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NORTHPOINTE BANCSHARES INC（NPB）与REGIS CORP（RGS）财务数据对比。点击上方公司名可切换其他公司
NORTHPOINTE BANCSHARES INC的季度营收约是REGIS CORP的1.1倍（$63.4M vs $57.1M），NORTHPOINTE BANCSHARES INC净利率更高（34.9% vs 0.8%，领先34.1%）
Northpointe Bancshares Inc是一家美国银行控股公司，通过旗下全资银行子公司开展业务，提供各类零售及商业银行服务，涵盖存款账户、住房抵押贷款、小微企业信贷、财富管理等，主要服务美国本土区域社区客户。
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。
NPB vs RGS — 直观对比
营收规模更大
NPB
是对方的1.1倍
$57.1M
净利率更高
NPB
高出34.1%
0.8%
损益表 — Q1 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $63.4M | $57.1M |
| 净利润 | $22.2M | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | — | 10.8% |
| 净利率 | 34.9% | 0.8% |
| 营收同比 | — | 22.3% |
| 净利润同比 | — | -94.0% |
| 每股收益（稀释后） | $0.62 | $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NPBRGS
| Q1 26 | $63.4M | — | ||
| Q4 25 | $43.5M | $57.1M | ||
| Q3 25 | $40.3M | $59.0M | ||
| Q2 25 | $36.5M | $60.4M | ||
| Q1 25 | $30.4M | $57.0M | ||
| Q4 24 | — | $46.7M | ||
| Q3 24 | — | $46.1M | ||
| Q2 24 | — | $49.4M |
净利润NPBRGS
| Q1 26 | $22.2M | — | ||
| Q4 25 | $23.6M | $456.0K | ||
| Q3 25 | $22.2M | $1.4M | ||
| Q2 25 | $20.3M | $116.5M | ||
| Q1 25 | $17.2M | $250.0K | ||
| Q4 24 | — | $7.6M | ||
| Q3 24 | — | $-853.0K | ||
| Q2 24 | — | $91.2M |
营业利润率NPBRGS
| Q1 26 | — | — | ||
| Q4 25 | 73.5% | 10.8% | ||
| Q3 25 | 72.3% | 10.0% | ||
| Q2 25 | 73.0% | 12.1% | ||
| Q1 25 | 74.4% | 8.8% | ||
| Q4 24 | — | 11.8% | ||
| Q3 24 | — | 4.6% | ||
| Q2 24 | — | — |
净利率NPBRGS
| Q1 26 | 34.9% | — | ||
| Q4 25 | 54.4% | 0.8% | ||
| Q3 25 | 55.0% | 2.3% | ||
| Q2 25 | 55.7% | 192.9% | ||
| Q1 25 | 56.8% | 0.4% | ||
| Q4 24 | — | 16.4% | ||
| Q3 24 | — | -1.9% | ||
| Q2 24 | — | 184.7% |
每股收益（稀释后）NPBRGS
| Q1 26 | $0.62 | — | ||
| Q4 25 | $0.54 | $0.16 | ||
| Q3 25 | $0.57 | $0.49 | ||
| Q2 25 | $0.51 | $43.67 | ||
| Q1 25 | $0.49 | $0.08 | ||
| Q4 24 | — | $2.71 | ||
| Q3 24 | — | $-0.36 | ||
| Q2 24 | — | $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 | $487.6M | $18.4M |
| 总债务越低越好 | — | $113.3M |
| 股东权益账面价值 | $590.0M | $188.7M |
| 总资产 | $7.4B | $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NPBRGS
| Q1 26 | $487.6M | — | ||
| Q4 25 | $496.5M | $18.4M | ||
| Q3 25 | $419.2M | $16.6M | ||
| Q2 25 | $415.7M | $17.0M | ||
| Q1 25 | $321.5M | $13.3M | ||
| Q4 24 | — | $10.2M | ||
| Q3 24 | — | $6.3M | ||
| Q2 24 | — | $10.1M |
总债务NPBRGS
| 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NPBRGS
| Q1 26 | $590.0M | — | ||
| Q4 25 | $569.0M | $188.7M | ||
| Q3 25 | $623.5M | $187.6M | ||
| Q2 25 | $604.3M | $185.6M | ||
| Q1 25 | $586.5M | $68.6M | ||
| Q4 24 | — | $66.7M | ||
| Q3 24 | — | $56.4M | ||
| Q2 24 | — | $56.8M |
总资产NPBRGS
| Q1 26 | $7.4B | — | ||
| Q4 25 | $7.0B | $588.3M | ||
| Q3 25 | $6.8B | $592.1M | ||
| Q2 25 | $6.4B | $599.0M | ||
| Q1 25 | $5.9B | $511.2M | ||
| Q4 24 | — | $530.1M | ||
| Q3 24 | — | $508.9M | ||
| Q2 24 | — | $530.5M |
负债/权益比NPBRGS
| 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NPBRGS
| Q1 26 | — | — | ||
| Q4 25 | $-28.3M | $1.7M | ||
| Q3 25 | $90.4M | $2.3M | ||
| Q2 25 | $-72.3M | $6.8M | ||
| Q1 25 | $54.4M | $6.2M | ||
| Q4 24 | — | $2.1M | ||
| Q3 24 | — | $-1.3M | ||
| Q2 24 | — | $5.1M |
自由现金流NPBRGS
| Q1 26 | — | — | ||
| Q4 25 | $-28.8M | $891.0K | ||
| Q3 25 | $89.6M | $1.9M | ||
| Q2 25 | $-73.4M | $6.2M | ||
| Q1 25 | $54.1M | $5.9M | ||
| Q4 24 | — | $1.7M | ||
| Q3 24 | — | $-1.4M | ||
| Q2 24 | — | $5.1M |
自由现金流率NPBRGS
| Q1 26 | — | — | ||
| Q4 25 | -66.1% | 1.6% | ||
| Q3 25 | 222.3% | 3.2% | ||
| Q2 25 | -201.1% | 10.3% | ||
| Q1 25 | 178.0% | 10.3% | ||
| Q4 24 | — | 3.6% | ||
| Q3 24 | — | -3.0% | ||
| Q2 24 | — | 10.3% |
资本支出强度NPBRGS
| Q1 26 | — | — | ||
| Q4 25 | 1.2% | 1.4% | ||
| Q3 25 | 2.0% | 0.7% | ||
| Q2 25 | 3.1% | 0.9% | ||
| Q1 25 | 1.1% | 0.6% | ||
| Q4 24 | — | 0.9% | ||
| Q3 24 | — | 0.0% | ||
| Q2 24 | — | 0.0% |
现金转化率NPBRGS
| Q1 26 | — | — | ||
| Q4 25 | -1.20× | 3.65× | ||
| Q3 25 | 4.08× | 1.68× | ||
| Q2 25 | -3.55× | 0.06× | ||
| Q1 25 | 3.16× | 24.80× | ||
| Q4 24 | — | 0.28× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 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
NPB
| Net Interest Income | $41.3M | 65% |
| Noninterest Income | $22.1M | 35% |
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
