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Side-by-side financial comparison of COLONY BANKCORP INC (CBAN) 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 $39.9M, roughly 1.4× COLONY BANKCORP INC). COLONY BANKCORP INC runs the higher net margin — 20.6% vs 0.8%, a 19.8% gap on every dollar of revenue. Over the past eight quarters, COLONY BANKCORP INC's revenue compounded faster (19.6% CAGR vs 7.8%).
Colony Bankcorp Inc is a US-based bank holding company that operates Colony Bank. It provides a full suite of personal and commercial banking services including deposit accounts, consumer and business loans, mortgage services, and wealth management solutions, primarily serving retail customers and small-to-medium enterprises across the state of Georgia.
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.
CBAN vs RGS — Head-to-Head
Income Statement — Q1 FY2026 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $39.9M | $57.1M |
| Net Profit | $8.2M | $456.0K |
| Gross Margin | — | — |
| Operating Margin | — | 10.8% |
| Net Margin | 20.6% | 0.8% |
| Revenue YoY | — | 22.3% |
| Net Profit YoY | 24.1% | -94.0% |
| EPS (diluted) | — | $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.
| Q1 26 | $39.9M | — | ||
| Q4 25 | $36.9M | $57.1M | ||
| Q3 25 | $32.8M | $59.0M | ||
| Q2 25 | $32.5M | $60.4M | ||
| Q1 25 | $30.0M | $57.0M | ||
| Q4 24 | $30.8M | $46.7M | ||
| Q3 24 | $28.6M | $46.1M | ||
| Q2 24 | $27.9M | $49.4M |
| Q1 26 | $8.2M | — | ||
| Q4 25 | — | $456.0K | ||
| Q3 25 | $5.8M | $1.4M | ||
| Q2 25 | $8.0M | $116.5M | ||
| Q1 25 | $6.6M | $250.0K | ||
| Q4 24 | — | $7.6M | ||
| Q3 24 | $5.6M | $-853.0K | ||
| Q2 24 | $5.5M | $91.2M |
| Q1 26 | — | — | ||
| Q4 25 | 25.9% | 10.8% | ||
| Q3 25 | 22.2% | 10.0% | ||
| Q2 25 | 30.9% | 12.1% | ||
| Q1 25 | 27.6% | 8.8% | ||
| Q4 24 | 28.8% | 11.8% | ||
| Q3 24 | 24.6% | 4.6% | ||
| Q2 24 | 24.8% | — |
| Q1 26 | 20.6% | — | ||
| Q4 25 | — | 0.8% | ||
| Q3 25 | 17.7% | 2.3% | ||
| Q2 25 | 24.6% | 192.9% | ||
| Q1 25 | 22.0% | 0.4% | ||
| Q4 24 | — | 16.4% | ||
| Q3 24 | 19.7% | -1.9% | ||
| Q2 24 | 19.6% | 184.7% |
| Q1 26 | — | — | ||
| Q4 25 | $0.42 | $0.16 | ||
| Q3 25 | $0.33 | $0.49 | ||
| Q2 25 | $0.46 | $43.67 | ||
| Q1 25 | $0.38 | $0.08 | ||
| Q4 24 | $0.43 | $2.71 | ||
| Q3 24 | $0.32 | $-0.36 | ||
| Q2 24 | $0.31 | $38.40 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $295.8M | $18.4M |
| Total DebtLower is stronger | — | $113.3M |
| Stockholders' EquityBook value | $380.4M | $188.7M |
| Total Assets | $3.7B | $588.3M |
| Debt / EquityLower = less leverage | — | 0.60× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $295.8M | — | ||
| Q4 25 | — | $18.4M | ||
| Q3 25 | — | $16.6M | ||
| Q2 25 | — | $17.0M | ||
| Q1 25 | — | $13.3M | ||
| Q4 24 | — | $10.2M | ||
| Q3 24 | — | $6.3M | ||
| Q2 24 | — | $10.1M |
| Q1 26 | — | — | ||
| Q4 25 | $258.1M | $113.3M | ||
| Q3 25 | — | $111.3M | ||
| Q2 25 | — | $110.8M | ||
| Q1 25 | — | $112.0M | ||
| Q4 24 | $248.0M | $111.5M | ||
| Q3 24 | — | $95.2M | ||
| Q2 24 | — | $99.5M |
| Q1 26 | $380.4M | — | ||
| Q4 25 | $375.9M | $188.7M | ||
| Q3 25 | $302.3M | $187.6M | ||
| Q2 25 | $293.9M | $185.6M | ||
| Q1 25 | $286.9M | $68.6M | ||
| Q4 24 | $278.7M | $66.7M | ||
| Q3 24 | $276.1M | $56.4M | ||
| Q2 24 | $264.7M | $56.8M |
| Q1 26 | $3.7B | — | ||
| Q4 25 | $3.7B | $588.3M | ||
| Q3 25 | $3.2B | $592.1M | ||
| Q2 25 | $3.1B | $599.0M | ||
| Q1 25 | $3.2B | $511.2M | ||
| Q4 24 | $3.1B | $530.1M | ||
| Q3 24 | $3.1B | $508.9M | ||
| Q2 24 | $3.0B | $530.5M |
| Q1 26 | — | — | ||
| Q4 25 | 0.69× | 0.60× | ||
| Q3 25 | — | 0.59× | ||
| Q2 25 | — | 0.60× | ||
| Q1 25 | — | 1.63× | ||
| Q4 24 | 0.89× | 1.67× | ||
| Q3 24 | — | 1.69× | ||
| Q2 24 | — | 1.75× |
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 | — | $1.7M |
| Free Cash FlowOCF − Capex | — | $891.0K |
| FCF MarginFCF / Revenue | — | 1.6% |
| Capex IntensityCapex / Revenue | — | 1.4% |
| Cash ConversionOCF / Net Profit | — | 3.65× |
| TTM Free Cash FlowTrailing 4 quarters | — | $14.9M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $-5.5M | $1.7M | ||
| Q3 25 | $14.4M | $2.3M | ||
| Q2 25 | $15.8M | $6.8M | ||
| Q1 25 | $17.9M | $6.2M | ||
| Q4 24 | $23.4M | $2.1M | ||
| Q3 24 | $20.5M | $-1.3M | ||
| Q2 24 | $1.1M | $5.1M |
| Q1 26 | — | — | ||
| Q4 25 | $-6.9M | $891.0K | ||
| Q3 25 | $14.1M | $1.9M | ||
| Q2 25 | $15.8M | $6.2M | ||
| Q1 25 | $17.6M | $5.9M | ||
| Q4 24 | $22.3M | $1.7M | ||
| Q3 24 | $20.2M | $-1.4M | ||
| Q2 24 | $990.0K | $5.1M |
| Q1 26 | — | — | ||
| Q4 25 | -18.7% | 1.6% | ||
| Q3 25 | 42.9% | 3.2% | ||
| Q2 25 | 48.5% | 10.3% | ||
| Q1 25 | 58.7% | 10.3% | ||
| Q4 24 | 72.5% | 3.6% | ||
| Q3 24 | 70.6% | -3.0% | ||
| Q2 24 | 3.5% | 10.3% |
| Q1 26 | — | — | ||
| Q4 25 | 3.7% | 1.4% | ||
| Q3 25 | 1.1% | 0.7% | ||
| Q2 25 | 0.3% | 0.9% | ||
| Q1 25 | 1.2% | 0.6% | ||
| Q4 24 | 3.5% | 0.9% | ||
| Q3 24 | 1.0% | 0.0% | ||
| Q2 24 | 0.5% | 0.0% |
| Q1 26 | — | — | ||
| Q4 25 | — | 3.65× | ||
| Q3 25 | 2.48× | 1.68× | ||
| Q2 25 | 1.99× | 0.06× | ||
| Q1 25 | 2.71× | 24.80× | ||
| Q4 24 | — | 0.28× | ||
| Q3 24 | 3.64× | — | ||
| Q2 24 | 0.20× | 0.06× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CBAN
| Net Interest Income | $29.2M | 73% |
| Noninterest Income | $10.7M | 27% |
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
