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Finwise Bancorp（FINW）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Finwise Bancorp的1.3倍（$57.1M vs $42.7M），Finwise Bancorp净利率更高（6.4% vs 0.8%，领先5.6%），过去两年Finwise Bancorp的营收复合增速更高（47.0% vs 7.8%）
Finwise Bancorp是一家总部位于美国的金融控股公司，主要通过旗下社区银行子公司开展业务，提供存款账户、个人贷款、抵押贷款、小微企业融资、财富管理等多元化金融服务，服务覆盖区域内的零售消费者和中小微企业客户。
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。
FINW vs RGS — 直观对比
营收规模更大
RGS
是对方的1.3倍
$42.7M
净利率更高
FINW
高出5.6%
0.8%
两年增速更快
FINW
近两年复合增速
7.8%
损益表 — Q1 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $42.7M | $57.1M |
| 净利润 | $2.7M | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | — | 10.8% |
| 净利率 | 6.4% | 0.8% |
| 营收同比 | — | 22.3% |
| 净利润同比 | — | -94.0% |
| 每股收益（稀释后） | $0.20 | $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FINWRGS
| Q1 26 | $42.7M | — | ||
| Q4 25 | $46.9M | $57.1M | ||
| Q3 25 | $36.7M | $59.0M | ||
| Q2 25 | $25.1M | $60.4M | ||
| Q1 25 | $22.1M | $57.0M | ||
| Q4 24 | $21.1M | $46.7M | ||
| Q3 24 | $20.8M | $46.1M | ||
| Q2 24 | $19.8M | $49.4M |
净利润FINWRGS
| Q1 26 | $2.7M | — | ||
| Q4 25 | $3.9M | $456.0K | ||
| Q3 25 | $4.9M | $1.4M | ||
| Q2 25 | $4.1M | $116.5M | ||
| Q1 25 | $3.2M | $250.0K | ||
| Q4 24 | $2.8M | $7.6M | ||
| Q3 24 | $3.5M | $-853.0K | ||
| Q2 24 | $3.2M | $91.2M |
营业利润率FINWRGS
| Q1 26 | — | — | ||
| Q4 25 | 11.7% | 10.8% | ||
| Q3 25 | 17.5% | 10.0% | ||
| Q2 25 | 21.7% | 12.1% | ||
| Q1 25 | 20.1% | 8.8% | ||
| Q4 24 | 17.5% | 11.8% | ||
| Q3 24 | 22.2% | 4.6% | ||
| Q2 24 | 21.1% | — |
净利率FINWRGS
| Q1 26 | 6.4% | — | ||
| Q4 25 | 8.4% | 0.8% | ||
| Q3 25 | 13.3% | 2.3% | ||
| Q2 25 | 16.3% | 192.9% | ||
| Q1 25 | 14.4% | 0.4% | ||
| Q4 24 | 13.2% | 16.4% | ||
| Q3 24 | 16.6% | -1.9% | ||
| Q2 24 | 16.1% | 184.7% |
每股收益（稀释后）FINWRGS
| Q1 26 | $0.20 | — | ||
| Q4 25 | $0.27 | $0.16 | ||
| Q3 25 | $0.34 | $0.49 | ||
| Q2 25 | $0.29 | $43.67 | ||
| Q1 25 | $0.23 | $0.08 | ||
| Q4 24 | $0.19 | $2.71 | ||
| Q3 24 | $0.25 | $-0.36 | ||
| Q2 24 | $0.24 | $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 | — | $18.4M |
| 总债务越低越好 | — | $113.3M |
| 股东权益账面价值 | $196.6M | $188.7M |
| 总资产 | $899.4M | $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FINWRGS
| Q1 26 | — | — | ||
| Q4 25 | $163.4M | $18.4M | ||
| Q3 25 | $105.6M | $16.6M | ||
| Q2 25 | $90.1M | $17.0M | ||
| Q1 25 | $120.3M | $13.3M | ||
| Q4 24 | $109.2M | $10.2M | ||
| Q3 24 | $85.8M | $6.3M | ||
| Q2 24 | $89.0M | $10.1M |
总债务FINWRGS
| 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FINWRGS
| Q1 26 | $196.6M | — | ||
| Q4 25 | $193.2M | $188.7M | ||
| Q3 25 | $187.8M | $187.6M | ||
| Q2 25 | $182.0M | $185.6M | ||
| Q1 25 | $177.4M | $68.6M | ||
| Q4 24 | $173.7M | $66.7M | ||
| Q3 24 | $170.4M | $56.4M | ||
| Q2 24 | $165.8M | $56.8M |
总资产FINWRGS
| Q1 26 | $899.4M | — | ||
| Q4 25 | $977.1M | $588.3M | ||
| Q3 25 | $899.9M | $592.1M | ||
| Q2 25 | $842.5M | $599.0M | ||
| Q1 25 | $804.1M | $511.2M | ||
| Q4 24 | $746.0M | $530.1M | ||
| Q3 24 | $683.0M | $508.9M | ||
| Q2 24 | $617.8M | $530.5M |
负债/权益比FINWRGS
| 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FINWRGS
| Q1 26 | — | — | ||
| Q4 25 | $-28.4M | $1.7M | ||
| Q3 25 | $3.5M | $2.3M | ||
| Q2 25 | $-18.3M | $6.8M | ||
| Q1 25 | $-21.6M | $6.2M | ||
| Q4 24 | $-15.0M | $2.1M | ||
| Q3 24 | $-9.8M | $-1.3M | ||
| Q2 24 | $-7.6M | $5.1M |
自由现金流FINWRGS
| Q1 26 | — | — | ||
| Q4 25 | $-28.6M | $891.0K | ||
| Q3 25 | $3.4M | $1.9M | ||
| Q2 25 | $-19.8M | $6.2M | ||
| Q1 25 | $-23.3M | $5.9M | ||
| Q4 24 | $-16.1M | $1.7M | ||
| Q3 24 | $-13.4M | $-1.4M | ||
| Q2 24 | $-7.7M | $5.1M |
自由现金流率FINWRGS
| Q1 26 | — | — | ||
| Q4 25 | -61.1% | 1.6% | ||
| Q3 25 | 9.4% | 3.2% | ||
| Q2 25 | -79.0% | 10.3% | ||
| Q1 25 | -105.3% | 10.3% | ||
| Q4 24 | -76.0% | 3.6% | ||
| Q3 24 | -64.3% | -3.0% | ||
| Q2 24 | -38.7% | 10.3% |
资本支出强度FINWRGS
| Q1 26 | — | — | ||
| Q4 25 | 0.5% | 1.4% | ||
| Q3 25 | 0.1% | 0.7% | ||
| Q2 25 | 5.8% | 0.9% | ||
| Q1 25 | 7.4% | 0.6% | ||
| Q4 24 | 5.1% | 0.9% | ||
| Q3 24 | 17.2% | 0.0% | ||
| Q2 24 | 0.3% | 0.0% |
现金转化率FINWRGS
| Q1 26 | — | — | ||
| Q4 25 | -7.26× | 3.65× | ||
| Q3 25 | 0.71× | 1.68× | ||
| Q2 25 | -4.48× | 0.06× | ||
| Q1 25 | -6.78× | 24.80× | ||
| Q4 24 | -5.37× | 0.28× | ||
| Q3 24 | -2.84× | — | ||
| Q2 24 | -2.39× | 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
FINW
| Net Interest Income | $28.1M | 66% |
| Noninterest Income | $14.6M | 34% |
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
