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合众银行（FSBC）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的季度营收约是合众银行的1.3倍（$57.1M vs $45.1M），合众银行净利率更高（41.3% vs 0.8%，领先40.5%），过去两年合众银行的营收复合增速更高（21.3% vs 7.8%）
合众银行是总部设在美国明尼阿波利斯、在特拉华州注册的美国跨国银行机构，截至2025年为美国第五大银行，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。它旗下核心运营实体为美国银行全国协会，以US Bank品牌开展业务，提供银行、投资、抵押等金融服务。
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。
FSBC vs RGS — 直观对比
营收规模更大
RGS
是对方的1.3倍
$45.1M
净利率更高
FSBC
高出40.5%
0.8%
两年增速更快
FSBC
近两年复合增速
7.8%
损益表 — Q1 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $45.1M | $57.1M |
| 净利润 | $18.6M | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | — | 10.8% |
| 净利率 | 41.3% | 0.8% |
| 营收同比 | — | 22.3% |
| 净利润同比 | 42.0% | -94.0% |
| 每股收益（稀释后） | $0.87 | $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FSBCRGS
| Q1 26 | $45.1M | — | ||
| Q4 25 | $43.5M | $57.1M | ||
| Q3 25 | $41.3M | $59.0M | ||
| Q2 25 | $38.3M | $60.4M | ||
| Q1 25 | $35.3M | $57.0M | ||
| Q4 24 | $35.2M | $46.7M | ||
| Q3 24 | $31.8M | $46.1M | ||
| Q2 24 | $30.7M | $49.4M |
净利润FSBCRGS
| Q1 26 | $18.6M | — | ||
| Q4 25 | $17.6M | $456.0K | ||
| Q3 25 | $16.3M | $1.4M | ||
| Q2 25 | $14.5M | $116.5M | ||
| Q1 25 | $13.1M | $250.0K | ||
| Q4 24 | $13.3M | $7.6M | ||
| Q3 24 | $10.9M | $-853.0K | ||
| Q2 24 | $10.8M | $91.2M |
营业利润率FSBCRGS
| Q1 26 | — | — | ||
| Q4 25 | 52.9% | 10.8% | ||
| Q3 25 | 53.8% | 10.0% | ||
| Q2 25 | 52.4% | 12.1% | ||
| Q1 25 | 52.0% | 8.8% | ||
| Q4 24 | 55.1% | 11.8% | ||
| Q3 24 | 48.0% | 4.6% | ||
| Q2 24 | 49.4% | — |
净利率FSBCRGS
| Q1 26 | 41.3% | — | ||
| Q4 25 | 40.6% | 0.8% | ||
| Q3 25 | 39.6% | 2.3% | ||
| Q2 25 | 37.9% | 192.9% | ||
| Q1 25 | 37.1% | 0.4% | ||
| Q4 24 | 37.9% | 16.4% | ||
| Q3 24 | 34.4% | -1.9% | ||
| Q2 24 | 35.2% | 184.7% |
每股收益（稀释后）FSBCRGS
| Q1 26 | $0.87 | — | ||
| Q4 25 | $0.83 | $0.16 | ||
| Q3 25 | $0.77 | $0.49 | ||
| Q2 25 | $0.68 | $43.67 | ||
| Q1 25 | $0.62 | $0.08 | ||
| Q4 24 | $0.61 | $2.71 | ||
| Q3 24 | $0.52 | $-0.36 | ||
| Q2 24 | $0.51 | $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 | $644.4M | $18.4M |
| 总债务越低越好 | — | $113.3M |
| 股东权益账面价值 | $458.5M | $188.7M |
| 总资产 | $5.0B | $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FSBCRGS
| Q1 26 | $644.4M | — | ||
| 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 |
总债务FSBCRGS
| 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FSBCRGS
| Q1 26 | $458.5M | — | ||
| Q4 25 | $445.8M | $188.7M | ||
| Q3 25 | $431.3M | $187.6M | ||
| Q2 25 | $416.7M | $185.6M | ||
| Q1 25 | $406.5M | $68.6M | ||
| Q4 24 | $396.6M | $66.7M | ||
| Q3 24 | $389.9M | $56.4M | ||
| Q2 24 | $380.5M | $56.8M |
总资产FSBCRGS
| Q1 26 | $5.0B | — | ||
| Q4 25 | $4.8B | $588.3M | ||
| Q3 25 | $4.6B | $592.1M | ||
| Q2 25 | $4.4B | $599.0M | ||
| Q1 25 | $4.2B | $511.2M | ||
| Q4 24 | $4.1B | $530.1M | ||
| Q3 24 | $3.9B | $508.9M | ||
| Q2 24 | $3.6B | $530.5M |
负债/权益比FSBCRGS
| 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FSBCRGS
| Q1 26 | — | — | ||
| Q4 25 | $72.6M | $1.7M | ||
| Q3 25 | $18.8M | $2.3M | ||
| Q2 25 | $17.8M | $6.8M | ||
| Q1 25 | $15.5M | $6.2M | ||
| Q4 24 | $51.8M | $2.1M | ||
| Q3 24 | $17.5M | $-1.3M | ||
| Q2 24 | $16.0M | $5.1M |
自由现金流FSBCRGS
| Q1 26 | — | — | ||
| Q4 25 | $71.4M | $891.0K | ||
| Q3 25 | $18.6M | $1.9M | ||
| Q2 25 | $17.5M | $6.2M | ||
| Q1 25 | $15.4M | $5.9M | ||
| Q4 24 | $51.2M | $1.7M | ||
| Q3 24 | $17.3M | $-1.4M | ||
| Q2 24 | $15.8M | $5.1M |
自由现金流率FSBCRGS
| Q1 26 | — | — | ||
| Q4 25 | 164.3% | 1.6% | ||
| Q3 25 | 45.0% | 3.2% | ||
| Q2 25 | 45.8% | 10.3% | ||
| Q1 25 | 43.5% | 10.3% | ||
| Q4 24 | 145.5% | 3.6% | ||
| Q3 24 | 54.5% | -3.0% | ||
| Q2 24 | 51.6% | 10.3% |
资本支出强度FSBCRGS
| Q1 26 | — | — | ||
| Q4 25 | 2.8% | 1.4% | ||
| Q3 25 | 0.5% | 0.7% | ||
| Q2 25 | 0.6% | 0.9% | ||
| Q1 25 | 0.3% | 0.6% | ||
| Q4 24 | 1.8% | 0.9% | ||
| Q3 24 | 0.7% | 0.0% | ||
| Q2 24 | 0.7% | 0.0% |
现金转化率FSBCRGS
| Q1 26 | — | — | ||
| Q4 25 | 4.12× | 3.65× | ||
| Q3 25 | 1.15× | 1.68× | ||
| Q2 25 | 1.23× | 0.06× | ||
| Q1 25 | 1.18× | 24.80× | ||
| Q4 24 | 3.89× | 0.28× | ||
| Q3 24 | 1.60× | — | ||
| Q2 24 | 1.49× | 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
FSBC
| Net Interest Income | $43.5M | 96% |
| Noninterest Income | $1.6M | 4% |
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
