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Side-by-side financial comparison of Northfield Bancorp, Inc. (NFBK) 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 $41.3M, roughly 1.4× Northfield Bancorp, Inc.). REGIS CORP runs the higher net margin — 0.8% vs -1545.5%, a 1546.3% gap on every dollar of revenue. On growth, REGIS CORP posted the faster year-over-year revenue change (22.3% vs 12.7%). Northfield Bancorp, Inc. produced more free cash flow last quarter ($52.5M vs $891.0K). Over the past eight quarters, Northfield Bancorp, Inc.'s revenue compounded faster (15.0% CAGR vs 7.8%).
Northfield Bancorp, Inc. is a regional bank holding company based in the United States, operating primarily across the U.S. Northeast region. It provides a full range of personal and commercial banking services including deposit accounts, mortgage loans, commercial lending, and wealth management solutions for retail consumers, small to medium-sized businesses and local community clients.
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.
NFBK vs RGS — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $41.3M | $57.1M |
| Net Profit | $-27.4M | $456.0K |
| Gross Margin | — | — |
| Operating Margin | -1263.3% | 10.8% |
| Net Margin | -1545.5% | 0.8% |
| Revenue YoY | 12.7% | 22.3% |
| Net Profit YoY | -343.6% | -94.0% |
| EPS (diluted) | $-0.68 | $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 | $41.3M | $57.1M | ||
| Q3 25 | $39.2M | $59.0M | ||
| Q2 25 | $38.9M | $60.4M | ||
| Q1 25 | $34.8M | $57.0M | ||
| Q4 24 | $36.7M | $46.7M | ||
| Q3 24 | $31.8M | $46.1M | ||
| Q2 24 | $31.5M | $49.4M | ||
| Q1 24 | $31.3M | $49.2M |
| Q4 25 | $-27.4M | $456.0K | ||
| Q3 25 | $10.8M | $1.4M | ||
| Q2 25 | $9.6M | $116.5M | ||
| Q1 25 | $7.9M | $250.0K | ||
| Q4 24 | $11.3M | $7.6M | ||
| Q3 24 | $6.5M | $-853.0K | ||
| Q2 24 | $6.0M | $91.2M | ||
| Q1 24 | $6.2M | $-2.3M |
| Q4 25 | -1263.3% | 10.8% | ||
| Q3 25 | 37.7% | 10.0% | ||
| Q2 25 | 35.6% | 12.1% | ||
| Q1 25 | 31.0% | 8.8% | ||
| Q4 24 | 38.0% | 11.8% | ||
| Q3 24 | 27.9% | 4.6% | ||
| Q2 24 | 29.1% | — | ||
| Q1 24 | 27.2% | 8.3% |
| Q4 25 | -1545.5% | 0.8% | ||
| Q3 25 | 27.4% | 2.3% | ||
| Q2 25 | 24.6% | 192.9% | ||
| Q1 25 | 22.6% | 0.4% | ||
| Q4 24 | 30.7% | 16.4% | ||
| Q3 24 | 20.5% | -1.9% | ||
| Q2 24 | 18.9% | 184.7% | ||
| Q1 24 | 19.9% | -4.7% |
| Q4 25 | $-0.68 | $0.16 | ||
| Q3 25 | $0.27 | $0.49 | ||
| Q2 25 | $0.24 | $43.67 | ||
| Q1 25 | $0.19 | $0.08 | ||
| Q4 24 | $0.27 | $2.71 | ||
| Q3 24 | $0.16 | $-0.36 | ||
| Q2 24 | $0.14 | $38.40 | ||
| Q1 24 | $0.15 | $-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 | $164.0M | $18.4M |
| Total DebtLower is stronger | — | $113.3M |
| Stockholders' EquityBook value | $690.1M | $188.7M |
| Total Assets | $5.8B | $588.3M |
| Debt / EquityLower = less leverage | — | 0.60× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $164.0M | $18.4M | ||
| Q3 25 | $131.7M | $16.6M | ||
| Q2 25 | $97.6M | $17.0M | ||
| Q1 25 | $101.7M | $13.3M | ||
| Q4 24 | $167.7M | $10.2M | ||
| Q3 24 | $232.9M | $6.3M | ||
| Q2 24 | $153.5M | $10.1M | ||
| Q1 24 | $238.8M | $5.9M |
| Q4 25 | — | $113.3M | ||
| Q3 25 | — | $111.3M | ||
| Q2 25 | — | $110.8M | ||
| Q1 25 | — | $112.0M | ||
| Q4 24 | $666.4M | $111.5M | ||
| Q3 24 | — | $95.2M | ||
| Q2 24 | — | $99.5M | ||
| Q1 24 | — | $179.7M |
| Q4 25 | $690.1M | $188.7M | ||
| Q3 25 | $719.6M | $187.6M | ||
| Q2 25 | $710.3M | $185.6M | ||
| Q1 25 | $711.1M | $68.6M | ||
| Q4 24 | $704.7M | $66.7M | ||
| Q3 24 | $699.6M | $56.4M | ||
| Q2 24 | $693.0M | $56.8M | ||
| Q1 24 | $698.4M | $-35.8M |
| Q4 25 | $5.8B | $588.3M | ||
| Q3 25 | $5.7B | $592.1M | ||
| Q2 25 | $5.7B | $599.0M | ||
| Q1 25 | $5.7B | $511.2M | ||
| Q4 24 | $5.7B | $530.1M | ||
| Q3 24 | $5.7B | $508.9M | ||
| Q2 24 | $5.7B | $530.5M | ||
| Q1 24 | $5.9B | $543.7M |
| Q4 25 | — | 0.60× | ||
| Q3 25 | — | 0.59× | ||
| Q2 25 | — | 0.60× | ||
| Q1 25 | — | 1.63× | ||
| Q4 24 | 0.95× | 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 | $53.7M | $1.7M |
| Free Cash FlowOCF − Capex | $52.5M | $891.0K |
| FCF MarginFCF / Revenue | 127.1% | 1.6% |
| Capex IntensityCapex / Revenue | 2.8% | 1.4% |
| Cash ConversionOCF / Net Profit | — | 3.65× |
| TTM Free Cash FlowTrailing 4 quarters | $89.2M | $14.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $53.7M | $1.7M | ||
| Q3 25 | $13.9M | $2.3M | ||
| Q2 25 | $14.1M | $6.8M | ||
| Q1 25 | $9.4M | $6.2M | ||
| Q4 24 | $31.1M | $2.1M | ||
| Q3 24 | $14.0M | $-1.3M | ||
| Q2 24 | $6.9M | $5.1M | ||
| Q1 24 | $4.2M | $-277.0K |
| Q4 25 | $52.5M | $891.0K | ||
| Q3 25 | $13.6M | $1.9M | ||
| Q2 25 | $13.9M | $6.2M | ||
| Q1 25 | $9.2M | $5.9M | ||
| Q4 24 | $30.0M | $1.7M | ||
| Q3 24 | $13.7M | $-1.4M | ||
| Q2 24 | $6.7M | $5.1M | ||
| Q1 24 | $3.8M | $-326.0K |
| Q4 25 | 127.1% | 1.6% | ||
| Q3 25 | 34.6% | 3.2% | ||
| Q2 25 | 35.7% | 10.3% | ||
| Q1 25 | 26.3% | 10.3% | ||
| Q4 24 | 81.6% | 3.6% | ||
| Q3 24 | 43.2% | -3.0% | ||
| Q2 24 | 21.1% | 10.3% | ||
| Q1 24 | 12.1% | -0.7% |
| Q4 25 | 2.8% | 1.4% | ||
| Q3 25 | 0.8% | 0.7% | ||
| Q2 25 | 0.6% | 0.9% | ||
| Q1 25 | 0.7% | 0.6% | ||
| Q4 24 | 3.1% | 0.9% | ||
| Q3 24 | 0.7% | 0.0% | ||
| Q2 24 | 0.8% | 0.0% | ||
| Q1 24 | 1.4% | 0.1% |
| Q4 25 | — | 3.65× | ||
| Q3 25 | 1.29× | 1.68× | ||
| Q2 25 | 1.48× | 0.06× | ||
| Q1 25 | 1.20× | 24.80× | ||
| Q4 24 | 2.76× | 0.28× | ||
| Q3 24 | 2.14× | — | ||
| Q2 24 | 1.16× | 0.06× | ||
| Q1 24 | 0.68× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
NFBK
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% |
