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INDEPENDENT BANK CORP（IBCP）与REGIS CORP（RGS）财务数据对比。点击上方公司名可切换其他公司
INDEPENDENT BANK CORP的季度营收约是REGIS CORP的1.0倍（$58.9M vs $57.1M），INDEPENDENT BANK CORP净利率更高（28.6% vs 0.8%，领先27.9%），过去两年REGIS CORP的营收复合增速更高（7.8% vs 2.1%）
独立银行公司（密歇根州）是一家总部位于密歇根州大急流城的银行机构，目前共开设62家营业网点，所有网点均布局于密歇根州境内，主要为当地市场提供各类银行金融服务。
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。
IBCP vs RGS — 直观对比
营收规模更大
IBCP
是对方的1.0倍
$57.1M
净利率更高
IBCP
高出27.9%
0.8%
两年增速更快
RGS
近两年复合增速
2.1%
损益表 — Q1 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $58.9M | $57.1M |
| 净利润 | $16.9M | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | — | 10.8% |
| 净利率 | 28.6% | 0.8% |
| 营收同比 | — | 22.3% |
| 净利润同比 | 8.2% | -94.0% |
| 每股收益（稀释后） | $0.81 | $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IBCPRGS
| Q1 26 | $58.9M | — | ||
| Q4 25 | $58.3M | $57.1M | ||
| Q3 25 | $57.3M | $59.0M | ||
| Q2 25 | $55.9M | $60.4M | ||
| Q1 25 | $54.1M | $57.0M | ||
| Q4 24 | $62.0M | $46.7M | ||
| Q3 24 | $51.4M | $46.1M | ||
| Q2 24 | $56.5M | $49.4M |
净利润IBCPRGS
| Q1 26 | $16.9M | — | ||
| Q4 25 | $18.6M | $456.0K | ||
| Q3 25 | $17.5M | $1.4M | ||
| Q2 25 | $16.9M | $116.5M | ||
| Q1 25 | $15.6M | $250.0K | ||
| Q4 24 | $18.5M | $7.6M | ||
| Q3 24 | $13.8M | $-853.0K | ||
| Q2 24 | $18.5M | $91.2M |
营业利润率IBCPRGS
| Q1 26 | — | — | ||
| Q4 25 | 34.8% | 10.8% | ||
| Q3 25 | 37.0% | 10.0% | ||
| Q2 25 | 37.0% | 12.1% | ||
| Q1 25 | 35.3% | 8.8% | ||
| Q4 24 | 36.7% | 11.8% | ||
| Q3 24 | 33.7% | 4.6% | ||
| Q2 24 | 41.0% | — |
净利率IBCPRGS
| Q1 26 | 28.6% | — | ||
| Q4 25 | 31.8% | 0.8% | ||
| Q3 25 | 30.5% | 2.3% | ||
| Q2 25 | 30.2% | 192.9% | ||
| Q1 25 | 28.8% | 0.4% | ||
| Q4 24 | 29.8% | 16.4% | ||
| Q3 24 | 26.9% | -1.9% | ||
| Q2 24 | 32.8% | 184.7% |
每股收益（稀释后）IBCPRGS
| Q1 26 | $0.81 | — | ||
| Q4 25 | $0.88 | $0.16 | ||
| Q3 25 | $0.84 | $0.49 | ||
| Q2 25 | $0.81 | $43.67 | ||
| Q1 25 | $0.74 | $0.08 | ||
| Q4 24 | $0.87 | $2.71 | ||
| Q3 24 | $0.65 | $-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 | $174.9M | $18.4M |
| 总债务越低越好 | — | $113.3M |
| 股东权益账面价值 | $510.6M | $188.7M |
| 总资产 | $5.6B | $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IBCPRGS
| Q1 26 | $174.9M | — | ||
| Q4 25 | $138.4M | $18.4M | ||
| Q3 25 | $208.7M | $16.6M | ||
| Q2 25 | $146.2M | $17.0M | ||
| Q1 25 | $128.1M | $13.3M | ||
| Q4 24 | $119.9M | $10.2M | ||
| Q3 24 | $121.6M | $6.3M | ||
| Q2 24 | $214.3M | $10.1M |
总债务IBCPRGS
| 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IBCPRGS
| Q1 26 | $510.6M | — | ||
| Q4 25 | $503.0M | $188.7M | ||
| Q3 25 | $490.7M | $187.6M | ||
| Q2 25 | $469.3M | $185.6M | ||
| Q1 25 | $467.3M | $68.6M | ||
| Q4 24 | $454.7M | $66.7M | ||
| Q3 24 | $452.4M | $56.4M | ||
| Q2 24 | $430.5M | $56.8M |
总资产IBCPRGS
| Q1 26 | $5.6B | — | ||
| Q4 25 | $5.5B | $588.3M | ||
| Q3 25 | $5.5B | $592.1M | ||
| Q2 25 | $5.4B | $599.0M | ||
| Q1 25 | $5.3B | $511.2M | ||
| Q4 24 | $5.3B | $530.1M | ||
| Q3 24 | $5.3B | $508.9M | ||
| Q2 24 | $5.3B | $530.5M |
负债/权益比IBCPRGS
| 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IBCPRGS
| Q1 26 | — | — | ||
| Q4 25 | $76.7M | $1.7M | ||
| Q3 25 | $18.2M | $2.3M | ||
| Q2 25 | $19.0M | $6.8M | ||
| Q1 25 | $31.7M | $6.2M | ||
| Q4 24 | $63.2M | $2.1M | ||
| Q3 24 | $17.2M | $-1.3M | ||
| Q2 24 | $8.7M | $5.1M |
自由现金流IBCPRGS
| Q1 26 | — | — | ||
| Q4 25 | $70.2M | $891.0K | ||
| Q3 25 | $16.5M | $1.9M | ||
| Q2 25 | $16.7M | $6.2M | ||
| Q1 25 | $30.6M | $5.9M | ||
| Q4 24 | $55.2M | $1.7M | ||
| Q3 24 | $15.7M | $-1.4M | ||
| Q2 24 | $7.0M | $5.1M |
自由现金流率IBCPRGS
| Q1 26 | — | — | ||
| Q4 25 | 120.3% | 1.6% | ||
| Q3 25 | 28.9% | 3.2% | ||
| Q2 25 | 29.8% | 10.3% | ||
| Q1 25 | 56.5% | 10.3% | ||
| Q4 24 | 89.1% | 3.6% | ||
| Q3 24 | 30.6% | -3.0% | ||
| Q2 24 | 12.3% | 10.3% |
资本支出强度IBCPRGS
| Q1 26 | — | — | ||
| Q4 25 | 11.1% | 1.4% | ||
| Q3 25 | 2.9% | 0.7% | ||
| Q2 25 | 4.1% | 0.9% | ||
| Q1 25 | 2.1% | 0.6% | ||
| Q4 24 | 12.8% | 0.9% | ||
| Q3 24 | 2.9% | 0.0% | ||
| Q2 24 | 3.1% | 0.0% |
现金转化率IBCPRGS
| Q1 26 | — | — | ||
| Q4 25 | 4.13× | 3.65× | ||
| Q3 25 | 1.04× | 1.68× | ||
| Q2 25 | 1.12× | 0.06× | ||
| Q1 25 | 2.03× | 24.80× | ||
| Q4 24 | 3.42× | 0.28× | ||
| Q3 24 | 1.25× | — | ||
| Q2 24 | 0.47× | 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
IBCP
| Net Interest Income | $46.9M | 80% |
| Noninterest Income | $12.0M | 20% |
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
