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Side-by-side financial comparison of HANMI FINANCIAL CORP (HAFC) and REGIS CORP (RGS). Click either name above to swap in a different company.
HANMI FINANCIAL CORP is the larger business by last-quarter revenue ($71.2M vs $57.1M, roughly 1.2× REGIS CORP). HANMI FINANCIAL CORP runs the higher net margin — 29.8% vs 0.8%, a 29.0% gap on every dollar of revenue. On growth, REGIS CORP posted the faster year-over-year revenue change (22.3% vs 17.1%). HANMI FINANCIAL CORP produced more free cash flow last quarter ($203.7M vs $891.0K). Over the past eight quarters, HANMI FINANCIAL CORP's revenue compounded faster (10.4% CAGR vs 7.8%).
Hanmi Bank Corporation is a community bank headquartered in Los Angeles, California, with 35 branches and eight loan production offices in California, Texas, Illinois, New York, New Jersey and Virginia.
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.
HAFC vs RGS — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $71.2M | $57.1M |
| Net Profit | $21.2M | $456.0K |
| Gross Margin | — | — |
| Operating Margin | 29.8% | 10.8% |
| Net Margin | 29.8% | 0.8% |
| Revenue YoY | 17.1% | 22.3% |
| Net Profit YoY | 20.0% | -94.0% |
| EPS (diluted) | $0.70 | $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 | $71.2M | $57.1M | ||
| Q3 25 | $71.0M | $59.0M | ||
| Q2 25 | $65.2M | $60.4M | ||
| Q1 25 | $62.8M | $57.0M | ||
| Q4 24 | $60.8M | $46.7M | ||
| Q3 24 | $58.5M | $46.1M | ||
| Q2 24 | $56.7M | $49.4M | ||
| Q1 24 | $58.4M | $49.2M |
| Q4 25 | $21.2M | $456.0K | ||
| Q3 25 | $22.1M | $1.4M | ||
| Q2 25 | $15.1M | $116.5M | ||
| Q1 25 | $17.7M | $250.0K | ||
| Q4 24 | $17.7M | $7.6M | ||
| Q3 24 | $14.9M | $-853.0K | ||
| Q2 24 | $14.5M | $91.2M | ||
| Q1 24 | $15.2M | $-2.3M |
| Q4 25 | 29.8% | 10.8% | ||
| Q3 25 | 31.1% | 10.0% | ||
| Q2 25 | 23.2% | 12.1% | ||
| Q1 25 | 28.1% | 8.8% | ||
| Q4 24 | 29.1% | 11.8% | ||
| Q3 24 | 25.5% | 4.6% | ||
| Q2 24 | 25.5% | — | ||
| Q1 24 | 26.0% | 8.3% |
| Q4 25 | 29.8% | 0.8% | ||
| Q3 25 | 31.1% | 2.3% | ||
| Q2 25 | 23.2% | 192.9% | ||
| Q1 25 | 28.1% | 0.4% | ||
| Q4 24 | 29.1% | 16.4% | ||
| Q3 24 | 25.5% | -1.9% | ||
| Q2 24 | 25.5% | 184.7% | ||
| Q1 24 | 26.0% | -4.7% |
| Q4 25 | $0.70 | $0.16 | ||
| Q3 25 | $0.73 | $0.49 | ||
| Q2 25 | $0.50 | $43.67 | ||
| Q1 25 | $0.58 | $0.08 | ||
| Q4 24 | $0.58 | $2.71 | ||
| Q3 24 | $0.49 | $-0.36 | ||
| Q2 24 | $0.48 | $38.40 | ||
| Q1 24 | $0.50 | $-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 | — | $113.3M |
| Stockholders' EquityBook value | $796.4M | $188.7M |
| Total Assets | $7.9B | $588.3M |
| Debt / EquityLower = less leverage | — | 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 | — | $111.3M | ||
| Q2 25 | — | $110.8M | ||
| Q1 25 | — | $112.0M | ||
| Q4 24 | — | $111.5M | ||
| Q3 24 | — | $95.2M | ||
| Q2 24 | — | $99.5M | ||
| Q1 24 | — | $179.7M |
| Q4 25 | $796.4M | $188.7M | ||
| Q3 25 | $779.5M | $187.6M | ||
| Q2 25 | $762.8M | $185.6M | ||
| Q1 25 | $751.5M | $68.6M | ||
| Q4 24 | $732.2M | $66.7M | ||
| Q3 24 | $736.7M | $56.4M | ||
| Q2 24 | $707.1M | $56.8M | ||
| Q1 24 | $703.1M | $-35.8M |
| Q4 25 | $7.9B | $588.3M | ||
| Q3 25 | $7.9B | $592.1M | ||
| Q2 25 | $7.9B | $599.0M | ||
| Q1 25 | $7.7B | $511.2M | ||
| Q4 24 | $7.7B | $530.1M | ||
| Q3 24 | $7.7B | $508.9M | ||
| Q2 24 | $7.6B | $530.5M | ||
| Q1 24 | $7.5B | $543.7M |
| 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× | ||
| Q1 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 | $206.0M | $1.7M |
| Free Cash FlowOCF − Capex | $203.7M | $891.0K |
| FCF MarginFCF / Revenue | 286.2% | 1.6% |
| Capex IntensityCapex / Revenue | 3.2% | 1.4% |
| Cash ConversionOCF / Net Profit | 9.70× | 3.65× |
| TTM Free Cash FlowTrailing 4 quarters | $356.1M | $14.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.0M | $1.7M | ||
| Q3 25 | $146.9M | $2.3M | ||
| Q2 25 | $-19.0M | $6.8M | ||
| Q1 25 | $25.8M | $6.2M | ||
| Q4 24 | $52.6M | $2.1M | ||
| Q3 24 | $6.7M | $-1.3M | ||
| Q2 24 | $2.1M | $5.1M | ||
| Q1 24 | $30.0M | $-277.0K |
| Q4 25 | $203.7M | $891.0K | ||
| Q3 25 | $146.4M | $1.9M | ||
| Q2 25 | $-19.6M | $6.2M | ||
| Q1 25 | $25.6M | $5.9M | ||
| Q4 24 | $49.9M | $1.7M | ||
| Q3 24 | $6.5M | $-1.4M | ||
| Q2 24 | $1.3M | $5.1M | ||
| Q1 24 | $29.2M | $-326.0K |
| Q4 25 | 286.2% | 1.6% | ||
| Q3 25 | 206.3% | 3.2% | ||
| Q2 25 | -30.0% | 10.3% | ||
| Q1 25 | 40.7% | 10.3% | ||
| Q4 24 | 82.1% | 3.6% | ||
| Q3 24 | 11.1% | -3.0% | ||
| Q2 24 | 2.3% | 10.3% | ||
| Q1 24 | 50.0% | -0.7% |
| Q4 25 | 3.2% | 1.4% | ||
| Q3 25 | 0.8% | 0.7% | ||
| Q2 25 | 0.9% | 0.9% | ||
| Q1 25 | 0.4% | 0.6% | ||
| Q4 24 | 4.3% | 0.9% | ||
| Q3 24 | 0.4% | 0.0% | ||
| Q2 24 | 1.4% | 0.0% | ||
| Q1 24 | 1.4% | 0.1% |
| Q4 25 | 9.70× | 3.65× | ||
| Q3 25 | 6.66× | 1.68× | ||
| Q2 25 | -1.26× | 0.06× | ||
| Q1 25 | 1.46× | 24.80× | ||
| Q4 24 | 2.97× | 0.28× | ||
| Q3 24 | 0.45× | — | ||
| Q2 24 | 0.14× | 0.06× | ||
| Q1 24 | 1.98× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
HAFC
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% |
