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Esquire Financial Holdings, Inc.（ESQ）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Esquire Financial Holdings, Inc.的1.4倍（$57.1M vs $40.5M），Esquire Financial Holdings, Inc.净利率更高（30.2% vs 0.8%，领先29.4%），过去两年Esquire Financial Holdings, Inc.的营收复合增速更高（15.0% vs 7.8%）
Esquire Financial Holdings是一家总部位于美国的银行控股公司，提供全面的商业及零售银行服务，核心业务包含存款账户、企业贷款、按揭服务及财富管理解决方案，主要服务中小型企业、法律行业从业者及当地零售客户。
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。
ESQ vs RGS — 直观对比
营收规模更大
RGS
是对方的1.4倍
$40.5M
净利率更高
ESQ
高出29.4%
0.8%
两年增速更快
ESQ
近两年复合增速
7.8%
损益表 — Q1 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $40.5M | $57.1M |
| 净利润 | $12.2M | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | — | 10.8% |
| 净利率 | 30.2% | 0.8% |
| 营收同比 | — | 22.3% |
| 净利润同比 | 7.0% | -94.0% |
| 每股收益（稀释后） | $1.40 | $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ESQRGS
| Q1 26 | $40.5M | — | ||
| Q4 25 | $39.4M | $57.1M | ||
| Q3 25 | $37.6M | $59.0M | ||
| Q2 25 | $35.8M | $60.4M | ||
| Q1 25 | $33.8M | $57.0M | ||
| Q4 24 | $33.1M | $46.7M | ||
| Q3 24 | $31.9M | $46.1M | ||
| Q2 24 | $30.6M | $49.4M |
净利润ESQRGS
| Q1 26 | $12.2M | — | ||
| Q4 25 | $13.5M | $456.0K | ||
| Q3 25 | $14.1M | $1.4M | ||
| Q2 25 | $11.9M | $116.5M | ||
| Q1 25 | $11.4M | $250.0K | ||
| Q4 24 | $11.8M | $7.6M | ||
| Q3 24 | $11.4M | $-853.0K | ||
| Q2 24 | $10.5M | $91.2M |
营业利润率ESQRGS
| Q1 26 | — | — | ||
| Q4 25 | 44.3% | 10.8% | ||
| Q3 25 | 46.5% | 10.0% | ||
| Q2 25 | 42.5% | 12.1% | ||
| Q1 25 | 45.9% | 8.8% | ||
| Q4 24 | 47.4% | 11.8% | ||
| Q3 24 | 48.8% | 4.6% | ||
| Q2 24 | 46.9% | — |
净利率ESQRGS
| Q1 26 | 30.2% | — | ||
| Q4 25 | 34.2% | 0.8% | ||
| Q3 25 | 37.4% | 2.3% | ||
| Q2 25 | 33.2% | 192.9% | ||
| Q1 25 | 33.8% | 0.4% | ||
| Q4 24 | 35.6% | 16.4% | ||
| Q3 24 | 35.6% | -1.9% | ||
| Q2 24 | 34.3% | 184.7% |
每股收益（稀释后）ESQRGS
| Q1 26 | $1.40 | — | ||
| Q4 25 | $1.54 | $0.16 | ||
| Q3 25 | $1.62 | $0.49 | ||
| Q2 25 | $1.38 | $43.67 | ||
| Q1 25 | $1.33 | $0.08 | ||
| Q4 24 | $1.35 | $2.71 | ||
| Q3 24 | $1.34 | $-0.36 | ||
| Q2 24 | $1.25 | $38.40 |
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 | $222.2M | $18.4M |
| 总债务越低越好 | — | $113.3M |
| 股东权益账面价值 | $301.3M | $188.7M |
| 总资产 | $2.4B | $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ESQRGS
| Q1 26 | $222.2M | — | ||
| Q4 25 | $235.9M | $18.4M | ||
| Q3 25 | $240.8M | $16.6M | ||
| Q2 25 | $163.0M | $17.0M | ||
| Q1 25 | $173.0M | $13.3M | ||
| Q4 24 | $126.3M | $10.2M | ||
| Q3 24 | $147.7M | $6.3M | ||
| Q2 24 | $152.7M | $10.1M |
总债务ESQRGS
| Q1 26 | — | — | ||
| 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 |
股东权益ESQRGS
| Q1 26 | $301.3M | — | ||
| Q4 25 | $289.6M | $188.7M | ||
| Q3 25 | $279.2M | $187.6M | ||
| Q2 25 | $263.6M | $185.6M | ||
| Q1 25 | $250.7M | $68.6M | ||
| Q4 24 | $237.1M | $66.7M | ||
| Q3 24 | $232.6M | $56.4M | ||
| Q2 24 | $217.4M | $56.8M |
总资产ESQRGS
| Q1 26 | $2.4B | — | ||
| Q4 25 | $2.4B | $588.3M | ||
| Q3 25 | $2.2B | $592.1M | ||
| Q2 25 | $2.1B | $599.0M | ||
| Q1 25 | $2.0B | $511.2M | ||
| Q4 24 | $1.9B | $530.1M | ||
| Q3 24 | $1.8B | $508.9M | ||
| Q2 24 | $1.7B | $530.5M |
负债/权益比ESQRGS
| Q1 26 | — | — | ||
| 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× |
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 | — | $1.7M |
| 自由现金流经营现金流 - 资本支出 | — | $891.0K |
| 自由现金流率自由现金流/营收 | — | 1.6% |
| 资本支出强度资本支出/营收 | — | 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 | — | $14.9M |
8季度趋势，按日历期对齐
经营现金流ESQRGS
| Q1 26 | — | — | ||
| Q4 25 | $59.8M | $1.7M | ||
| Q3 25 | $16.8M | $2.3M | ||
| Q2 25 | $10.5M | $6.8M | ||
| Q1 25 | $15.8M | $6.2M | ||
| Q4 24 | $42.2M | $2.1M | ||
| Q3 24 | $10.5M | $-1.3M | ||
| Q2 24 | $7.2M | $5.1M |
自由现金流ESQRGS
| Q1 26 | — | — | ||
| Q4 25 | $56.7M | $891.0K | ||
| Q3 25 | $16.2M | $1.9M | ||
| Q2 25 | $9.3M | $6.2M | ||
| Q1 25 | $14.7M | $5.9M | ||
| Q4 24 | $41.5M | $1.7M | ||
| Q3 24 | $10.5M | $-1.4M | ||
| Q2 24 | $6.9M | $5.1M |
自由现金流率ESQRGS
| Q1 26 | — | — | ||
| Q4 25 | 143.9% | 1.6% | ||
| Q3 25 | 43.2% | 3.2% | ||
| Q2 25 | 26.0% | 10.3% | ||
| Q1 25 | 43.4% | 10.3% | ||
| Q4 24 | 125.5% | 3.6% | ||
| Q3 24 | 32.8% | -3.0% | ||
| Q2 24 | 22.5% | 10.3% |
资本支出强度ESQRGS
| Q1 26 | — | — | ||
| Q4 25 | 8.0% | 1.4% | ||
| Q3 25 | 1.3% | 0.7% | ||
| Q2 25 | 3.2% | 0.9% | ||
| Q1 25 | 3.4% | 0.6% | ||
| Q4 24 | 2.2% | 0.9% | ||
| Q3 24 | 0.2% | 0.0% | ||
| Q2 24 | 1.1% | 0.0% |
现金转化率ESQRGS
| Q1 26 | — | — | ||
| Q4 25 | 4.44× | 3.65× | ||
| Q3 25 | 1.19× | 1.68× | ||
| Q2 25 | 0.88× | 0.06× | ||
| Q1 25 | 1.39× | 24.80× | ||
| Q4 24 | 3.59× | 0.28× | ||
| Q3 24 | 0.93× | — | ||
| Q2 24 | 0.69× | 0.06× |
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
ESQ
| Net Interest Income | $34.0M | 84% |
| Noninterest Income | $6.5M | 16% |
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
