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Side-by-side financial comparison of MID PENN BANCORP INC (MPB) and REGIS CORP (RGS). Click either name above to swap in a different company.
MID PENN BANCORP INC is the larger business by last-quarter revenue ($62.0M vs $57.1M, roughly 1.1× REGIS CORP). MID PENN BANCORP INC runs the higher net margin — 31.4% vs 0.8%, a 30.6% gap on every dollar of revenue. On growth, MID PENN BANCORP INC posted the faster year-over-year revenue change (30.8% vs 22.3%). MID PENN BANCORP INC produced more free cash flow last quarter ($71.8M vs $891.0K). Over the past eight quarters, MID PENN BANCORP INC's revenue compounded faster (21.1% CAGR vs 7.8%).
Commerce Bancorp was a Cherry Hill, New Jersey–based bank created in 1973. In 2007, it was purchased by Toronto-Dominion Bank, which merged Commerce into TD Banknorth, the latter of which was rebranded to TD 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.
MPB vs RGS — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $62.0M | $57.1M |
| Net Profit | $19.4M | $456.0K |
| Gross Margin | — | — |
| Operating Margin | 43.6% | 10.8% |
| Net Margin | 31.4% | 0.8% |
| Revenue YoY | 30.8% | 22.3% |
| Net Profit YoY | 47.0% | -94.0% |
| EPS (diluted) | $0.83 | $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 | $62.0M | $57.1M | ||
| Q3 25 | $61.8M | $59.0M | ||
| Q2 25 | $54.3M | $60.4M | ||
| Q1 25 | $47.7M | $57.0M | ||
| Q4 24 | $47.4M | $46.7M | ||
| Q3 24 | $45.3M | $46.1M | ||
| Q2 24 | $44.1M | $49.4M | ||
| Q1 24 | $42.3M | $49.2M |
| Q4 25 | $19.4M | $456.0K | ||
| Q3 25 | $18.3M | $1.4M | ||
| Q2 25 | $4.8M | $116.5M | ||
| Q1 25 | $13.7M | $250.0K | ||
| Q4 24 | $13.2M | $7.6M | ||
| Q3 24 | $12.3M | $-853.0K | ||
| Q2 24 | $11.8M | $91.2M | ||
| Q1 24 | $12.1M | $-2.3M |
| Q4 25 | 43.6% | 10.8% | ||
| Q3 25 | 39.3% | 10.0% | ||
| Q2 25 | 7.9% | 12.1% | ||
| Q1 25 | 35.2% | 8.8% | ||
| Q4 24 | 34.1% | 11.8% | ||
| Q3 24 | 32.8% | 4.6% | ||
| Q2 24 | 32.4% | — | ||
| Q1 24 | 34.8% | 8.3% |
| Q4 25 | 31.4% | 0.8% | ||
| Q3 25 | 29.6% | 2.3% | ||
| Q2 25 | 8.8% | 192.9% | ||
| Q1 25 | 28.8% | 0.4% | ||
| Q4 24 | 27.9% | 16.4% | ||
| Q3 24 | 27.1% | -1.9% | ||
| Q2 24 | 26.7% | 184.7% | ||
| Q1 24 | 28.7% | -4.7% |
| Q4 25 | $0.83 | $0.16 | ||
| Q3 25 | $0.79 | $0.49 | ||
| Q2 25 | $0.22 | $43.67 | ||
| Q1 25 | $0.71 | $0.08 | ||
| Q4 24 | $0.72 | $2.71 | ||
| Q3 24 | $0.74 | $-0.36 | ||
| Q2 24 | $0.71 | $38.40 | ||
| Q1 24 | $0.73 | $-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 | $814.1M | $188.7M |
| Total Assets | $6.1B | $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 | $814.1M | $188.7M | ||
| Q3 25 | $796.3M | $187.6M | ||
| Q2 25 | $775.7M | $185.6M | ||
| Q1 25 | $667.9M | $68.6M | ||
| Q4 24 | $655.0M | $66.7M | ||
| Q3 24 | $573.1M | $56.4M | ||
| Q2 24 | $559.7M | $56.8M | ||
| Q1 24 | $551.0M | $-35.8M |
| Q4 25 | $6.1B | $588.3M | ||
| Q3 25 | $6.3B | $592.1M | ||
| Q2 25 | $6.4B | $599.0M | ||
| Q1 25 | $5.5B | $511.2M | ||
| Q4 24 | $5.5B | $530.1M | ||
| Q3 24 | $5.5B | $508.9M | ||
| Q2 24 | $5.4B | $530.5M | ||
| Q1 24 | $5.3B | $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 | $80.0M | $1.7M |
| Free Cash FlowOCF − Capex | $71.8M | $891.0K |
| FCF MarginFCF / Revenue | 115.8% | 1.6% |
| Capex IntensityCapex / Revenue | 13.3% | 1.4% |
| Cash ConversionOCF / Net Profit | 4.12× | 3.65× |
| TTM Free Cash FlowTrailing 4 quarters | $132.1M | $14.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $80.0M | $1.7M | ||
| Q3 25 | $26.3M | $2.3M | ||
| Q2 25 | $29.0M | $6.8M | ||
| Q1 25 | $11.5M | $6.2M | ||
| Q4 24 | $51.4M | $2.1M | ||
| Q3 24 | $16.9M | $-1.3M | ||
| Q2 24 | $18.0M | $5.1M | ||
| Q1 24 | $12.4M | $-277.0K |
| Q4 25 | $71.8M | $891.0K | ||
| Q3 25 | $24.3M | $1.9M | ||
| Q2 25 | $27.2M | $6.2M | ||
| Q1 25 | $8.8M | $5.9M | ||
| Q4 24 | $44.5M | $1.7M | ||
| Q3 24 | $16.8M | $-1.4M | ||
| Q2 24 | $17.7M | $5.1M | ||
| Q1 24 | $12.1M | $-326.0K |
| Q4 25 | 115.8% | 1.6% | ||
| Q3 25 | 39.4% | 3.2% | ||
| Q2 25 | 50.1% | 10.3% | ||
| Q1 25 | 18.4% | 10.3% | ||
| Q4 24 | 93.8% | 3.6% | ||
| Q3 24 | 37.1% | -3.0% | ||
| Q2 24 | 40.2% | 10.3% | ||
| Q1 24 | 28.5% | -0.7% |
| Q4 25 | 13.3% | 1.4% | ||
| Q3 25 | 3.1% | 0.7% | ||
| Q2 25 | 3.2% | 0.9% | ||
| Q1 25 | 5.7% | 0.6% | ||
| Q4 24 | 14.6% | 0.9% | ||
| Q3 24 | 0.0% | 0.0% | ||
| Q2 24 | 0.7% | 0.0% | ||
| Q1 24 | 0.8% | 0.1% |
| Q4 25 | 4.12× | 3.65× | ||
| Q3 25 | 1.44× | 1.68× | ||
| Q2 25 | 6.08× | 0.06× | ||
| Q1 25 | 0.84× | 24.80× | ||
| Q4 24 | 3.88× | 0.28× | ||
| Q3 24 | 1.37× | — | ||
| Q2 24 | 1.53× | 0.06× | ||
| Q1 24 | 1.02× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
MPB
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% |
