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Regions Financial Corporation（RF）与SCANSOURCE, INC.（SCSC）财务数据对比。点击上方公司名可切换其他公司
Regions Financial Corporation的季度营收约是SCANSOURCE, INC.的1.7倍（$1.3B vs $766.5M），Regions Financial Corporation净利率更高（41.7% vs 2.2%，领先39.5%），Regions Financial Corporation同比增速更快（4.1% vs 2.5%），过去两年Regions Financial Corporation的营收复合增速更高（4.0% vs 0.9%）
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。
ScanSource是全球领先的专业技术分销商，主营销售点系统、条码扫描设备、网络安全产品、云服务及通信解决方案，面向北美、拉美、欧洲的增值经销商、服务提供商及企业客户，覆盖零售、医疗、工业、公共部门等领域。
RF vs SCSC — 直观对比
营收规模更大
RF
是对方的1.7倍
$766.5M
营收增速更快
RF
高出1.6%
2.5%
净利率更高
RF
高出39.5%
2.2%
两年增速更快
RF
近两年复合增速
0.9%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.3B | $766.5M |
| 净利润 | $534.0M | $16.5M |
| 毛利率 | — | 13.4% |
| 营业利润率 | 55.3% | 2.3% |
| 净利率 | 41.7% | 2.2% |
| 营收同比 | 4.1% | 2.5% |
| 净利润同比 | 0.0% | -3.3% |
| 每股收益（稀释后） | $0.59 | $0.75 |
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RFSCSC
| Q4 25 | $1.3B | $766.5M | ||
| Q3 25 | $1.3B | $739.6M | ||
| Q2 25 | $1.3B | $812.9M | ||
| Q1 25 | $1.2B | $704.8M | ||
| Q4 24 | $1.2B | $747.5M | ||
| Q3 24 | $1.2B | $775.6M | ||
| Q2 24 | $1.2B | $746.1M | ||
| Q1 24 | $1.2B | $752.6M |
净利润RFSCSC
| Q4 25 | $534.0M | $16.5M | ||
| Q3 25 | $569.0M | $19.9M | ||
| Q2 25 | $563.0M | $20.1M | ||
| Q1 25 | $490.0M | $17.4M | ||
| Q4 24 | $534.0M | $17.1M | ||
| Q3 24 | $490.0M | $17.0M | ||
| Q2 24 | $501.0M | $16.1M | ||
| Q1 24 | $368.0M | $12.8M |
毛利率RFSCSC
| Q4 25 | — | 13.4% | ||
| Q3 25 | — | 14.5% | ||
| Q2 25 | — | 12.9% | ||
| Q1 25 | — | 14.2% | ||
| Q4 24 | — | 13.6% | ||
| Q3 24 | — | 13.1% | ||
| Q2 24 | — | 13.0% | ||
| Q1 24 | — | 12.6% |
营业利润率RFSCSC
| Q4 25 | 55.3% | 2.3% | ||
| Q3 25 | 56.3% | 3.5% | ||
| Q2 25 | 56.1% | 3.3% | ||
| Q1 25 | 52.0% | 3.2% | ||
| Q4 24 | 53.4% | 2.5% | ||
| Q3 24 | 49.9% | 2.3% | ||
| Q2 24 | 52.7% | 2.9% | ||
| Q1 24 | 39.2% | 2.3% |
净利率RFSCSC
| Q4 25 | 41.7% | 2.2% | ||
| Q3 25 | 45.3% | 2.7% | ||
| Q2 25 | 44.7% | 2.5% | ||
| Q1 25 | 41.0% | 2.5% | ||
| Q4 24 | 43.4% | 2.3% | ||
| Q3 24 | 40.2% | 2.2% | ||
| Q2 24 | 42.2% | 2.2% | ||
| Q1 24 | 31.1% | 1.7% |
每股收益（稀释后）RFSCSC
| Q4 25 | $0.59 | $0.75 | ||
| Q3 25 | $0.61 | $0.89 | ||
| Q2 25 | $0.59 | $0.87 | ||
| Q1 25 | $0.51 | $0.74 | ||
| Q4 24 | $0.55 | $0.70 | ||
| Q3 24 | $0.49 | $0.69 | ||
| Q2 24 | $0.52 | $0.66 | ||
| Q1 24 | $0.37 | $0.50 |
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 | — | $83.5M |
| 总债务越低越好 | $4.1B | — |
| 股东权益账面价值 | $19.0B | $910.9M |
| 总资产 | $158.8B | $1.7B |
| 负债/权益比越低杠杆越低 | 0.22× | — |
8季度趋势，按日历期对齐
现金及短期投资RFSCSC
| Q4 25 | — | $83.5M | ||
| Q3 25 | — | $124.9M | ||
| Q2 25 | — | $126.2M | ||
| Q1 25 | — | $146.3M | ||
| Q4 24 | — | $110.5M | ||
| Q3 24 | — | $145.0M | ||
| Q2 24 | — | $185.5M | ||
| Q1 24 | — | $159.1M |
总债务RFSCSC
| Q4 25 | $4.1B | — | ||
| Q3 25 | $4.8B | — | ||
| Q2 25 | $5.3B | — | ||
| Q1 25 | $6.0B | — | ||
| Q4 24 | $6.0B | — | ||
| Q3 24 | $6.0B | — | ||
| Q2 24 | $5.1B | — | ||
| Q1 24 | $3.3B | — |
股东权益RFSCSC
| Q4 25 | $19.0B | $910.9M | ||
| Q3 25 | $19.0B | $914.0M | ||
| Q2 25 | $18.7B | $906.4M | ||
| Q1 25 | $18.5B | $901.7M | ||
| Q4 24 | $17.9B | $900.7M | ||
| Q3 24 | $18.7B | $920.9M | ||
| Q2 24 | $17.2B | $924.3M | ||
| Q1 24 | $17.0B | $944.1M |
总资产RFSCSC
| Q4 25 | $158.8B | $1.7B | ||
| Q3 25 | $159.9B | $1.7B | ||
| Q2 25 | $159.2B | $1.8B | ||
| Q1 25 | $159.8B | $1.7B | ||
| Q4 24 | $157.3B | $1.7B | ||
| Q3 24 | $157.4B | $1.8B | ||
| Q2 24 | $154.1B | $1.8B | ||
| Q1 24 | $154.9B | $1.8B |
负债/权益比RFSCSC
| Q4 25 | 0.22× | — | ||
| Q3 25 | 0.25× | — | ||
| Q2 25 | 0.28× | — | ||
| Q1 25 | 0.32× | — | ||
| Q4 24 | 0.34× | — | ||
| Q3 24 | 0.32× | — | ||
| Q2 24 | 0.30× | — | ||
| Q1 24 | 0.20× | — |
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 | $30.8M |
| 自由现金流经营现金流 - 资本支出 | — | $28.9M |
| 自由现金流率自由现金流/营收 | — | 3.8% |
| 资本支出强度资本支出/营收 | — | 0.3% |
| 现金转化率经营现金流/净利润 | -0.60× | 1.87× |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流RFSCSC
| Q4 25 | $-319.0M | $30.8M | ||
| Q3 25 | $861.0M | $23.2M | ||
| Q2 25 | $573.0M | — | ||
| Q1 25 | $1.1B | $66.1M | ||
| Q4 24 | $-220.0M | $-6.2M | ||
| Q3 24 | $1.3B | $44.8M | ||
| Q2 24 | $161.0M | — | ||
| Q1 24 | $396.0M | $160.2M |
自由现金流RFSCSC
| Q4 25 | — | $28.9M | ||
| Q3 25 | — | $20.8M | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $64.6M | ||
| Q4 24 | — | $-8.2M | ||
| Q3 24 | — | $42.5M | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $157.7M |
自由现金流率RFSCSC
| Q4 25 | — | 3.8% | ||
| Q3 25 | — | 2.8% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 9.2% | ||
| Q4 24 | — | -1.1% | ||
| Q3 24 | — | 5.5% | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 21.0% |
资本支出强度RFSCSC
| Q4 25 | — | 0.3% | ||
| Q3 25 | — | 0.3% | ||
| Q2 25 | — | 0.3% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | — | 0.3% | ||
| Q3 24 | — | 0.3% | ||
| Q2 24 | — | 0.2% | ||
| Q1 24 | — | 0.3% |
现金转化率RFSCSC
| Q4 25 | -0.60× | 1.87× | ||
| Q3 25 | 1.51× | 1.17× | ||
| Q2 25 | 1.02× | — | ||
| Q1 25 | 2.18× | 3.79× | ||
| Q4 24 | -0.41× | -0.36× | ||
| Q3 24 | 2.57× | 2.64× | ||
| Q2 24 | 0.32× | — | ||
| Q1 24 | 1.08× | 12.51× |
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% |
SCSC
| Products And Services | $723.4M | 94% |
| Intelisys Advisory | $25.0M | 3% |
| Recurring Revenue | $18.2M | 2% |
