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北方信托（CZNC）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的季度营收约是北方信托的1.5倍（$57.1M vs $36.9M），北方信托净利率更高（12.1% vs 0.8%，领先11.3%），北方信托同比增速更快（31.6% vs 22.3%），北方信托自由现金流更多（$30.1M vs $891.0K），过去两年北方信托的营收复合增速更高（19.7% vs 7.8%）
北方信托是一家总部位于美国伊利诺伊州芝加哥市的金融服务企业，主要服务对象为企业、机构投资者与超高净值个人。它是美国规模领先的银行机构之一，也是美国持续经营历史最悠久的银行之一，截至2025年底，其管理资产规模达1.8万亿美元，托管资产规模达14.9万亿美元。
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。
CZNC vs RGS — 直观对比
营收规模更大
RGS
是对方的1.5倍
$36.9M
营收增速更快
CZNC
高出9.3%
22.3%
净利率更高
CZNC
高出11.3%
0.8%
自由现金流更多
CZNC
多$29.2M
$891.0K
两年增速更快
CZNC
近两年复合增速
7.8%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $36.9M | $57.1M |
| 净利润 | $4.5M | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | 14.6% | 10.8% |
| 净利率 | 12.1% | 0.8% |
| 营收同比 | 31.6% | 22.3% |
| 净利润同比 | -45.4% | -94.0% |
| 每股收益（稀释后） | — | $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CZNCRGS
| Q4 25 | $36.9M | $57.1M | ||
| Q3 25 | $29.6M | $59.0M | ||
| Q2 25 | $29.3M | $60.4M | ||
| Q1 25 | $27.0M | $57.0M | ||
| Q4 24 | $28.0M | $46.7M | ||
| Q3 24 | $27.3M | $46.1M | ||
| Q2 24 | $27.3M | $49.4M | ||
| Q1 24 | $25.7M | $49.2M |
净利润CZNCRGS
| Q4 25 | $4.5M | $456.0K | ||
| Q3 25 | $6.6M | $1.4M | ||
| Q2 25 | $6.1M | $116.5M | ||
| Q1 25 | $6.3M | $250.0K | ||
| Q4 24 | $8.2M | $7.6M | ||
| Q3 24 | $6.4M | $-853.0K | ||
| Q2 24 | $6.1M | $91.2M | ||
| Q1 24 | $5.3M | $-2.3M |
营业利润率CZNCRGS
| Q4 25 | 14.6% | 10.8% | ||
| Q3 25 | 27.1% | 10.0% | ||
| Q2 25 | 25.7% | 12.1% | ||
| Q1 25 | 28.6% | 8.8% | ||
| Q4 24 | 36.1% | 11.8% | ||
| Q3 24 | 28.6% | 4.6% | ||
| Q2 24 | 27.4% | — | ||
| Q1 24 | 25.1% | 8.3% |
净利率CZNCRGS
| Q4 25 | 12.1% | 0.8% | ||
| Q3 25 | 22.2% | 2.3% | ||
| Q2 25 | 20.9% | 192.9% | ||
| Q1 25 | 23.3% | 0.4% | ||
| Q4 24 | 29.2% | 16.4% | ||
| Q3 24 | 23.3% | -1.9% | ||
| Q2 24 | 22.4% | 184.7% | ||
| Q1 24 | 20.6% | -4.7% |
每股收益（稀释后）CZNCRGS
| Q4 25 | — | $0.16 | ||
| Q3 25 | $0.42 | $0.49 | ||
| Q2 25 | $0.40 | $43.67 | ||
| Q1 25 | $0.41 | $0.08 | ||
| Q4 24 | $0.53 | $2.71 | ||
| Q3 24 | $0.41 | $-0.36 | ||
| Q2 24 | $0.40 | $38.40 | ||
| Q1 24 | $0.35 | $-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 | $46.1M | $18.4M |
| 总债务越低越好 | — | $113.3M |
| 股东权益账面价值 | $341.7M | $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CZNCRGS
| Q4 25 | $46.1M | $18.4M | ||
| Q3 25 | $123.1M | $16.6M | ||
| Q2 25 | $99.6M | $17.0M | ||
| Q1 25 | $114.7M | $13.3M | ||
| Q4 24 | $126.2M | $10.2M | ||
| Q3 24 | $184.2M | $6.3M | ||
| Q2 24 | $100.4M | $10.1M | ||
| Q1 24 | $46.4M | $5.9M |
总债务CZNCRGS
| 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CZNCRGS
| Q4 25 | $341.7M | $188.7M | ||
| Q3 25 | $294.0M | $187.6M | ||
| Q2 25 | $286.4M | $185.6M | ||
| Q1 25 | $281.8M | $68.6M | ||
| Q4 24 | $275.3M | $66.7M | ||
| Q3 24 | $277.3M | $56.4M | ||
| Q2 24 | $263.2M | $56.8M | ||
| Q1 24 | $261.7M | $-35.8M |
总资产CZNCRGS
| Q4 25 | $3.1B | $588.3M | ||
| Q3 25 | $2.7B | $592.1M | ||
| Q2 25 | $2.6B | $599.0M | ||
| Q1 25 | $2.6B | $511.2M | ||
| Q4 24 | $2.6B | $530.1M | ||
| Q3 24 | $2.7B | $508.9M | ||
| Q2 24 | $2.6B | $530.5M | ||
| Q1 24 | $2.5B | $543.7M |
负债/权益比CZNCRGS
| 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 | $32.0M | $1.7M |
| 自由现金流经营现金流 - 资本支出 | $30.1M | $891.0K |
| 自由现金流率自由现金流/营收 | 81.6% | 1.6% |
| 资本支出强度资本支出/营收 | 5.2% | 1.4% |
| 现金转化率经营现金流/净利润 | 7.17× | 3.65× |
| 过去12个月自由现金流最近4个季度 | $50.1M | $14.9M |
8季度趋势，按日历期对齐
经营现金流CZNCRGS
| Q4 25 | $32.0M | $1.7M | ||
| Q3 25 | $11.3M | $2.3M | ||
| Q2 25 | $8.5M | $6.8M | ||
| Q1 25 | $1.6M | $6.2M | ||
| Q4 24 | $33.0M | $2.1M | ||
| Q3 24 | $6.6M | $-1.3M | ||
| Q2 24 | $8.6M | $5.1M | ||
| Q1 24 | $5.7M | $-277.0K |
自由现金流CZNCRGS
| Q4 25 | $30.1M | $891.0K | ||
| Q3 25 | $10.9M | $1.9M | ||
| Q2 25 | $8.0M | $6.2M | ||
| Q1 25 | $1.0M | $5.9M | ||
| Q4 24 | $31.1M | $1.7M | ||
| Q3 24 | $6.4M | $-1.4M | ||
| Q2 24 | $8.0M | $5.1M | ||
| Q1 24 | $5.0M | $-326.0K |
自由现金流率CZNCRGS
| Q4 25 | 81.6% | 1.6% | ||
| Q3 25 | 36.9% | 3.2% | ||
| Q2 25 | 27.4% | 10.3% | ||
| Q1 25 | 3.9% | 10.3% | ||
| Q4 24 | 111.1% | 3.6% | ||
| Q3 24 | 23.6% | -3.0% | ||
| Q2 24 | 29.2% | 10.3% | ||
| Q1 24 | 19.4% | -0.7% |
资本支出强度CZNCRGS
| Q4 25 | 5.2% | 1.4% | ||
| Q3 25 | 1.4% | 0.7% | ||
| Q2 25 | 1.7% | 0.9% | ||
| Q1 25 | 2.0% | 0.6% | ||
| Q4 24 | 6.8% | 0.9% | ||
| Q3 24 | 0.5% | 0.0% | ||
| Q2 24 | 2.4% | 0.0% | ||
| Q1 24 | 2.9% | 0.1% |
现金转化率CZNCRGS
| Q4 25 | 7.17× | 3.65× | ||
| Q3 25 | 1.73× | 1.68× | ||
| Q2 25 | 1.39× | 0.06× | ||
| Q1 25 | 0.25× | 24.80× | ||
| Q4 24 | 4.04× | 0.28× | ||
| Q3 24 | 1.04× | — | ||
| Q2 24 | 1.41× | 0.06× | ||
| Q1 24 | 1.08× | — |
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
CZNC
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% |
