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Midland States Bancorp, Inc.（MSBI）与REGIS CORP（RGS）财务数据对比。点击上方公司名可切换其他公司
Midland States Bancorp, Inc.的季度营收约是REGIS CORP的1.4倍（$79.5M vs $57.1M），Midland States Bancorp, Inc.净利率更高（23.2% vs 0.8%，领先22.4%），过去两年REGIS CORP的营收复合增速更高（7.8% vs -6.4%）
雷德尼爾銀行公司是總部位於西雅圖的雷德尼爾國家銀行的母公司，該銀行是華盛頓州的本土銀行，在全州設有多家網點。其發展歷史可追溯至1889年理查德·霍利約克創辦的通商國家銀行，1974年正式更名為雷德尼爾國家銀行，此後陸續收購機構，將業務拓展至阿拉斯加與俄勒岡地區。
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。
MSBI vs RGS — 直观对比
营收规模更大
MSBI
是对方的1.4倍
$57.1M
净利率更高
MSBI
高出22.4%
0.8%
两年增速更快
RGS
近两年复合增速
-6.4%
损益表 — Q1 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $79.5M | $57.1M |
| 净利润 | $18.5M | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | — | 10.8% |
| 净利率 | 23.2% | 0.8% |
| 营收同比 | — | 22.3% |
| 净利润同比 | 739.3% | -94.0% |
| 每股收益（稀释后） | $0.74 | $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MSBIRGS
| Q1 26 | $79.5M | — | ||
| Q4 25 | $85.6M | $57.1M | ||
| Q3 25 | $81.1M | $59.0M | ||
| Q2 25 | $82.2M | $60.4M | ||
| Q1 25 | $76.1M | $57.0M | ||
| Q4 24 | $93.9M | $46.7M | ||
| Q3 24 | $92.7M | $46.1M | ||
| Q2 24 | $90.9M | $49.4M |
净利润MSBIRGS
| Q1 26 | $18.5M | — | ||
| Q4 25 | $-2.9M | $456.0K | ||
| Q3 25 | $7.6M | $1.4M | ||
| Q2 25 | $12.0M | $116.5M | ||
| Q1 25 | $-141.0M | $250.0K | ||
| Q4 24 | $-30.8M | $7.6M | ||
| Q3 24 | $20.4M | $-853.0K | ||
| Q2 24 | $25.7M | $91.2M |
营业利润率MSBIRGS
| Q1 26 | — | — | ||
| Q4 25 | -5.5% | 10.8% | ||
| Q3 25 | 13.9% | 10.0% | ||
| Q2 25 | 18.1% | 12.1% | ||
| Q1 25 | -181.2% | 8.8% | ||
| Q4 24 | -66.5% | 11.8% | ||
| Q3 24 | 26.9% | 4.6% | ||
| Q2 24 | 35.0% | — |
净利率MSBIRGS
| Q1 26 | 23.2% | — | ||
| Q4 25 | -4.9% | 0.8% | ||
| Q3 25 | 9.3% | 2.3% | ||
| Q2 25 | 14.6% | 192.9% | ||
| Q1 25 | -185.4% | 0.4% | ||
| Q4 24 | -52.5% | 16.4% | ||
| Q3 24 | 22.1% | -1.9% | ||
| Q2 24 | 28.3% | 184.7% |
每股收益（稀释后）MSBIRGS
| Q1 26 | $0.74 | — | ||
| Q4 25 | $-0.22 | $0.16 | ||
| Q3 25 | $0.24 | $0.49 | ||
| Q2 25 | $0.44 | $43.67 | ||
| Q1 25 | $-6.58 | $0.08 | ||
| Q4 24 | $-1.49 | $2.71 | ||
| Q3 24 | $0.83 | $-0.36 | ||
| Q2 24 | $1.06 | $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 | $89.4M | $18.4M |
| 总债务越低越好 | $33.2M | $113.3M |
| 股东权益账面价值 | $569.5M | $188.7M |
| 总资产 | $6.5B | $588.3M |
| 负债/权益比越低杠杆越低 | 0.06× | 0.60× |
8季度趋势，按日历期对齐
现金及短期投资MSBIRGS
| Q1 26 | $89.4M | — | ||
| Q4 25 | $127.8M | $18.4M | ||
| Q3 25 | $166.1M | $16.6M | ||
| Q2 25 | $176.6M | $17.0M | ||
| Q1 25 | $102.0M | $13.3M | ||
| Q4 24 | $114.8M | $10.2M | ||
| Q3 24 | $121.9M | $6.3M | ||
| Q2 24 | $124.6M | $10.1M |
总债务MSBIRGS
| Q1 26 | $33.2M | — | ||
| 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MSBIRGS
| Q1 26 | $569.5M | — | ||
| Q4 25 | $565.5M | $188.7M | ||
| Q3 25 | $584.0M | $187.6M | ||
| Q2 25 | $573.7M | $185.6M | ||
| Q1 25 | $571.4M | $68.6M | ||
| Q4 24 | $710.8M | $66.7M | ||
| Q3 24 | $771.2M | $56.4M | ||
| Q2 24 | $736.8M | $56.8M |
总资产MSBIRGS
| Q1 26 | $6.5B | — | ||
| Q4 25 | $6.5B | $588.3M | ||
| Q3 25 | $6.9B | $592.1M | ||
| Q2 25 | $7.1B | $599.0M | ||
| Q1 25 | $7.3B | $511.2M | ||
| Q4 24 | $7.5B | $530.1M | ||
| Q3 24 | $7.7B | $508.9M | ||
| Q2 24 | $7.7B | $530.5M |
负债/权益比MSBIRGS
| Q1 26 | 0.06× | — | ||
| 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MSBIRGS
| Q1 26 | — | — | ||
| Q4 25 | $125.7M | $1.7M | ||
| Q3 25 | $80.0M | $2.3M | ||
| Q2 25 | $28.1M | $6.8M | ||
| Q1 25 | $24.7M | $6.2M | ||
| Q4 24 | $176.5M | $2.1M | ||
| Q3 24 | $46.5M | $-1.3M | ||
| Q2 24 | $31.4M | $5.1M |
自由现金流MSBIRGS
| Q1 26 | — | — | ||
| Q4 25 | $120.3M | $891.0K | ||
| Q3 25 | $78.6M | $1.9M | ||
| Q2 25 | $26.7M | $6.2M | ||
| Q1 25 | $22.9M | $5.9M | ||
| Q4 24 | $169.6M | $1.7M | ||
| Q3 24 | $44.4M | $-1.4M | ||
| Q2 24 | $29.9M | $5.1M |
自由现金流率MSBIRGS
| Q1 26 | — | — | ||
| Q4 25 | 140.6% | 1.6% | ||
| Q3 25 | 96.9% | 3.2% | ||
| Q2 25 | 32.4% | 10.3% | ||
| Q1 25 | 30.1% | 10.3% | ||
| Q4 24 | 180.6% | 3.6% | ||
| Q3 24 | 47.9% | -3.0% | ||
| Q2 24 | 32.9% | 10.3% |
资本支出强度MSBIRGS
| Q1 26 | — | — | ||
| Q4 25 | 6.2% | 1.4% | ||
| Q3 25 | 1.7% | 0.7% | ||
| Q2 25 | 1.7% | 0.9% | ||
| Q1 25 | 2.4% | 0.6% | ||
| Q4 24 | 7.3% | 0.9% | ||
| Q3 24 | 2.3% | 0.0% | ||
| Q2 24 | 1.7% | 0.0% |
现金转化率MSBIRGS
| Q1 26 | — | — | ||
| Q4 25 | — | 3.65× | ||
| Q3 25 | 10.58× | 1.68× | ||
| Q2 25 | 2.33× | 0.06× | ||
| Q1 25 | — | 24.80× | ||
| Q4 24 | — | 0.28× | ||
| Q3 24 | 2.28× | — | ||
| Q2 24 | 1.22× | 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
MSBI
| Net Interest Income | $57.4M | 72% |
| Noninterest Income | $22.1M | 28% |
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
