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Side-by-side financial comparison of NB Bancorp, Inc. (NBBK) and REGIS CORP (RGS). Click either name above to swap in a different company.
NB Bancorp, Inc. is the larger business by last-quarter revenue ($63.4M vs $57.1M, roughly 1.1× REGIS CORP). NB Bancorp, Inc. runs the higher net margin — 12.2% vs 0.8%, a 11.4% gap on every dollar of revenue. On growth, NB Bancorp, Inc. posted the faster year-over-year revenue change (33.9% vs 22.3%). NB Bancorp, Inc. produced more free cash flow last quarter ($57.4M vs $891.0K). Over the past eight quarters, NB Bancorp, Inc.'s revenue compounded faster (22.6% CAGR vs 7.8%).
NB Bancorp, Inc. is a U.S.-based bank holding company operating through its fully owned banking subsidiary. It provides a full range of retail and commercial banking services including various deposit products, consumer loans, residential mortgages, and small business financing solutions, primarily catering to individual and small-to-mid-sized enterprise customers across the New York metropolitan area.
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.
NBBK vs RGS — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $63.4M | $57.1M |
| Net Profit | $7.7M | $456.0K |
| Gross Margin | — | — |
| Operating Margin | 23.5% | 10.8% |
| Net Margin | 12.2% | 0.8% |
| Revenue YoY | 33.9% | 22.3% |
| Net Profit YoY | -50.6% | -94.0% |
| EPS (diluted) | $0.19 | $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 | $63.4M | $57.1M | ||
| Q3 25 | $51.7M | $59.0M | ||
| Q2 25 | $51.2M | $60.4M | ||
| Q1 25 | $47.4M | $57.0M | ||
| Q4 24 | $47.3M | $46.7M | ||
| Q3 24 | $42.6M | $46.1M | ||
| Q2 24 | $41.7M | $49.4M | ||
| Q1 24 | $42.1M | $49.2M |
| Q4 25 | $7.7M | $456.0K | ||
| Q3 25 | $15.4M | $1.4M | ||
| Q2 25 | $14.6M | $116.5M | ||
| Q1 25 | $12.7M | $250.0K | ||
| Q4 24 | $15.6M | $7.6M | ||
| Q3 24 | $8.4M | $-853.0K | ||
| Q2 24 | $9.5M | $91.2M | ||
| Q1 24 | $8.7M | $-2.3M |
| Q4 25 | 23.5% | 10.8% | ||
| Q3 25 | 38.6% | 10.0% | ||
| Q2 25 | 36.6% | 12.1% | ||
| Q1 25 | 37.1% | 8.8% | ||
| Q4 24 | 40.7% | 11.8% | ||
| Q3 24 | 36.1% | 4.6% | ||
| Q2 24 | 28.3% | — | ||
| Q1 24 | 28.8% | 8.3% |
| Q4 25 | 12.2% | 0.8% | ||
| Q3 25 | 29.7% | 2.3% | ||
| Q2 25 | 28.5% | 192.9% | ||
| Q1 25 | 26.7% | 0.4% | ||
| Q4 24 | 33.0% | 16.4% | ||
| Q3 24 | 19.7% | -1.9% | ||
| Q2 24 | 22.7% | 184.7% | ||
| Q1 24 | 20.7% | -4.7% |
| Q4 25 | $0.19 | $0.16 | ||
| Q3 25 | $0.43 | $0.49 | ||
| Q2 25 | $0.39 | $43.67 | ||
| Q1 25 | $0.33 | $0.08 | ||
| Q4 24 | $0.40 | $2.71 | ||
| Q3 24 | $0.21 | $-0.36 | ||
| Q2 24 | $0.24 | $38.40 | ||
| Q1 24 | $0.22 | $-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 | $858.9M | $188.7M |
| Total Assets | $7.0B | $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 | $858.9M | $188.7M | ||
| Q3 25 | $737.0M | $187.6M | ||
| Q2 25 | $737.1M | $185.6M | ||
| Q1 25 | $739.6M | $68.6M | ||
| Q4 24 | $765.2M | $66.7M | ||
| Q3 24 | $747.4M | $56.4M | ||
| Q2 24 | $734.3M | $56.8M | ||
| Q1 24 | $733.8M | $-35.8M |
| Q4 25 | $7.0B | $588.3M | ||
| Q3 25 | $5.4B | $592.1M | ||
| Q2 25 | $5.2B | $599.0M | ||
| Q1 25 | $5.2B | $511.2M | ||
| Q4 24 | $5.2B | $530.1M | ||
| Q3 24 | $5.0B | $508.9M | ||
| Q2 24 | $4.8B | $530.5M | ||
| Q1 24 | $4.7B | $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 | $60.8M | $1.7M |
| Free Cash FlowOCF − Capex | $57.4M | $891.0K |
| FCF MarginFCF / Revenue | 90.6% | 1.6% |
| Capex IntensityCapex / Revenue | 5.4% | 1.4% |
| Cash ConversionOCF / Net Profit | 7.89× | 3.65× |
| TTM Free Cash FlowTrailing 4 quarters | $117.2M | $14.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $60.8M | $1.7M | ||
| Q3 25 | $24.2M | $2.3M | ||
| Q2 25 | $27.0M | $6.8M | ||
| Q1 25 | $9.9M | $6.2M | ||
| Q4 24 | $43.2M | $2.1M | ||
| Q3 24 | $8.6M | $-1.3M | ||
| Q2 24 | $24.7M | $5.1M | ||
| Q1 24 | $-11.4M | $-277.0K |
| Q4 25 | $57.4M | $891.0K | ||
| Q3 25 | $23.9M | $1.9M | ||
| Q2 25 | $26.1M | $6.2M | ||
| Q1 25 | $9.8M | $5.9M | ||
| Q4 24 | $41.3M | $1.7M | ||
| Q3 24 | $8.4M | $-1.4M | ||
| Q2 24 | $23.8M | $5.1M | ||
| Q1 24 | $-11.7M | $-326.0K |
| Q4 25 | 90.6% | 1.6% | ||
| Q3 25 | 46.3% | 3.2% | ||
| Q2 25 | 51.0% | 10.3% | ||
| Q1 25 | 20.8% | 10.3% | ||
| Q4 24 | 87.2% | 3.6% | ||
| Q3 24 | 19.7% | -3.0% | ||
| Q2 24 | 57.1% | 10.3% | ||
| Q1 24 | -27.7% | -0.7% |
| Q4 25 | 5.4% | 1.4% | ||
| Q3 25 | 0.6% | 0.7% | ||
| Q2 25 | 1.9% | 0.9% | ||
| Q1 25 | 0.2% | 0.6% | ||
| Q4 24 | 4.1% | 0.9% | ||
| Q3 24 | 0.5% | 0.0% | ||
| Q2 24 | 2.1% | 0.0% | ||
| Q1 24 | 0.6% | 0.1% |
| Q4 25 | 7.89× | 3.65× | ||
| Q3 25 | 1.58× | 1.68× | ||
| Q2 25 | 1.85× | 0.06× | ||
| Q1 25 | 0.79× | 24.80× | ||
| Q4 24 | 2.77× | 0.28× | ||
| Q3 24 | 1.03× | — | ||
| Q2 24 | 2.61× | 0.06× | ||
| Q1 24 | -1.31× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
NBBK
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% |
