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合众银行（EGBN）与REGIS CORP（RGS）财务数据对比。点击上方公司名可切换其他公司
合众银行的季度营收约是REGIS CORP的1.4倍（$80.5M vs $57.1M），REGIS CORP净利率更高（0.8% vs -3.6%，领先4.4%），REGIS CORP同比增速更快（22.3% vs 7.5%），合众银行自由现金流更多（$20.8M vs $891.0K），过去两年REGIS CORP的营收复合增速更高（7.8% vs 1.4%）
合众银行是一家总部位于明尼阿波利斯、注册于特拉华州的美国跨国银行机构，截至2025年是美国第五大银行，也是美国中西部规模最大的银行，被金融稳定委员会认定为具有系统重要性的银行，旗下核心运营主体为美国银行全国协会，以合众银行品牌开展业务，提供银行、投资、抵押贷款等多元金融服务。
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。
EGBN vs RGS — 直观对比
营收规模更大
EGBN
是对方的1.4倍
$57.1M
营收增速更快
RGS
高出14.7%
7.5%
净利率更高
RGS
高出4.4%
-3.6%
自由现金流更多
EGBN
多$19.9M
$891.0K
两年增速更快
RGS
近两年复合增速
1.4%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $80.5M | $57.1M |
| 净利润 | $-2.4M | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | -7.3% | 10.8% |
| 净利率 | -3.6% | 0.8% |
| 营收同比 | 7.5% | 22.3% |
| 净利润同比 | -116.0% | -94.0% |
| 每股收益（稀释后） | $-0.09 | $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EGBNRGS
| Q4 25 | $80.5M | $57.1M | ||
| Q3 25 | $70.7M | $59.0M | ||
| Q2 25 | $74.2M | $60.4M | ||
| Q1 25 | $73.9M | $57.0M | ||
| Q4 24 | $74.9M | $46.7M | ||
| Q3 24 | $78.8M | $46.1M | ||
| Q2 24 | $76.7M | $49.4M | ||
| Q1 24 | $78.3M | $49.2M |
净利润EGBNRGS
| Q4 25 | $-2.4M | $456.0K | ||
| Q3 25 | $-67.5M | $1.4M | ||
| Q2 25 | $-69.8M | $116.5M | ||
| Q1 25 | $1.7M | $250.0K | ||
| Q4 24 | $15.3M | $7.6M | ||
| Q3 24 | $21.8M | $-853.0K | ||
| Q2 24 | $-83.8M | $91.2M | ||
| Q1 24 | $-338.0K | $-2.3M |
营业利润率EGBNRGS
| Q4 25 | -7.3% | 10.8% | ||
| Q3 25 | -119.5% | 10.0% | ||
| Q2 25 | -147.2% | 12.1% | ||
| Q1 25 | 3.3% | 8.8% | ||
| Q4 24 | 28.0% | 11.8% | ||
| Q3 24 | 33.9% | 4.6% | ||
| Q2 24 | -103.5% | — | ||
| Q1 24 | 3.4% | 8.3% |
净利率EGBNRGS
| Q4 25 | -3.6% | 0.8% | ||
| Q3 25 | -95.6% | 2.3% | ||
| Q2 25 | -94.0% | 192.9% | ||
| Q1 25 | 2.3% | 0.4% | ||
| Q4 24 | 21.6% | 16.4% | ||
| Q3 24 | 27.7% | -1.9% | ||
| Q2 24 | -109.3% | 184.7% | ||
| Q1 24 | -0.4% | -4.7% |
每股收益（稀释后）EGBNRGS
| Q4 25 | $-0.09 | $0.16 | ||
| Q3 25 | $-2.22 | $0.49 | ||
| Q2 25 | $-2.30 | $43.67 | ||
| Q1 25 | $0.06 | $0.08 | ||
| Q4 24 | $0.51 | $2.71 | ||
| Q3 24 | $0.72 | $-0.36 | ||
| Q2 24 | $-2.78 | $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 | — | $18.4M |
| 总债务越低越好 | $76.4M | $113.3M |
| 股东权益账面价值 | $1.1B | $188.7M |
| 总资产 | $10.5B | $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EGBNRGS
| Q4 25 | — | $18.4M | ||
| Q3 25 | — | $16.6M | ||
| Q2 25 | — | $17.0M | ||
| Q1 25 | — | $13.3M | ||
| Q4 24 | — | $10.2M | ||
| Q3 24 | — | $6.3M | ||
| Q2 24 | — | $10.1M | ||
| Q1 24 | — | $5.9M |
总债务EGBNRGS
| Q4 25 | $76.4M | $113.3M | ||
| Q3 25 | $76.3M | $111.3M | ||
| Q2 25 | $76.3M | $110.8M | ||
| Q1 25 | $76.2M | $112.0M | ||
| Q4 24 | $76.1M | $111.5M | ||
| Q3 24 | $75.8M | $95.2M | ||
| Q2 24 | — | $99.5M | ||
| Q1 24 | — | $179.7M |
股东权益EGBNRGS
| Q4 25 | $1.1B | $188.7M | ||
| Q3 25 | $1.1B | $187.6M | ||
| Q2 25 | $1.2B | $185.6M | ||
| Q1 25 | $1.2B | $68.6M | ||
| Q4 24 | $1.2B | $66.7M | ||
| Q3 24 | $1.2B | $56.4M | ||
| Q2 24 | $1.2B | $56.8M | ||
| Q1 24 | $1.3B | $-35.8M |
总资产EGBNRGS
| Q4 25 | $10.5B | $588.3M | ||
| Q3 25 | $10.8B | $592.1M | ||
| Q2 25 | $10.6B | $599.0M | ||
| Q1 25 | $11.3B | $511.2M | ||
| Q4 24 | $11.1B | $530.1M | ||
| Q3 24 | $11.3B | $508.9M | ||
| Q2 24 | $11.3B | $530.5M | ||
| Q1 24 | $11.6B | $543.7M |
负债/权益比EGBNRGS
| Q4 25 | 0.07× | 0.60× | ||
| Q3 25 | 0.07× | 0.59× | ||
| Q2 25 | 0.06× | 0.60× | ||
| Q1 25 | 0.06× | 1.63× | ||
| Q4 24 | 0.06× | 1.67× | ||
| Q3 24 | 0.06× | 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 | $28.5M | $1.7M |
| 自由现金流经营现金流 - 资本支出 | $20.8M | $891.0K |
| 自由现金流率自由现金流/营收 | 25.8% | 1.6% |
| 资本支出强度资本支出/营收 | 9.6% | 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 | $50.3M | $14.9M |
8季度趋势，按日历期对齐
经营现金流EGBNRGS
| Q4 25 | $28.5M | $1.7M | ||
| Q3 25 | $19.8M | $2.3M | ||
| Q2 25 | $-28.6M | $6.8M | ||
| Q1 25 | $43.2M | $6.2M | ||
| Q4 24 | $123.8M | $2.1M | ||
| Q3 24 | $55.6M | $-1.3M | ||
| Q2 24 | $55.2M | $5.1M | ||
| Q1 24 | $2.8M | $-277.0K |
自由现金流EGBNRGS
| Q4 25 | $20.8M | $891.0K | ||
| Q3 25 | $15.8M | $1.9M | ||
| Q2 25 | $-29.3M | $6.2M | ||
| Q1 25 | $43.0M | $5.9M | ||
| Q4 24 | $123.4M | $1.7M | ||
| Q3 24 | $55.4M | $-1.4M | ||
| Q2 24 | $55.2M | $5.1M | ||
| Q1 24 | $2.8M | $-326.0K |
自由现金流率EGBNRGS
| Q4 25 | 25.8% | 1.6% | ||
| Q3 25 | 22.4% | 3.2% | ||
| Q2 25 | -39.6% | 10.3% | ||
| Q1 25 | 58.3% | 10.3% | ||
| Q4 24 | 164.9% | 3.6% | ||
| Q3 24 | 70.4% | -3.0% | ||
| Q2 24 | 72.0% | 10.3% | ||
| Q1 24 | 3.5% | -0.7% |
资本支出强度EGBNRGS
| Q4 25 | 9.6% | 1.4% | ||
| Q3 25 | 5.7% | 0.7% | ||
| Q2 25 | 1.0% | 0.9% | ||
| Q1 25 | 0.2% | 0.6% | ||
| Q4 24 | 0.4% | 0.9% | ||
| Q3 24 | 0.2% | 0.0% | ||
| Q2 24 | 0.1% | 0.0% | ||
| Q1 24 | 0.1% | 0.1% |
现金转化率EGBNRGS
| Q4 25 | — | 3.65× | ||
| Q3 25 | — | 1.68× | ||
| Q2 25 | — | 0.06× | ||
| Q1 25 | 25.78× | 24.80× | ||
| Q4 24 | 8.09× | 0.28× | ||
| Q3 24 | 2.55× | — | ||
| Q2 24 | — | 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
EGBN
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% |
