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Side-by-side financial comparison of CENTRAL PACIFIC FINANCIAL CORP (CPF) and REGIS CORP (RGS). Click either name above to swap in a different company.
CENTRAL PACIFIC FINANCIAL CORP is the larger business by last-quarter revenue ($72.9M vs $57.1M, roughly 1.3× REGIS CORP). CENTRAL PACIFIC FINANCIAL CORP runs the higher net margin — 28.4% vs 0.8%, a 27.6% gap on every dollar of revenue. On growth, REGIS CORP posted the faster year-over-year revenue change (22.3% vs 6.0%). Over the past eight quarters, REGIS CORP's revenue compounded faster (7.8% CAGR vs 6.7%).
Central Pacific Bank (CPB) is an American regional commercial bank located throughout the state of Hawaii.
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.
CPF vs RGS — Head-to-Head
Income Statement — Q1 FY2026 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $72.9M | $57.1M |
| Net Profit | $20.7M | $456.0K |
| Gross Margin | — | — |
| Operating Margin | — | 10.8% |
| Net Margin | 28.4% | 0.8% |
| Revenue YoY | 6.0% | 22.3% |
| Net Profit YoY | 16.7% | -94.0% |
| EPS (diluted) | $0.78 | $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 | $72.9M | — | ||
| Q4 25 | $76.3M | $57.1M | ||
| Q3 25 | $74.8M | $59.0M | ||
| Q2 25 | $72.8M | $60.4M | ||
| Q1 25 | $68.8M | $57.0M | ||
| Q4 24 | $58.4M | $46.7M | ||
| Q3 24 | $66.6M | $46.1M | ||
| Q2 24 | $64.0M | $49.4M |
| Q1 26 | $20.7M | — | ||
| Q4 25 | $22.9M | $456.0K | ||
| Q3 25 | $18.6M | $1.4M | ||
| Q2 25 | $18.3M | $116.5M | ||
| Q1 25 | $17.8M | $250.0K | ||
| Q4 24 | $11.3M | $7.6M | ||
| Q3 24 | $13.3M | $-853.0K | ||
| Q2 24 | $15.8M | $91.2M |
| Q1 26 | — | — | ||
| Q4 25 | 37.0% | 10.8% | ||
| Q3 25 | 31.6% | 10.0% | ||
| Q2 25 | 32.8% | 12.1% | ||
| Q1 25 | 32.8% | 8.8% | ||
| Q4 24 | 23.0% | 11.8% | ||
| Q3 24 | 25.6% | 4.6% | ||
| Q2 24 | 32.2% | — |
| Q1 26 | 28.4% | — | ||
| Q4 25 | 30.0% | 0.8% | ||
| Q3 25 | 24.8% | 2.3% | ||
| Q2 25 | 25.1% | 192.9% | ||
| Q1 25 | 25.8% | 0.4% | ||
| Q4 24 | 19.4% | 16.4% | ||
| Q3 24 | 20.0% | -1.9% | ||
| Q2 24 | 24.7% | 184.7% |
| Q1 26 | $0.78 | — | ||
| Q4 25 | $0.85 | $0.16 | ||
| Q3 25 | $0.69 | $0.49 | ||
| Q2 25 | $0.67 | $43.67 | ||
| Q1 25 | $0.65 | $0.08 | ||
| Q4 24 | $0.42 | $2.71 | ||
| Q3 24 | $0.49 | $-0.36 | ||
| Q2 24 | $0.58 | $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 | $76.5M | $113.3M |
| Stockholders' EquityBook value | $593.9M | $188.7M |
| Total Assets | $7.5B | $588.3M |
| Debt / EquityLower = less leverage | 0.13× | 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 | $76.5M | — | ||
| Q4 25 | $76.5M | $113.3M | ||
| Q3 25 | $131.5M | $111.3M | ||
| Q2 25 | $131.5M | $110.8M | ||
| Q1 25 | $131.4M | $112.0M | ||
| Q4 24 | $156.3M | $111.5M | ||
| Q3 24 | $156.3M | $95.2M | ||
| Q2 24 | $156.2M | $99.5M |
| Q1 26 | $593.9M | — | ||
| Q4 25 | $592.6M | $188.7M | ||
| Q3 25 | $588.1M | $187.6M | ||
| Q2 25 | $568.9M | $185.6M | ||
| Q1 25 | $557.4M | $68.6M | ||
| Q4 24 | $538.4M | $66.7M | ||
| Q3 24 | $543.7M | $56.4M | ||
| Q2 24 | $518.6M | $56.8M |
| Q1 26 | $7.5B | — | ||
| Q4 25 | $7.4B | $588.3M | ||
| Q3 25 | $7.4B | $592.1M | ||
| Q2 25 | $7.4B | $599.0M | ||
| Q1 25 | $7.4B | $511.2M | ||
| Q4 24 | $7.5B | $530.1M | ||
| Q3 24 | $7.4B | $508.9M | ||
| Q2 24 | $7.4B | $530.5M |
| Q1 26 | 0.13× | — | ||
| Q4 25 | 0.13× | 0.60× | ||
| Q3 25 | 0.22× | 0.59× | ||
| Q2 25 | 0.23× | 0.60× | ||
| Q1 25 | 0.24× | 1.63× | ||
| Q4 24 | 0.29× | 1.67× | ||
| Q3 24 | 0.29× | 1.69× | ||
| Q2 24 | 0.30× | 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 | $97.5M | $1.7M | ||
| Q3 25 | $22.2M | $2.3M | ||
| Q2 25 | $34.3M | $6.8M | ||
| Q1 25 | $20.4M | $6.2M | ||
| Q4 24 | $90.5M | $2.1M | ||
| Q3 24 | $21.3M | $-1.3M | ||
| Q2 24 | $25.9M | $5.1M |
| Q1 26 | — | — | ||
| Q4 25 | $92.3M | $891.0K | ||
| Q3 25 | $21.4M | $1.9M | ||
| Q2 25 | $32.3M | $6.2M | ||
| Q1 25 | $19.6M | $5.9M | ||
| Q4 24 | $75.4M | $1.7M | ||
| Q3 24 | $15.6M | $-1.4M | ||
| Q2 24 | $21.3M | $5.1M |
| Q1 26 | — | — | ||
| Q4 25 | 121.0% | 1.6% | ||
| Q3 25 | 28.6% | 3.2% | ||
| Q2 25 | 44.3% | 10.3% | ||
| Q1 25 | 28.4% | 10.3% | ||
| Q4 24 | 129.2% | 3.6% | ||
| Q3 24 | 23.5% | -3.0% | ||
| Q2 24 | 33.2% | 10.3% |
| Q1 26 | — | — | ||
| Q4 25 | 6.8% | 1.4% | ||
| Q3 25 | 1.2% | 0.7% | ||
| Q2 25 | 2.7% | 0.9% | ||
| Q1 25 | 1.3% | 0.6% | ||
| Q4 24 | 25.8% | 0.9% | ||
| Q3 24 | 8.5% | 0.0% | ||
| Q2 24 | 7.3% | 0.0% |
| Q1 26 | — | — | ||
| Q4 25 | 4.26× | 3.65× | ||
| Q3 25 | 1.20× | 1.68× | ||
| Q2 25 | 1.88× | 0.06× | ||
| Q1 25 | 1.15× | 24.80× | ||
| Q4 24 | 7.98× | 0.28× | ||
| Q3 24 | 1.60× | — | ||
| Q2 24 | 1.64× | 0.06× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CPF
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% |
