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Side-by-side financial comparison of NICOLET BANKSHARES INC (NIC) and REGIS CORP (RGS). Click either name above to swap in a different company.
NICOLET BANKSHARES INC is the larger business by last-quarter revenue ($104.0M vs $57.1M, roughly 1.8× REGIS CORP). NICOLET BANKSHARES INC runs the higher net margin — 38.8% vs 0.8%, a 38.0% gap on every dollar of revenue. On growth, REGIS CORP posted the faster year-over-year revenue change (22.3% vs 12.5%). NICOLET BANKSHARES INC produced more free cash flow last quarter ($149.4M vs $891.0K). Over the past eight quarters, NICOLET BANKSHARES INC's revenue compounded faster (12.5% CAGR vs 7.8%).
Nicolet Bankshares, Inc. is a U.S. regional bank holding company based in Green Bay, Wisconsin. They are the parent company of Nicolet National Bank, the second largest Wisconsin-based 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.
NIC vs RGS — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $104.0M | $57.1M |
| Net Profit | $40.3M | $456.0K |
| Gross Margin | — | — |
| Operating Margin | 48.3% | 10.8% |
| Net Margin | 38.8% | 0.8% |
| Revenue YoY | 12.5% | 22.3% |
| Net Profit YoY | 16.9% | -94.0% |
| EPS (diluted) | $2.63 | $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 | $104.0M | $57.1M | ||
| Q3 25 | $102.9M | $59.0M | ||
| Q2 25 | $95.7M | $60.4M | ||
| Q1 25 | $89.4M | $57.0M | ||
| Q4 24 | $92.4M | $46.7M | ||
| Q3 24 | $90.7M | $46.1M | ||
| Q2 24 | $85.0M | $49.4M | ||
| Q1 24 | $82.2M | $49.2M |
| Q4 25 | $40.3M | $456.0K | ||
| Q3 25 | $41.7M | $1.4M | ||
| Q2 25 | $36.0M | $116.5M | ||
| Q1 25 | $32.6M | $250.0K | ||
| Q4 24 | $34.5M | $7.6M | ||
| Q3 24 | $32.5M | $-853.0K | ||
| Q2 24 | $29.3M | $91.2M | ||
| Q1 24 | $27.8M | $-2.3M |
| Q4 25 | 48.3% | 10.8% | ||
| Q3 25 | 50.4% | 10.0% | ||
| Q2 25 | 46.8% | 12.1% | ||
| Q1 25 | 44.9% | 8.8% | ||
| Q4 24 | 46.8% | 11.8% | ||
| Q3 24 | 45.0% | 4.6% | ||
| Q2 24 | 43.3% | — | ||
| Q1 24 | 41.8% | 8.3% |
| Q4 25 | 38.8% | 0.8% | ||
| Q3 25 | 40.6% | 2.3% | ||
| Q2 25 | 37.6% | 192.9% | ||
| Q1 25 | 36.4% | 0.4% | ||
| Q4 24 | 37.3% | 16.4% | ||
| Q3 24 | 35.8% | -1.9% | ||
| Q2 24 | 34.5% | 184.7% | ||
| Q1 24 | 33.8% | -4.7% |
| Q4 25 | $2.63 | $0.16 | ||
| Q3 25 | $2.73 | $0.49 | ||
| Q2 25 | $2.34 | $43.67 | ||
| Q1 25 | $2.08 | $0.08 | ||
| Q4 24 | $2.21 | $2.71 | ||
| Q3 24 | $2.10 | $-0.36 | ||
| Q2 24 | $1.92 | $38.40 | ||
| Q1 24 | $1.82 | $-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 | $134.9M | $113.3M |
| Stockholders' EquityBook value | $1.3B | $188.7M |
| Total Assets | $9.2B | $588.3M |
| Debt / EquityLower = less leverage | 0.11× | 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 | $134.9M | $113.3M | ||
| Q3 25 | $134.6M | $111.3M | ||
| Q2 25 | $134.3M | $110.8M | ||
| Q1 25 | $156.6M | $112.0M | ||
| Q4 24 | $161.4M | $111.5M | ||
| Q3 24 | $161.2M | $95.2M | ||
| Q2 24 | $162.4M | $99.5M | ||
| Q1 24 | $162.3M | $179.7M |
| Q4 25 | $1.3B | $188.7M | ||
| Q3 25 | $1.2B | $187.6M | ||
| Q2 25 | $1.2B | $185.6M | ||
| Q1 25 | $1.2B | $68.6M | ||
| Q4 24 | $1.2B | $66.7M | ||
| Q3 24 | $1.1B | $56.4M | ||
| Q2 24 | $1.1B | $56.8M | ||
| Q1 24 | $1.1B | $-35.8M |
| Q4 25 | $9.2B | $588.3M | ||
| Q3 25 | $9.0B | $592.1M | ||
| Q2 25 | $8.9B | $599.0M | ||
| Q1 25 | $9.0B | $511.2M | ||
| Q4 24 | $8.8B | $530.1M | ||
| Q3 24 | $8.6B | $508.9M | ||
| Q2 24 | $8.6B | $530.5M | ||
| Q1 24 | $8.4B | $543.7M |
| Q4 25 | 0.11× | 0.60× | ||
| Q3 25 | 0.11× | 0.59× | ||
| Q2 25 | 0.11× | 0.60× | ||
| Q1 25 | 0.13× | 1.63× | ||
| Q4 24 | 0.14× | 1.67× | ||
| Q3 24 | 0.14× | 1.69× | ||
| Q2 24 | 0.15× | 1.75× | ||
| Q1 24 | 0.15× | — |
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 | $153.5M | $1.7M |
| Free Cash FlowOCF − Capex | $149.4M | $891.0K |
| FCF MarginFCF / Revenue | 143.7% | 1.6% |
| Capex IntensityCapex / Revenue | 3.9% | 1.4% |
| Cash ConversionOCF / Net Profit | 3.81× | 3.65× |
| TTM Free Cash FlowTrailing 4 quarters | $275.0M | $14.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $153.5M | $1.7M | ||
| Q3 25 | $45.9M | $2.3M | ||
| Q2 25 | $38.9M | $6.8M | ||
| Q1 25 | $41.8M | $6.2M | ||
| Q4 24 | $133.7M | $2.1M | ||
| Q3 24 | $39.6M | $-1.3M | ||
| Q2 24 | $37.3M | $5.1M | ||
| Q1 24 | $23.4M | $-277.0K |
| Q4 25 | $149.4M | $891.0K | ||
| Q3 25 | $45.9M | $1.9M | ||
| Q2 25 | $38.4M | $6.2M | ||
| Q1 25 | $41.3M | $5.9M | ||
| Q4 24 | $116.8M | $1.7M | ||
| Q3 24 | $34.7M | $-1.4M | ||
| Q2 24 | $34.4M | $5.1M | ||
| Q1 24 | $20.1M | $-326.0K |
| Q4 25 | 143.7% | 1.6% | ||
| Q3 25 | 44.6% | 3.2% | ||
| Q2 25 | 40.1% | 10.3% | ||
| Q1 25 | 46.2% | 10.3% | ||
| Q4 24 | 126.4% | 3.6% | ||
| Q3 24 | 38.3% | -3.0% | ||
| Q2 24 | 40.5% | 10.3% | ||
| Q1 24 | 24.4% | -0.7% |
| Q4 25 | 3.9% | 1.4% | ||
| Q3 25 | 0.0% | 0.7% | ||
| Q2 25 | 0.6% | 0.9% | ||
| Q1 25 | 0.5% | 0.6% | ||
| Q4 24 | 18.3% | 0.9% | ||
| Q3 24 | 5.4% | 0.0% | ||
| Q2 24 | 3.5% | 0.0% | ||
| Q1 24 | 4.0% | 0.1% |
| Q4 25 | 3.81× | 3.65× | ||
| Q3 25 | 1.10× | 1.68× | ||
| Q2 25 | 1.08× | 0.06× | ||
| Q1 25 | 1.28× | 24.80× | ||
| Q4 24 | 3.88× | 0.28× | ||
| Q3 24 | 1.22× | — | ||
| Q2 24 | 1.28× | 0.06× | ||
| Q1 24 | 0.84× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
NIC
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% |
