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HORIZON BANCORP INC（HBNC）与REGIS CORP（RGS）财务数据对比。点击上方公司名可切换其他公司
HORIZON BANCORP INC的季度营收约是REGIS CORP的1.1倍（$63.5M vs $57.1M），HORIZON BANCORP INC净利率更高（42.4% vs 0.8%，领先41.6%），REGIS CORP同比增速更快（22.3% vs 19.5%），HORIZON BANCORP INC自由现金流更多（$74.3M vs $891.0K），过去两年HORIZON BANCORP INC的营收复合增速更高（9.2% vs 7.8%）
第一地平线集团（原第一田纳西银行）是一家金融服务企业，1864年成立，总部位于美国田纳西州孟菲斯。集团通过旗下银行子公司第一地平线银行，在美国东南部12个州开展金融业务，是该区域第四大区域性银行。
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。
HBNC vs RGS — 直观对比
营收规模更大
HBNC
是对方的1.1倍
$57.1M
营收增速更快
RGS
高出2.8%
19.5%
净利率更高
HBNC
高出41.6%
0.8%
自由现金流更多
HBNC
多$73.4M
$891.0K
两年增速更快
HBNC
近两年复合增速
7.8%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $63.5M | $57.1M |
| 净利润 | $26.9M | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | 51.5% | 10.8% |
| 净利率 | 42.4% | 0.8% |
| 营收同比 | 19.5% | 22.3% |
| 净利润同比 | 347.4% | -94.0% |
| 每股收益（稀释后） | $0.44 | $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HBNCRGS
| Q4 25 | $63.5M | $57.1M | ||
| Q3 25 | $58.4M | $59.0M | ||
| Q2 25 | $66.3M | $60.4M | ||
| Q1 25 | $68.8M | $57.0M | ||
| Q4 24 | $53.1M | $46.7M | ||
| Q3 24 | $58.4M | $46.1M | ||
| Q2 24 | $55.8M | $49.4M | ||
| Q1 24 | $53.2M | $49.2M |
净利润HBNCRGS
| Q4 25 | $26.9M | $456.0K | ||
| Q3 25 | $-222.0M | $1.4M | ||
| Q2 25 | $20.6M | $116.5M | ||
| Q1 25 | $23.9M | $250.0K | ||
| Q4 24 | $-10.9M | $7.6M | ||
| Q3 24 | $18.2M | $-853.0K | ||
| Q2 24 | $14.1M | $91.2M | ||
| Q1 24 | $14.0M | $-2.3M |
营业利润率HBNCRGS
| Q4 25 | 51.5% | 10.8% | ||
| Q3 25 | -490.4% | 10.0% | ||
| Q2 25 | 36.8% | 12.1% | ||
| Q1 25 | 40.8% | 8.8% | ||
| Q4 24 | -41.3% | 11.8% | ||
| Q3 24 | 31.0% | 4.6% | ||
| Q2 24 | 28.5% | — | ||
| Q1 24 | 28.8% | 8.3% |
净利率HBNCRGS
| Q4 25 | 42.4% | 0.8% | ||
| Q3 25 | -380.2% | 2.3% | ||
| Q2 25 | 31.1% | 192.9% | ||
| Q1 25 | 34.8% | 0.4% | ||
| Q4 24 | -20.5% | 16.4% | ||
| Q3 24 | 31.1% | -1.9% | ||
| Q2 24 | 25.4% | 184.7% | ||
| Q1 24 | 26.3% | -4.7% |
每股收益（稀释后）HBNCRGS
| Q4 25 | $0.44 | $0.16 | ||
| Q3 25 | $-4.69 | $0.49 | ||
| Q2 25 | $0.47 | $43.67 | ||
| Q1 25 | $0.54 | $0.08 | ||
| Q4 24 | $-0.25 | $2.71 | ||
| Q3 24 | $0.41 | $-0.36 | ||
| Q2 24 | $0.32 | $38.40 | ||
| Q1 24 | $0.32 | $-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 | $139.5M | $18.4M |
| 总债务越低越好 | $248.6M | $113.3M |
| 股东权益账面价值 | $688.3M | $188.7M |
| 总资产 | $6.4B | $588.3M |
| 负债/权益比越低杠杆越低 | 0.36× | 0.60× |
8季度趋势，按日历期对齐
现金及短期投资HBNCRGS
| Q4 25 | $139.5M | $18.4M | ||
| Q3 25 | $458.3M | $16.6M | ||
| Q2 25 | $137.9M | $17.0M | ||
| Q1 25 | $169.7M | $13.3M | ||
| Q4 24 | $293.4M | $10.2M | ||
| Q3 24 | $234.8M | $6.3M | ||
| Q2 24 | $146.1M | $10.1M | ||
| Q1 24 | — | $5.9M |
总债务HBNCRGS
| Q4 25 | $248.6M | $113.3M | ||
| Q3 25 | — | $111.3M | ||
| Q2 25 | — | $110.8M | ||
| Q1 25 | — | $112.0M | ||
| Q4 24 | $1.2B | $111.5M | ||
| Q3 24 | — | $95.2M | ||
| Q2 24 | — | $99.5M | ||
| Q1 24 | — | $179.7M |
股东权益HBNCRGS
| Q4 25 | $688.3M | $188.7M | ||
| Q3 25 | $660.8M | $187.6M | ||
| Q2 25 | $790.9M | $185.6M | ||
| Q1 25 | $776.1M | $68.6M | ||
| Q4 24 | $763.6M | $66.7M | ||
| Q3 24 | $754.8M | $56.4M | ||
| Q2 24 | $726.7M | $56.8M | ||
| Q1 24 | $721.3M | $-35.8M |
总资产HBNCRGS
| Q4 25 | $6.4B | $588.3M | ||
| Q3 25 | $6.7B | $592.1M | ||
| Q2 25 | $7.7B | $599.0M | ||
| Q1 25 | $7.6B | $511.2M | ||
| Q4 24 | $7.8B | $530.1M | ||
| Q3 24 | $7.9B | $508.9M | ||
| Q2 24 | $7.9B | $530.5M | ||
| Q1 24 | $7.9B | $543.7M |
负债/权益比HBNCRGS
| Q4 25 | 0.36× | 0.60× | ||
| Q3 25 | — | 0.59× | ||
| Q2 25 | — | 0.60× | ||
| Q1 25 | — | 1.63× | ||
| Q4 24 | 1.61× | 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 | $79.2M | $1.7M |
| 自由现金流经营现金流 - 资本支出 | $74.3M | $891.0K |
| 自由现金流率自由现金流/营收 | 117.0% | 1.6% |
| 资本支出强度资本支出/营收 | 7.8% | 1.4% |
| 现金转化率经营现金流/净利润 | 2.94× | 3.65× |
| 过去12个月自由现金流最近4个季度 | $115.9M | $14.9M |
8季度趋势，按日历期对齐
经营现金流HBNCRGS
| Q4 25 | $79.2M | $1.7M | ||
| Q3 25 | $10.9M | $2.3M | ||
| Q2 25 | $19.5M | $6.8M | ||
| Q1 25 | $15.2M | $6.2M | ||
| Q4 24 | $6.4M | $2.1M | ||
| Q3 24 | $32.3M | $-1.3M | ||
| Q2 24 | $15.9M | $5.1M | ||
| Q1 24 | $6.5M | $-277.0K |
自由现金流HBNCRGS
| Q4 25 | $74.3M | $891.0K | ||
| Q3 25 | $9.4M | $1.9M | ||
| Q2 25 | $18.1M | $6.2M | ||
| Q1 25 | $14.1M | $5.9M | ||
| Q4 24 | $1.3M | $1.7M | ||
| Q3 24 | $31.0M | $-1.4M | ||
| Q2 24 | $15.1M | $5.1M | ||
| Q1 24 | $5.4M | $-326.0K |
自由现金流率HBNCRGS
| Q4 25 | 117.0% | 1.6% | ||
| Q3 25 | 16.1% | 3.2% | ||
| Q2 25 | 27.3% | 10.3% | ||
| Q1 25 | 20.5% | 10.3% | ||
| Q4 24 | 2.4% | 3.6% | ||
| Q3 24 | 53.1% | -3.0% | ||
| Q2 24 | 27.1% | 10.3% | ||
| Q1 24 | 10.1% | -0.7% |
资本支出强度HBNCRGS
| Q4 25 | 7.8% | 1.4% | ||
| Q3 25 | 2.6% | 0.7% | ||
| Q2 25 | 2.1% | 0.9% | ||
| Q1 25 | 1.6% | 0.6% | ||
| Q4 24 | 9.6% | 0.9% | ||
| Q3 24 | 2.2% | 0.0% | ||
| Q2 24 | 1.5% | 0.0% | ||
| Q1 24 | 2.2% | 0.1% |
现金转化率HBNCRGS
| Q4 25 | 2.94× | 3.65× | ||
| Q3 25 | — | 1.68× | ||
| Q2 25 | 0.94× | 0.06× | ||
| Q1 25 | 0.64× | 24.80× | ||
| Q4 24 | — | 0.28× | ||
| Q3 24 | 1.78× | — | ||
| Q2 24 | 1.13× | 0.06× | ||
| Q1 24 | 0.47× | — |
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
HBNC
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% |
