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Origin Bancorp, Inc.（OBK）与REGIS CORP（RGS）财务数据对比。点击上方公司名可切换其他公司
Origin Bancorp, Inc.的季度营收约是REGIS CORP的1.8倍（$104.0M vs $57.1M），Origin Bancorp, Inc.净利率更高（26.6% vs 0.8%，领先25.8%），过去两年REGIS CORP的营收复合增速更高（7.8% vs 3.9%）
Origin Bancorp旗下的南方银行是一家社区发展金融机构，总部位于阿肯色州阿卡德尔菲亚。该机构成立于1986年，最初名为南方开发银行公司，常被简称为“南方”，专注服务社区发展相关金融需求。
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。
OBK vs RGS — 直观对比
营收规模更大
OBK
是对方的1.8倍
$57.1M
净利率更高
OBK
高出25.8%
0.8%
两年增速更快
RGS
近两年复合增速
3.9%
损益表 — Q1 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $104.0M | $57.1M |
| 净利润 | $27.7M | $456.0K |
| 毛利率 | — | — |
| 营业利润率 | — | 10.8% |
| 净利率 | 26.6% | 0.8% |
| 营收同比 | — | 22.3% |
| 净利润同比 | — | -94.0% |
| 每股收益（稀释后） | $0.89 | $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OBKRGS
| Q1 26 | $104.0M | — | ||
| Q4 25 | $103.4M | $57.1M | ||
| Q3 25 | $109.8M | $59.0M | ||
| Q2 25 | $83.5M | $60.4M | ||
| Q1 25 | $94.1M | $57.0M | ||
| Q4 24 | $78.3M | $46.7M | ||
| Q3 24 | $90.8M | $46.1M | ||
| Q2 24 | $96.4M | $49.4M |
净利润OBKRGS
| Q1 26 | $27.7M | — | ||
| Q4 25 | $29.5M | $456.0K | ||
| Q3 25 | $8.6M | $1.4M | ||
| Q2 25 | $14.6M | $116.5M | ||
| Q1 25 | $22.4M | $250.0K | ||
| Q4 24 | $14.3M | $7.6M | ||
| Q3 24 | $18.6M | $-853.0K | ||
| Q2 24 | $21.0M | $91.2M |
营业利润率OBKRGS
| Q1 26 | — | — | ||
| Q4 25 | 36.2% | 10.8% | ||
| Q3 25 | 10.0% | 10.0% | ||
| Q2 25 | 22.3% | 12.1% | ||
| Q1 25 | 30.4% | 8.8% | ||
| Q4 24 | 23.0% | 11.8% | ||
| Q3 24 | 26.1% | 4.6% | ||
| Q2 24 | 27.7% | — |
净利率OBKRGS
| Q1 26 | 26.6% | — | ||
| Q4 25 | 28.5% | 0.8% | ||
| Q3 25 | 7.9% | 2.3% | ||
| Q2 25 | 17.5% | 192.9% | ||
| Q1 25 | 23.8% | 0.4% | ||
| Q4 24 | 18.2% | 16.4% | ||
| Q3 24 | 20.5% | -1.9% | ||
| Q2 24 | 21.8% | 184.7% |
每股收益（稀释后）OBKRGS
| Q1 26 | $0.89 | — | ||
| Q4 25 | $0.95 | $0.16 | ||
| Q3 25 | $0.27 | $0.49 | ||
| Q2 25 | $0.47 | $43.67 | ||
| Q1 25 | $0.71 | $0.08 | ||
| Q4 24 | $0.45 | $2.71 | ||
| Q3 24 | $0.60 | $-0.36 | ||
| Q2 24 | $0.67 | $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 | — | $18.4M |
| 总债务越低越好 | — | $113.3M |
| 股东权益账面价值 | $1.3B | $188.7M |
| 总资产 | $10.2B | $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OBKRGS
| Q1 26 | — | — | ||
| Q4 25 | $424.2M | $18.4M | ||
| Q3 25 | $626.9M | $16.6M | ||
| Q2 25 | $334.1M | $17.0M | ||
| Q1 25 | $486.2M | $13.3M | ||
| Q4 24 | $470.2M | $10.2M | ||
| Q3 24 | $321.2M | $6.3M | ||
| Q2 24 | $288.1M | $10.1M |
总债务OBKRGS
| 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OBKRGS
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.2B | $188.7M | ||
| Q3 25 | $1.2B | $187.6M | ||
| Q2 25 | $1.2B | $185.6M | ||
| Q1 25 | $1.2B | $68.6M | ||
| Q4 24 | $1.1B | $66.7M | ||
| Q3 24 | $1.1B | $56.4M | ||
| Q2 24 | $1.1B | $56.8M |
总资产OBKRGS
| Q1 26 | $10.2B | — | ||
| Q4 25 | $9.7B | $588.3M | ||
| Q3 25 | $9.8B | $592.1M | ||
| Q2 25 | $9.7B | $599.0M | ||
| Q1 25 | $9.8B | $511.2M | ||
| Q4 24 | $9.7B | $530.1M | ||
| Q3 24 | $10.0B | $508.9M | ||
| Q2 24 | $9.9B | $530.5M |
负债/权益比OBKRGS
| 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OBKRGS
| Q1 26 | — | — | ||
| Q4 25 | $158.9M | $1.7M | ||
| Q3 25 | $59.3M | $2.3M | ||
| Q2 25 | $20.6M | $6.8M | ||
| Q1 25 | $35.6M | $6.2M | ||
| Q4 24 | $108.5M | $2.1M | ||
| Q3 24 | $39.6M | $-1.3M | ||
| Q2 24 | $11.9M | $5.1M |
自由现金流OBKRGS
| Q1 26 | — | — | ||
| Q4 25 | $151.1M | $891.0K | ||
| Q3 25 | $56.8M | $1.9M | ||
| Q2 25 | $19.6M | $6.2M | ||
| Q1 25 | $34.8M | $5.9M | ||
| Q4 24 | $86.4M | $1.7M | ||
| Q3 24 | $32.2M | $-1.4M | ||
| Q2 24 | $6.5M | $5.1M |
自由现金流率OBKRGS
| Q1 26 | — | — | ||
| Q4 25 | 146.0% | 1.6% | ||
| Q3 25 | 51.7% | 3.2% | ||
| Q2 25 | 23.5% | 10.3% | ||
| Q1 25 | 37.0% | 10.3% | ||
| Q4 24 | 110.3% | 3.6% | ||
| Q3 24 | 35.5% | -3.0% | ||
| Q2 24 | 6.8% | 10.3% |
资本支出强度OBKRGS
| Q1 26 | — | — | ||
| Q4 25 | 7.6% | 1.4% | ||
| Q3 25 | 2.3% | 0.7% | ||
| Q2 25 | 1.2% | 0.9% | ||
| Q1 25 | 0.8% | 0.6% | ||
| Q4 24 | 28.1% | 0.9% | ||
| Q3 24 | 8.1% | 0.0% | ||
| Q2 24 | 5.6% | 0.0% |
现金转化率OBKRGS
| Q1 26 | — | — | ||
| Q4 25 | 5.38× | 3.65× | ||
| Q3 25 | 6.88× | 1.68× | ||
| Q2 25 | 1.41× | 0.06× | ||
| Q1 25 | 1.59× | 24.80× | ||
| Q4 24 | 7.60× | 0.28× | ||
| Q3 24 | 2.13× | — | ||
| Q2 24 | 0.57× | 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
OBK
| Net Interest Income | $87.2M | 84% |
| Noninterest Income | $16.8M | 16% |
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
