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LAKELAND FINANCIAL CORP（LKFN）与REGIS CORP（RGS）财务数据对比。点击上方公司名可切换其他公司
LAKELAND FINANCIAL CORP的季度营收约是REGIS CORP的1.2倍（$69.7M vs $57.1M），LAKELAND FINANCIAL CORP净利率更高（38.0% vs 0.8%，领先37.2%），过去两年REGIS CORP的营收复合增速更高（7.8% vs 0.7%）
总部位于美国佛罗里达州坦帕的非银行消费金融服务提供商，由伊恩·麦基奇尼于1989年创立，业务网络仅覆盖佛罗里达州，核心服务涵盖支票兑现、账单支付、预付费卡、发薪日贷款、免费汇票、网点ATM服务、电汇、公证、传真及邮政服务，目前运营近240家线下零售网点。
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。
LKFN vs RGS — 直观对比
营收规模更大
LKFN
是对方的1.2倍
$57.1M
净利率更高
LKFN
高出37.2%
0.8%
两年增速更快
RGS
近两年复合增速
0.7%
损益表 — Q1 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $69.7M | $57.1M |
| 净利润 | $26.5M | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | — | 10.8% |
| 净利率 | 38.0% | 0.8% |
| 营收同比 | — | 22.3% |
| 净利润同比 | 31.8% | -94.0% |
| 每股收益（稀释后） | $1.04 | $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LKFNRGS
| Q1 26 | $69.7M | — | ||
| Q4 25 | $69.8M | $57.1M | ||
| Q3 25 | $69.0M | $59.0M | ||
| Q2 25 | $66.4M | $60.4M | ||
| Q1 25 | $63.8M | $57.0M | ||
| Q4 24 | $63.6M | $46.7M | ||
| Q3 24 | $61.2M | $46.1M | ||
| Q2 24 | $68.7M | $49.4M |
净利润LKFNRGS
| Q1 26 | $26.5M | — | ||
| Q4 25 | $29.9M | $456.0K | ||
| Q3 25 | $26.4M | $1.4M | ||
| Q2 25 | $27.0M | $116.5M | ||
| Q1 25 | $20.1M | $250.0K | ||
| Q4 24 | $24.2M | $7.6M | ||
| Q3 24 | $23.3M | $-853.0K | ||
| Q2 24 | $22.5M | $91.2M |
营业利润率LKFNRGS
| Q1 26 | — | — | ||
| Q4 25 | 52.1% | 10.8% | ||
| Q3 25 | 46.4% | 10.0% | ||
| Q2 25 | 49.6% | 12.1% | ||
| Q1 25 | 38.0% | 8.8% | ||
| Q4 24 | 46.0% | 11.8% | ||
| Q3 24 | 45.3% | 4.6% | ||
| Q2 24 | 39.2% | — |
净利率LKFNRGS
| Q1 26 | 38.0% | — | ||
| Q4 25 | 42.8% | 0.8% | ||
| Q3 25 | 38.3% | 2.3% | ||
| Q2 25 | 40.6% | 192.9% | ||
| Q1 25 | 31.5% | 0.4% | ||
| Q4 24 | 38.1% | 16.4% | ||
| Q3 24 | 38.1% | -1.9% | ||
| Q2 24 | 32.8% | 184.7% |
每股收益（稀释后）LKFNRGS
| Q1 26 | $1.04 | — | ||
| Q4 25 | $1.16 | $0.16 | ||
| Q3 25 | $1.03 | $0.49 | ||
| Q2 25 | $1.04 | $43.67 | ||
| Q1 25 | $0.78 | $0.08 | ||
| Q4 24 | $0.94 | $2.71 | ||
| Q3 24 | $0.91 | $-0.36 | ||
| Q2 24 | $0.87 | $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 | $85.6M | $18.4M |
| 总债务越低越好 | $183.6M | $113.3M |
| 股东权益账面价值 | $749.0M | $188.7M |
| 总资产 | $7.1B | $588.3M |
| 负债/权益比越低杠杆越低 | 0.25× | 0.60× |
8季度趋势，按日历期对齐
现金及短期投资LKFNRGS
| Q1 26 | $85.6M | — | ||
| Q4 25 | $141.3M | $18.4M | ||
| Q3 25 | $192.8M | $16.6M | ||
| Q2 25 | $310.2M | $17.0M | ||
| Q1 25 | $235.2M | $13.3M | ||
| Q4 24 | $168.2M | $10.2M | ||
| Q3 24 | $160.2M | $6.3M | ||
| Q2 24 | $121.2M | $10.1M |
总债务LKFNRGS
| Q1 26 | $183.6M | — | ||
| Q4 25 | — | $113.3M | ||
| Q3 25 | — | $111.3M | ||
| Q2 25 | — | $110.8M | ||
| Q1 25 | — | $112.0M | ||
| Q4 24 | — | $111.5M | ||
| Q3 24 | $30.0M | $95.2M | ||
| Q2 24 | $55.0M | $99.5M |
股东权益LKFNRGS
| Q1 26 | $749.0M | — | ||
| Q4 25 | $762.4M | $188.7M | ||
| Q3 25 | $747.4M | $187.6M | ||
| Q2 25 | $709.9M | $185.6M | ||
| Q1 25 | $694.4M | $68.6M | ||
| Q4 24 | $683.8M | $66.7M | ||
| Q3 24 | $699.1M | $56.4M | ||
| Q2 24 | $654.5M | $56.8M |
总资产LKFNRGS
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.0B | $588.3M | ||
| Q3 25 | $6.9B | $592.1M | ||
| Q2 25 | $7.0B | $599.0M | ||
| Q1 25 | $6.9B | $511.2M | ||
| Q4 24 | $6.7B | $530.1M | ||
| Q3 24 | $6.6B | $508.9M | ||
| Q2 24 | $6.6B | $530.5M |
负债/权益比LKFNRGS
| Q1 26 | 0.25× | — | ||
| Q4 25 | — | 0.60× | ||
| Q3 25 | — | 0.59× | ||
| Q2 25 | — | 0.60× | ||
| Q1 25 | — | 1.63× | ||
| Q4 24 | — | 1.67× | ||
| Q3 24 | 0.04× | 1.69× | ||
| Q2 24 | 0.08× | 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LKFNRGS
| Q1 26 | — | — | ||
| Q4 25 | $114.9M | $1.7M | ||
| Q3 25 | $36.1M | $2.3M | ||
| Q2 25 | $16.2M | $6.8M | ||
| Q1 25 | $28.9M | $6.2M | ||
| Q4 24 | $102.5M | $2.1M | ||
| Q3 24 | $18.0M | $-1.3M | ||
| Q2 24 | $21.0M | $5.1M |
自由现金流LKFNRGS
| Q1 26 | — | — | ||
| Q4 25 | $103.8M | $891.0K | ||
| Q3 25 | $31.1M | $1.9M | ||
| Q2 25 | $14.1M | $6.2M | ||
| Q1 25 | $27.1M | $5.9M | ||
| Q4 24 | $93.9M | $1.7M | ||
| Q3 24 | $15.3M | $-1.4M | ||
| Q2 24 | $18.6M | $5.1M |
自由现金流率LKFNRGS
| Q1 26 | — | — | ||
| Q4 25 | 148.7% | 1.6% | ||
| Q3 25 | 45.0% | 3.2% | ||
| Q2 25 | 21.2% | 10.3% | ||
| Q1 25 | 42.5% | 10.3% | ||
| Q4 24 | 147.6% | 3.6% | ||
| Q3 24 | 25.0% | -3.0% | ||
| Q2 24 | 27.0% | 10.3% |
资本支出强度LKFNRGS
| Q1 26 | — | — | ||
| Q4 25 | 15.9% | 1.4% | ||
| Q3 25 | 7.3% | 0.7% | ||
| Q2 25 | 3.2% | 0.9% | ||
| Q1 25 | 2.8% | 0.6% | ||
| Q4 24 | 13.6% | 0.9% | ||
| Q3 24 | 4.4% | 0.0% | ||
| Q2 24 | 3.5% | 0.0% |
现金转化率LKFNRGS
| Q1 26 | — | — | ||
| Q4 25 | 3.84× | 3.65× | ||
| Q3 25 | 1.37× | 1.68× | ||
| Q2 25 | 0.60× | 0.06× | ||
| Q1 25 | 1.44× | 24.80× | ||
| Q4 24 | 4.24× | 0.28× | ||
| Q3 24 | 0.77× | — | ||
| Q2 24 | 0.93× | 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
LKFN
| Net Interest Income | $56.8M | 81% |
| Noninterest Income | $12.9M | 19% |
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
