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Side-by-side financial comparison of REGIS CORP (RGS) and Waterstone Financial, Inc. (WSBF). Click either name above to swap in a different company.
REGIS CORP is the larger business by last-quarter revenue ($57.1M vs $37.2M, roughly 1.5× Waterstone Financial, Inc.). On growth, REGIS CORP posted the faster year-over-year revenue change (22.3% vs 16.7%). Waterstone Financial, Inc. produced more free cash flow last quarter ($23.0M vs $891.0K). Over the past eight quarters, REGIS CORP's revenue compounded faster (7.8% CAGR vs 7.1%).
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.
Waterstone Financial, Inc. is a U.S. bank holding company headquartered in Wisconsin. It offers retail and commercial banking services, residential mortgages, and wealth management solutions, primarily serving consumers and small to medium-sized businesses across the U.S. Midwest region.
RGS vs WSBF — Head-to-Head
Income Statement — Q2 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $57.1M | $37.2M |
| Net Profit | $456.0K | — |
| Gross Margin | — | — |
| Operating Margin | 10.8% | 27.0% |
| Net Margin | 0.8% | — |
| Revenue YoY | 22.3% | 16.7% |
| Net Profit YoY | -94.0% | — |
| EPS (diluted) | $0.16 | $0.43 |
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 | $57.1M | $37.2M | ||
| Q3 25 | $59.0M | $37.0M | ||
| Q2 25 | $60.4M | $38.0M | ||
| Q1 25 | $57.0M | $29.7M | ||
| Q4 24 | $46.7M | $31.8M | ||
| Q3 24 | $46.1M | $34.1M | ||
| Q2 24 | $49.4M | $37.2M | ||
| Q1 24 | $49.2M | $32.4M |
| Q4 25 | $456.0K | — | ||
| Q3 25 | $1.4M | $7.9M | ||
| Q2 25 | $116.5M | $7.7M | ||
| Q1 25 | $250.0K | $3.0M | ||
| Q4 24 | $7.6M | — | ||
| Q3 24 | $-853.0K | $4.7M | ||
| Q2 24 | $91.2M | $5.7M | ||
| Q1 24 | $-2.3M | $3.0M |
| Q4 25 | 10.8% | 27.0% | ||
| Q3 25 | 10.0% | 26.6% | ||
| Q2 25 | 12.1% | 25.4% | ||
| Q1 25 | 8.8% | 13.1% | ||
| Q4 24 | 11.8% | 19.5% | ||
| Q3 24 | 4.6% | 17.3% | ||
| Q2 24 | — | 19.2% | ||
| Q1 24 | 8.3% | 14.7% |
| Q4 25 | 0.8% | — | ||
| Q3 25 | 2.3% | 21.4% | ||
| Q2 25 | 192.9% | 20.3% | ||
| Q1 25 | 0.4% | 10.2% | ||
| Q4 24 | 16.4% | — | ||
| Q3 24 | -1.9% | 13.9% | ||
| Q2 24 | 184.7% | 15.4% | ||
| Q1 24 | -4.7% | 9.4% |
| Q4 25 | $0.16 | $0.43 | ||
| Q3 25 | $0.49 | $0.45 | ||
| Q2 25 | $43.67 | $0.43 | ||
| Q1 25 | $0.08 | $0.17 | ||
| Q4 24 | $2.71 | $0.28 | ||
| Q3 24 | $-0.36 | $0.26 | ||
| Q2 24 | $38.40 | $0.31 | ||
| Q1 24 | $-1.00 | $0.16 |
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 | $412.3M |
| Stockholders' EquityBook value | $188.7M | $349.4M |
| Total Assets | $588.3M | $2.3B |
| Debt / EquityLower = less leverage | 0.60× | 1.18× |
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 | $412.3M | ||
| Q3 25 | $111.3M | $469.1M | ||
| Q2 25 | $110.8M | $465.7M | ||
| Q1 25 | $112.0M | $395.9M | ||
| Q4 24 | $111.5M | $446.5M | ||
| Q3 24 | $95.2M | $560.1M | ||
| Q2 24 | $99.5M | $660.8M | ||
| Q1 24 | $179.7M | $634.2M |
| Q4 25 | $188.7M | $349.4M | ||
| Q3 25 | $187.6M | $345.5M | ||
| Q2 25 | $185.6M | $341.5M | ||
| Q1 25 | $68.6M | $341.4M | ||
| Q4 24 | $66.7M | $339.1M | ||
| Q3 24 | $56.4M | $342.0M | ||
| Q2 24 | $56.8M | $334.9M | ||
| Q1 24 | $-35.8M | $338.0M |
| Q4 25 | $588.3M | $2.3B | ||
| Q3 25 | $592.1M | $2.3B | ||
| Q2 25 | $599.0M | $2.3B | ||
| Q1 25 | $511.2M | $2.2B | ||
| Q4 24 | $530.1M | $2.2B | ||
| Q3 24 | $508.9M | $2.2B | ||
| Q2 24 | $530.5M | $2.3B | ||
| Q1 24 | $543.7M | $2.2B |
| Q4 25 | 0.60× | 1.18× | ||
| Q3 25 | 0.59× | 1.36× | ||
| Q2 25 | 0.60× | 1.36× | ||
| Q1 25 | 1.63× | 1.16× | ||
| Q4 24 | 1.67× | 1.32× | ||
| Q3 24 | 1.69× | 1.64× | ||
| Q2 24 | 1.75× | 1.97× | ||
| Q1 24 | — | 1.88× |
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 | $24.2M |
| Free Cash FlowOCF − Capex | $891.0K | $23.0M |
| FCF MarginFCF / Revenue | 1.6% | 61.9% |
| Capex IntensityCapex / Revenue | 1.4% | 3.1% |
| Cash ConversionOCF / Net Profit | 3.65× | — |
| TTM Free Cash FlowTrailing 4 quarters | $14.9M | $43.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.7M | $24.2M | ||
| Q3 25 | $2.3M | $32.7M | ||
| Q2 25 | $6.8M | $-38.4M | ||
| Q1 25 | $6.2M | $26.7M | ||
| Q4 24 | $2.1M | $48.1M | ||
| Q3 24 | $-1.3M | $74.1M | ||
| Q2 24 | $5.1M | $-39.5M | ||
| Q1 24 | $-277.0K | $-9.9M |
| Q4 25 | $891.0K | $23.0M | ||
| Q3 25 | $1.9M | $32.4M | ||
| Q2 25 | $6.2M | $-38.5M | ||
| Q1 25 | $5.9M | $26.5M | ||
| Q4 24 | $1.7M | $47.0M | ||
| Q3 24 | $-1.4M | $73.9M | ||
| Q2 24 | $5.1M | $-39.7M | ||
| Q1 24 | $-326.0K | $-10.3M |
| Q4 25 | 1.6% | 61.9% | ||
| Q3 25 | 3.2% | 87.5% | ||
| Q2 25 | 10.3% | -101.2% | ||
| Q1 25 | 10.3% | 89.2% | ||
| Q4 24 | 3.6% | 147.5% | ||
| Q3 24 | -3.0% | 216.9% | ||
| Q2 24 | 10.3% | -106.7% | ||
| Q1 24 | -0.7% | -31.9% |
| Q4 25 | 1.4% | 3.1% | ||
| Q3 25 | 0.7% | 0.8% | ||
| Q2 25 | 0.9% | 0.2% | ||
| Q1 25 | 0.6% | 0.9% | ||
| Q4 24 | 0.9% | 3.5% | ||
| Q3 24 | 0.0% | 0.6% | ||
| Q2 24 | 0.0% | 0.4% | ||
| Q1 24 | 0.1% | 1.2% |
| Q4 25 | 3.65× | — | ||
| Q3 25 | 1.68× | 4.13× | ||
| Q2 25 | 0.06× | -4.98× | ||
| Q1 25 | 24.80× | 8.81× | ||
| Q4 24 | 0.28× | — | ||
| Q3 24 | — | 15.67× | ||
| Q2 24 | 0.06× | -6.92× | ||
| Q1 24 | — | -3.27× |
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% |
WSBF
Segment breakdown not available.
