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Regions Financial Corporation（RF）与RUSH ENTERPRISES INC \TX\（RUSHA）财务数据对比。点击上方公司名可切换其他公司
RUSH ENTERPRISES INC \TX\的季度营收约是Regions Financial Corporation的1.3倍（$1.7B vs $1.3B），Regions Financial Corporation净利率更高（41.7% vs 3.7%，领先38.0%），Regions Financial Corporation同比增速更快（4.1% vs -9.0%），过去两年Regions Financial Corporation的营收复合增速更高（4.0% vs -6.8%）
Regions Financial Corporation是美国银行控股企业，总部位于阿拉巴马州伯明翰市。公司提供零售及商业银行、信托、股票经纪、抵押贷款等服务，旗下银行业务子公司Regions Bank在美国南部和中西部15个州运营约1300家营业网点和2000台自动柜员机，服务大量当地个人及企业客户。
Rush Enterprises是总部位于美国得克萨斯州新布朗费尔斯的商用车经销商，核心业务是通过旗下Rush Truck Centers销售全新及二手卡车。2019年该公司在全美20个州运营超200家卡车中心，在加拿大设有14个网点，2020年入选财富500强榜单。
RF vs RUSHA — 直观对比
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.3B | $1.7B |
| 净利润 | $534.0M | $61.7M |
| 毛利率 | — | 20.4% |
| 营业利润率 | 55.3% | 4.9% |
| 净利率 | 41.7% | 3.7% |
| 营收同比 | 4.1% | -9.0% |
| 净利润同比 | 0.0% | 1.8% |
| 每股收益（稀释后） | $0.59 | $0.77 |
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
| Q1 26 | — | $1.7B | ||
| Q4 25 | $1.3B | $1.7B | ||
| Q3 25 | $1.3B | $1.8B | ||
| Q2 25 | $1.3B | $1.8B | ||
| Q1 25 | $1.2B | $1.8B | ||
| Q4 24 | $1.2B | $1.9B | ||
| Q3 24 | $1.2B | $1.8B | ||
| Q2 24 | $1.2B | $1.9B |
| Q1 26 | — | $61.7M | ||
| Q4 25 | $534.0M | $64.3M | ||
| Q3 25 | $569.0M | $66.7M | ||
| Q2 25 | $563.0M | $72.4M | ||
| Q1 25 | $490.0M | $60.3M | ||
| Q4 24 | $534.0M | $74.8M | ||
| Q3 24 | $490.0M | $79.1M | ||
| Q2 24 | $501.0M | $78.7M |
| Q1 26 | — | 20.4% | ||
| Q4 25 | — | 20.8% | ||
| Q3 25 | — | 21.0% | ||
| Q2 25 | — | 20.7% | ||
| Q1 25 | — | 20.3% | ||
| Q4 24 | — | 19.3% | ||
| Q3 24 | — | 21.0% | ||
| Q2 24 | — | 20.2% |
| Q1 26 | — | 4.9% | ||
| Q4 25 | 55.3% | 5.5% | ||
| Q3 25 | 56.3% | 5.6% | ||
| Q2 25 | 56.1% | 6.0% | ||
| Q1 25 | 52.0% | 5.2% | ||
| Q4 24 | 53.4% | 5.8% | ||
| Q3 24 | 49.9% | 6.7% | ||
| Q2 24 | 52.7% | 6.4% |
| Q1 26 | — | 3.7% | ||
| Q4 25 | 41.7% | 3.8% | ||
| Q3 25 | 45.3% | 3.7% | ||
| Q2 25 | 44.7% | 3.9% | ||
| Q1 25 | 41.0% | 3.4% | ||
| Q4 24 | 43.4% | 3.9% | ||
| Q3 24 | 40.2% | 4.4% | ||
| Q2 24 | 42.2% | 4.1% |
| Q1 26 | — | $0.77 | ||
| Q4 25 | $0.59 | $0.81 | ||
| Q3 25 | $0.61 | $0.83 | ||
| Q2 25 | $0.59 | $0.90 | ||
| Q1 25 | $0.51 | $0.73 | ||
| Q4 24 | $0.55 | $-95.13 | ||
| Q3 24 | $0.49 | $0.97 | ||
| Q2 24 | $0.52 | $97.00 |
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 | — | — |
| 总债务越低越好 | $4.1B | $277.8M |
| 股东权益账面价值 | $19.0B | $2.3B |
| 总资产 | $158.8B | $4.5B |
| 负债/权益比越低杠杆越低 | 0.22× | 0.12× |
8季度趋势，按日历期对齐
| Q1 26 | — | — | ||
| Q4 25 | — | $212.6M | ||
| Q3 25 | — | $242.0M | ||
| Q2 25 | — | $211.1M | ||
| Q1 25 | — | $228.7M | ||
| Q4 24 | — | $228.1M | ||
| Q3 24 | — | $185.1M | ||
| Q2 24 | — | $167.3M |
| Q1 26 | — | $277.8M | ||
| Q4 25 | $4.1B | $274.8M | ||
| Q3 25 | $4.8B | — | ||
| Q2 25 | $5.3B | — | ||
| Q1 25 | $6.0B | — | ||
| Q4 24 | $6.0B | $408.4M | ||
| Q3 24 | $6.0B | — | ||
| Q2 24 | $5.1B | — |
| Q1 26 | — | $2.3B | ||
| Q4 25 | $19.0B | $2.2B | ||
| Q3 25 | $19.0B | $2.2B | ||
| Q2 25 | $18.7B | $2.2B | ||
| Q1 25 | $18.5B | $2.2B | ||
| Q4 24 | $17.9B | $2.1B | ||
| Q3 24 | $18.7B | $2.1B | ||
| Q2 24 | $17.2B | $2.0B |
| Q1 26 | — | $4.5B | ||
| Q4 25 | $158.8B | $4.4B | ||
| Q3 25 | $159.9B | $4.6B | ||
| Q2 25 | $159.2B | $4.7B | ||
| Q1 25 | $159.8B | $4.7B | ||
| Q4 24 | $157.3B | $4.6B | ||
| Q3 24 | $157.4B | $4.6B | ||
| Q2 24 | $154.1B | $4.5B |
| Q1 26 | — | 0.12× | ||
| Q4 25 | 0.22× | 0.12× | ||
| Q3 25 | 0.25× | — | ||
| Q2 25 | 0.28× | — | ||
| Q1 25 | 0.32× | — | ||
| Q4 24 | 0.34× | 0.19× | ||
| Q3 24 | 0.32× | — | ||
| Q2 24 | 0.30× | — |
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 | $-319.0M | — |
| 自由现金流经营现金流 - 资本支出 | — | $411.6M |
| 自由现金流率自由现金流/营收 | — | 24.4% |
| 资本支出强度资本支出/营收 | — | 2.0% |
| 现金转化率经营现金流/净利润 | -0.60× | — |
| 过去12个月自由现金流最近4个季度 | — | $828.4M |
8季度趋势，按日历期对齐
| Q1 26 | — | — | ||
| Q4 25 | $-319.0M | $112.9M | ||
| Q3 25 | $861.0M | $367.8M | ||
| Q2 25 | $573.0M | $227.6M | ||
| Q1 25 | $1.1B | $153.5M | ||
| Q4 24 | $-220.0M | $392.3M | ||
| Q3 24 | $1.3B | $111.7M | ||
| Q2 24 | $161.0M | $270.6M |
| Q1 26 | — | $411.6M | ||
| Q4 25 | — | $31.9M | ||
| Q3 25 | — | $271.2M | ||
| Q2 25 | — | $113.8M | ||
| Q1 25 | — | $45.1M | ||
| Q4 24 | — | $263.5M | ||
| Q3 24 | — | $-20.0M | ||
| Q2 24 | — | $177.2M |
| Q1 26 | — | 24.4% | ||
| Q4 25 | — | 1.9% | ||
| Q3 25 | — | 15.2% | ||
| Q2 25 | — | 6.2% | ||
| Q1 25 | — | 2.6% | ||
| Q4 24 | — | 13.7% | ||
| Q3 24 | — | -1.1% | ||
| Q2 24 | — | 9.1% |
| Q1 26 | — | 2.0% | ||
| Q4 25 | — | 4.8% | ||
| Q3 25 | — | 5.4% | ||
| Q2 25 | — | 6.2% | ||
| Q1 25 | — | 6.2% | ||
| Q4 24 | — | 6.7% | ||
| Q3 24 | — | 7.3% | ||
| Q2 24 | — | 4.8% |
| Q1 26 | — | — | ||
| Q4 25 | -0.60× | 1.75× | ||
| Q3 25 | 1.51× | 5.51× | ||
| Q2 25 | 1.02× | 3.14× | ||
| Q1 25 | 2.18× | 2.55× | ||
| Q4 24 | -0.41× | 5.25× | ||
| Q3 24 | 2.57× | 1.41× | ||
| Q2 24 | 0.32× | 3.44× |
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
RF
| Consumer Bank | $747.0M | 58% |
| Corporate Bank | $487.0M | 38% |
| Wealth Management | $47.0M | 4% |
RUSHA
| New and used commercial vehicle sales | $955.1M | 57% |
| Aftermarket products and services sales | $627.2M | 37% |
| Lease and rental sales | $92.3M | 5% |
| Finance and insurance | $5.6M | 0% |
