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合众银行（HBCP）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1.5倍（$57.1M vs $38.2M），合众银行净利率更高（29.7% vs 0.8%，领先28.9%），过去两年REGIS CORP的营收复合增速更高（7.8% vs 7.4%）
该企业是总部位于美国明尼苏达州明尼阿波利斯、在特拉华州注册的跨国银行机构，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，主营银行、投资、抵押贷款等各类金融业务。
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。
HBCP vs RGS — 直观对比
营收规模更大
RGS
是对方的1.5倍
$38.2M
净利率更高
HBCP
高出28.9%
0.8%
两年增速更快
RGS
近两年复合增速
7.4%
损益表 — Q1 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $38.2M | $57.1M |
| 净利润 | $11.4M | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | — | 10.8% |
| 净利率 | 29.7% | 0.8% |
| 营收同比 | — | 22.3% |
| 净利润同比 | — | -94.0% |
| 每股收益（稀释后） | $1.45 | $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HBCPRGS
| Q1 26 | $38.2M | — | ||
| Q4 25 | $38.0M | $57.1M | ||
| Q3 25 | $37.8M | $59.0M | ||
| Q2 25 | $37.1M | $60.4M | ||
| Q1 25 | $35.8M | $57.0M | ||
| Q4 24 | $35.2M | $46.7M | ||
| Q3 24 | $34.1M | $46.1M | ||
| Q2 24 | $33.1M | $49.4M |
净利润HBCPRGS
| Q1 26 | $11.4M | — | ||
| Q4 25 | $11.4M | $456.0K | ||
| Q3 25 | $12.4M | $1.4M | ||
| Q2 25 | $11.3M | $116.5M | ||
| Q1 25 | $11.0M | $250.0K | ||
| Q4 24 | $9.7M | $7.6M | ||
| Q3 24 | $9.4M | $-853.0K | ||
| Q2 24 | $8.1M | $91.2M |
营业利润率HBCPRGS
| Q1 26 | — | — | ||
| Q4 25 | 38.2% | 10.8% | ||
| Q3 25 | 41.1% | 10.0% | ||
| Q2 25 | 38.2% | 12.1% | ||
| Q1 25 | 38.6% | 8.8% | ||
| Q4 24 | 34.0% | 11.8% | ||
| Q3 24 | 34.3% | 4.6% | ||
| Q2 24 | 30.4% | — |
净利率HBCPRGS
| Q1 26 | 29.7% | — | ||
| Q4 25 | 30.0% | 0.8% | ||
| Q3 25 | 32.7% | 2.3% | ||
| Q2 25 | 30.6% | 192.9% | ||
| Q1 25 | 30.7% | 0.4% | ||
| Q4 24 | 27.5% | 16.4% | ||
| Q3 24 | 27.7% | -1.9% | ||
| Q2 24 | 24.5% | 184.7% |
每股收益（稀释后）HBCPRGS
| Q1 26 | $1.45 | — | ||
| Q4 25 | $1.46 | $0.16 | ||
| Q3 25 | $1.59 | $0.49 | ||
| Q2 25 | $1.45 | $43.67 | ||
| Q1 25 | $1.37 | $0.08 | ||
| Q4 24 | $1.21 | $2.71 | ||
| Q3 24 | $1.18 | $-0.36 | ||
| Q2 24 | $1.02 | $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 | $223.5M | $18.4M |
| 总债务越低越好 | — | $113.3M |
| 股东权益账面价值 | $444.4M | $188.7M |
| 总资产 | $3.6B | $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HBCPRGS
| Q1 26 | $223.5M | — | ||
| 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HBCPRGS
| 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HBCPRGS
| Q1 26 | $444.4M | — | ||
| Q4 25 | $435.1M | $188.7M | ||
| Q3 25 | $423.0M | $187.6M | ||
| Q2 25 | $408.8M | $185.6M | ||
| Q1 25 | $402.8M | $68.6M | ||
| Q4 24 | $396.1M | $66.7M | ||
| Q3 24 | $393.5M | $56.4M | ||
| Q2 24 | $375.8M | $56.8M |
总资产HBCPRGS
| Q1 26 | $3.6B | — | ||
| Q4 25 | $3.5B | $588.3M | ||
| Q3 25 | $3.5B | $592.1M | ||
| Q2 25 | $3.5B | $599.0M | ||
| Q1 25 | $3.5B | $511.2M | ||
| Q4 24 | $3.4B | $530.1M | ||
| Q3 24 | $3.4B | $508.9M | ||
| Q2 24 | $3.4B | $530.5M |
负债/权益比HBCPRGS
| 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HBCPRGS
| Q1 26 | — | — | ||
| Q4 25 | $54.5M | $1.7M | ||
| Q3 25 | $21.5M | $2.3M | ||
| Q2 25 | $8.7M | $6.8M | ||
| Q1 25 | $12.6M | $6.2M | ||
| Q4 24 | $48.7M | $2.1M | ||
| Q3 24 | $17.6M | $-1.3M | ||
| Q2 24 | $15.0M | $5.1M |
自由现金流HBCPRGS
| Q1 26 | — | — | ||
| Q4 25 | $44.3M | $891.0K | ||
| Q3 25 | $20.7M | $1.9M | ||
| Q2 25 | $7.9M | $6.2M | ||
| Q1 25 | $8.7M | $5.9M | ||
| Q4 24 | $44.7M | $1.7M | ||
| Q3 24 | $17.0M | $-1.4M | ||
| Q2 24 | $13.4M | $5.1M |
自由现金流率HBCPRGS
| Q1 26 | — | — | ||
| Q4 25 | 116.5% | 1.6% | ||
| Q3 25 | 54.6% | 3.2% | ||
| Q2 25 | 21.3% | 10.3% | ||
| Q1 25 | 24.3% | 10.3% | ||
| Q4 24 | 126.9% | 3.6% | ||
| Q3 24 | 49.8% | -3.0% | ||
| Q2 24 | 40.3% | 10.3% |
资本支出强度HBCPRGS
| Q1 26 | — | — | ||
| Q4 25 | 26.7% | 1.4% | ||
| Q3 25 | 2.2% | 0.7% | ||
| Q2 25 | 2.3% | 0.9% | ||
| Q1 25 | 10.8% | 0.6% | ||
| Q4 24 | 11.5% | 0.9% | ||
| Q3 24 | 1.9% | 0.0% | ||
| Q2 24 | 4.9% | 0.0% |
现金转化率HBCPRGS
| Q1 26 | — | — | ||
| Q4 25 | 4.78× | 3.65× | ||
| Q3 25 | 1.74× | 1.68× | ||
| Q2 25 | 0.77× | 0.06× | ||
| Q1 25 | 1.15× | 24.80× | ||
| Q4 24 | 5.04× | 0.28× | ||
| Q3 24 | 1.87× | — | ||
| Q2 24 | 1.84× | 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
HBCP
| Net Interest Income | $34.5M | 90% |
| Noninterest Income | $3.7M | 10% |
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
