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Side-by-side financial comparison of Bank First Corp (BFC) 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 $44.9M, roughly 1.3× Bank First Corp). Bank First Corp runs the higher net margin — 45.8% vs 0.8%, a 45.0% gap on every dollar of revenue. On growth, REGIS CORP posted the faster year-over-year revenue change (22.3% vs 12.1%). Bank First Corp produced more free cash flow last quarter ($51.0M vs $891.0K). Over the past eight quarters, Bank First Corp's revenue compounded faster (9.1% CAGR vs 7.8%).
First Horizon Corporation, formerly First Tennessee Bank, is a financial services company, founded in 1864, and based in Memphis, Tennessee. Through its banking subsidiary First Horizon Bank, it provides financial services through locations in 12 states across the Southeast, a region in which it is the fourth largest regional bank.
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.
BFC vs RGS — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $44.9M | $57.1M |
| Net Profit | $18.4M | $456.0K |
| Gross Margin | — | — |
| Operating Margin | 51.0% | 10.8% |
| Net Margin | 45.8% | 0.8% |
| Revenue YoY | 12.1% | 22.3% |
| Net Profit YoY | 4.8% | -94.0% |
| EPS (diluted) | $1.87 | $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 | $44.9M | $57.1M | ||
| Q3 25 | $44.2M | $59.0M | ||
| Q2 25 | $41.6M | $60.4M | ||
| Q1 25 | $43.1M | $57.0M | ||
| Q4 24 | $40.1M | $46.7M | ||
| Q3 24 | $40.8M | $46.1M | ||
| Q2 24 | $38.9M | $49.4M | ||
| Q1 24 | $37.7M | $49.2M |
| Q4 25 | $18.4M | $456.0K | ||
| Q3 25 | $18.0M | $1.4M | ||
| Q2 25 | $16.9M | $116.5M | ||
| Q1 25 | $18.2M | $250.0K | ||
| Q4 24 | $17.5M | $7.6M | ||
| Q3 24 | $16.6M | $-853.0K | ||
| Q2 24 | $16.1M | $91.2M | ||
| Q1 24 | $15.4M | $-2.3M |
| Q4 25 | 51.0% | 10.8% | ||
| Q3 25 | 50.8% | 10.0% | ||
| Q2 25 | 49.7% | 12.1% | ||
| Q1 25 | 51.3% | 8.8% | ||
| Q4 24 | 54.4% | 11.8% | ||
| Q3 24 | 50.7% | 4.6% | ||
| Q2 24 | 51.0% | — | ||
| Q1 24 | 45.6% | 8.3% |
| Q4 25 | 45.8% | 0.8% | ||
| Q3 25 | 40.7% | 2.3% | ||
| Q2 25 | 40.5% | 192.9% | ||
| Q1 25 | 42.3% | 0.4% | ||
| Q4 24 | 49.3% | 16.4% | ||
| Q3 24 | 40.6% | -1.9% | ||
| Q2 24 | 41.3% | 184.7% | ||
| Q1 24 | 40.8% | -4.7% |
| Q4 25 | $1.87 | $0.16 | ||
| Q3 25 | $1.83 | $0.49 | ||
| Q2 25 | $1.71 | $43.67 | ||
| Q1 25 | $1.82 | $0.08 | ||
| Q4 24 | $1.75 | $2.71 | ||
| Q3 24 | $1.65 | $-0.36 | ||
| Q2 24 | $1.59 | $38.40 | ||
| Q1 24 | $1.51 | $-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 | $243.2M | $18.4M |
| Total DebtLower is stronger | — | $113.3M |
| Stockholders' EquityBook value | $643.8M | $188.7M |
| Total Assets | $4.5B | $588.3M |
| Debt / EquityLower = less leverage | — | 0.60× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $243.2M | $18.4M | ||
| Q3 25 | $126.2M | $16.6M | ||
| Q2 25 | $120.3M | $17.0M | ||
| Q1 25 | $300.9M | $13.3M | ||
| Q4 24 | $261.3M | $10.2M | ||
| Q3 24 | $204.4M | $6.3M | ||
| Q2 24 | $99.0M | $10.1M | ||
| Q1 24 | $83.4M | $5.9M |
| 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 | ||
| Q1 24 | — | $179.7M |
| Q4 25 | $643.8M | $188.7M | ||
| Q3 25 | $628.1M | $187.6M | ||
| Q2 25 | $612.3M | $185.6M | ||
| Q1 25 | $648.4M | $68.6M | ||
| Q4 24 | $639.7M | $66.7M | ||
| Q3 24 | $628.9M | $56.4M | ||
| Q2 24 | $614.6M | $56.8M | ||
| Q1 24 | $609.3M | $-35.8M |
| Q4 25 | $4.5B | $588.3M | ||
| Q3 25 | $4.4B | $592.1M | ||
| Q2 25 | $4.4B | $599.0M | ||
| Q1 25 | $4.5B | $511.2M | ||
| Q4 24 | $4.5B | $530.1M | ||
| Q3 24 | $4.3B | $508.9M | ||
| Q2 24 | $4.1B | $530.5M | ||
| Q1 24 | $4.1B | $543.7M |
| 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× | ||
| Q1 24 | — | — |
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 | $62.5M | $1.7M |
| Free Cash FlowOCF − Capex | $51.0M | $891.0K |
| FCF MarginFCF / Revenue | 113.6% | 1.6% |
| Capex IntensityCapex / Revenue | 25.5% | 1.4% |
| Cash ConversionOCF / Net Profit | 3.40× | 3.65× |
| TTM Free Cash FlowTrailing 4 quarters | $75.8M | $14.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $62.5M | $1.7M | ||
| Q3 25 | $15.5M | $2.3M | ||
| Q2 25 | $11.9M | $6.8M | ||
| Q1 25 | $6.2M | $6.2M | ||
| Q4 24 | $65.8M | $2.1M | ||
| Q3 24 | $18.8M | $-1.3M | ||
| Q2 24 | $14.9M | $5.1M | ||
| Q1 24 | $1.3M | $-277.0K |
| Q4 25 | $51.0M | $891.0K | ||
| Q3 25 | $12.5M | $1.9M | ||
| Q2 25 | $8.2M | $6.2M | ||
| Q1 25 | $4.0M | $5.9M | ||
| Q4 24 | $58.6M | $1.7M | ||
| Q3 24 | $16.9M | $-1.4M | ||
| Q2 24 | $13.7M | $5.1M | ||
| Q1 24 | $551.0K | $-326.0K |
| Q4 25 | 113.6% | 1.6% | ||
| Q3 25 | 28.2% | 3.2% | ||
| Q2 25 | 19.8% | 10.3% | ||
| Q1 25 | 9.3% | 10.3% | ||
| Q4 24 | 146.3% | 3.6% | ||
| Q3 24 | 41.5% | -3.0% | ||
| Q2 24 | 35.3% | 10.3% | ||
| Q1 24 | 1.5% | -0.7% |
| Q4 25 | 25.5% | 1.4% | ||
| Q3 25 | 6.7% | 0.7% | ||
| Q2 25 | 8.7% | 0.9% | ||
| Q1 25 | 5.0% | 0.6% | ||
| Q4 24 | 18.0% | 0.9% | ||
| Q3 24 | 4.5% | 0.0% | ||
| Q2 24 | 3.1% | 0.0% | ||
| Q1 24 | 2.1% | 0.1% |
| Q4 25 | 3.40× | 3.65× | ||
| Q3 25 | 0.86× | 1.68× | ||
| Q2 25 | 0.70× | 0.06× | ||
| Q1 25 | 0.34× | 24.80× | ||
| Q4 24 | 3.75× | 0.28× | ||
| Q3 24 | 1.13× | — | ||
| Q2 24 | 0.93× | 0.06× | ||
| Q1 24 | 0.09× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BFC
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% |
