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Side-by-side financial comparison of PATHWARD FINANCIAL, INC. (CASH) and SIMMONS FIRST NATIONAL CORP (SFNC). Click either name above to swap in a different company.
SIMMONS FIRST NATIONAL CORP is the larger business by last-quarter revenue ($197.3M vs $173.1M, roughly 1.1× PATHWARD FINANCIAL, INC.). On growth, SIMMONS FIRST NATIONAL CORP posted the faster year-over-year revenue change (19.6% vs -0.2%). SIMMONS FIRST NATIONAL CORP produced more free cash flow last quarter ($411.4M vs $104.1M). Over the past eight quarters, SIMMONS FIRST NATIONAL CORP's revenue compounded faster (0.6% CAGR vs -18.0%).
Pathward Financial, Inc. is a U.S.-based banking and financial services company. It adopted its current name in 2022 after its parent, Meta Financial Group, sold the "Meta" trademark to Meta Platforms.
Simmons Bank is a bank with operations in Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas. It is the primary subsidiary of Simmons First National Corporation, a bank holding company.
CASH vs SFNC — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $173.1M | $197.3M |
| Net Profit | $35.2M | — |
| Gross Margin | — | — |
| Operating Margin | 24.6% | — |
| Net Margin | 20.3% | — |
| Revenue YoY | -0.2% | 19.6% |
| Net Profit YoY | 11.9% | — |
| EPS (diluted) | $1.57 | $0.36 |
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 | $173.1M | $197.3M | ||
| Q3 25 | $186.7M | $186.7M | ||
| Q2 25 | $195.8M | $214.2M | ||
| Q1 25 | $274.8M | $209.6M | ||
| Q4 24 | $182.6M | $208.5M | ||
| Q3 24 | $179.5M | $174.8M | ||
| Q2 24 | $188.6M | $197.2M | ||
| Q1 24 | $257.6M | $195.1M |
| Q4 25 | $35.2M | — | ||
| Q3 25 | $38.8M | $-562.8M | ||
| Q2 25 | $42.1M | $54.8M | ||
| Q1 25 | $75.0M | $32.4M | ||
| Q4 24 | $30.0M | — | ||
| Q3 24 | $33.5M | $24.7M | ||
| Q2 24 | $44.9M | $40.8M | ||
| Q1 24 | $69.9M | $38.9M |
| Q4 25 | 24.6% | — | ||
| Q3 25 | 25.9% | — | ||
| Q2 25 | 24.1% | — | ||
| Q1 25 | 33.2% | — | ||
| Q4 24 | 19.8% | — | ||
| Q3 24 | 20.9% | — | ||
| Q2 24 | 27.1% | — | ||
| Q1 24 | 33.8% | — |
| Q4 25 | 20.3% | — | ||
| Q3 25 | 20.8% | -301.5% | ||
| Q2 25 | 21.5% | 25.6% | ||
| Q1 25 | 27.3% | 15.5% | ||
| Q4 24 | 16.4% | — | ||
| Q3 24 | 18.7% | 14.1% | ||
| Q2 24 | 23.8% | 20.7% | ||
| Q1 24 | 27.1% | 19.9% |
| Q4 25 | $1.57 | $0.36 | ||
| Q3 25 | $1.69 | $-4.00 | ||
| Q2 25 | $1.81 | $0.43 | ||
| Q1 25 | $3.14 | $0.26 | ||
| Q4 24 | $1.23 | $0.38 | ||
| Q3 24 | $1.34 | $0.20 | ||
| Q2 24 | $1.78 | $0.32 | ||
| Q1 24 | $2.74 | $0.31 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $331.2M | — |
| Total DebtLower is stronger | $33.5M | $620.0M |
| Stockholders' EquityBook value | $854.5M | $3.4B |
| Total Assets | $7.6B | $24.5B |
| Debt / EquityLower = less leverage | 0.04× | 0.18× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $331.2M | — | ||
| Q3 25 | $120.6M | — | ||
| Q2 25 | $258.3M | — | ||
| Q1 25 | $254.2M | — | ||
| Q4 24 | $597.4M | — | ||
| Q3 24 | $158.3M | — | ||
| Q2 24 | $298.9M | — | ||
| Q1 24 | $347.9M | — |
| Q4 25 | $33.5M | $620.0M | ||
| Q3 25 | $33.5M | $667.8M | ||
| Q2 25 | $33.4M | $1.0B | ||
| Q1 25 | $33.4M | $1.3B | ||
| Q4 24 | $33.4M | $1.1B | ||
| Q3 24 | $33.4M | $1.4B | ||
| Q2 24 | $33.3M | $1.7B | ||
| Q1 24 | $33.4M | $1.2B |
| Q4 25 | $854.5M | $3.4B | ||
| Q3 25 | $858.0M | $3.4B | ||
| Q2 25 | $819.0M | $3.5B | ||
| Q1 25 | $814.7M | $3.5B | ||
| Q4 24 | $758.3M | $3.5B | ||
| Q3 24 | $822.5M | $3.5B | ||
| Q2 24 | $748.4M | $3.5B | ||
| Q1 24 | $719.5M | $3.4B |
| Q4 25 | $7.6B | $24.5B | ||
| Q3 25 | $7.2B | $24.2B | ||
| Q2 25 | $7.2B | $26.7B | ||
| Q1 25 | $7.0B | $26.8B | ||
| Q4 24 | $7.6B | $26.9B | ||
| Q3 24 | $7.5B | $27.3B | ||
| Q2 24 | $7.5B | $27.4B | ||
| Q1 24 | $7.4B | $27.4B |
| Q4 25 | 0.04× | 0.18× | ||
| Q3 25 | 0.04× | 0.20× | ||
| Q2 25 | 0.04× | 0.28× | ||
| Q1 25 | 0.04× | 0.35× | ||
| Q4 24 | 0.04× | 0.32× | ||
| Q3 24 | 0.04× | 0.40× | ||
| Q2 24 | 0.04× | 0.50× | ||
| Q1 24 | 0.05× | 0.36× |
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 | $108.3M | $449.5M |
| Free Cash FlowOCF − Capex | $104.1M | $411.4M |
| FCF MarginFCF / Revenue | 60.1% | 208.5% |
| Capex IntensityCapex / Revenue | 2.4% | 19.3% |
| Cash ConversionOCF / Net Profit | 3.08× | — |
| TTM Free Cash FlowTrailing 4 quarters | $616.8M | $717.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $108.3M | $449.5M | ||
| Q3 25 | $303.7M | $223.4M | ||
| Q2 25 | $30.4M | $77.6M | ||
| Q1 25 | $188.3M | $32.8M | ||
| Q4 24 | $-71.7M | $425.9M | ||
| Q3 24 | $143.1M | $199.4M | ||
| Q2 24 | $113.2M | $86.1M | ||
| Q1 24 | $203.0M | $57.6M |
| Q4 25 | $104.1M | $411.4M | ||
| Q3 25 | $300.3M | $216.7M | ||
| Q2 25 | $27.7M | $66.3M | ||
| Q1 25 | $184.7M | $22.6M | ||
| Q4 24 | $-73.8M | $380.4M | ||
| Q3 24 | $138.8M | $187.7M | ||
| Q2 24 | $111.0M | $72.7M | ||
| Q1 24 | $201.3M | $47.7M |
| Q4 25 | 60.1% | 208.5% | ||
| Q3 25 | 160.9% | 116.1% | ||
| Q2 25 | 14.1% | 31.0% | ||
| Q1 25 | 67.2% | 10.8% | ||
| Q4 24 | -40.4% | 182.5% | ||
| Q3 24 | 77.3% | 107.4% | ||
| Q2 24 | 58.8% | 36.9% | ||
| Q1 24 | 78.1% | 24.5% |
| Q4 25 | 2.4% | 19.3% | ||
| Q3 25 | 1.8% | 3.6% | ||
| Q2 25 | 1.4% | 5.3% | ||
| Q1 25 | 1.3% | 4.8% | ||
| Q4 24 | 1.1% | 21.8% | ||
| Q3 24 | 2.4% | 6.7% | ||
| Q2 24 | 1.2% | 6.8% | ||
| Q1 24 | 0.7% | 5.0% |
| Q4 25 | 3.08× | — | ||
| Q3 25 | 7.83× | — | ||
| Q2 25 | 0.72× | 1.42× | ||
| Q1 25 | 2.51× | 1.01× | ||
| Q4 24 | -2.39× | — | ||
| Q3 24 | 4.27× | 8.06× | ||
| Q2 24 | 2.52× | 2.11× | ||
| Q1 24 | 2.90× | 1.48× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CASH
| Consumer | $103.0M | 59% |
| Payment Card And Deposit Fees | $30.1M | 17% |
| Other | $24.2M | 14% |
| Rental Income | $11.6M | 7% |
| Commercial | $4.2M | 2% |
SFNC
Segment breakdown not available.
