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Side-by-side financial comparison of C & F FINANCIAL CORP (CFFI) 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 $35.9M, roughly 1.6× C & F FINANCIAL CORP). C & F FINANCIAL CORP runs the higher net margin — 18.7% vs 0.8%, a 17.9% gap on every dollar of revenue. On growth, REGIS CORP posted the faster year-over-year revenue change (22.3% vs 12.0%). C & F FINANCIAL CORP produced more free cash flow last quarter ($22.2M vs $891.0K). Over the past eight quarters, C & F FINANCIAL CORP's revenue compounded faster (8.2% CAGR vs 7.8%).
Sun Life Financial Inc. is a Canadian financial services company headquartered in Toronto, Ontario. Founded in 1865, it operates internationally in life insurance, wealth management, and asset management. As of 2024, the company manages over CAD$1.3 trillion in assets and serves clients in Canada, the United States, Asia, and other markets.
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.
CFFI vs RGS — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $35.9M | $57.1M |
| Net Profit | $6.7M | $456.0K |
| Gross Margin | — | — |
| Operating Margin | 22.6% | 10.8% |
| Net Margin | 18.7% | 0.8% |
| Revenue YoY | 12.0% | 22.3% |
| Net Profit YoY | 11.0% | -94.0% |
| EPS (diluted) | $2.08 | $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 | $35.9M | $57.1M | ||
| Q3 25 | $36.0M | $59.0M | ||
| Q2 25 | $36.4M | $60.4M | ||
| Q1 25 | $32.6M | $57.0M | ||
| Q4 24 | $32.0M | $46.7M | ||
| Q3 24 | $33.5M | $46.1M | ||
| Q2 24 | $31.2M | $49.4M | ||
| Q1 24 | $30.6M | $49.2M |
| Q4 25 | $6.7M | $456.0K | ||
| Q3 25 | $7.1M | $1.4M | ||
| Q2 25 | $7.7M | $116.5M | ||
| Q1 25 | $5.4M | $250.0K | ||
| Q4 24 | $6.0M | $7.6M | ||
| Q3 24 | $5.4M | $-853.0K | ||
| Q2 24 | $5.0M | $91.2M | ||
| Q1 24 | $3.4M | $-2.3M |
| Q4 25 | 22.6% | 10.8% | ||
| Q3 25 | 24.5% | 10.0% | ||
| Q2 25 | 26.5% | 12.1% | ||
| Q1 25 | 20.0% | 8.8% | ||
| Q4 24 | 22.6% | 11.8% | ||
| Q3 24 | 19.9% | 4.6% | ||
| Q2 24 | 20.0% | — | ||
| Q1 24 | 13.1% | 8.3% |
| Q4 25 | 18.7% | 0.8% | ||
| Q3 25 | 19.6% | 2.3% | ||
| Q2 25 | 21.2% | 192.9% | ||
| Q1 25 | 16.5% | 0.4% | ||
| Q4 24 | 18.8% | 16.4% | ||
| Q3 24 | 16.1% | -1.9% | ||
| Q2 24 | 16.1% | 184.7% | ||
| Q1 24 | 11.1% | -4.7% |
| Q4 25 | $2.08 | $0.16 | ||
| Q3 25 | $2.18 | $0.49 | ||
| Q2 25 | $2.37 | $43.67 | ||
| Q1 25 | $1.66 | $0.08 | ||
| Q4 24 | $1.85 | $2.71 | ||
| Q3 24 | $1.65 | $-0.36 | ||
| Q2 24 | $1.50 | $38.40 | ||
| Q1 24 | $1.01 | $-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 | — | $18.4M |
| Total DebtLower is stronger | — | $113.3M |
| Stockholders' EquityBook value | $261.8M | $188.7M |
| Total Assets | $2.8B | $588.3M |
| Debt / EquityLower = less leverage | — | 0.60× |
8-quarter trend — quarters aligned by calendar period.
| 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 24 | — | $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 | $261.8M | $188.7M | ||
| Q3 25 | $253.3M | $187.6M | ||
| Q2 25 | $240.3M | $185.6M | ||
| Q1 25 | $234.6M | $68.6M | ||
| Q4 24 | $226.4M | $66.7M | ||
| Q3 24 | $227.3M | $56.4M | ||
| Q2 24 | $218.5M | $56.8M | ||
| Q1 24 | $216.3M | $-35.8M |
| Q4 25 | $2.8B | $588.3M | ||
| Q3 25 | $2.7B | $592.1M | ||
| Q2 25 | $2.7B | $599.0M | ||
| Q1 25 | $2.6B | $511.2M | ||
| Q4 24 | $2.6B | $530.1M | ||
| Q3 24 | $2.6B | $508.9M | ||
| Q2 24 | $2.5B | $530.5M | ||
| Q1 24 | $2.5B | $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 | $24.5M | $1.7M |
| Free Cash FlowOCF − Capex | $22.2M | $891.0K |
| FCF MarginFCF / Revenue | 61.8% | 1.6% |
| Capex IntensityCapex / Revenue | 6.5% | 1.4% |
| Cash ConversionOCF / Net Profit | 3.65× | 3.65× |
| TTM Free Cash FlowTrailing 4 quarters | $42.8M | $14.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $24.5M | $1.7M | ||
| Q3 25 | $23.4M | $2.3M | ||
| Q2 25 | $-4.4M | $6.8M | ||
| Q1 25 | $3.2M | $6.2M | ||
| Q4 24 | $36.8M | $2.1M | ||
| Q3 24 | $404.0K | $-1.3M | ||
| Q2 24 | $1.7M | $5.1M | ||
| Q1 24 | $895.0K | $-277.0K |
| Q4 25 | $22.2M | $891.0K | ||
| Q3 25 | $22.7M | $1.9M | ||
| Q2 25 | $-5.0M | $6.2M | ||
| Q1 25 | $2.9M | $5.9M | ||
| Q4 24 | $33.3M | $1.7M | ||
| Q3 24 | $-1.6M | $-1.4M | ||
| Q2 24 | $1.2M | $5.1M | ||
| Q1 24 | $410.0K | $-326.0K |
| Q4 25 | 61.8% | 1.6% | ||
| Q3 25 | 63.0% | 3.2% | ||
| Q2 25 | -13.6% | 10.3% | ||
| Q1 25 | 9.0% | 10.3% | ||
| Q4 24 | 103.8% | 3.6% | ||
| Q3 24 | -4.9% | -3.0% | ||
| Q2 24 | 3.7% | 10.3% | ||
| Q1 24 | 1.3% | -0.7% |
| Q4 25 | 6.5% | 1.4% | ||
| Q3 25 | 2.1% | 0.7% | ||
| Q2 25 | 1.6% | 0.9% | ||
| Q1 25 | 0.8% | 0.6% | ||
| Q4 24 | 10.9% | 0.9% | ||
| Q3 24 | 6.1% | 0.0% | ||
| Q2 24 | 1.7% | 0.0% | ||
| Q1 24 | 1.6% | 0.1% |
| Q4 25 | 3.65× | 3.65× | ||
| Q3 25 | 3.31× | 1.68× | ||
| Q2 25 | -0.57× | 0.06× | ||
| Q1 25 | 0.60× | 24.80× | ||
| Q4 24 | 6.09× | 0.28× | ||
| Q3 24 | 0.07× | — | ||
| Q2 24 | 0.34× | 0.06× | ||
| Q1 24 | 0.26× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CFFI
| Community Banking | $25.9M | 72% |
| Consumer Finance Segment | $7.0M | 19% |
| Mortgage Banking Segment | $1.9M | 5% |
| Other | $1.1M | 3% |
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
