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Side-by-side financial comparison of PCB BANCORP (PCB) 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 $29.2M, roughly 2.0× PCB BANCORP). On growth, REGIS CORP posted the faster year-over-year revenue change (22.3% vs 11.3%). PCB BANCORP produced more free cash flow last quarter ($24.4M vs $891.0K). Over the past eight quarters, PCB BANCORP's revenue compounded faster (10.4% CAGR vs 7.8%).
PCB Bank is an American community bank that focuses on the Korean-American community based in California and offers commercial banking services. It has branches in 8 states and is the third largest Korean American Bank after Bank of Hope and Hanmi 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.
PCB vs RGS — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $29.2M | $57.1M |
| Net Profit | — | $456.0K |
| Gross Margin | — | — |
| Operating Margin | 45.0% | 10.8% |
| Net Margin | — | 0.8% |
| Revenue YoY | 11.3% | 22.3% |
| Net Profit YoY | — | -94.0% |
| EPS (diluted) | $0.65 | $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 | $29.2M | $57.1M | ||
| Q3 25 | $30.4M | $59.0M | ||
| Q2 25 | $29.3M | $60.4M | ||
| Q1 25 | $26.9M | $57.0M | ||
| Q4 24 | $26.2M | $46.7M | ||
| Q3 24 | $25.3M | $46.1M | ||
| Q2 24 | $24.2M | $49.4M | ||
| Q1 24 | $23.9M | $49.2M |
| Q4 25 | — | $456.0K | ||
| Q3 25 | $11.4M | $1.4M | ||
| Q2 25 | $9.1M | $116.5M | ||
| Q1 25 | $7.7M | $250.0K | ||
| Q4 24 | — | $7.6M | ||
| Q3 24 | $7.8M | $-853.0K | ||
| Q2 24 | $6.3M | $91.2M | ||
| Q1 24 | $4.7M | $-2.3M |
| Q4 25 | 45.0% | 10.8% | ||
| Q3 25 | 52.3% | 10.0% | ||
| Q2 25 | 43.3% | 12.1% | ||
| Q1 25 | 40.2% | 8.8% | ||
| Q4 24 | 39.3% | 11.8% | ||
| Q3 24 | 42.2% | 4.6% | ||
| Q2 24 | 36.3% | — | ||
| Q1 24 | 27.2% | 8.3% |
| Q4 25 | — | 0.8% | ||
| Q3 25 | 37.5% | 2.3% | ||
| Q2 25 | 31.0% | 192.9% | ||
| Q1 25 | 28.8% | 0.4% | ||
| Q4 24 | — | 16.4% | ||
| Q3 24 | 30.8% | -1.9% | ||
| Q2 24 | 25.9% | 184.7% | ||
| Q1 24 | 19.6% | -4.7% |
| Q4 25 | $0.65 | $0.16 | ||
| Q3 25 | $0.78 | $0.49 | ||
| Q2 25 | $0.62 | $43.67 | ||
| Q1 25 | $0.53 | $0.08 | ||
| Q4 24 | $0.46 | $2.71 | ||
| Q3 24 | $0.52 | $-0.36 | ||
| Q2 24 | $0.43 | $38.40 | ||
| Q1 24 | $0.33 | $-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 | $207.1M | $18.4M |
| Total DebtLower is stronger | — | $113.3M |
| Stockholders' EquityBook value | $390.0M | $188.7M |
| Total Assets | $3.3B | $588.3M |
| Debt / EquityLower = less leverage | — | 0.60× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $207.1M | $18.4M | ||
| Q3 25 | $369.5M | $16.6M | ||
| Q2 25 | $263.6M | $17.0M | ||
| Q1 25 | $214.3M | $13.3M | ||
| Q4 24 | $198.8M | $10.2M | ||
| Q3 24 | $193.1M | $6.3M | ||
| Q2 24 | $177.6M | $10.1M | ||
| Q1 24 | $239.8M | $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 | $390.0M | $188.7M | ||
| Q3 25 | $384.5M | $187.6M | ||
| Q2 25 | $376.5M | $185.6M | ||
| Q1 25 | $370.9M | $68.6M | ||
| Q4 24 | $363.8M | $66.7M | ||
| Q3 24 | $362.3M | $56.4M | ||
| Q2 24 | $353.5M | $56.8M | ||
| Q1 24 | $350.0M | $-35.8M |
| Q4 25 | $3.3B | $588.3M | ||
| Q3 25 | $3.4B | $592.1M | ||
| Q2 25 | $3.3B | $599.0M | ||
| Q1 25 | $3.2B | $511.2M | ||
| Q4 24 | $3.1B | $530.1M | ||
| Q3 24 | $2.9B | $508.9M | ||
| Q2 24 | $2.9B | $530.5M | ||
| Q1 24 | $2.9B | $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 | $26.6M | $1.7M |
| Free Cash FlowOCF − Capex | $24.4M | $891.0K |
| FCF MarginFCF / Revenue | 83.6% | 1.6% |
| Capex IntensityCapex / Revenue | 7.5% | 1.4% |
| Cash ConversionOCF / Net Profit | — | 3.65× |
| TTM Free Cash FlowTrailing 4 quarters | $46.0M | $14.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $26.6M | $1.7M | ||
| Q3 25 | $16.4M | $2.3M | ||
| Q2 25 | $4.9M | $6.8M | ||
| Q1 25 | $2.3M | $6.2M | ||
| Q4 24 | $39.0M | $2.1M | ||
| Q3 24 | $11.9M | $-1.3M | ||
| Q2 24 | $14.6M | $5.1M | ||
| Q1 24 | $8.2M | $-277.0K |
| Q4 25 | $24.4M | $891.0K | ||
| Q3 25 | $16.2M | $1.9M | ||
| Q2 25 | $3.8M | $6.2M | ||
| Q1 25 | $1.6M | $5.9M | ||
| Q4 24 | $34.9M | $1.7M | ||
| Q3 24 | $11.9M | $-1.4M | ||
| Q2 24 | $12.8M | $5.1M | ||
| Q1 24 | $6.0M | $-326.0K |
| Q4 25 | 83.6% | 1.6% | ||
| Q3 25 | 53.2% | 3.2% | ||
| Q2 25 | 13.1% | 10.3% | ||
| Q1 25 | 6.0% | 10.3% | ||
| Q4 24 | 133.2% | 3.6% | ||
| Q3 24 | 46.8% | -3.0% | ||
| Q2 24 | 53.1% | 10.3% | ||
| Q1 24 | 25.2% | -0.7% |
| Q4 25 | 7.5% | 1.4% | ||
| Q3 25 | 0.8% | 0.7% | ||
| Q2 25 | 3.7% | 0.9% | ||
| Q1 25 | 2.8% | 0.6% | ||
| Q4 24 | 15.5% | 0.9% | ||
| Q3 24 | 0.1% | 0.0% | ||
| Q2 24 | 7.3% | 0.0% | ||
| Q1 24 | 9.3% | 0.1% |
| Q4 25 | — | 3.65× | ||
| Q3 25 | 1.44× | 1.68× | ||
| Q2 25 | 0.54× | 0.06× | ||
| Q1 25 | 0.30× | 24.80× | ||
| Q4 24 | — | 0.28× | ||
| Q3 24 | 1.52× | — | ||
| Q2 24 | 2.33× | 0.06× | ||
| Q1 24 | 1.76× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PCB
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% |
