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Side-by-side financial comparison of ACNB CORP (ACNB) and REGIS CORP (RGS). Click either name above to swap in a different company.
REGIS CORP is the larger business by last-quarter revenue ($57.1M vs $47.2M, roughly 1.2× ACNB CORP). ACNB CORP runs the higher net margin — 22.9% vs 0.8%, a 22.1% gap on every dollar of revenue. On growth, ACNB CORP posted the faster year-over-year revenue change (42.2% vs 22.3%). ACNB CORP produced more free cash flow last quarter ($52.6M vs $891.0K). Over the past eight quarters, ACNB CORP's revenue compounded faster (22.1% CAGR vs 7.8%).
ACNB Corp is a US-based financial holding company headquartered in Pennsylvania. It provides a full suite of financial solutions including retail and commercial banking, wealth management, trust services, and property & casualty insurance products. Its core market covers local communities, individual consumers, and small-to-medium enterprises across south-central Pennsylvania and northern Maryland.
REGIS CORPRGSEarnings & Financial Report
Regis Corporation is an American operator of hair salons. As of August 2021, it has 5,563 franchised and 276 company-owned salons. Its headquarters are in Minneapolis, Minnesota.
ACNB vs RGS — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $47.2M | $57.1M |
| Net Profit | $10.8M | $456.0K |
| Gross Margin | — | — |
| Operating Margin | 27.9% | 10.8% |
| Net Margin | 22.9% | 0.8% |
| Revenue YoY | 42.2% | 22.3% |
| Net Profit YoY | 63.8% | -94.0% |
| EPS (diluted) | $1.10 | $0.16 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $47.2M | $57.1M | ||
| Q3 25 | $50.9M | $59.0M | ||
| Q2 25 | $50.3M | $60.4M | ||
| Q1 25 | $43.5M | $57.0M | ||
| Q4 24 | $33.2M | $46.7M | ||
| Q3 24 | $34.1M | $46.1M | ||
| Q2 24 | $33.3M | $49.4M | ||
| Q1 24 | $31.6M | $49.2M |
| Q4 25 | $10.8M | $456.0K | ||
| Q3 25 | $14.9M | $1.4M | ||
| Q2 25 | $11.6M | $116.5M | ||
| Q1 25 | $-272.0K | $250.0K | ||
| Q4 24 | $6.6M | $7.6M | ||
| Q3 24 | $7.2M | $-853.0K | ||
| Q2 24 | $11.3M | $91.2M | ||
| Q1 24 | $6.8M | $-2.3M |
| Q4 25 | 27.9% | 10.8% | ||
| Q3 25 | 37.2% | 10.0% | ||
| Q2 25 | 29.7% | 12.1% | ||
| Q1 25 | -1.3% | 8.8% | ||
| Q4 24 | 24.8% | 11.8% | ||
| Q3 24 | 27.6% | 4.6% | ||
| Q2 24 | 42.8% | — | ||
| Q1 24 | 26.9% | 8.3% |
| Q4 25 | 22.9% | 0.8% | ||
| Q3 25 | 29.2% | 2.3% | ||
| Q2 25 | 23.2% | 192.9% | ||
| Q1 25 | -0.6% | 0.4% | ||
| Q4 24 | 19.9% | 16.4% | ||
| Q3 24 | 21.1% | -1.9% | ||
| Q2 24 | 33.9% | 184.7% | ||
| Q1 24 | 21.4% | -4.7% |
| Q4 25 | $1.10 | $0.16 | ||
| Q3 25 | $1.42 | $0.49 | ||
| Q2 25 | $1.11 | $43.67 | ||
| Q1 25 | $-0.03 | $0.08 | ||
| Q4 24 | $0.77 | $2.71 | ||
| Q3 24 | $0.84 | $-0.36 | ||
| Q2 24 | $1.32 | $38.40 | ||
| Q1 24 | $0.80 | $-1.00 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $65.6M | $18.4M |
| Total DebtLower is stronger | $255.4M | $113.3M |
| Stockholders' EquityBook value | $420.0M | $188.7M |
| Total Assets | $3.2B | $588.3M |
| Debt / EquityLower = less leverage | 0.61× | 0.60× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $65.6M | $18.4M | ||
| Q3 25 | $102.1M | $16.6M | ||
| Q2 25 | $103.1M | $17.0M | ||
| Q1 25 | $123.6M | $13.3M | ||
| Q4 24 | $47.3M | $10.2M | ||
| Q3 24 | $58.1M | $6.3M | ||
| Q2 24 | $86.3M | $10.1M | ||
| Q1 24 | $53.1M | $5.9M |
| Q4 25 | $255.4M | $113.3M | ||
| Q3 25 | $255.4M | $111.3M | ||
| Q2 25 | $255.4M | $110.8M | ||
| Q1 25 | $255.3M | $112.0M | ||
| Q4 24 | $255.3M | $111.5M | ||
| Q3 24 | $255.3M | $95.2M | ||
| Q2 24 | $255.3M | $99.5M | ||
| Q1 24 | $255.3M | $179.7M |
| Q4 25 | $420.0M | $188.7M | ||
| Q3 25 | $408.6M | $187.6M | ||
| Q2 25 | $395.2M | $185.6M | ||
| Q1 25 | $386.9M | $68.6M | ||
| Q4 24 | $303.3M | $66.7M | ||
| Q3 24 | $306.8M | $56.4M | ||
| Q2 24 | $289.3M | $56.8M | ||
| Q1 24 | $279.9M | $-35.8M |
| Q4 25 | $3.2B | $588.3M | ||
| Q3 25 | $3.3B | $592.1M | ||
| Q2 25 | $3.3B | $599.0M | ||
| Q1 25 | $3.3B | $511.2M | ||
| Q4 24 | $2.4B | $530.1M | ||
| Q3 24 | $2.4B | $508.9M | ||
| Q2 24 | $2.5B | $530.5M | ||
| Q1 24 | $2.4B | $543.7M |
| Q4 25 | 0.61× | 0.60× | ||
| Q3 25 | 0.62× | 0.59× | ||
| Q2 25 | 0.65× | 0.60× | ||
| Q1 25 | 0.66× | 1.63× | ||
| Q4 24 | 0.84× | 1.67× | ||
| Q3 24 | 0.83× | 1.69× | ||
| Q2 24 | 0.88× | 1.75× | ||
| Q1 24 | 0.91× | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $53.6M | $1.7M |
| Free Cash FlowOCF − Capex | $52.6M | $891.0K |
| FCF MarginFCF / Revenue | 111.4% | 1.6% |
| Capex IntensityCapex / Revenue | 2.3% | 1.4% |
| Cash ConversionOCF / Net Profit | 4.96× | 3.65× |
| TTM Free Cash FlowTrailing 4 quarters | $92.2M | $14.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $53.6M | $1.7M | ||
| Q3 25 | $23.2M | $2.3M | ||
| Q2 25 | $17.8M | $6.8M | ||
| Q1 25 | $-71.0K | $6.2M | ||
| Q4 24 | $39.8M | $2.1M | ||
| Q3 24 | $13.6M | $-1.3M | ||
| Q2 24 | $9.7M | $5.1M | ||
| Q1 24 | $10.8M | $-277.0K |
| Q4 25 | $52.6M | $891.0K | ||
| Q3 25 | $22.8M | $1.9M | ||
| Q2 25 | $17.6M | $6.2M | ||
| Q1 25 | $-730.0K | $5.9M | ||
| Q4 24 | $38.8M | $1.7M | ||
| Q3 24 | $13.3M | $-1.4M | ||
| Q2 24 | $9.4M | $5.1M | ||
| Q1 24 | $10.7M | $-326.0K |
| Q4 25 | 111.4% | 1.6% | ||
| Q3 25 | 44.7% | 3.2% | ||
| Q2 25 | 35.0% | 10.3% | ||
| Q1 25 | -1.7% | 10.3% | ||
| Q4 24 | 117.0% | 3.6% | ||
| Q3 24 | 39.1% | -3.0% | ||
| Q2 24 | 28.3% | 10.3% | ||
| Q1 24 | 33.9% | -0.7% |
| Q4 25 | 2.3% | 1.4% | ||
| Q3 25 | 0.8% | 0.7% | ||
| Q2 25 | 0.4% | 0.9% | ||
| Q1 25 | 1.5% | 0.6% | ||
| Q4 24 | 2.9% | 0.9% | ||
| Q3 24 | 0.7% | 0.0% | ||
| Q2 24 | 0.9% | 0.0% | ||
| Q1 24 | 0.2% | 0.1% |
| Q4 25 | 4.96× | 3.65× | ||
| Q3 25 | 1.56× | 1.68× | ||
| Q2 25 | 1.52× | 0.06× | ||
| Q1 25 | — | 24.80× | ||
| Q4 24 | 6.03× | 0.28× | ||
| Q3 24 | 1.88× | — | ||
| Q2 24 | 0.86× | 0.06× | ||
| Q1 24 | 1.60× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ACNB
Segment breakdown not available.
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
