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MVB FINANCIAL CORP（MVBF）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MVB FINANCIAL CORP的1.6倍（$57.1M vs $36.7M），REGIS CORP净利率更高（0.8% vs 0.0%，领先0.8%），过去两年REGIS CORP的营收复合增速更高（7.8% vs 2.8%）
MVB金融公司是总部位于美国西弗吉尼亚州的金融控股企业，主要提供商业与零售银行服务、财富管理、抵押贷款及存款产品，同时面向金融科技、游戏领域企业提供专项数字银行解决方案，服务覆盖美国中大西洋地区。
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。
MVBF vs RGS — 直观对比
营收规模更大
RGS
是对方的1.6倍
$36.7M
净利率更高
RGS
高出0.8%
0.0%
两年增速更快
RGS
近两年复合增速
2.8%
损益表 — Q1 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $36.7M | $57.1M |
| 净利润 | $0 | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | — | 10.8% |
| 净利率 | 0.0% | 0.8% |
| 营收同比 | — | 22.3% |
| 净利润同比 | — | -94.0% |
| 每股收益（稀释后） | $0.39 | $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MVBFRGS
| Q1 26 | $36.7M | — | ||
| Q4 25 | $39.1M | $57.1M | ||
| Q3 25 | $61.2M | $59.0M | ||
| Q2 25 | $33.7M | $60.4M | ||
| Q1 25 | $33.7M | $57.0M | ||
| Q4 24 | $46.2M | $46.7M | ||
| Q3 24 | $33.2M | $46.1M | ||
| Q2 24 | $34.7M | $49.4M |
净利润MVBFRGS
| Q1 26 | $0 | — | ||
| Q4 25 | $4.2M | $456.0K | ||
| Q3 25 | $17.1M | $1.4M | ||
| Q2 25 | $2.0M | $116.5M | ||
| Q1 25 | $3.6M | $250.0K | ||
| Q4 24 | $9.4M | $7.6M | ||
| Q3 24 | $2.1M | $-853.0K | ||
| Q2 24 | $4.1M | $91.2M |
营业利润率MVBFRGS
| Q1 26 | — | — | ||
| Q4 25 | 13.9% | 10.8% | ||
| Q3 25 | 38.3% | 10.0% | ||
| Q2 25 | 9.4% | 12.1% | ||
| Q1 25 | 14.3% | 8.8% | ||
| Q4 24 | 26.5% | 11.8% | ||
| Q3 24 | 8.4% | 4.6% | ||
| Q2 24 | 15.9% | — |
净利率MVBFRGS
| Q1 26 | 0.0% | — | ||
| Q4 25 | 10.8% | 0.8% | ||
| Q3 25 | 28.0% | 2.3% | ||
| Q2 25 | 5.9% | 192.9% | ||
| Q1 25 | 10.6% | 0.4% | ||
| Q4 24 | 20.4% | 16.4% | ||
| Q3 24 | 6.3% | -1.9% | ||
| Q2 24 | 11.8% | 184.7% |
每股收益（稀释后）MVBFRGS
| Q1 26 | $0.39 | — | ||
| Q4 25 | $0.32 | $0.16 | ||
| Q3 25 | $1.32 | $0.49 | ||
| Q2 25 | $0.15 | $43.67 | ||
| Q1 25 | $0.27 | $0.08 | ||
| Q4 24 | $0.72 | $2.71 | ||
| Q3 24 | $0.16 | $-0.36 | ||
| Q2 24 | $0.31 | $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 | $177.6M | $18.4M |
| 总债务越低越好 | — | $113.3M |
| 股东权益账面价值 | $334.9M | $188.7M |
| 总资产 | $3.3B | $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MVBFRGS
| Q1 26 | $177.6M | — | ||
| Q4 25 | $244.1M | $18.4M | ||
| Q3 25 | $300.0M | $16.6M | ||
| Q2 25 | $399.4M | $17.0M | ||
| Q1 25 | $251.4M | $13.3M | ||
| Q4 24 | $317.9M | $10.2M | ||
| Q3 24 | $610.9M | $6.3M | ||
| Q2 24 | $455.5M | $10.1M |
总债务MVBFRGS
| 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MVBFRGS
| Q1 26 | $334.9M | — | ||
| Q4 25 | $334.0M | $188.7M | ||
| Q3 25 | $327.8M | $187.6M | ||
| Q2 25 | $302.3M | $185.6M | ||
| Q1 25 | $310.1M | $68.6M | ||
| Q4 24 | $305.7M | $66.7M | ||
| Q3 24 | $303.1M | $56.4M | ||
| Q2 24 | $296.6M | $56.8M |
总资产MVBFRGS
| Q1 26 | $3.3B | — | ||
| Q4 25 | $3.3B | $588.3M | ||
| Q3 25 | $3.2B | $592.1M | ||
| Q2 25 | $3.2B | $599.0M | ||
| Q1 25 | $3.0B | $511.2M | ||
| Q4 24 | $3.1B | $530.1M | ||
| Q3 24 | $3.4B | $508.9M | ||
| Q2 24 | $3.3B | $530.5M |
负债/权益比MVBFRGS
| 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MVBFRGS
| Q1 26 | — | — | ||
| Q4 25 | $4.0M | $1.7M | ||
| Q3 25 | $-2.6M | $2.3M | ||
| Q2 25 | $7.4M | $6.8M | ||
| Q1 25 | $14.1M | $6.2M | ||
| Q4 24 | $-285.0K | $2.1M | ||
| Q3 24 | $8.6M | $-1.3M | ||
| Q2 24 | $26.9M | $5.1M |
自由现金流MVBFRGS
| Q1 26 | — | — | ||
| Q4 25 | $2.1M | $891.0K | ||
| Q3 25 | $-3.5M | $1.9M | ||
| Q2 25 | $7.2M | $6.2M | ||
| Q1 25 | $13.9M | $5.9M | ||
| Q4 24 | $-1.9M | $1.7M | ||
| Q3 24 | $8.3M | $-1.4M | ||
| Q2 24 | $26.6M | $5.1M |
自由现金流率MVBFRGS
| Q1 26 | — | — | ||
| Q4 25 | 5.4% | 1.6% | ||
| Q3 25 | -5.8% | 3.2% | ||
| Q2 25 | 21.5% | 10.3% | ||
| Q1 25 | 41.2% | 10.3% | ||
| Q4 24 | -4.1% | 3.6% | ||
| Q3 24 | 25.1% | -3.0% | ||
| Q2 24 | 76.7% | 10.3% |
资本支出强度MVBFRGS
| Q1 26 | — | — | ||
| Q4 25 | 4.9% | 1.4% | ||
| Q3 25 | 1.6% | 0.7% | ||
| Q2 25 | 0.6% | 0.9% | ||
| Q1 25 | 0.8% | 0.6% | ||
| Q4 24 | 3.5% | 0.9% | ||
| Q3 24 | 0.9% | 0.0% | ||
| Q2 24 | 0.7% | 0.0% |
现金转化率MVBFRGS
| Q1 26 | — | — | ||
| Q4 25 | 0.95× | 3.65× | ||
| Q3 25 | -0.15× | 1.68× | ||
| Q2 25 | 3.72× | 0.06× | ||
| Q1 25 | 3.95× | 24.80× | ||
| Q4 24 | -0.03× | 0.28× | ||
| Q3 24 | 4.15× | — | ||
| Q2 24 | 6.57× | 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
MVBF
| Net Interest Income | $28.5M | 78% |
| Noninterest Income | $8.2M | 22% |
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
