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Side-by-side financial comparison of FIRST BANCORP (FBNC) and REGIS CORP (RGS). Click either name above to swap in a different company.
FIRST BANCORP is the larger business by last-quarter revenue ($89.6M vs $57.1M, roughly 1.6× REGIS CORP). FIRST BANCORP runs the higher net margin — 22.7% vs 0.8%, a 21.9% gap on every dollar of revenue. On growth, REGIS CORP posted the faster year-over-year revenue change (22.3% vs -7.3%). FIRST BANCORP produced more free cash flow last quarter ($48.2M vs $891.0K).
First Bancorp is an American bank holding company headquartered in Southern Pines, North Carolina, that operates as First Bank in North Carolina and South Carolina.
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.
FBNC vs RGS — Head-to-Head
Income Statement — Q3 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $89.6M | $57.1M |
| Net Profit | $20.4M | $456.0K |
| Gross Margin | — | — |
| Operating Margin | 29.0% | 10.8% |
| Net Margin | 22.7% | 0.8% |
| Revenue YoY | -7.3% | 22.3% |
| Net Profit YoY | 9.0% | -94.0% |
| EPS (diluted) | $0.49 | $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 | — | $57.1M | ||
| Q3 25 | $89.6M | $59.0M | ||
| Q2 25 | $111.0M | $60.4M | ||
| Q1 25 | $105.8M | $57.0M | ||
| Q4 24 | — | $46.7M | ||
| Q3 24 | $96.6M | $46.1M | ||
| Q2 24 | $95.7M | $49.4M | ||
| Q1 24 | $92.2M | $49.2M |
| Q4 25 | — | $456.0K | ||
| Q3 25 | $20.4M | $1.4M | ||
| Q2 25 | $38.6M | $116.5M | ||
| Q1 25 | $36.4M | $250.0K | ||
| Q4 24 | — | $7.6M | ||
| Q3 24 | $18.7M | $-853.0K | ||
| Q2 24 | $28.7M | $91.2M | ||
| Q1 24 | $25.3M | $-2.3M |
| Q4 25 | — | 10.8% | ||
| Q3 25 | 29.0% | 10.0% | ||
| Q2 25 | 44.9% | 12.1% | ||
| Q1 25 | 44.2% | 8.8% | ||
| Q4 24 | — | 11.8% | ||
| Q3 24 | 23.4% | 4.6% | ||
| Q2 24 | 38.5% | — | ||
| Q1 24 | 34.5% | 8.3% |
| Q4 25 | — | 0.8% | ||
| Q3 25 | 22.7% | 2.3% | ||
| Q2 25 | 34.7% | 192.9% | ||
| Q1 25 | 34.4% | 0.4% | ||
| Q4 24 | — | 16.4% | ||
| Q3 24 | 19.3% | -1.9% | ||
| Q2 24 | 30.0% | 184.7% | ||
| Q1 24 | 27.4% | -4.7% |
| Q4 25 | — | $0.16 | ||
| Q3 25 | $0.49 | $0.49 | ||
| Q2 25 | $0.93 | $43.67 | ||
| Q1 25 | $0.88 | $0.08 | ||
| Q4 24 | — | $2.71 | ||
| Q3 24 | $0.45 | $-0.36 | ||
| Q2 24 | $0.70 | $38.40 | ||
| Q1 24 | $0.61 | $-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 | $92.4M | $113.3M |
| Stockholders' EquityBook value | $1.6B | $188.7M |
| Total Assets | $12.8B | $588.3M |
| Debt / EquityLower = less leverage | 0.06× | 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 | $92.4M | $111.3M | ||
| Q2 25 | $92.2M | $110.8M | ||
| Q1 25 | $92.1M | $112.0M | ||
| Q4 24 | — | $111.5M | ||
| Q3 24 | $91.7M | $95.2M | ||
| Q2 24 | $91.5M | $99.5M | ||
| Q1 24 | $332.3M | $179.7M |
| Q4 25 | — | $188.7M | ||
| Q3 25 | $1.6B | $187.6M | ||
| Q2 25 | $1.6B | $185.6M | ||
| Q1 25 | $1.5B | $68.6M | ||
| Q4 24 | — | $66.7M | ||
| Q3 24 | $1.5B | $56.4M | ||
| Q2 24 | $1.4B | $56.8M | ||
| Q1 24 | $1.4B | $-35.8M |
| Q4 25 | — | $588.3M | ||
| Q3 25 | $12.8B | $592.1M | ||
| Q2 25 | $12.6B | $599.0M | ||
| Q1 25 | $12.4B | $511.2M | ||
| Q4 24 | — | $530.1M | ||
| Q3 24 | $12.2B | $508.9M | ||
| Q2 24 | $12.1B | $530.5M | ||
| Q1 24 | $12.1B | $543.7M |
| Q4 25 | — | 0.60× | ||
| Q3 25 | 0.06× | 0.59× | ||
| Q2 25 | 0.06× | 0.60× | ||
| Q1 25 | 0.06× | 1.63× | ||
| Q4 24 | — | 1.67× | ||
| Q3 24 | 0.06× | 1.69× | ||
| Q2 24 | 0.07× | 1.75× | ||
| Q1 24 | 0.24× | — |
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 | $49.7M | $1.7M |
| Free Cash FlowOCF − Capex | $48.2M | $891.0K |
| FCF MarginFCF / Revenue | 53.8% | 1.6% |
| Capex IntensityCapex / Revenue | 1.6% | 1.4% |
| Cash ConversionOCF / Net Profit | 2.44× | 3.65× |
| TTM Free Cash FlowTrailing 4 quarters | $182.9M | $14.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $1.7M | ||
| Q3 25 | $49.7M | $2.3M | ||
| Q2 25 | $45.7M | $6.8M | ||
| Q1 25 | $52.6M | $6.2M | ||
| Q4 24 | — | $2.1M | ||
| Q3 24 | $38.4M | $-1.3M | ||
| Q2 24 | $87.7M | $5.1M | ||
| Q1 24 | $-20.1M | $-277.0K |
| Q4 25 | — | $891.0K | ||
| Q3 25 | $48.2M | $1.9M | ||
| Q2 25 | $44.3M | $6.2M | ||
| Q1 25 | $52.4M | $5.9M | ||
| Q4 24 | — | $1.7M | ||
| Q3 24 | $38.0M | $-1.4M | ||
| Q2 24 | $87.6M | $5.1M | ||
| Q1 24 | $-21.7M | $-326.0K |
| Q4 25 | — | 1.6% | ||
| Q3 25 | 53.8% | 3.2% | ||
| Q2 25 | 39.9% | 10.3% | ||
| Q1 25 | 49.5% | 10.3% | ||
| Q4 24 | — | 3.6% | ||
| Q3 24 | 39.3% | -3.0% | ||
| Q2 24 | 91.6% | 10.3% | ||
| Q1 24 | -23.6% | -0.7% |
| Q4 25 | — | 1.4% | ||
| Q3 25 | 1.6% | 0.7% | ||
| Q2 25 | 1.2% | 0.9% | ||
| Q1 25 | 0.2% | 0.6% | ||
| Q4 24 | — | 0.9% | ||
| Q3 24 | 0.5% | 0.0% | ||
| Q2 24 | 0.1% | 0.0% | ||
| Q1 24 | 1.8% | 0.1% |
| Q4 25 | — | 3.65× | ||
| Q3 25 | 2.44× | 1.68× | ||
| Q2 25 | 1.19× | 0.06× | ||
| Q1 25 | 1.44× | 24.80× | ||
| Q4 24 | — | 0.28× | ||
| Q3 24 | 2.06× | — | ||
| Q2 24 | 3.06× | 0.06× | ||
| Q1 24 | -0.80× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
FBNC
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% |
