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Side-by-side financial comparison of FARMERS NATIONAL BANC CORP (FMNB) and REGIS CORP (RGS). Click either name above to swap in a different company.
FARMERS NATIONAL BANC CORP is the larger business by last-quarter revenue ($71.5M vs $57.1M, roughly 1.3× REGIS CORP). FARMERS NATIONAL BANC CORP runs the higher net margin — 20.5% vs 0.8%, a 19.7% gap on every dollar of revenue. On growth, REGIS CORP posted the faster year-over-year revenue change (22.3% vs 3.2%). FARMERS NATIONAL BANC CORP produced more free cash flow last quarter ($52.2M vs $891.0K). Over the past eight quarters, REGIS CORP's revenue compounded faster (7.8% CAGR vs 6.2%).
Farmers National Banc Corp (OH) is a regional financial holding company based in Ohio, the United States. It offers full-spectrum retail and commercial banking products, wealth management solutions, and insurance services, primarily catering to individual consumers, small and medium-sized enterprises, and local community clients in Ohio and adjacent Midwestern U.S. regions.
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.
FMNB vs RGS — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $71.5M | $57.1M |
| Net Profit | $14.6M | $456.0K |
| Gross Margin | — | — |
| Operating Margin | 24.8% | 10.8% |
| Net Margin | 20.5% | 0.8% |
| Revenue YoY | 3.2% | 22.3% |
| Net Profit YoY | 1.7% | -94.0% |
| EPS (diluted) | $0.39 | $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 | $71.5M | $57.1M | ||
| Q3 25 | $70.8M | $59.0M | ||
| Q2 25 | $69.8M | $60.4M | ||
| Q1 25 | $67.8M | $57.0M | ||
| Q4 24 | $69.3M | $46.7M | ||
| Q3 24 | $70.3M | $46.1M | ||
| Q2 24 | $66.5M | $49.4M | ||
| Q1 24 | $63.4M | $49.2M |
| Q4 25 | $14.6M | $456.0K | ||
| Q3 25 | $12.5M | $1.4M | ||
| Q2 25 | $13.9M | $116.5M | ||
| Q1 25 | $13.6M | $250.0K | ||
| Q4 24 | $14.4M | $7.6M | ||
| Q3 24 | $8.5M | $-853.0K | ||
| Q2 24 | $11.8M | $91.2M | ||
| Q1 24 | $11.2M | $-2.3M |
| Q4 25 | 24.8% | 10.8% | ||
| Q3 25 | 20.7% | 10.0% | ||
| Q2 25 | 23.4% | 12.1% | ||
| Q1 25 | 24.1% | 8.8% | ||
| Q4 24 | 25.5% | 11.8% | ||
| Q3 24 | 14.4% | 4.6% | ||
| Q2 24 | 21.3% | — | ||
| Q1 24 | 21.2% | 8.3% |
| Q4 25 | 20.5% | 0.8% | ||
| Q3 25 | 17.6% | 2.3% | ||
| Q2 25 | 19.9% | 192.9% | ||
| Q1 25 | 20.0% | 0.4% | ||
| Q4 24 | 20.8% | 16.4% | ||
| Q3 24 | 12.1% | -1.9% | ||
| Q2 24 | 17.7% | 184.7% | ||
| Q1 24 | 17.7% | -4.7% |
| Q4 25 | $0.39 | $0.16 | ||
| Q3 25 | $0.33 | $0.49 | ||
| Q2 25 | $0.37 | $43.67 | ||
| Q1 25 | $0.36 | $0.08 | ||
| Q4 24 | $0.38 | $2.71 | ||
| Q3 24 | $0.23 | $-0.36 | ||
| Q2 24 | $0.31 | $38.40 | ||
| Q1 24 | $0.30 | $-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 | $86.7M | $113.3M |
| Stockholders' EquityBook value | $485.7M | $188.7M |
| Total Assets | $5.2B | $588.3M |
| Debt / EquityLower = less leverage | 0.18× | 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 | $86.7M | $113.3M | ||
| Q3 25 | $86.6M | $111.3M | ||
| Q2 25 | $86.4M | $110.8M | ||
| Q1 25 | $86.3M | $112.0M | ||
| Q4 24 | $86.2M | $111.5M | ||
| Q3 24 | $86.0M | $95.2M | ||
| Q2 24 | $88.9M | $99.5M | ||
| Q1 24 | $88.8M | $179.7M |
| Q4 25 | $485.7M | $188.7M | ||
| Q3 25 | $465.9M | $187.6M | ||
| Q2 25 | $437.7M | $185.6M | ||
| Q1 25 | $429.1M | $68.6M | ||
| Q4 24 | $406.0M | $66.7M | ||
| Q3 24 | $439.7M | $56.4M | ||
| Q2 24 | $396.7M | $56.8M | ||
| Q1 24 | $397.0M | $-35.8M |
| Q4 25 | $5.2B | $588.3M | ||
| Q3 25 | $5.2B | $592.1M | ||
| Q2 25 | $5.2B | $599.0M | ||
| Q1 25 | $5.2B | $511.2M | ||
| Q4 24 | $5.1B | $530.1M | ||
| Q3 24 | $5.2B | $508.9M | ||
| Q2 24 | $5.2B | $530.5M | ||
| Q1 24 | $5.1B | $543.7M |
| Q4 25 | 0.18× | 0.60× | ||
| Q3 25 | 0.19× | 0.59× | ||
| Q2 25 | 0.20× | 0.60× | ||
| Q1 25 | 0.20× | 1.63× | ||
| Q4 24 | 0.21× | 1.67× | ||
| Q3 24 | 0.20× | 1.69× | ||
| Q2 24 | 0.22× | 1.75× | ||
| Q1 24 | 0.22× | — |
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 | $60.0M | $1.7M |
| Free Cash FlowOCF − Capex | $52.2M | $891.0K |
| FCF MarginFCF / Revenue | 73.0% | 1.6% |
| Capex IntensityCapex / Revenue | 11.0% | 1.4% |
| Cash ConversionOCF / Net Profit | 4.10× | 3.65× |
| TTM Free Cash FlowTrailing 4 quarters | $85.8M | $14.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $60.0M | $1.7M | ||
| Q3 25 | $10.7M | $2.3M | ||
| Q2 25 | $14.0M | $6.8M | ||
| Q1 25 | $15.7M | $6.2M | ||
| Q4 24 | $66.6M | $2.1M | ||
| Q3 24 | $23.9M | $-1.3M | ||
| Q2 24 | $16.6M | $5.1M | ||
| Q1 24 | $13.7M | $-277.0K |
| Q4 25 | $52.2M | $891.0K | ||
| Q3 25 | $9.0M | $1.9M | ||
| Q2 25 | $12.4M | $6.2M | ||
| Q1 25 | $12.2M | $5.9M | ||
| Q4 24 | $54.9M | $1.7M | ||
| Q3 24 | $20.4M | $-1.4M | ||
| Q2 24 | $14.4M | $5.1M | ||
| Q1 24 | $12.2M | $-326.0K |
| Q4 25 | 73.0% | 1.6% | ||
| Q3 25 | 12.8% | 3.2% | ||
| Q2 25 | 17.8% | 10.3% | ||
| Q1 25 | 18.0% | 10.3% | ||
| Q4 24 | 79.2% | 3.6% | ||
| Q3 24 | 29.1% | -3.0% | ||
| Q2 24 | 21.6% | 10.3% | ||
| Q1 24 | 19.2% | -0.7% |
| Q4 25 | 11.0% | 1.4% | ||
| Q3 25 | 2.4% | 0.7% | ||
| Q2 25 | 2.3% | 0.9% | ||
| Q1 25 | 5.2% | 0.6% | ||
| Q4 24 | 16.9% | 0.9% | ||
| Q3 24 | 4.9% | 0.0% | ||
| Q2 24 | 3.3% | 0.0% | ||
| Q1 24 | 2.4% | 0.1% |
| Q4 25 | 4.10× | 3.65× | ||
| Q3 25 | 0.86× | 1.68× | ||
| Q2 25 | 1.01× | 0.06× | ||
| Q1 25 | 1.15× | 24.80× | ||
| Q4 24 | 4.63× | 0.28× | ||
| Q3 24 | 2.80× | — | ||
| Q2 24 | 1.41× | 0.06× | ||
| Q1 24 | 1.22× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
FMNB
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% |
