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HANMI FINANCIAL CORP（HAFC）与REGIS CORP（RGS）财务数据对比。点击上方公司名可切换其他公司
HANMI FINANCIAL CORP的季度营收约是REGIS CORP的1.2倍（$71.2M vs $57.1M），HANMI FINANCIAL CORP净利率更高（29.8% vs 0.8%，领先29.0%），REGIS CORP同比增速更快（22.3% vs 17.1%），HANMI FINANCIAL CORP自由现金流更多（$203.7M vs $891.0K），过去两年HANMI FINANCIAL CORP的营收复合增速更高（10.4% vs 7.8%）
韩美金融（HANMI FINANCIAL CORP）旗下韩美银行是一家总部位于美国加利福尼亚州洛杉矶的社区银行，目前在加州、得州、伊利诺伊州、纽约州、新泽西州和弗吉尼亚州共设有35家分行与8个贷款业务办事处。
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。
HAFC vs RGS — 直观对比
营收规模更大
HAFC
是对方的1.2倍
$57.1M
营收增速更快
RGS
高出5.2%
17.1%
净利率更高
HAFC
高出29.0%
0.8%
自由现金流更多
HAFC
多$202.8M
$891.0K
两年增速更快
HAFC
近两年复合增速
7.8%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $71.2M | $57.1M |
| 净利润 | $21.2M | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | 29.8% | 10.8% |
| 净利率 | 29.8% | 0.8% |
| 营收同比 | 17.1% | 22.3% |
| 净利润同比 | 20.0% | -94.0% |
| 每股收益（稀释后） | $0.70 | $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HAFCRGS
| Q4 25 | $71.2M | $57.1M | ||
| Q3 25 | $71.0M | $59.0M | ||
| Q2 25 | $65.2M | $60.4M | ||
| Q1 25 | $62.8M | $57.0M | ||
| Q4 24 | $60.8M | $46.7M | ||
| Q3 24 | $58.5M | $46.1M | ||
| Q2 24 | $56.7M | $49.4M | ||
| Q1 24 | $58.4M | $49.2M |
净利润HAFCRGS
| Q4 25 | $21.2M | $456.0K | ||
| Q3 25 | $22.1M | $1.4M | ||
| Q2 25 | $15.1M | $116.5M | ||
| Q1 25 | $17.7M | $250.0K | ||
| Q4 24 | $17.7M | $7.6M | ||
| Q3 24 | $14.9M | $-853.0K | ||
| Q2 24 | $14.5M | $91.2M | ||
| Q1 24 | $15.2M | $-2.3M |
营业利润率HAFCRGS
| Q4 25 | 29.8% | 10.8% | ||
| Q3 25 | 31.1% | 10.0% | ||
| Q2 25 | 23.2% | 12.1% | ||
| Q1 25 | 28.1% | 8.8% | ||
| Q4 24 | 29.1% | 11.8% | ||
| Q3 24 | 25.5% | 4.6% | ||
| Q2 24 | 25.5% | — | ||
| Q1 24 | 26.0% | 8.3% |
净利率HAFCRGS
| Q4 25 | 29.8% | 0.8% | ||
| Q3 25 | 31.1% | 2.3% | ||
| Q2 25 | 23.2% | 192.9% | ||
| Q1 25 | 28.1% | 0.4% | ||
| Q4 24 | 29.1% | 16.4% | ||
| Q3 24 | 25.5% | -1.9% | ||
| Q2 24 | 25.5% | 184.7% | ||
| Q1 24 | 26.0% | -4.7% |
每股收益（稀释后）HAFCRGS
| Q4 25 | $0.70 | $0.16 | ||
| Q3 25 | $0.73 | $0.49 | ||
| Q2 25 | $0.50 | $43.67 | ||
| Q1 25 | $0.58 | $0.08 | ||
| Q4 24 | $0.58 | $2.71 | ||
| Q3 24 | $0.49 | $-0.36 | ||
| Q2 24 | $0.48 | $38.40 | ||
| Q1 24 | $0.50 | $-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 | — | $113.3M |
| 股东权益账面价值 | $796.4M | $188.7M |
| 总资产 | $7.9B | $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HAFCRGS
| 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HAFCRGS
| 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 | ||
| Q1 24 | — | $179.7M |
股东权益HAFCRGS
| Q4 25 | $796.4M | $188.7M | ||
| Q3 25 | $779.5M | $187.6M | ||
| Q2 25 | $762.8M | $185.6M | ||
| Q1 25 | $751.5M | $68.6M | ||
| Q4 24 | $732.2M | $66.7M | ||
| Q3 24 | $736.7M | $56.4M | ||
| Q2 24 | $707.1M | $56.8M | ||
| Q1 24 | $703.1M | $-35.8M |
总资产HAFCRGS
| Q4 25 | $7.9B | $588.3M | ||
| Q3 25 | $7.9B | $592.1M | ||
| Q2 25 | $7.9B | $599.0M | ||
| Q1 25 | $7.7B | $511.2M | ||
| Q4 24 | $7.7B | $530.1M | ||
| Q3 24 | $7.7B | $508.9M | ||
| Q2 24 | $7.6B | $530.5M | ||
| Q1 24 | $7.5B | $543.7M |
负债/权益比HAFCRGS
| 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× | ||
| Q1 24 | — | — |
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 | $206.0M | $1.7M |
| 自由现金流经营现金流 - 资本支出 | $203.7M | $891.0K |
| 自由现金流率自由现金流/营收 | 286.2% | 1.6% |
| 资本支出强度资本支出/营收 | 3.2% | 1.4% |
| 现金转化率经营现金流/净利润 | 9.70× | 3.65× |
| 过去12个月自由现金流最近4个季度 | $356.1M | $14.9M |
8季度趋势，按日历期对齐
经营现金流HAFCRGS
| Q4 25 | $206.0M | $1.7M | ||
| Q3 25 | $146.9M | $2.3M | ||
| Q2 25 | $-19.0M | $6.8M | ||
| Q1 25 | $25.8M | $6.2M | ||
| Q4 24 | $52.6M | $2.1M | ||
| Q3 24 | $6.7M | $-1.3M | ||
| Q2 24 | $2.1M | $5.1M | ||
| Q1 24 | $30.0M | $-277.0K |
自由现金流HAFCRGS
| Q4 25 | $203.7M | $891.0K | ||
| Q3 25 | $146.4M | $1.9M | ||
| Q2 25 | $-19.6M | $6.2M | ||
| Q1 25 | $25.6M | $5.9M | ||
| Q4 24 | $49.9M | $1.7M | ||
| Q3 24 | $6.5M | $-1.4M | ||
| Q2 24 | $1.3M | $5.1M | ||
| Q1 24 | $29.2M | $-326.0K |
自由现金流率HAFCRGS
| Q4 25 | 286.2% | 1.6% | ||
| Q3 25 | 206.3% | 3.2% | ||
| Q2 25 | -30.0% | 10.3% | ||
| Q1 25 | 40.7% | 10.3% | ||
| Q4 24 | 82.1% | 3.6% | ||
| Q3 24 | 11.1% | -3.0% | ||
| Q2 24 | 2.3% | 10.3% | ||
| Q1 24 | 50.0% | -0.7% |
资本支出强度HAFCRGS
| Q4 25 | 3.2% | 1.4% | ||
| Q3 25 | 0.8% | 0.7% | ||
| Q2 25 | 0.9% | 0.9% | ||
| Q1 25 | 0.4% | 0.6% | ||
| Q4 24 | 4.3% | 0.9% | ||
| Q3 24 | 0.4% | 0.0% | ||
| Q2 24 | 1.4% | 0.0% | ||
| Q1 24 | 1.4% | 0.1% |
现金转化率HAFCRGS
| Q4 25 | 9.70× | 3.65× | ||
| Q3 25 | 6.66× | 1.68× | ||
| Q2 25 | -1.26× | 0.06× | ||
| Q1 25 | 1.46× | 24.80× | ||
| Q4 24 | 2.97× | 0.28× | ||
| Q3 24 | 0.45× | — | ||
| Q2 24 | 0.14× | 0.06× | ||
| Q1 24 | 1.98× | — |
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
HAFC
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% |
