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Side-by-side financial comparison of MetroCity Bankshares, Inc. (MCBS) 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 $43.7M, roughly 1.3× MetroCity Bankshares, Inc.). MetroCity Bankshares, Inc. runs the higher net margin — 50.5% vs 0.8%, a 49.7% gap on every dollar of revenue. On growth, MetroCity Bankshares, Inc. posted the faster year-over-year revenue change (23.6% vs 22.3%). MetroCity Bankshares, Inc. produced more free cash flow last quarter ($37.0M vs $891.0K). Over the past eight quarters, MetroCity Bankshares, Inc.'s revenue compounded faster (15.7% CAGR vs 7.8%).
Metro City Bank is a Korean-American bank based in Doraville, Georgia and offers personal and commercial banking services. It is the largest Korean-American bank to not be based out of Los Angeles, California. It currently operates a total of 19 branches in Texas, New York, New Jersey, Virginia, Georgia, Alabama, and Florida.
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.
MCBS vs RGS — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $43.7M | $57.1M |
| Net Profit | $18.1M | $456.0K |
| Gross Margin | — | — |
| Operating Margin | 52.8% | 10.8% |
| Net Margin | 50.5% | 0.8% |
| Revenue YoY | 23.6% | 22.3% |
| Net Profit YoY | 11.7% | -94.0% |
| EPS (diluted) | $0.69 | $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 | $43.7M | $57.1M | ||
| Q3 25 | $38.0M | $59.0M | ||
| Q2 25 | $37.9M | $60.4M | ||
| Q1 25 | $36.0M | $57.0M | ||
| Q4 24 | $35.4M | $46.7M | ||
| Q3 24 | $36.9M | $46.1M | ||
| Q2 24 | $36.3M | $49.4M | ||
| Q1 24 | $32.7M | $49.2M |
| Q4 25 | $18.1M | $456.0K | ||
| Q3 25 | $17.3M | $1.4M | ||
| Q2 25 | $16.8M | $116.5M | ||
| Q1 25 | $16.3M | $250.0K | ||
| Q4 24 | $16.2M | $7.6M | ||
| Q3 24 | $16.7M | $-853.0K | ||
| Q2 24 | $16.9M | $91.2M | ||
| Q1 24 | $14.6M | $-2.3M |
| Q4 25 | 52.8% | 10.8% | ||
| Q3 25 | 62.8% | 10.0% | ||
| Q2 25 | 62.4% | 12.1% | ||
| Q1 25 | 61.3% | 8.8% | ||
| Q4 24 | 58.9% | 11.8% | ||
| Q3 24 | 61.4% | 4.6% | ||
| Q2 24 | 64.4% | — | ||
| Q1 24 | 62.6% | 8.3% |
| Q4 25 | 50.5% | 0.8% | ||
| Q3 25 | 45.5% | 2.3% | ||
| Q2 25 | 44.4% | 192.9% | ||
| Q1 25 | 45.3% | 0.4% | ||
| Q4 24 | 54.0% | 16.4% | ||
| Q3 24 | 45.3% | -1.9% | ||
| Q2 24 | 46.7% | 184.7% | ||
| Q1 24 | 44.8% | -4.7% |
| Q4 25 | $0.69 | $0.16 | ||
| Q3 25 | $0.67 | $0.49 | ||
| Q2 25 | $0.65 | $43.67 | ||
| Q1 25 | $0.63 | $0.08 | ||
| Q4 24 | $0.64 | $2.71 | ||
| Q3 24 | $0.65 | $-0.36 | ||
| Q2 24 | $0.66 | $38.40 | ||
| Q1 24 | $0.57 | $-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 | $383.7M | $18.4M |
| Total DebtLower is stronger | — | $113.3M |
| Stockholders' EquityBook value | $544.2M | $188.7M |
| Total Assets | $4.8B | $588.3M |
| Debt / EquityLower = less leverage | — | 0.60× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $383.7M | $18.4M | ||
| Q3 25 | $227.2M | $16.6M | ||
| Q2 25 | $286.0M | $17.0M | ||
| Q1 25 | $285.1M | $13.3M | ||
| Q4 24 | $249.9M | $10.2M | ||
| Q3 24 | $291.2M | $6.3M | ||
| Q2 24 | $327.9M | $10.1M | ||
| Q1 24 | $258.8M | $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 | $544.2M | $188.7M | ||
| Q3 25 | $445.9M | $187.6M | ||
| Q2 25 | $436.1M | $185.6M | ||
| Q1 25 | $428.0M | $68.6M | ||
| Q4 24 | $421.4M | $66.7M | ||
| Q3 24 | $407.2M | $56.4M | ||
| Q2 24 | $407.2M | $56.8M | ||
| Q1 24 | $396.6M | $-35.8M |
| Q4 25 | $4.8B | $588.3M | ||
| Q3 25 | $3.6B | $592.1M | ||
| Q2 25 | $3.6B | $599.0M | ||
| Q1 25 | $3.7B | $511.2M | ||
| Q4 24 | $3.6B | $530.1M | ||
| Q3 24 | $3.6B | $508.9M | ||
| Q2 24 | $3.6B | $530.5M | ||
| Q1 24 | $3.6B | $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 | $37.7M | $1.7M |
| Free Cash FlowOCF − Capex | $37.0M | $891.0K |
| FCF MarginFCF / Revenue | 84.7% | 1.6% |
| Capex IntensityCapex / Revenue | 1.5% | 1.4% |
| Cash ConversionOCF / Net Profit | 2.08× | 3.65× |
| TTM Free Cash FlowTrailing 4 quarters | $79.4M | $14.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $37.7M | $1.7M | ||
| Q3 25 | $16.5M | $2.3M | ||
| Q2 25 | $14.5M | $6.8M | ||
| Q1 25 | $11.9M | $6.2M | ||
| Q4 24 | $63.5M | $2.1M | ||
| Q3 24 | $-11.5M | $-1.3M | ||
| Q2 24 | $19.4M | $5.1M | ||
| Q1 24 | $36.4M | $-277.0K |
| Q4 25 | $37.0M | $891.0K | ||
| Q3 25 | $16.2M | $1.9M | ||
| Q2 25 | $14.3M | $6.2M | ||
| Q1 25 | $11.8M | $5.9M | ||
| Q4 24 | $62.2M | $1.7M | ||
| Q3 24 | $-11.8M | $-1.4M | ||
| Q2 24 | $19.0M | $5.1M | ||
| Q1 24 | $36.1M | $-326.0K |
| Q4 25 | 84.7% | 1.6% | ||
| Q3 25 | 42.7% | 3.2% | ||
| Q2 25 | 37.8% | 10.3% | ||
| Q1 25 | 32.9% | 10.3% | ||
| Q4 24 | 175.8% | 3.6% | ||
| Q3 24 | -31.9% | -3.0% | ||
| Q2 24 | 52.4% | 10.3% | ||
| Q1 24 | 110.6% | -0.7% |
| Q4 25 | 1.5% | 1.4% | ||
| Q3 25 | 0.7% | 0.7% | ||
| Q2 25 | 0.3% | 0.9% | ||
| Q1 25 | 0.2% | 0.6% | ||
| Q4 24 | 3.6% | 0.9% | ||
| Q3 24 | 0.8% | 0.0% | ||
| Q2 24 | 1.0% | 0.0% | ||
| Q1 24 | 0.7% | 0.1% |
| Q4 25 | 2.08× | 3.65× | ||
| Q3 25 | 0.95× | 1.68× | ||
| Q2 25 | 0.86× | 0.06× | ||
| Q1 25 | 0.73× | 24.80× | ||
| Q4 24 | 3.91× | 0.28× | ||
| Q3 24 | -0.69× | — | ||
| Q2 24 | 1.14× | 0.06× | ||
| Q1 24 | 2.49× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
MCBS
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% |
