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FIRSTSUN CAPITAL BANCORP（FSUN）与REGIS CORP（RGS）财务数据对比。点击上方公司名可切换其他公司
FIRSTSUN CAPITAL BANCORP的季度营收约是REGIS CORP的1.9倍（$110.0M vs $57.1M），FIRSTSUN CAPITAL BANCORP净利率更高（19.6% vs 0.8%，领先18.8%），过去两年REGIS CORP的营收复合增速更高（7.8% vs 6.9%）
FirstSun Capital Bancorp是一家总部位于美国的金融控股公司，提供商业及个人贷款、存款产品、财富管理、财资解决方案等全面的银行金融服务，主要面向美国区域市场的个人消费者、中小企业及企业客户。
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。
FSUN vs RGS — 直观对比
营收规模更大
FSUN
是对方的1.9倍
$57.1M
净利率更高
FSUN
高出18.8%
0.8%
两年增速更快
RGS
近两年复合增速
6.9%
损益表 — Q1 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $110.0M | $57.1M |
| 净利润 | $21.6M | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | — | 10.8% |
| 净利率 | 19.6% | 0.8% |
| 营收同比 | — | 22.3% |
| 净利润同比 | -8.4% | -94.0% |
| 每股收益（稀释后） | $0.76 | $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FSUNRGS
| Q1 26 | $110.0M | — | ||
| Q4 25 | $110.2M | $57.1M | ||
| Q3 25 | $107.3M | $59.0M | ||
| Q2 25 | $105.6M | $60.4M | ||
| Q1 25 | $96.2M | $57.0M | ||
| Q4 24 | $98.7M | $46.7M | ||
| Q3 24 | $98.2M | $46.1M | ||
| Q2 24 | $96.2M | $49.4M |
净利润FSUNRGS
| Q1 26 | $21.6M | — | ||
| Q4 25 | $24.8M | $456.0K | ||
| Q3 25 | $23.2M | $1.4M | ||
| Q2 25 | $26.4M | $116.5M | ||
| Q1 25 | $23.6M | $250.0K | ||
| Q4 24 | $16.4M | $7.6M | ||
| Q3 24 | $22.4M | $-853.0K | ||
| Q2 24 | $24.6M | $91.2M |
营业利润率FSUNRGS
| Q1 26 | — | — | ||
| Q4 25 | 29.0% | 10.8% | ||
| Q3 25 | 26.4% | 10.0% | ||
| Q2 25 | 31.2% | 12.1% | ||
| Q1 25 | 30.9% | 8.8% | ||
| Q4 24 | 20.4% | 11.8% | ||
| Q3 24 | 29.1% | 4.6% | ||
| Q2 24 | 32.3% | — |
净利率FSUNRGS
| Q1 26 | 19.6% | — | ||
| Q4 25 | 22.5% | 0.8% | ||
| Q3 25 | 21.6% | 2.3% | ||
| Q2 25 | 25.0% | 192.9% | ||
| Q1 25 | 24.5% | 0.4% | ||
| Q4 24 | 16.6% | 16.4% | ||
| Q3 24 | 22.8% | -1.9% | ||
| Q2 24 | 25.5% | 184.7% |
每股收益（稀释后）FSUNRGS
| Q1 26 | $0.76 | — | ||
| Q4 25 | $0.89 | $0.16 | ||
| Q3 25 | $0.82 | $0.49 | ||
| Q2 25 | $0.93 | $43.67 | ||
| Q1 25 | $0.83 | $0.08 | ||
| Q4 24 | $0.57 | $2.71 | ||
| Q3 24 | $0.79 | $-0.36 | ||
| Q2 24 | $0.88 | $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 | $413.7M | $18.4M |
| 总债务越低越好 | — | $113.3M |
| 股东权益账面价值 | $1.2B | $188.7M |
| 总资产 | $8.6B | $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FSUNRGS
| Q1 26 | $413.7M | — | ||
| Q4 25 | $652.6M | $18.4M | ||
| Q3 25 | $659.9M | $16.6M | ||
| Q2 25 | $785.1M | $17.0M | ||
| Q1 25 | $621.4M | $13.3M | ||
| Q4 24 | $615.9M | $10.2M | ||
| Q3 24 | $573.7M | $6.3M | ||
| Q2 24 | $535.8M | $10.1M |
总债务FSUNRGS
| 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FSUNRGS
| Q1 26 | $1.2B | — | ||
| Q4 25 | $1.2B | $188.7M | ||
| Q3 25 | $1.1B | $187.6M | ||
| Q2 25 | $1.1B | $185.6M | ||
| Q1 25 | $1.1B | $68.6M | ||
| Q4 24 | $1.0B | $66.7M | ||
| Q3 24 | $1.0B | $56.4M | ||
| Q2 24 | $996.6M | $56.8M |
总资产FSUNRGS
| Q1 26 | $8.6B | — | ||
| Q4 25 | $8.5B | $588.3M | ||
| Q3 25 | $8.5B | $592.1M | ||
| Q2 25 | $8.4B | $599.0M | ||
| Q1 25 | $8.2B | $511.2M | ||
| Q4 24 | $8.1B | $530.1M | ||
| Q3 24 | $8.1B | $508.9M | ||
| Q2 24 | $8.0B | $530.5M |
负债/权益比FSUNRGS
| 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FSUNRGS
| Q1 26 | — | — | ||
| Q4 25 | $111.5M | $1.7M | ||
| Q3 25 | $49.4M | $2.3M | ||
| Q2 25 | $15.0M | $6.8M | ||
| Q1 25 | $26.4M | $6.2M | ||
| Q4 24 | $101.1M | $2.1M | ||
| Q3 24 | $48.1M | $-1.3M | ||
| Q2 24 | $20.9M | $5.1M |
自由现金流FSUNRGS
| Q1 26 | — | — | ||
| Q4 25 | $104.0M | $891.0K | ||
| Q3 25 | $47.6M | $1.9M | ||
| Q2 25 | $13.0M | $6.2M | ||
| Q1 25 | $24.3M | $5.9M | ||
| Q4 24 | $95.7M | $1.7M | ||
| Q3 24 | $47.1M | $-1.4M | ||
| Q2 24 | $19.9M | $5.1M |
自由现金流率FSUNRGS
| Q1 26 | — | — | ||
| Q4 25 | 94.3% | 1.6% | ||
| Q3 25 | 44.4% | 3.2% | ||
| Q2 25 | 12.3% | 10.3% | ||
| Q1 25 | 25.3% | 10.3% | ||
| Q4 24 | 97.0% | 3.6% | ||
| Q3 24 | 47.9% | -3.0% | ||
| Q2 24 | 20.6% | 10.3% |
资本支出强度FSUNRGS
| Q1 26 | — | — | ||
| Q4 25 | 6.8% | 1.4% | ||
| Q3 25 | 1.6% | 0.7% | ||
| Q2 25 | 1.9% | 0.9% | ||
| Q1 25 | 2.1% | 0.6% | ||
| Q4 24 | 5.5% | 0.9% | ||
| Q3 24 | 1.1% | 0.0% | ||
| Q2 24 | 1.1% | 0.0% |
现金转化率FSUNRGS
| Q1 26 | — | — | ||
| Q4 25 | 4.49× | 3.65× | ||
| Q3 25 | 2.13× | 1.68× | ||
| Q2 25 | 0.57× | 0.06× | ||
| Q1 25 | 1.12× | 24.80× | ||
| Q4 24 | 6.18× | 0.28× | ||
| Q3 24 | 2.15× | — | ||
| Q2 24 | 0.85× | 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
FSUN
| Net Interest Income | $82.8M | 75% |
| Noninterest Income | $27.2M | 25% |
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
