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Side-by-side financial comparison of FINANCIAL INSTITUTIONS INC (FISI) and REGIS CORP (RGS). Click either name above to swap in a different company.
FINANCIAL INSTITUTIONS INC is the larger business by last-quarter revenue ($62.7M vs $57.1M, roughly 1.1× REGIS CORP). FINANCIAL INSTITUTIONS INC runs the higher net margin — 33.5% vs 0.8%, a 32.7% gap on every dollar of revenue. Over the past eight quarters, REGIS CORP's revenue compounded faster (7.8% CAGR vs -2.0%).
The Mizuho Financial Group, Inc. , known from 2000 to 2003 as Mizuho Holdings and abbreviated as MHFG or simply Mizuho, is a Japanese banking holding company headquartered in the Ōtemachi district of Chiyoda, Tokyo, Japan. The group was formed in 2000–2002 by merger of Dai-Ichi Kangyo Bank, Fuji Bank, and Industrial Bank of Japan. The name mizuho (瑞穂) literally means "abundant rice" in Japanese and "harvest" in the figurative sense.
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.
FISI vs RGS — Head-to-Head
Income Statement — Q1 FY2026 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $62.7M | $57.1M |
| Net Profit | $21.0M | $456.0K |
| Gross Margin | — | — |
| Operating Margin | — | 10.8% |
| Net Margin | 33.5% | 0.8% |
| Revenue YoY | — | 22.3% |
| Net Profit YoY | 24.3% | -94.0% |
| EPS (diluted) | $1.04 | $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 | $62.7M | — | ||
| Q4 25 | $64.1M | $57.1M | ||
| Q3 25 | $63.8M | $59.0M | ||
| Q2 25 | $59.7M | $60.4M | ||
| Q1 25 | $57.2M | $57.0M | ||
| Q4 24 | $41.6M | $46.7M | ||
| Q3 24 | $50.1M | $46.1M | ||
| Q2 24 | $65.2M | $49.4M |
| Q1 26 | $21.0M | — | ||
| Q4 25 | $20.0M | $456.0K | ||
| Q3 25 | $20.5M | $1.4M | ||
| Q2 25 | $17.5M | $116.5M | ||
| Q1 25 | $16.9M | $250.0K | ||
| Q4 24 | $-82.8M | $7.6M | ||
| Q3 24 | $13.5M | $-853.0K | ||
| Q2 24 | $25.6M | $91.2M |
| Q1 26 | — | — | ||
| Q4 25 | 37.4% | 10.8% | ||
| Q3 25 | 39.5% | 10.0% | ||
| Q2 25 | 36.0% | 12.1% | ||
| Q1 25 | 36.0% | 8.8% | ||
| Q4 24 | -276.9% | 11.8% | ||
| Q3 24 | 29.0% | 4.6% | ||
| Q2 24 | 46.2% | — |
| Q1 26 | 33.5% | — | ||
| Q4 25 | 38.3% | 0.8% | ||
| Q3 25 | 32.1% | 2.3% | ||
| Q2 25 | 29.3% | 192.9% | ||
| Q1 25 | 29.5% | 0.4% | ||
| Q4 24 | -198.9% | 16.4% | ||
| Q3 24 | 26.9% | -1.9% | ||
| Q2 24 | 39.3% | 184.7% |
| Q1 26 | $1.04 | — | ||
| Q4 25 | $0.96 | $0.16 | ||
| Q3 25 | $0.99 | $0.49 | ||
| Q2 25 | $0.85 | $43.67 | ||
| Q1 25 | $0.81 | $0.08 | ||
| Q4 24 | $-5.32 | $2.71 | ||
| Q3 24 | $0.84 | $-0.36 | ||
| Q2 24 | $1.62 | $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 | $85.5M | $18.4M |
| Total DebtLower is stronger | $114.0M | $113.3M |
| Stockholders' EquityBook value | — | $188.7M |
| Total Assets | $6.3B | $588.3M |
| Debt / EquityLower = less leverage | — | 0.60× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $85.5M | — | ||
| Q4 25 | $108.8M | $18.4M | ||
| Q3 25 | $185.9M | $16.6M | ||
| Q2 25 | $93.0M | $17.0M | ||
| Q1 25 | $167.4M | $13.3M | ||
| Q4 24 | $87.3M | $10.2M | ||
| Q3 24 | — | $6.3M | ||
| Q2 24 | — | $10.1M |
| Q1 26 | $114.0M | — | ||
| Q4 25 | $193.7M | $113.3M | ||
| Q3 25 | $115.0M | $111.3M | ||
| Q2 25 | $115.0M | $110.8M | ||
| Q1 25 | $124.9M | $112.0M | ||
| Q4 24 | $124.8M | $111.5M | ||
| Q3 24 | $124.8M | $95.2M | ||
| Q2 24 | $124.7M | $99.5M |
| Q1 26 | — | — | ||
| Q4 25 | $628.9M | $188.7M | ||
| Q3 25 | $621.7M | $187.6M | ||
| Q2 25 | $601.7M | $185.6M | ||
| Q1 25 | $589.9M | $68.6M | ||
| Q4 24 | $569.0M | $66.7M | ||
| Q3 24 | $500.3M | $56.4M | ||
| Q2 24 | $467.7M | $56.8M |
| Q1 26 | $6.3B | — | ||
| Q4 25 | $6.3B | $588.3M | ||
| Q3 25 | $6.3B | $592.1M | ||
| Q2 25 | $6.1B | $599.0M | ||
| Q1 25 | $6.3B | $511.2M | ||
| Q4 24 | $6.1B | $530.1M | ||
| Q3 24 | $6.2B | $508.9M | ||
| Q2 24 | $6.1B | $530.5M |
| Q1 26 | — | — | ||
| Q4 25 | 0.31× | 0.60× | ||
| Q3 25 | 0.18× | 0.59× | ||
| Q2 25 | 0.19× | 0.60× | ||
| Q1 25 | 0.21× | 1.63× | ||
| Q4 24 | 0.22× | 1.67× | ||
| Q3 24 | 0.25× | 1.69× | ||
| Q2 24 | 0.27× | 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 | $18.8M | $1.7M | ||
| Q3 25 | $-6.9M | $2.3M | ||
| Q2 25 | $-5.7M | $6.8M | ||
| Q1 25 | $10.0M | $6.2M | ||
| Q4 24 | $77.1M | $2.1M | ||
| Q3 24 | $2.1M | $-1.3M | ||
| Q2 24 | $35.7M | $5.1M |
| Q1 26 | — | — | ||
| Q4 25 | $13.3M | $891.0K | ||
| Q3 25 | $-7.9M | $1.9M | ||
| Q2 25 | $-7.3M | $6.2M | ||
| Q1 25 | $9.2M | $5.9M | ||
| Q4 24 | $72.2M | $1.7M | ||
| Q3 24 | $-299.0K | $-1.4M | ||
| Q2 24 | $34.7M | $5.1M |
| Q1 26 | — | — | ||
| Q4 25 | 20.7% | 1.6% | ||
| Q3 25 | -12.4% | 3.2% | ||
| Q2 25 | -12.3% | 10.3% | ||
| Q1 25 | 16.1% | 10.3% | ||
| Q4 24 | 173.3% | 3.6% | ||
| Q3 24 | -0.6% | -3.0% | ||
| Q2 24 | 53.3% | 10.3% |
| Q1 26 | — | — | ||
| Q4 25 | 8.7% | 1.4% | ||
| Q3 25 | 1.6% | 0.7% | ||
| Q2 25 | 2.7% | 0.9% | ||
| Q1 25 | 1.4% | 0.6% | ||
| Q4 24 | 11.9% | 0.9% | ||
| Q3 24 | 4.9% | 0.0% | ||
| Q2 24 | 1.5% | 0.0% |
| Q1 26 | — | — | ||
| Q4 25 | 0.94× | 3.65× | ||
| Q3 25 | -0.34× | 1.68× | ||
| Q2 25 | -0.33× | 0.06× | ||
| Q1 25 | 0.59× | 24.80× | ||
| Q4 24 | — | 0.28× | ||
| Q3 24 | 0.16× | — | ||
| Q2 24 | 1.39× | 0.06× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
FISI
| Net Interest Income | $52.0M | 83% |
| Noninterest Income | $10.7M | 17% |
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
