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Regions Financial Corporation（RF）与Ubiquiti Inc.（UI）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Ubiquiti Inc.的1.6倍（$1.3B vs $814.9M），Regions Financial Corporation净利率更高（41.7% vs 28.7%，领先13.0%），Ubiquiti Inc.同比增速更快（35.8% vs 4.1%），过去两年Ubiquiti Inc.的营收复合增速更高（28.6% vs 4.0%）
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。
Ubiquiti Inc.是一家美国科技企业，2003年于加利福尼亚州圣何塞成立，目前总部位于纽约。公司旗下拥有多个品牌，主营面向企业及家庭用户的有线、无线数据通信产品的研发、生产与销售。
RF vs UI — 直观对比
营收规模更大
RF
是对方的1.6倍
$814.9M
营收增速更快
UI
高出31.7%
4.1%
净利率更高
RF
高出13.0%
28.7%
两年增速更快
UI
近两年复合增速
4.0%
损益表 — Q4 FY2025 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $1.3B | $814.9M |
| 净利润 | $534.0M | $233.6M |
| 毛利率 | — | 45.9% |
| 营业利润率 | 55.3% | 35.9% |
| 净利率 | 41.7% | 28.7% |
| 营收同比 | 4.1% | 35.8% |
| 净利润同比 | 0.0% | 70.8% |
| 每股收益（稀释后） | $0.59 | $3.86 |
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RFUI
| Q4 25 | $1.3B | $814.9M | ||
| Q3 25 | $1.3B | $733.8M | ||
| Q2 25 | $1.3B | $759.2M | ||
| Q1 25 | $1.2B | $664.2M | ||
| Q4 24 | $1.2B | $599.9M | ||
| Q3 24 | $1.2B | $550.3M | ||
| Q2 24 | $1.2B | $507.5M | ||
| Q1 24 | $1.2B | $493.0M |
净利润RFUI
| Q4 25 | $534.0M | $233.6M | ||
| Q3 25 | $569.0M | $207.9M | ||
| Q2 25 | $563.0M | $266.7M | ||
| Q1 25 | $490.0M | $180.4M | ||
| Q4 24 | $534.0M | $136.8M | ||
| Q3 24 | $490.0M | $128.0M | ||
| Q2 24 | $501.0M | $103.8M | ||
| Q1 24 | $368.0M | $76.3M |
毛利率RFUI
| Q4 25 | — | 45.9% | ||
| Q3 25 | — | 46.0% | ||
| Q2 25 | — | 45.1% | ||
| Q1 25 | — | 44.5% | ||
| Q4 24 | — | 41.2% | ||
| Q3 24 | — | 42.1% | ||
| Q2 24 | — | 40.2% | ||
| Q1 24 | — | 35.3% |
营业利润率RFUI
| Q4 25 | 55.3% | 35.9% | ||
| Q3 25 | 56.3% | 35.7% | ||
| Q2 25 | 56.1% | 34.4% | ||
| Q1 25 | 52.0% | 34.2% | ||
| Q4 24 | 53.4% | 29.8% | ||
| Q3 24 | 49.9% | 30.7% | ||
| Q2 24 | 52.7% | 27.3% | ||
| Q1 24 | 39.2% | 22.6% |
净利率RFUI
| Q4 25 | 41.7% | 28.7% | ||
| Q3 25 | 45.3% | 28.3% | ||
| Q2 25 | 44.7% | 35.1% | ||
| Q1 25 | 41.0% | 27.2% | ||
| Q4 24 | 43.4% | 22.8% | ||
| Q3 24 | 40.2% | 23.3% | ||
| Q2 24 | 42.2% | 20.5% | ||
| Q1 24 | 31.1% | 15.5% |
每股收益（稀释后）RFUI
| Q4 25 | $0.59 | $3.86 | ||
| Q3 25 | $0.61 | $3.43 | ||
| Q2 25 | $0.59 | $4.40 | ||
| Q1 25 | $0.51 | $2.98 | ||
| Q4 24 | $0.55 | $2.26 | ||
| Q3 24 | $0.49 | $2.12 | ||
| Q2 24 | $0.52 | $1.72 | ||
| Q1 24 | $0.37 | $1.26 |
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 | — | $302.8M |
| 总债务越低越好 | $4.1B | $47.5M |
| 股东权益账面价值 | $19.0B | $1.0B |
| 总资产 | $158.8B | $1.6B |
| 负债/权益比越低杠杆越低 | 0.22× | 0.05× |
8季度趋势，按日历期对齐
现金及短期投资RFUI
| Q4 25 | — | $302.8M | ||
| Q3 25 | — | $177.2M | ||
| Q2 25 | — | $149.7M | ||
| Q1 25 | — | $151.0M | ||
| Q4 24 | — | $133.1M | ||
| Q3 24 | — | $165.2M | ||
| Q2 24 | — | $126.3M | ||
| Q1 24 | — | $102.5M |
总债务RFUI
| Q4 25 | $4.1B | $47.5M | ||
| Q3 25 | $4.8B | $133.8M | ||
| Q2 25 | $5.3B | $250.0M | ||
| Q1 25 | $6.0B | $340.0M | ||
| Q4 24 | $6.0B | $406.3M | ||
| Q3 24 | $6.0B | $552.5M | ||
| Q2 24 | $5.1B | $708.1M | ||
| Q1 24 | $3.3B | $877.5M |
股东权益RFUI
| Q4 25 | $19.0B | $1.0B | ||
| Q3 25 | $19.0B | $828.4M | ||
| Q2 25 | $18.7B | $668.3M | ||
| Q1 25 | $18.5B | $436.1M | ||
| Q4 24 | $17.9B | $290.4M | ||
| Q3 24 | $18.7B | $188.1M | ||
| Q2 24 | $17.2B | $95.1M | ||
| Q1 24 | $17.0B | $25.9M |
总资产RFUI
| Q4 25 | $158.8B | $1.6B | ||
| Q3 25 | $159.9B | $1.5B | ||
| Q2 25 | $159.2B | $1.5B | ||
| Q1 25 | $159.8B | $1.3B | ||
| Q4 24 | $157.3B | $1.2B | ||
| Q3 24 | $157.4B | $1.2B | ||
| Q2 24 | $154.1B | $1.2B | ||
| Q1 24 | $154.9B | $1.2B |
负债/权益比RFUI
| Q4 25 | 0.22× | 0.05× | ||
| Q3 25 | 0.25× | 0.16× | ||
| Q2 25 | 0.28× | 0.37× | ||
| Q1 25 | 0.32× | 0.78× | ||
| Q4 24 | 0.34× | 1.40× | ||
| Q3 24 | 0.32× | 2.94× | ||
| Q2 24 | 0.30× | 7.45× | ||
| Q1 24 | 0.20× | 33.92× |
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 | $263.9M |
| 自由现金流经营现金流 - 资本支出 | — | $260.3M |
| 自由现金流率自由现金流/营收 | — | 31.9% |
| 资本支出强度资本支出/营收 | — | 0.4% |
| 现金转化率经营现金流/净利润 | -0.60× | 1.13× |
| 过去12个月自由现金流最近4个季度 | — | $699.5M |
8季度趋势，按日历期对齐
经营现金流RFUI
| Q4 25 | $-319.0M | $263.9M | ||
| Q3 25 | $861.0M | $198.5M | ||
| Q2 25 | $573.0M | $130.4M | ||
| Q1 25 | $1.1B | $123.6M | ||
| Q4 24 | $-220.0M | $152.4M | ||
| Q3 24 | $1.3B | $233.7M | ||
| Q2 24 | $161.0M | $231.4M | ||
| Q1 24 | $396.0M | $163.9M |
自由现金流RFUI
| Q4 25 | — | $260.3M | ||
| Q3 25 | — | $193.3M | ||
| Q2 25 | — | $125.2M | ||
| Q1 25 | — | $120.7M | ||
| Q4 24 | — | $150.4M | ||
| Q3 24 | — | $231.1M | ||
| Q2 24 | — | $229.5M | ||
| Q1 24 | — | $160.6M |
自由现金流率RFUI
| Q4 25 | — | 31.9% | ||
| Q3 25 | — | 26.3% | ||
| Q2 25 | — | 16.5% | ||
| Q1 25 | — | 18.2% | ||
| Q4 24 | — | 25.1% | ||
| Q3 24 | — | 42.0% | ||
| Q2 24 | — | 45.2% | ||
| Q1 24 | — | 32.6% |
资本支出强度RFUI
| Q4 25 | — | 0.4% | ||
| Q3 25 | — | 0.7% | ||
| Q2 25 | — | 0.7% | ||
| Q1 25 | — | 0.4% | ||
| Q4 24 | — | 0.3% | ||
| Q3 24 | — | 0.5% | ||
| Q2 24 | — | 0.4% | ||
| Q1 24 | — | 0.7% |
现金转化率RFUI
| Q4 25 | -0.60× | 1.13× | ||
| Q3 25 | 1.51× | 0.95× | ||
| Q2 25 | 1.02× | 0.49× | ||
| Q1 25 | 2.18× | 0.68× | ||
| Q4 24 | -0.41× | 1.11× | ||
| Q3 24 | 2.57× | 1.83× | ||
| Q2 24 | 0.32× | 2.23× | ||
| Q1 24 | 1.08× | 2.15× |
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% |
UI
| Enterprise Technology | $729.0M | 89% |
| Service Provider Technology | $85.9M | 11% |
