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MetroCity Bankshares, Inc.（MCBS）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MetroCity Bankshares, Inc.的1.3倍（$57.1M vs $43.7M），MetroCity Bankshares, Inc.净利率更高（50.5% vs 0.8%，领先49.7%），MetroCity Bankshares, Inc.同比增速更快（23.6% vs 22.3%），MetroCity Bankshares, Inc.自由现金流更多（$37.0M vs $891.0K），过去两年MetroCity Bankshares, Inc.的营收复合增速更高（15.7% vs 7.8%）
MetroCity Bankshares, Inc.旗下的大都会城市银行是一家韩裔美国人创办的银行，总部位于佐治亚州多拉维尔，提供个人及商业银行服务。它是总部不在加利福尼亚州洛杉矶的最大韩美系银行，目前在德克萨斯、纽约、新泽西、弗吉尼亚、佐治亚、阿拉巴马和佛罗里达共设有19家分行。
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。
MCBS vs RGS — 直观对比
营收规模更大
RGS
是对方的1.3倍
$43.7M
营收增速更快
MCBS
高出1.4%
22.3%
净利率更高
MCBS
高出49.7%
0.8%
自由现金流更多
MCBS
多$36.1M
$891.0K
两年增速更快
MCBS
近两年复合增速
7.8%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $43.7M | $57.1M |
| 净利润 | $18.1M | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | 52.8% | 10.8% |
| 净利率 | 50.5% | 0.8% |
| 营收同比 | 23.6% | 22.3% |
| 净利润同比 | 11.7% | -94.0% |
| 每股收益（稀释后） | $0.69 | $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MCBSRGS
| Q4 25 | $43.7M | $57.1M | ||
| Q3 25 | $38.0M | $59.0M | ||
| Q2 25 | $37.9M | $60.4M | ||
| Q1 25 | $36.0M | $57.0M | ||
| Q4 24 | $35.4M | $46.7M | ||
| Q3 24 | $36.9M | $46.1M | ||
| Q2 24 | $36.3M | $49.4M | ||
| Q1 24 | $32.7M | $49.2M |
净利润MCBSRGS
| Q4 25 | $18.1M | $456.0K | ||
| Q3 25 | $17.3M | $1.4M | ||
| Q2 25 | $16.8M | $116.5M | ||
| Q1 25 | $16.3M | $250.0K | ||
| Q4 24 | $16.2M | $7.6M | ||
| Q3 24 | $16.7M | $-853.0K | ||
| Q2 24 | $16.9M | $91.2M | ||
| Q1 24 | $14.6M | $-2.3M |
营业利润率MCBSRGS
| Q4 25 | 52.8% | 10.8% | ||
| Q3 25 | 62.8% | 10.0% | ||
| Q2 25 | 62.4% | 12.1% | ||
| Q1 25 | 61.3% | 8.8% | ||
| Q4 24 | 58.9% | 11.8% | ||
| Q3 24 | 61.4% | 4.6% | ||
| Q2 24 | 64.4% | — | ||
| Q1 24 | 62.6% | 8.3% |
净利率MCBSRGS
| Q4 25 | 50.5% | 0.8% | ||
| Q3 25 | 45.5% | 2.3% | ||
| Q2 25 | 44.4% | 192.9% | ||
| Q1 25 | 45.3% | 0.4% | ||
| Q4 24 | 54.0% | 16.4% | ||
| Q3 24 | 45.3% | -1.9% | ||
| Q2 24 | 46.7% | 184.7% | ||
| Q1 24 | 44.8% | -4.7% |
每股收益（稀释后）MCBSRGS
| Q4 25 | $0.69 | $0.16 | ||
| Q3 25 | $0.67 | $0.49 | ||
| Q2 25 | $0.65 | $43.67 | ||
| Q1 25 | $0.63 | $0.08 | ||
| Q4 24 | $0.64 | $2.71 | ||
| Q3 24 | $0.65 | $-0.36 | ||
| Q2 24 | $0.66 | $38.40 | ||
| Q1 24 | $0.57 | $-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 | $383.7M | $18.4M |
| 总债务越低越好 | — | $113.3M |
| 股东权益账面价值 | $544.2M | $188.7M |
| 总资产 | $4.8B | $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MCBSRGS
| Q4 25 | $383.7M | $18.4M | ||
| Q3 25 | $227.2M | $16.6M | ||
| Q2 25 | $286.0M | $17.0M | ||
| Q1 25 | $285.1M | $13.3M | ||
| Q4 24 | $249.9M | $10.2M | ||
| Q3 24 | $291.2M | $6.3M | ||
| Q2 24 | $327.9M | $10.1M | ||
| Q1 24 | $258.8M | $5.9M |
总债务MCBSRGS
| 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 | ||
| Q1 24 | — | $179.7M |
股东权益MCBSRGS
| Q4 25 | $544.2M | $188.7M | ||
| Q3 25 | $445.9M | $187.6M | ||
| Q2 25 | $436.1M | $185.6M | ||
| Q1 25 | $428.0M | $68.6M | ||
| Q4 24 | $421.4M | $66.7M | ||
| Q3 24 | $407.2M | $56.4M | ||
| Q2 24 | $407.2M | $56.8M | ||
| Q1 24 | $396.6M | $-35.8M |
总资产MCBSRGS
| Q4 25 | $4.8B | $588.3M | ||
| Q3 25 | $3.6B | $592.1M | ||
| Q2 25 | $3.6B | $599.0M | ||
| Q1 25 | $3.7B | $511.2M | ||
| Q4 24 | $3.6B | $530.1M | ||
| Q3 24 | $3.6B | $508.9M | ||
| Q2 24 | $3.6B | $530.5M | ||
| Q1 24 | $3.6B | $543.7M |
负债/权益比MCBSRGS
| 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× | ||
| 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 | $37.7M | $1.7M |
| 自由现金流经营现金流 - 资本支出 | $37.0M | $891.0K |
| 自由现金流率自由现金流/营收 | 84.7% | 1.6% |
| 资本支出强度资本支出/营收 | 1.5% | 1.4% |
| 现金转化率经营现金流/净利润 | 2.08× | 3.65× |
| 过去12个月自由现金流最近4个季度 | $79.4M | $14.9M |
8季度趋势，按日历期对齐
经营现金流MCBSRGS
| Q4 25 | $37.7M | $1.7M | ||
| Q3 25 | $16.5M | $2.3M | ||
| Q2 25 | $14.5M | $6.8M | ||
| Q1 25 | $11.9M | $6.2M | ||
| Q4 24 | $63.5M | $2.1M | ||
| Q3 24 | $-11.5M | $-1.3M | ||
| Q2 24 | $19.4M | $5.1M | ||
| Q1 24 | $36.4M | $-277.0K |
自由现金流MCBSRGS
| Q4 25 | $37.0M | $891.0K | ||
| Q3 25 | $16.2M | $1.9M | ||
| Q2 25 | $14.3M | $6.2M | ||
| Q1 25 | $11.8M | $5.9M | ||
| Q4 24 | $62.2M | $1.7M | ||
| Q3 24 | $-11.8M | $-1.4M | ||
| Q2 24 | $19.0M | $5.1M | ||
| Q1 24 | $36.1M | $-326.0K |
自由现金流率MCBSRGS
| Q4 25 | 84.7% | 1.6% | ||
| Q3 25 | 42.7% | 3.2% | ||
| Q2 25 | 37.8% | 10.3% | ||
| Q1 25 | 32.9% | 10.3% | ||
| Q4 24 | 175.8% | 3.6% | ||
| Q3 24 | -31.9% | -3.0% | ||
| Q2 24 | 52.4% | 10.3% | ||
| Q1 24 | 110.6% | -0.7% |
资本支出强度MCBSRGS
| Q4 25 | 1.5% | 1.4% | ||
| Q3 25 | 0.7% | 0.7% | ||
| Q2 25 | 0.3% | 0.9% | ||
| Q1 25 | 0.2% | 0.6% | ||
| Q4 24 | 3.6% | 0.9% | ||
| Q3 24 | 0.8% | 0.0% | ||
| Q2 24 | 1.0% | 0.0% | ||
| Q1 24 | 0.7% | 0.1% |
现金转化率MCBSRGS
| Q4 25 | 2.08× | 3.65× | ||
| Q3 25 | 0.95× | 1.68× | ||
| Q2 25 | 0.86× | 0.06× | ||
| Q1 25 | 0.73× | 24.80× | ||
| Q4 24 | 3.91× | 0.28× | ||
| Q3 24 | -0.69× | — | ||
| Q2 24 | 1.14× | 0.06× | ||
| Q1 24 | 2.49× | — |
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
MCBS
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% |
