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NORTHRIM BANCORP INC（NRIM）与REGIS CORP（RGS）财务数据对比。点击上方公司名可切换其他公司
NORTHRIM BANCORP INC的季度营收约是REGIS CORP的1.1倍（$61.2M vs $57.1M），REGIS CORP同比增速更快（22.3% vs 11.6%），NORTHRIM BANCORP INC自由现金流更多（$133.9M vs $891.0K），过去两年NORTHRIM BANCORP INC的营收复合增速更高（18.4% vs 7.8%）
Northrim Bancorp Inc是总部位于美国阿拉斯加州的区域银行控股企业，提供商业及个人存贷款、按揭产品、财富管理等多元化金融服务，服务覆盖本地小微企业、个人消费者及企业客户群体。
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。
NRIM vs RGS — 直观对比
营收规模更大
NRIM
是对方的1.1倍
$57.1M
营收增速更快
RGS
高出10.7%
11.6%
自由现金流更多
NRIM
多$133.0M
$891.0K
两年增速更快
NRIM
近两年复合增速
7.8%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $61.2M | $57.1M |
| 净利润 | — | $456.0K |
| 毛利率 | 79.9% | — |
| 营业利润率 | 27.2% | 10.8% |
| 净利率 | — | 0.8% |
| 营收同比 | 11.6% | 22.3% |
| 净利润同比 | — | -94.0% |
| 每股收益（稀释后） | $-2.80 | $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NRIMRGS
| Q4 25 | $61.2M | $57.1M | ||
| Q3 25 | $77.2M | $59.0M | ||
| Q2 25 | $61.4M | $60.4M | ||
| Q1 25 | $55.8M | $57.0M | ||
| Q4 24 | $54.8M | $46.7M | ||
| Q3 24 | $51.0M | $46.1M | ||
| Q2 24 | $46.5M | $49.4M | ||
| Q1 24 | $43.7M | $49.2M |
净利润NRIMRGS
| Q4 25 | — | $456.0K | ||
| Q3 25 | $27.1M | $1.4M | ||
| Q2 25 | $11.8M | $116.5M | ||
| Q1 25 | $13.3M | $250.0K | ||
| Q4 24 | — | $7.6M | ||
| Q3 24 | $8.8M | $-853.0K | ||
| Q2 24 | $9.0M | $91.2M | ||
| Q1 24 | $8.2M | $-2.3M |
毛利率NRIMRGS
| Q4 25 | 79.9% | — | ||
| Q3 25 | 84.0% | — | ||
| Q2 25 | 78.5% | — | ||
| Q1 25 | 84.1% | — | ||
| Q4 24 | 77.8% | — | ||
| Q3 24 | 75.2% | — | ||
| Q2 24 | 79.1% | — | ||
| Q1 24 | 78.2% | — |
营业利润率NRIMRGS
| Q4 25 | 27.2% | 10.8% | ||
| Q3 25 | 44.8% | 10.0% | ||
| Q2 25 | 25.7% | 12.1% | ||
| Q1 25 | 31.5% | 8.8% | ||
| Q4 24 | 24.3% | 11.8% | ||
| Q3 24 | 22.8% | 4.6% | ||
| Q2 24 | 24.9% | — | ||
| Q1 24 | 24.1% | 8.3% |
净利率NRIMRGS
| Q4 25 | — | 0.8% | ||
| Q3 25 | 35.1% | 2.3% | ||
| Q2 25 | 19.2% | 192.9% | ||
| Q1 25 | 23.9% | 0.4% | ||
| Q4 24 | — | 16.4% | ||
| Q3 24 | 17.3% | -1.9% | ||
| Q2 24 | 19.4% | 184.7% | ||
| Q1 24 | 18.8% | -4.7% |
每股收益（稀释后）NRIMRGS
| Q4 25 | $-2.80 | $0.16 | ||
| Q3 25 | $1.20 | $0.49 | ||
| Q2 25 | $2.09 | $43.67 | ||
| Q1 25 | $2.38 | $0.08 | ||
| Q4 24 | $-1.83 | $2.71 | ||
| Q3 24 | $0.39 | $-0.36 | ||
| Q2 24 | $1.62 | $38.40 | ||
| Q1 24 | $1.48 | $-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 | — | $18.4M |
| 总债务越低越好 | $12.8M | $113.3M |
| 股东权益账面价值 | $326.5M | $188.7M |
| 总资产 | $3.3B | $588.3M |
| 负债/权益比越低杠杆越低 | 0.04× | 0.60× |
8季度趋势，按日历期对齐
现金及短期投资NRIMRGS
| Q4 25 | — | $18.4M | ||
| Q3 25 | — | $16.6M | ||
| Q2 25 | — | $17.0M | ||
| Q1 25 | — | $13.3M | ||
| Q4 24 | — | $10.2M | ||
| Q3 24 | — | $6.3M | ||
| Q2 24 | — | $10.1M | ||
| Q1 24 | — | $5.9M |
总债务NRIMRGS
| Q4 25 | $12.8M | $113.3M | ||
| Q3 25 | — | $111.3M | ||
| Q2 25 | — | $110.8M | ||
| Q1 25 | — | $112.0M | ||
| Q4 24 | $23.0M | $111.5M | ||
| Q3 24 | — | $95.2M | ||
| Q2 24 | — | $99.5M | ||
| Q1 24 | — | $179.7M |
股东权益NRIMRGS
| Q4 25 | $326.5M | $188.7M | ||
| Q3 25 | $315.7M | $187.6M | ||
| Q2 25 | $290.2M | $185.6M | ||
| Q1 25 | $279.8M | $68.6M | ||
| Q4 24 | $267.1M | $66.7M | ||
| Q3 24 | $260.1M | $56.4M | ||
| Q2 24 | $247.2M | $56.8M | ||
| Q1 24 | $239.3M | $-35.8M |
总资产NRIMRGS
| Q4 25 | $3.3B | $588.3M | ||
| Q3 25 | $3.3B | $592.1M | ||
| Q2 25 | $3.2B | $599.0M | ||
| Q1 25 | $3.1B | $511.2M | ||
| Q4 24 | $3.0B | $530.1M | ||
| Q3 24 | $3.0B | $508.9M | ||
| Q2 24 | $2.8B | $530.5M | ||
| Q1 24 | $2.8B | $543.7M |
负债/权益比NRIMRGS
| Q4 25 | 0.04× | 0.60× | ||
| Q3 25 | — | 0.59× | ||
| Q2 25 | — | 0.60× | ||
| Q1 25 | — | 1.63× | ||
| Q4 24 | 0.09× | 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 | $139.3M | $1.7M |
| 自由现金流经营现金流 - 资本支出 | $133.9M | $891.0K |
| 自由现金流率自由现金流/营收 | 218.9% | 1.6% |
| 资本支出强度资本支出/营收 | 8.9% | 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 | $235.4M | $14.9M |
8季度趋势，按日历期对齐
经营现金流NRIMRGS
| Q4 25 | $139.3M | $1.7M | ||
| Q3 25 | $92.7M | $2.3M | ||
| Q2 25 | $-4.4M | $6.8M | ||
| Q1 25 | $16.5M | $6.2M | ||
| Q4 24 | $-8.7M | $2.1M | ||
| Q3 24 | $-201.0K | $-1.3M | ||
| Q2 24 | $-38.5M | $5.1M | ||
| Q1 24 | $-5.5M | $-277.0K |
自由现金流NRIMRGS
| Q4 25 | $133.9M | $891.0K | ||
| Q3 25 | $89.9M | $1.9M | ||
| Q2 25 | $-4.7M | $6.2M | ||
| Q1 25 | $16.3M | $5.9M | ||
| Q4 24 | $-9.3M | $1.7M | ||
| Q3 24 | $-330.0K | $-1.4M | ||
| Q2 24 | $-39.4M | $5.1M | ||
| Q1 24 | $-6.6M | $-326.0K |
自由现金流率NRIMRGS
| Q4 25 | 218.9% | 1.6% | ||
| Q3 25 | 116.5% | 3.2% | ||
| Q2 25 | -7.7% | 10.3% | ||
| Q1 25 | 29.3% | 10.3% | ||
| Q4 24 | -17.1% | 3.6% | ||
| Q3 24 | -0.6% | -3.0% | ||
| Q2 24 | -84.7% | 10.3% | ||
| Q1 24 | -15.1% | -0.7% |
资本支出强度NRIMRGS
| Q4 25 | 8.9% | 1.4% | ||
| Q3 25 | 3.5% | 0.7% | ||
| Q2 25 | 0.5% | 0.9% | ||
| Q1 25 | 0.4% | 0.6% | ||
| Q4 24 | 1.1% | 0.9% | ||
| Q3 24 | 0.3% | 0.0% | ||
| Q2 24 | 1.9% | 0.0% | ||
| Q1 24 | 2.4% | 0.1% |
现金转化率NRIMRGS
| Q4 25 | — | 3.65× | ||
| Q3 25 | 3.42× | 1.68× | ||
| Q2 25 | -0.37× | 0.06× | ||
| Q1 25 | 1.24× | 24.80× | ||
| Q4 24 | — | 0.28× | ||
| Q3 24 | -0.02× | — | ||
| Q2 24 | -4.27× | 0.06× | ||
| Q1 24 | -0.68× | — |
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
NRIM
| Community Banking Segment | $44.3M | 72% |
| Specialty Finance Segment | $7.4M | 12% |
| Other | $4.7M | 8% |
| Home Mortgage Lending Segment | $3.6M | 6% |
| Credit And Debit Card | $1.2M | 2% |
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
