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Side-by-side financial comparison of CIVISTA BANCSHARES, INC. (CIVB) 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 $47.3M, roughly 1.2× CIVISTA BANCSHARES, INC.). CIVISTA BANCSHARES, INC. runs the higher net margin — 31.7% vs 0.8%, a 30.9% gap on every dollar of revenue. Over the past eight quarters, CIVISTA BANCSHARES, INC.'s revenue compounded faster (11.3% CAGR vs 7.8%).
Civista Bancshares, Inc. is a US-based bank holding company operating primarily across the Midwest region. It provides a full suite of personal and commercial banking services including deposit accounts, mortgage, consumer and commercial lending products, as well as wealth management solutions, serving retail consumers, small and medium-sized local businesses and community client segments.
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.
CIVB vs RGS — Head-to-Head
Income Statement — Q1 FY2026 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $47.3M | $57.1M |
| Net Profit | $15.0M | $456.0K |
| Gross Margin | — | — |
| Operating Margin | — | 10.8% |
| Net Margin | 31.7% | 0.8% |
| Revenue YoY | — | 22.3% |
| Net Profit YoY | 47.4% | -94.0% |
| EPS (diluted) | $0.72 | $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 | $47.3M | — | ||
| Q4 25 | $46.3M | $57.1M | ||
| Q3 25 | $44.2M | $59.0M | ||
| Q2 25 | $41.4M | $60.4M | ||
| Q1 25 | $40.6M | $57.0M | ||
| Q4 24 | $40.4M | $46.7M | ||
| Q3 24 | $39.3M | $46.1M | ||
| Q2 24 | $38.1M | $49.4M |
| Q1 26 | $15.0M | — | ||
| Q4 25 | — | $456.0K | ||
| Q3 25 | $12.8M | $1.4M | ||
| Q2 25 | $11.0M | $116.5M | ||
| Q1 25 | $10.2M | $250.0K | ||
| Q4 24 | — | $7.6M | ||
| Q3 24 | $8.4M | $-853.0K | ||
| Q2 24 | $7.1M | $91.2M |
| Q1 26 | — | — | ||
| Q4 25 | 31.8% | 10.8% | ||
| Q3 25 | 35.4% | 10.0% | ||
| Q2 25 | 31.1% | 12.1% | ||
| Q1 25 | 29.4% | 8.8% | ||
| Q4 24 | 28.2% | 11.8% | ||
| Q3 24 | 25.2% | 4.6% | ||
| Q2 24 | 21.2% | — |
| Q1 26 | 31.7% | — | ||
| Q4 25 | — | 0.8% | ||
| Q3 25 | 28.9% | 2.3% | ||
| Q2 25 | 26.6% | 192.9% | ||
| Q1 25 | 25.0% | 0.4% | ||
| Q4 24 | — | 16.4% | ||
| Q3 24 | 21.3% | -1.9% | ||
| Q2 24 | 18.5% | 184.7% |
| Q1 26 | $0.72 | — | ||
| Q4 25 | $0.59 | $0.16 | ||
| Q3 25 | $0.68 | $0.49 | ||
| Q2 25 | $0.71 | $43.67 | ||
| Q1 25 | $0.66 | $0.08 | ||
| Q4 24 | $0.62 | $2.71 | ||
| Q3 24 | $0.53 | $-0.36 | ||
| Q2 24 | $0.45 | $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 | — | $18.4M |
| Total DebtLower is stronger | — | $113.3M |
| Stockholders' EquityBook value | $553.9M | $188.7M |
| Total Assets | $4.3B | $588.3M |
| Debt / EquityLower = less leverage | — | 0.60× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| 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 | — | $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 26 | $553.9M | — | ||
| Q4 25 | $543.5M | $188.7M | ||
| Q3 25 | $499.0M | $187.6M | ||
| Q2 25 | $404.1M | $185.6M | ||
| Q1 25 | $397.4M | $68.6M | ||
| Q4 24 | $388.5M | $66.7M | ||
| Q3 24 | $394.4M | $56.4M | ||
| Q2 24 | $373.8M | $56.8M |
| Q1 26 | $4.3B | — | ||
| Q4 25 | $4.3B | $588.3M | ||
| Q3 25 | $4.1B | $592.1M | ||
| Q2 25 | $4.2B | $599.0M | ||
| Q1 25 | $4.1B | $511.2M | ||
| Q4 24 | $4.1B | $530.1M | ||
| Q3 24 | $4.1B | $508.9M | ||
| Q2 24 | $4.0B | $530.5M |
| Q1 26 | — | — | ||
| 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× |
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 | $43.3M | $1.7M | ||
| Q3 25 | $19.0M | $2.3M | ||
| Q2 25 | $11.1M | $6.8M | ||
| Q1 25 | $3.6M | $6.2M | ||
| Q4 24 | $48.2M | $2.1M | ||
| Q3 24 | $12.9M | $-1.3M | ||
| Q2 24 | $12.2M | $5.1M |
| Q1 26 | — | — | ||
| Q4 25 | $42.1M | $891.0K | ||
| Q3 25 | — | $1.9M | ||
| Q2 25 | — | $6.2M | ||
| Q1 25 | $3.5M | $5.9M | ||
| Q4 24 | $44.1M | $1.7M | ||
| Q3 24 | — | $-1.4M | ||
| Q2 24 | — | $5.1M |
| Q1 26 | — | — | ||
| Q4 25 | 90.9% | 1.6% | ||
| Q3 25 | — | 3.2% | ||
| Q2 25 | — | 10.3% | ||
| Q1 25 | 8.5% | 10.3% | ||
| Q4 24 | 109.1% | 3.6% | ||
| Q3 24 | — | -3.0% | ||
| Q2 24 | — | 10.3% |
| Q1 26 | — | — | ||
| Q4 25 | 2.5% | 1.4% | ||
| Q3 25 | — | 0.7% | ||
| Q2 25 | — | 0.9% | ||
| Q1 25 | 0.4% | 0.6% | ||
| Q4 24 | 10.4% | 0.9% | ||
| Q3 24 | — | 0.0% | ||
| Q2 24 | — | 0.0% |
| Q1 26 | — | — | ||
| Q4 25 | — | 3.65× | ||
| Q3 25 | 1.49× | 1.68× | ||
| Q2 25 | 1.01× | 0.06× | ||
| Q1 25 | 0.36× | 24.80× | ||
| Q4 24 | — | 0.28× | ||
| Q3 24 | 1.54× | — | ||
| Q2 24 | 1.73× | 0.06× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CIVB
| Net Interest Income | $37.8M | 80% |
| Noninterest Income | $9.4M | 20% |
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
