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Side-by-side financial comparison of HORIZON BANCORP INC (HBNC) and REGIS CORP (RGS). Click either name above to swap in a different company.
HORIZON BANCORP INC is the larger business by last-quarter revenue ($63.5M vs $57.1M, roughly 1.1× REGIS CORP). HORIZON BANCORP INC runs the higher net margin — 42.4% vs 0.8%, a 41.6% gap on every dollar of revenue. On growth, REGIS CORP posted the faster year-over-year revenue change (22.3% vs 19.5%). HORIZON BANCORP INC produced more free cash flow last quarter ($74.3M vs $891.0K). Over the past eight quarters, HORIZON BANCORP INC's revenue compounded faster (9.2% CAGR vs 7.8%).
First Horizon Corporation, formerly First Tennessee Bank, is a financial services company, founded in 1864, and based in Memphis, Tennessee. Through its banking subsidiary First Horizon Bank, it provides financial services through locations in 12 states across the Southeast, a region in which it is the fourth largest regional bank.
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.
HBNC vs RGS — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $63.5M | $57.1M |
| Net Profit | $26.9M | $456.0K |
| Gross Margin | — | — |
| Operating Margin | 51.5% | 10.8% |
| Net Margin | 42.4% | 0.8% |
| Revenue YoY | 19.5% | 22.3% |
| Net Profit YoY | 347.4% | -94.0% |
| EPS (diluted) | $0.44 | $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 | $63.5M | $57.1M | ||
| Q3 25 | $58.4M | $59.0M | ||
| Q2 25 | $66.3M | $60.4M | ||
| Q1 25 | $68.8M | $57.0M | ||
| Q4 24 | $53.1M | $46.7M | ||
| Q3 24 | $58.4M | $46.1M | ||
| Q2 24 | $55.8M | $49.4M | ||
| Q1 24 | $53.2M | $49.2M |
| Q4 25 | $26.9M | $456.0K | ||
| Q3 25 | $-222.0M | $1.4M | ||
| Q2 25 | $20.6M | $116.5M | ||
| Q1 25 | $23.9M | $250.0K | ||
| Q4 24 | $-10.9M | $7.6M | ||
| Q3 24 | $18.2M | $-853.0K | ||
| Q2 24 | $14.1M | $91.2M | ||
| Q1 24 | $14.0M | $-2.3M |
| Q4 25 | 51.5% | 10.8% | ||
| Q3 25 | -490.4% | 10.0% | ||
| Q2 25 | 36.8% | 12.1% | ||
| Q1 25 | 40.8% | 8.8% | ||
| Q4 24 | -41.3% | 11.8% | ||
| Q3 24 | 31.0% | 4.6% | ||
| Q2 24 | 28.5% | — | ||
| Q1 24 | 28.8% | 8.3% |
| Q4 25 | 42.4% | 0.8% | ||
| Q3 25 | -380.2% | 2.3% | ||
| Q2 25 | 31.1% | 192.9% | ||
| Q1 25 | 34.8% | 0.4% | ||
| Q4 24 | -20.5% | 16.4% | ||
| Q3 24 | 31.1% | -1.9% | ||
| Q2 24 | 25.4% | 184.7% | ||
| Q1 24 | 26.3% | -4.7% |
| Q4 25 | $0.44 | $0.16 | ||
| Q3 25 | $-4.69 | $0.49 | ||
| Q2 25 | $0.47 | $43.67 | ||
| Q1 25 | $0.54 | $0.08 | ||
| Q4 24 | $-0.25 | $2.71 | ||
| Q3 24 | $0.41 | $-0.36 | ||
| Q2 24 | $0.32 | $38.40 | ||
| Q1 24 | $0.32 | $-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 | $139.5M | $18.4M |
| Total DebtLower is stronger | $248.6M | $113.3M |
| Stockholders' EquityBook value | $688.3M | $188.7M |
| Total Assets | $6.4B | $588.3M |
| Debt / EquityLower = less leverage | 0.36× | 0.60× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $139.5M | $18.4M | ||
| Q3 25 | $458.3M | $16.6M | ||
| Q2 25 | $137.9M | $17.0M | ||
| Q1 25 | $169.7M | $13.3M | ||
| Q4 24 | $293.4M | $10.2M | ||
| Q3 24 | $234.8M | $6.3M | ||
| Q2 24 | $146.1M | $10.1M | ||
| Q1 24 | — | $5.9M |
| Q4 25 | $248.6M | $113.3M | ||
| Q3 25 | — | $111.3M | ||
| Q2 25 | — | $110.8M | ||
| Q1 25 | — | $112.0M | ||
| Q4 24 | $1.2B | $111.5M | ||
| Q3 24 | — | $95.2M | ||
| Q2 24 | — | $99.5M | ||
| Q1 24 | — | $179.7M |
| Q4 25 | $688.3M | $188.7M | ||
| Q3 25 | $660.8M | $187.6M | ||
| Q2 25 | $790.9M | $185.6M | ||
| Q1 25 | $776.1M | $68.6M | ||
| Q4 24 | $763.6M | $66.7M | ||
| Q3 24 | $754.8M | $56.4M | ||
| Q2 24 | $726.7M | $56.8M | ||
| Q1 24 | $721.3M | $-35.8M |
| Q4 25 | $6.4B | $588.3M | ||
| Q3 25 | $6.7B | $592.1M | ||
| Q2 25 | $7.7B | $599.0M | ||
| Q1 25 | $7.6B | $511.2M | ||
| Q4 24 | $7.8B | $530.1M | ||
| Q3 24 | $7.9B | $508.9M | ||
| Q2 24 | $7.9B | $530.5M | ||
| Q1 24 | $7.9B | $543.7M |
| Q4 25 | 0.36× | 0.60× | ||
| Q3 25 | — | 0.59× | ||
| Q2 25 | — | 0.60× | ||
| Q1 25 | — | 1.63× | ||
| Q4 24 | 1.61× | 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 | $79.2M | $1.7M |
| Free Cash FlowOCF − Capex | $74.3M | $891.0K |
| FCF MarginFCF / Revenue | 117.0% | 1.6% |
| Capex IntensityCapex / Revenue | 7.8% | 1.4% |
| Cash ConversionOCF / Net Profit | 2.94× | 3.65× |
| TTM Free Cash FlowTrailing 4 quarters | $115.9M | $14.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $79.2M | $1.7M | ||
| Q3 25 | $10.9M | $2.3M | ||
| Q2 25 | $19.5M | $6.8M | ||
| Q1 25 | $15.2M | $6.2M | ||
| Q4 24 | $6.4M | $2.1M | ||
| Q3 24 | $32.3M | $-1.3M | ||
| Q2 24 | $15.9M | $5.1M | ||
| Q1 24 | $6.5M | $-277.0K |
| Q4 25 | $74.3M | $891.0K | ||
| Q3 25 | $9.4M | $1.9M | ||
| Q2 25 | $18.1M | $6.2M | ||
| Q1 25 | $14.1M | $5.9M | ||
| Q4 24 | $1.3M | $1.7M | ||
| Q3 24 | $31.0M | $-1.4M | ||
| Q2 24 | $15.1M | $5.1M | ||
| Q1 24 | $5.4M | $-326.0K |
| Q4 25 | 117.0% | 1.6% | ||
| Q3 25 | 16.1% | 3.2% | ||
| Q2 25 | 27.3% | 10.3% | ||
| Q1 25 | 20.5% | 10.3% | ||
| Q4 24 | 2.4% | 3.6% | ||
| Q3 24 | 53.1% | -3.0% | ||
| Q2 24 | 27.1% | 10.3% | ||
| Q1 24 | 10.1% | -0.7% |
| Q4 25 | 7.8% | 1.4% | ||
| Q3 25 | 2.6% | 0.7% | ||
| Q2 25 | 2.1% | 0.9% | ||
| Q1 25 | 1.6% | 0.6% | ||
| Q4 24 | 9.6% | 0.9% | ||
| Q3 24 | 2.2% | 0.0% | ||
| Q2 24 | 1.5% | 0.0% | ||
| Q1 24 | 2.2% | 0.1% |
| Q4 25 | 2.94× | 3.65× | ||
| Q3 25 | — | 1.68× | ||
| Q2 25 | 0.94× | 0.06× | ||
| Q1 25 | 0.64× | 24.80× | ||
| Q4 24 | — | 0.28× | ||
| Q3 24 | 1.78× | — | ||
| Q2 24 | 1.13× | 0.06× | ||
| Q1 24 | 0.47× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
HBNC
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% |
