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FARMERS NATIONAL BANC CORP（FMNB）与REGIS CORP（RGS）财务数据对比。点击上方公司名可切换其他公司
FARMERS NATIONAL BANC CORP的季度营收约是REGIS CORP的1.3倍（$71.5M vs $57.1M），FARMERS NATIONAL BANC CORP净利率更高（20.5% vs 0.8%，领先19.7%），REGIS CORP同比增速更快（22.3% vs 3.2%），FARMERS NATIONAL BANC CORP自由现金流更多（$52.2M vs $891.0K），过去两年REGIS CORP的营收复合增速更高（7.8% vs 6.2%）
Farmers National Banc Corp（俄亥俄州）是总部位于美国俄亥俄州的地区性金融控股公司，提供零售及商业银行、财富管理、保险等多元服务，主要服务俄亥俄州及美国中西部邻近区域的个人、中小企业与本地社区客户。
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。
FMNB vs RGS — 直观对比
营收规模更大
FMNB
是对方的1.3倍
$57.1M
营收增速更快
RGS
高出19.1%
3.2%
净利率更高
FMNB
高出19.7%
0.8%
自由现金流更多
FMNB
多$51.3M
$891.0K
两年增速更快
RGS
近两年复合增速
6.2%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $71.5M | $57.1M |
| 净利润 | $14.6M | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | 24.8% | 10.8% |
| 净利率 | 20.5% | 0.8% |
| 营收同比 | 3.2% | 22.3% |
| 净利润同比 | 1.7% | -94.0% |
| 每股收益（稀释后） | $0.39 | $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FMNBRGS
| Q4 25 | $71.5M | $57.1M | ||
| Q3 25 | $70.8M | $59.0M | ||
| Q2 25 | $69.8M | $60.4M | ||
| Q1 25 | $67.8M | $57.0M | ||
| Q4 24 | $69.3M | $46.7M | ||
| Q3 24 | $70.3M | $46.1M | ||
| Q2 24 | $66.5M | $49.4M | ||
| Q1 24 | $63.4M | $49.2M |
净利润FMNBRGS
| Q4 25 | $14.6M | $456.0K | ||
| Q3 25 | $12.5M | $1.4M | ||
| Q2 25 | $13.9M | $116.5M | ||
| Q1 25 | $13.6M | $250.0K | ||
| Q4 24 | $14.4M | $7.6M | ||
| Q3 24 | $8.5M | $-853.0K | ||
| Q2 24 | $11.8M | $91.2M | ||
| Q1 24 | $11.2M | $-2.3M |
营业利润率FMNBRGS
| Q4 25 | 24.8% | 10.8% | ||
| Q3 25 | 20.7% | 10.0% | ||
| Q2 25 | 23.4% | 12.1% | ||
| Q1 25 | 24.1% | 8.8% | ||
| Q4 24 | 25.5% | 11.8% | ||
| Q3 24 | 14.4% | 4.6% | ||
| Q2 24 | 21.3% | — | ||
| Q1 24 | 21.2% | 8.3% |
净利率FMNBRGS
| Q4 25 | 20.5% | 0.8% | ||
| Q3 25 | 17.6% | 2.3% | ||
| Q2 25 | 19.9% | 192.9% | ||
| Q1 25 | 20.0% | 0.4% | ||
| Q4 24 | 20.8% | 16.4% | ||
| Q3 24 | 12.1% | -1.9% | ||
| Q2 24 | 17.7% | 184.7% | ||
| Q1 24 | 17.7% | -4.7% |
每股收益（稀释后）FMNBRGS
| Q4 25 | $0.39 | $0.16 | ||
| Q3 25 | $0.33 | $0.49 | ||
| Q2 25 | $0.37 | $43.67 | ||
| Q1 25 | $0.36 | $0.08 | ||
| Q4 24 | $0.38 | $2.71 | ||
| Q3 24 | $0.23 | $-0.36 | ||
| Q2 24 | $0.31 | $38.40 | ||
| Q1 24 | $0.30 | $-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 | $86.7M | $113.3M |
| 股东权益账面价值 | $485.7M | $188.7M |
| 总资产 | $5.2B | $588.3M |
| 负债/权益比越低杠杆越低 | 0.18× | 0.60× |
8季度趋势，按日历期对齐
现金及短期投资FMNBRGS
| 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FMNBRGS
| Q4 25 | $86.7M | $113.3M | ||
| Q3 25 | $86.6M | $111.3M | ||
| Q2 25 | $86.4M | $110.8M | ||
| Q1 25 | $86.3M | $112.0M | ||
| Q4 24 | $86.2M | $111.5M | ||
| Q3 24 | $86.0M | $95.2M | ||
| Q2 24 | $88.9M | $99.5M | ||
| Q1 24 | $88.8M | $179.7M |
股东权益FMNBRGS
| Q4 25 | $485.7M | $188.7M | ||
| Q3 25 | $465.9M | $187.6M | ||
| Q2 25 | $437.7M | $185.6M | ||
| Q1 25 | $429.1M | $68.6M | ||
| Q4 24 | $406.0M | $66.7M | ||
| Q3 24 | $439.7M | $56.4M | ||
| Q2 24 | $396.7M | $56.8M | ||
| Q1 24 | $397.0M | $-35.8M |
总资产FMNBRGS
| Q4 25 | $5.2B | $588.3M | ||
| Q3 25 | $5.2B | $592.1M | ||
| Q2 25 | $5.2B | $599.0M | ||
| Q1 25 | $5.2B | $511.2M | ||
| Q4 24 | $5.1B | $530.1M | ||
| Q3 24 | $5.2B | $508.9M | ||
| Q2 24 | $5.2B | $530.5M | ||
| Q1 24 | $5.1B | $543.7M |
负债/权益比FMNBRGS
| Q4 25 | 0.18× | 0.60× | ||
| Q3 25 | 0.19× | 0.59× | ||
| Q2 25 | 0.20× | 0.60× | ||
| Q1 25 | 0.20× | 1.63× | ||
| Q4 24 | 0.21× | 1.67× | ||
| Q3 24 | 0.20× | 1.69× | ||
| Q2 24 | 0.22× | 1.75× | ||
| Q1 24 | 0.22× | — |
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 | $60.0M | $1.7M |
| 自由现金流经营现金流 - 资本支出 | $52.2M | $891.0K |
| 自由现金流率自由现金流/营收 | 73.0% | 1.6% |
| 资本支出强度资本支出/营收 | 11.0% | 1.4% |
| 现金转化率经营现金流/净利润 | 4.10× | 3.65× |
| 过去12个月自由现金流最近4个季度 | $85.8M | $14.9M |
8季度趋势，按日历期对齐
经营现金流FMNBRGS
| Q4 25 | $60.0M | $1.7M | ||
| Q3 25 | $10.7M | $2.3M | ||
| Q2 25 | $14.0M | $6.8M | ||
| Q1 25 | $15.7M | $6.2M | ||
| Q4 24 | $66.6M | $2.1M | ||
| Q3 24 | $23.9M | $-1.3M | ||
| Q2 24 | $16.6M | $5.1M | ||
| Q1 24 | $13.7M | $-277.0K |
自由现金流FMNBRGS
| Q4 25 | $52.2M | $891.0K | ||
| Q3 25 | $9.0M | $1.9M | ||
| Q2 25 | $12.4M | $6.2M | ||
| Q1 25 | $12.2M | $5.9M | ||
| Q4 24 | $54.9M | $1.7M | ||
| Q3 24 | $20.4M | $-1.4M | ||
| Q2 24 | $14.4M | $5.1M | ||
| Q1 24 | $12.2M | $-326.0K |
自由现金流率FMNBRGS
| Q4 25 | 73.0% | 1.6% | ||
| Q3 25 | 12.8% | 3.2% | ||
| Q2 25 | 17.8% | 10.3% | ||
| Q1 25 | 18.0% | 10.3% | ||
| Q4 24 | 79.2% | 3.6% | ||
| Q3 24 | 29.1% | -3.0% | ||
| Q2 24 | 21.6% | 10.3% | ||
| Q1 24 | 19.2% | -0.7% |
资本支出强度FMNBRGS
| Q4 25 | 11.0% | 1.4% | ||
| Q3 25 | 2.4% | 0.7% | ||
| Q2 25 | 2.3% | 0.9% | ||
| Q1 25 | 5.2% | 0.6% | ||
| Q4 24 | 16.9% | 0.9% | ||
| Q3 24 | 4.9% | 0.0% | ||
| Q2 24 | 3.3% | 0.0% | ||
| Q1 24 | 2.4% | 0.1% |
现金转化率FMNBRGS
| Q4 25 | 4.10× | 3.65× | ||
| Q3 25 | 0.86× | 1.68× | ||
| Q2 25 | 1.01× | 0.06× | ||
| Q1 25 | 1.15× | 24.80× | ||
| Q4 24 | 4.63× | 0.28× | ||
| Q3 24 | 2.80× | — | ||
| Q2 24 | 1.41× | 0.06× | ||
| Q1 24 | 1.22× | — |
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
FMNB
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% |
