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Side-by-side financial comparison of REGIS CORP (RGS) and SMARTFINANCIAL INC. (SMBK). Click either name above to swap in a different company.
REGIS CORP is the larger business by last-quarter revenue ($57.1M vs $53.8M, roughly 1.1× SMARTFINANCIAL INC.). SMARTFINANCIAL INC. runs the higher net margin — 25.4% vs 0.8%, a 24.6% gap on every dollar of revenue. Over the past eight quarters, SMARTFINANCIAL INC.'s revenue compounded faster (15.4% CAGR vs 7.8%).
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.
SmartFinancial Inc. is a U.S.-based bank holding company that operates its wholly owned subsidiary SmartBank. It offers a full range of retail and commercial banking products including deposit accounts, personal and business loans, mortgage services, and wealth management solutions, primarily serving individual customers and small-to-medium enterprises across the Southeastern United States.
RGS vs SMBK — Head-to-Head
Income Statement — Q2 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $57.1M | $53.8M |
| Net Profit | $456.0K | $13.7M |
| Gross Margin | — | — |
| Operating Margin | 10.8% | — |
| Net Margin | 0.8% | 25.4% |
| Revenue YoY | 22.3% | — |
| Net Profit YoY | -94.0% | 21.6% |
| EPS (diluted) | $0.16 | $0.81 |
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.
| Q1 26 | — | $53.8M | ||
| Q4 25 | $57.1M | $53.3M | ||
| Q3 25 | $59.0M | $51.1M | ||
| Q2 25 | $60.4M | $49.2M | ||
| Q1 25 | $57.0M | $46.8M | ||
| Q4 24 | $46.7M | $46.8M | ||
| Q3 24 | $46.1M | $44.2M | ||
| Q2 24 | $49.4M | $40.4M |
| Q1 26 | — | $13.7M | ||
| Q4 25 | $456.0K | $13.7M | ||
| Q3 25 | $1.4M | $13.7M | ||
| Q2 25 | $116.5M | $11.7M | ||
| Q1 25 | $250.0K | $11.3M | ||
| Q4 24 | $7.6M | $9.6M | ||
| Q3 24 | $-853.0K | $9.1M | ||
| Q2 24 | $91.2M | $8.0M |
| Q1 26 | — | — | ||
| Q4 25 | 10.8% | 31.3% | ||
| Q3 25 | 10.0% | 33.2% | ||
| Q2 25 | 12.1% | 29.0% | ||
| Q1 25 | 8.8% | 29.0% | ||
| Q4 24 | 11.8% | 26.5% | ||
| Q3 24 | 4.6% | 24.3% | ||
| Q2 24 | — | 25.6% |
| Q1 26 | — | 25.4% | ||
| Q4 25 | 0.8% | 25.7% | ||
| Q3 25 | 2.3% | 26.8% | ||
| Q2 25 | 192.9% | 23.8% | ||
| Q1 25 | 0.4% | 24.0% | ||
| Q4 24 | 16.4% | 20.6% | ||
| Q3 24 | -1.9% | 20.7% | ||
| Q2 24 | 184.7% | 19.8% |
| Q1 26 | — | $0.81 | ||
| Q4 25 | $0.16 | $0.81 | ||
| Q3 25 | $0.49 | $0.81 | ||
| Q2 25 | $43.67 | $0.69 | ||
| Q1 25 | $0.08 | $0.67 | ||
| Q4 24 | $2.71 | $0.57 | ||
| Q3 24 | $-0.36 | $0.54 | ||
| Q2 24 | $38.40 | $0.48 |
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 | $346.1M |
| Total DebtLower is stronger | $113.3M | — |
| Stockholders' EquityBook value | $188.7M | $562.2M |
| Total Assets | $588.3M | $5.9B |
| Debt / EquityLower = less leverage | 0.60× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $346.1M | ||
| Q4 25 | $18.4M | $464.4M | ||
| Q3 25 | $16.6M | $557.1M | ||
| Q2 25 | $17.0M | $365.1M | ||
| Q1 25 | $13.3M | $423.0M | ||
| Q4 24 | $10.2M | $387.6M | ||
| Q3 24 | $6.3M | $192.9M | ||
| Q2 24 | $10.1M | $342.8M |
| Q1 26 | — | — | ||
| Q4 25 | $113.3M | — | ||
| Q3 25 | $111.3M | $1.3M | ||
| Q2 25 | $110.8M | $7.0M | ||
| Q1 25 | $112.0M | $7.6M | ||
| Q4 24 | $111.5M | $8.1M | ||
| Q3 24 | $95.2M | $9.0M | ||
| Q2 24 | $99.5M | $12.7M |
| Q1 26 | — | $562.2M | ||
| Q4 25 | $188.7M | $552.4M | ||
| Q3 25 | $187.6M | $538.4M | ||
| Q2 25 | $185.6M | $519.0M | ||
| Q1 25 | $68.6M | $505.8M | ||
| Q4 24 | $66.7M | $491.3M | ||
| Q3 24 | $56.4M | $489.0M | ||
| Q2 24 | $56.8M | $472.5M |
| Q1 26 | — | $5.9B | ||
| Q4 25 | $588.3M | $5.9B | ||
| Q3 25 | $592.1M | $5.8B | ||
| Q2 25 | $599.0M | $5.5B | ||
| Q1 25 | $511.2M | $5.4B | ||
| Q4 24 | $530.1M | $5.3B | ||
| Q3 24 | $508.9M | $4.9B | ||
| Q2 24 | $530.5M | $4.9B |
| Q1 26 | — | — | ||
| Q4 25 | 0.60× | — | ||
| Q3 25 | 0.59× | 0.00× | ||
| Q2 25 | 0.60× | 0.01× | ||
| Q1 25 | 1.63× | 0.02× | ||
| Q4 24 | 1.67× | 0.02× | ||
| Q3 24 | 1.69× | 0.02× | ||
| Q2 24 | 1.75× | 0.03× |
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 | $1.7M | — |
| Free Cash FlowOCF − Capex | $891.0K | — |
| FCF MarginFCF / Revenue | 1.6% | — |
| Capex IntensityCapex / Revenue | 1.4% | — |
| Cash ConversionOCF / Net Profit | 3.65× | — |
| TTM Free Cash FlowTrailing 4 quarters | $14.9M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $1.7M | $61.7M | ||
| Q3 25 | $2.3M | $16.9M | ||
| Q2 25 | $6.8M | $14.0M | ||
| Q1 25 | $6.2M | $14.3M | ||
| Q4 24 | $2.1M | $52.7M | ||
| Q3 24 | $-1.3M | $12.4M | ||
| Q2 24 | $5.1M | $16.5M |
| Q1 26 | — | — | ||
| Q4 25 | $891.0K | $59.3M | ||
| Q3 25 | $1.9M | $16.6M | ||
| Q2 25 | $6.2M | $13.2M | ||
| Q1 25 | $5.9M | $13.4M | ||
| Q4 24 | $1.7M | $46.3M | ||
| Q3 24 | $-1.4M | $11.3M | ||
| Q2 24 | $5.1M | $15.4M |
| Q1 26 | — | — | ||
| Q4 25 | 1.6% | 111.3% | ||
| Q3 25 | 3.2% | 32.4% | ||
| Q2 25 | 10.3% | 26.9% | ||
| Q1 25 | 10.3% | 28.5% | ||
| Q4 24 | 3.6% | 98.9% | ||
| Q3 24 | -3.0% | 25.7% | ||
| Q2 24 | 10.3% | 38.2% |
| Q1 26 | — | — | ||
| Q4 25 | 1.4% | 4.5% | ||
| Q3 25 | 0.7% | 0.6% | ||
| Q2 25 | 0.9% | 1.6% | ||
| Q1 25 | 0.6% | 2.0% | ||
| Q4 24 | 0.9% | 13.7% | ||
| Q3 24 | 0.0% | 2.4% | ||
| Q2 24 | 0.0% | 2.7% |
| Q1 26 | — | — | ||
| Q4 25 | 3.65× | 4.50× | ||
| Q3 25 | 1.68× | 1.23× | ||
| Q2 25 | 0.06× | 1.20× | ||
| Q1 25 | 24.80× | 1.27× | ||
| Q4 24 | 0.28× | 5.47× | ||
| Q3 24 | — | 1.36× | ||
| Q2 24 | 0.06× | 2.07× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
SMBK
| Net Interest Income | $45.9M | 85% |
| Noninterest Income | $7.9M | 15% |
