | $3.0B | $530.1M | ||
| Q3 24 | $3.0B | $508.9M | ||
| Q2 24 | $2.9B | $530.5M | ||
| Q1 24 | $2.9B | $543.7M |
负债/权益比CZFSRGS
| 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 | $36.5M | $1.7M |
| 自由现金流经营现金流 - 资本支出 | $35.2M | $891.0K |
| 自由现金流率自由现金流/营收 | 119.0% | 1.6% |
| 资本支出强度资本支出/营收 | 4.4% | 1.4% |
| 现金转化率经营现金流/净利润 | 3.49× | 3.65× |
| 过去12个月自由现金流最近4个季度 | $53.8M | $14.9M |
8季度趋势，按日历期对齐
经营现金流CZFSRGS
| Q4 25 | $36.5M | $1.7M | ||
| Q3 25 | $2.9M | $2.3M | ||
| Q2 25 | $6.0M | $6.8M | ||
| Q1 25 | $10.9M | $6.2M | ||
| Q4 24 | $33.2M | $2.1M | ||
| Q3 24 | $6.2M | $-1.3M | ||
| Q2 24 | $3.0M | $5.1M | ||
| Q1 24 | $13.5M | $-277.0K |
自由现金流CZFSRGS
| Q4 25 | $35.2M | $891.0K | ||
| Q3 25 | $2.7M | $1.9M | ||
| Q2 25 | $5.5M | $6.2M | ||
| Q1 25 | $10.4M | $5.9M | ||
| Q4 24 | $31.9M | $1.7M | ||
| Q3 24 | $5.6M | $-1.4M | ||
| Q2 24 | $2.9M | $5.1M | ||
| Q1 24 | $13.4M | $-326.0K |
自由现金流率CZFSRGS
| Q4 25 | 119.0% | 1.6% | ||
| Q3 25 | 9.4% | 3.2% | ||
| Q2 25 | 20.1% | 10.3% | ||
| Q1 25 | 39.2% | 10.3% | ||
| Q4 24 | 121.6% | 3.6% | ||
| Q3 24 | 22.3% | -3.0% | ||
| Q2 24 | 11.8% | 10.3% | ||
| Q1 24 | 51.5% | -0.7% |
资本支出强度CZFSRGS
| Q4 25 | 4.4% | 1.4% | ||
| Q3 25 | 0.5% | 0.7% | ||
| Q2 25 | 1.8% | 0.9% | ||
| Q1 25 | 2.2% | 0.6% | ||
| Q4 24 | 5.0% | 0.9% | ||
| Q3 24 | 2.5% | 0.0% | ||
| Q2 24 | 0.5% | 0.0% | ||
| Q1 24 | 0.4% | 0.1% |
现金转化率CZFSRGS
| Q4 25 | 3.49× | 3.65× | ||
| Q3 25 | 0.29× | 1.68× | ||
| Q2 25 | 0.71× | 0.06× | ||
| Q1 25 | 1.44× | 24.80× | ||
| Q4 24 | 4.16× | 0.28× | ||
| Q3 24 | 0.83× | — | ||
| Q2 24 | 0.57× | 0.06× | ||
| Q1 24 | 1.92× | — |
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
CZFS
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% |
