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First Internet Bancorp（INBK）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First Internet Bancorp的1.3倍（$57.1M vs $43.1M），First Internet Bancorp净利率更高（5.8% vs 0.8%，领先5.0%），过去两年First Internet Bancorp的营收复合增速更高（15.4% vs 7.8%）
第一互联网班克公司是一家美国银行控股公司，总部位于印第安纳州费舍尔斯，旗下唯一子公司为印第安纳第一互联网银行。该银行是美国最早一批仅通过线上与电话开展业务、不设实体网点的州特许银行之一。
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。
INBK vs RGS — 直观对比
营收规模更大
RGS
是对方的1.3倍
$43.1M
净利率更高
INBK
高出5.0%
0.8%
两年增速更快
INBK
近两年复合增速
7.8%
损益表 — Q1 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $43.1M | $57.1M |
| 净利润 | $2.5M | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | — | 10.8% |
| 净利率 | 5.8% | 0.8% |
| 营收同比 | — | 22.3% |
| 净利润同比 | — | -94.0% |
| 每股收益（稀释后） | $0.29 | $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INBKRGS
| Q1 26 | $43.1M | — | ||
| Q4 25 | $30.3M | $57.1M | ||
| Q3 25 | $5.7M | $59.0M | ||
| Q2 25 | $33.5M | $60.4M | ||
| Q1 25 | $35.5M | $57.0M | ||
| Q4 24 | $39.5M | $46.7M | ||
| Q3 24 | $33.8M | $46.1M | ||
| Q2 24 | $32.4M | $49.4M |
净利润INBKRGS
| Q1 26 | $2.5M | — | ||
| Q4 25 | $5.3M | $456.0K | ||
| Q3 25 | $-41.6M | $1.4M | ||
| Q2 25 | $193.0K | $116.5M | ||
| Q1 25 | $943.0K | $250.0K | ||
| Q4 24 | $7.3M | $7.6M | ||
| Q3 24 | $7.0M | $-853.0K | ||
| Q2 24 | $5.8M | $91.2M |
营业利润率INBKRGS
| Q1 26 | — | — | ||
| Q4 25 | 18.1% | 10.8% | ||
| Q3 25 | -956.1% | 10.0% | ||
| Q2 25 | -5.5% | 12.1% | ||
| Q1 25 | 0.1% | 8.8% | ||
| Q4 24 | 21.1% | 11.8% | ||
| Q3 24 | 22.5% | 4.6% | ||
| Q2 24 | 18.5% | — |
净利率INBKRGS
| Q1 26 | 5.8% | — | ||
| Q4 25 | 17.4% | 0.8% | ||
| Q3 25 | -729.1% | 2.3% | ||
| Q2 25 | 0.6% | 192.9% | ||
| Q1 25 | 2.7% | 0.4% | ||
| Q4 24 | 18.6% | 16.4% | ||
| Q3 24 | 20.7% | -1.9% | ||
| Q2 24 | 17.8% | 184.7% |
每股收益（稀释后）INBKRGS
| Q1 26 | $0.29 | — | ||
| Q4 25 | $0.60 | $0.16 | ||
| Q3 25 | $-4.76 | $0.49 | ||
| Q2 25 | $0.02 | $43.67 | ||
| Q1 25 | $0.11 | $0.08 | ||
| Q4 24 | $0.82 | $2.71 | ||
| Q3 24 | $0.80 | $-0.36 | ||
| Q2 24 | $0.67 | $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 | — | $18.4M |
| 总债务越低越好 | — | $113.3M |
| 股东权益账面价值 | $374.3M | $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INBKRGS
| Q1 26 | — | — | ||
| Q4 25 | $456.8M | $18.4M | ||
| Q3 25 | $787.7M | $16.6M | ||
| Q2 25 | $446.4M | $17.0M | ||
| Q1 25 | $394.5M | $13.3M | ||
| Q4 24 | $466.4M | $10.2M | ||
| Q3 24 | $712.5M | $6.3M | ||
| Q2 24 | $396.8M | $10.1M |
总债务INBKRGS
| Q1 26 | — | — | ||
| Q4 25 | $249.5M | $113.3M | ||
| Q3 25 | — | $111.3M | ||
| Q2 25 | — | $110.8M | ||
| Q1 25 | — | $112.0M | ||
| Q4 24 | $295.0M | $111.5M | ||
| Q3 24 | — | $95.2M | ||
| Q2 24 | — | $99.5M |
股东权益INBKRGS
| Q1 26 | $374.3M | — | ||
| Q4 25 | $359.8M | $188.7M | ||
| Q3 25 | $352.2M | $187.6M | ||
| Q2 25 | $390.2M | $185.6M | ||
| Q1 25 | $387.7M | $68.6M | ||
| Q4 24 | $384.1M | $66.7M | ||
| Q3 24 | $385.1M | $56.4M | ||
| Q2 24 | $372.0M | $56.8M |
总资产INBKRGS
| Q1 26 | $5.6B | — | ||
| Q4 25 | $5.6B | $588.3M | ||
| Q3 25 | $5.6B | $592.1M | ||
| Q2 25 | $6.1B | $599.0M | ||
| Q1 25 | $5.9B | $511.2M | ||
| Q4 24 | $5.7B | $530.1M | ||
| Q3 24 | $5.8B | $508.9M | ||
| Q2 24 | $5.3B | $530.5M |
负债/权益比INBKRGS
| Q1 26 | — | — | ||
| Q4 25 | 0.69× | 0.60× | ||
| Q3 25 | — | 0.59× | ||
| Q2 25 | — | 0.60× | ||
| Q1 25 | — | 1.63× | ||
| Q4 24 | 0.77× | 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INBKRGS
| Q1 26 | — | — | ||
| Q4 25 | $3.4M | $1.7M | ||
| Q3 25 | $37.1M | $2.3M | ||
| Q2 25 | $-90.2M | $6.8M | ||
| Q1 25 | $32.8M | $6.2M | ||
| Q4 24 | $13.0M | $2.1M | ||
| Q3 24 | $331.0K | $-1.3M | ||
| Q2 24 | $16.0M | $5.1M |
自由现金流INBKRGS
| Q1 26 | — | — | ||
| Q4 25 | $2.2M | $891.0K | ||
| Q3 25 | $37.0M | $1.9M | ||
| Q2 25 | $-90.8M | $6.2M | ||
| Q1 25 | $32.6M | $5.9M | ||
| Q4 24 | $10.4M | $1.7M | ||
| Q3 24 | $-270.0K | $-1.4M | ||
| Q2 24 | $15.5M | $5.1M |
自由现金流率INBKRGS
| Q1 26 | — | — | ||
| Q4 25 | 7.3% | 1.6% | ||
| Q3 25 | 648.0% | 3.2% | ||
| Q2 25 | -270.7% | 10.3% | ||
| Q1 25 | 91.9% | 10.3% | ||
| Q4 24 | 26.3% | 3.6% | ||
| Q3 24 | -0.8% | -3.0% | ||
| Q2 24 | 47.8% | 10.3% |
资本支出强度INBKRGS
| Q1 26 | — | — | ||
| Q4 25 | 4.0% | 1.4% | ||
| Q3 25 | 1.9% | 0.7% | ||
| Q2 25 | 1.9% | 0.9% | ||
| Q1 25 | 0.5% | 0.6% | ||
| Q4 24 | 6.6% | 0.9% | ||
| Q3 24 | 1.8% | 0.0% | ||
| Q2 24 | 1.7% | 0.0% |
现金转化率INBKRGS
| Q1 26 | — | — | ||
| Q4 25 | 0.65× | 3.65× | ||
| Q3 25 | — | 1.68× | ||
| Q2 25 | -467.21× | 0.06× | ||
| Q1 25 | 34.81× | 24.80× | ||
| Q4 24 | 1.77× | 0.28× | ||
| Q3 24 | 0.05× | — | ||
| Q2 24 | 2.77× | 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
INBK
| Net Interest Income | $31.6M | 73% |
| Noninterest Income | $11.5M | 27% |
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
