vs
Side-by-side financial comparison of Finwise Bancorp (FINW) 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 $42.7M, roughly 1.3× Finwise Bancorp). Finwise Bancorp runs the higher net margin — 6.4% vs 0.8%, a 5.6% gap on every dollar of revenue. Over the past eight quarters, Finwise Bancorp's revenue compounded faster (47.0% CAGR vs 7.8%).
Finwise Bancorp is a U.S.-based financial holding company that operates primarily through its community banking subsidiary. It offers a full suite of retail and commercial financial services, including deposit accounts, personal loans, mortgage products, small business financing, and wealth management solutions, serving local retail consumers and small to medium-sized business clients across its regional operating 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.
FINW vs RGS — Head-to-Head
Income Statement — Q1 FY2026 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $42.7M | $57.1M |
| Net Profit | $2.7M | $456.0K |
| Gross Margin | — | — |
| Operating Margin | — | 10.8% |
| Net Margin | 6.4% | 0.8% |
| Revenue YoY | — | 22.3% |
| Net Profit YoY | — | -94.0% |
| EPS (diluted) | $0.20 | $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 | $42.7M | — | ||
| Q4 25 | $46.9M | $57.1M | ||
| Q3 25 | $36.7M | $59.0M | ||
| Q2 25 | $25.1M | $60.4M | ||
| Q1 25 | $22.1M | $57.0M | ||
| Q4 24 | $21.1M | $46.7M | ||
| Q3 24 | $20.8M | $46.1M | ||
| Q2 24 | $19.8M | $49.4M |
| Q1 26 | $2.7M | — | ||
| Q4 25 | $3.9M | $456.0K | ||
| Q3 25 | $4.9M | $1.4M | ||
| Q2 25 | $4.1M | $116.5M | ||
| Q1 25 | $3.2M | $250.0K | ||
| Q4 24 | $2.8M | $7.6M | ||
| Q3 24 | $3.5M | $-853.0K | ||
| Q2 24 | $3.2M | $91.2M |
| Q1 26 | — | — | ||
| Q4 25 | 11.7% | 10.8% | ||
| Q3 25 | 17.5% | 10.0% | ||
| Q2 25 | 21.7% | 12.1% | ||
| Q1 25 | 20.1% | 8.8% | ||
| Q4 24 | 17.5% | 11.8% | ||
| Q3 24 | 22.2% | 4.6% | ||
| Q2 24 | 21.1% | — |
| Q1 26 | 6.4% | — | ||
| Q4 25 | 8.4% | 0.8% | ||
| Q3 25 | 13.3% | 2.3% | ||
| Q2 25 | 16.3% | 192.9% | ||
| Q1 25 | 14.4% | 0.4% | ||
| Q4 24 | 13.2% | 16.4% | ||
| Q3 24 | 16.6% | -1.9% | ||
| Q2 24 | 16.1% | 184.7% |
| Q1 26 | $0.20 | — | ||
| Q4 25 | $0.27 | $0.16 | ||
| Q3 25 | $0.34 | $0.49 | ||
| Q2 25 | $0.29 | $43.67 | ||
| Q1 25 | $0.23 | $0.08 | ||
| Q4 24 | $0.19 | $2.71 | ||
| Q3 24 | $0.25 | $-0.36 | ||
| Q2 24 | $0.24 | $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 | $196.6M | $188.7M |
| Total Assets | $899.4M | $588.3M |
| Debt / EquityLower = less leverage | — | 0.60× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $163.4M | $18.4M | ||
| Q3 25 | $105.6M | $16.6M | ||
| Q2 25 | $90.1M | $17.0M | ||
| Q1 25 | $120.3M | $13.3M | ||
| Q4 24 | $109.2M | $10.2M | ||
| Q3 24 | $85.8M | $6.3M | ||
| Q2 24 | $89.0M | $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 | $196.6M | — | ||
| Q4 25 | $193.2M | $188.7M | ||
| Q3 25 | $187.8M | $187.6M | ||
| Q2 25 | $182.0M | $185.6M | ||
| Q1 25 | $177.4M | $68.6M | ||
| Q4 24 | $173.7M | $66.7M | ||
| Q3 24 | $170.4M | $56.4M | ||
| Q2 24 | $165.8M | $56.8M |
| Q1 26 | $899.4M | — | ||
| Q4 25 | $977.1M | $588.3M | ||
| Q3 25 | $899.9M | $592.1M | ||
| Q2 25 | $842.5M | $599.0M | ||
| Q1 25 | $804.1M | $511.2M | ||
| Q4 24 | $746.0M | $530.1M | ||
| Q3 24 | $683.0M | $508.9M | ||
| Q2 24 | $617.8M | $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 | $-28.4M | $1.7M | ||
| Q3 25 | $3.5M | $2.3M | ||
| Q2 25 | $-18.3M | $6.8M | ||
| Q1 25 | $-21.6M | $6.2M | ||
| Q4 24 | $-15.0M | $2.1M | ||
| Q3 24 | $-9.8M | $-1.3M | ||
| Q2 24 | $-7.6M | $5.1M |
| Q1 26 | — | — | ||
| Q4 25 | $-28.6M | $891.0K | ||
| Q3 25 | $3.4M | $1.9M | ||
| Q2 25 | $-19.8M | $6.2M | ||
| Q1 25 | $-23.3M | $5.9M | ||
| Q4 24 | $-16.1M | $1.7M | ||
| Q3 24 | $-13.4M | $-1.4M | ||
| Q2 24 | $-7.7M | $5.1M |
| Q1 26 | — | — | ||
| Q4 25 | -61.1% | 1.6% | ||
| Q3 25 | 9.4% | 3.2% | ||
| Q2 25 | -79.0% | 10.3% | ||
| Q1 25 | -105.3% | 10.3% | ||
| Q4 24 | -76.0% | 3.6% | ||
| Q3 24 | -64.3% | -3.0% | ||
| Q2 24 | -38.7% | 10.3% |
| Q1 26 | — | — | ||
| Q4 25 | 0.5% | 1.4% | ||
| Q3 25 | 0.1% | 0.7% | ||
| Q2 25 | 5.8% | 0.9% | ||
| Q1 25 | 7.4% | 0.6% | ||
| Q4 24 | 5.1% | 0.9% | ||
| Q3 24 | 17.2% | 0.0% | ||
| Q2 24 | 0.3% | 0.0% |
| Q1 26 | — | — | ||
| Q4 25 | -7.26× | 3.65× | ||
| Q3 25 | 0.71× | 1.68× | ||
| Q2 25 | -4.48× | 0.06× | ||
| Q1 25 | -6.78× | 24.80× | ||
| Q4 24 | -5.37× | 0.28× | ||
| Q3 24 | -2.84× | — | ||
| Q2 24 | -2.39× | 0.06× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
FINW
| Net Interest Income | $28.1M | 66% |
| Noninterest Income | $14.6M | 34% |
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
