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Side-by-side financial comparison of Eastern Bankshares, Inc. (EBC) and UNIVERSAL TECHNICAL INSTITUTE INC (UTI). Click either name above to swap in a different company.
Eastern Bankshares, Inc. is the larger business by last-quarter revenue ($295.9M vs $220.8M, roughly 1.3× UNIVERSAL TECHNICAL INSTITUTE INC). Eastern Bankshares, Inc. runs the higher net margin — 22.1% vs 5.8%, a 16.3% gap on every dollar of revenue. On growth, Eastern Bankshares, Inc. posted the faster year-over-year revenue change (710.6% vs 9.6%). Over the past eight quarters, Eastern Bankshares, Inc.'s revenue compounded faster (38.6% CAGR vs 9.5%).
Eastern Bank is a bank based in Boston, Massachusetts. Before de-mutualizing in 2020, it was the oldest and largest mutual bank in the United States and the largest community bank in Massachusetts.
Universal Technical Institute, Inc. (UTI) is a private for-profit system of technical colleges in the United States. It was established in 1965 by Robert Sweet.
EBC vs UTI — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $295.9M | $220.8M |
| Net Profit | $65.3M | $12.8M |
| Gross Margin | — | — |
| Operating Margin | — | 7.1% |
| Net Margin | 22.1% | 5.8% |
| Revenue YoY | 710.6% | 9.6% |
| Net Profit YoY | -34.4% | -42.1% |
| EPS (diluted) | $0.29 | $0.23 |
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 | $295.9M | — | ||
| Q4 25 | $37.5M | $220.8M | ||
| Q3 25 | $241.5M | $222.4M | ||
| Q2 25 | $244.9M | $204.3M | ||
| Q1 25 | $31.1M | $207.4M | ||
| Q4 24 | $216.5M | $201.4M | ||
| Q3 24 | $203.4M | $196.4M | ||
| Q2 24 | $154.0M | $177.5M |
| Q1 26 | $65.3M | — | ||
| Q4 25 | $99.5M | $12.8M | ||
| Q3 25 | $106.1M | $18.8M | ||
| Q2 25 | $100.2M | $10.7M | ||
| Q1 25 | $-217.7M | $11.4M | ||
| Q4 24 | $60.8M | $22.2M | ||
| Q3 24 | $-6.2M | $18.8M | ||
| Q2 24 | $26.3M | $5.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | 7.1% | ||
| Q3 25 | 38.9% | 11.2% | ||
| Q2 25 | 41.0% | 6.9% | ||
| Q1 25 | -590.9% | 8.1% | ||
| Q4 24 | 33.3% | 13.6% | ||
| Q3 24 | -1.6% | 13.3% | ||
| Q2 24 | 24.7% | 4.2% |
| Q1 26 | 22.1% | — | ||
| Q4 25 | 265.6% | 5.8% | ||
| Q3 25 | 44.0% | 8.4% | ||
| Q2 25 | 40.9% | 5.2% | ||
| Q1 25 | -699.2% | 5.5% | ||
| Q4 24 | 28.1% | 11.0% | ||
| Q3 24 | -3.0% | 9.6% | ||
| Q2 24 | 17.1% | 2.8% |
| Q1 26 | $0.29 | — | ||
| Q4 25 | $0.48 | $0.23 | ||
| Q3 25 | $0.53 | $0.33 | ||
| Q2 25 | $0.50 | $0.19 | ||
| Q1 25 | $-1.08 | $0.21 | ||
| Q4 24 | $0.29 | $0.40 | ||
| Q3 24 | $-0.03 | $0.35 | ||
| Q2 24 | $0.16 | $0.09 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $551.7M | $162.8M |
| Total DebtLower is stronger | — | $101.4M |
| Stockholders' EquityBook value | $4.3B | $335.9M |
| Total Assets | $30.6B | $834.0M |
| Debt / EquityLower = less leverage | — | 0.30× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $551.7M | — | ||
| Q4 25 | $507.6M | $162.8M | ||
| Q3 25 | $703.4M | $169.1M | ||
| Q2 25 | $948.3M | $70.7M | ||
| Q1 25 | $609.0M | $96.0M | ||
| Q4 24 | $1.9B | $172.0M | ||
| Q3 24 | $1.7B | $161.9M | ||
| Q2 24 | $1.4B | $115.5M |
| Q1 26 | — | — | ||
| Q4 25 | — | $101.4M | ||
| Q3 25 | — | $87.1M | ||
| Q2 25 | — | $73.8M | ||
| Q1 25 | — | $94.4M | ||
| Q4 24 | — | $120.1M | ||
| Q3 24 | — | $125.7M | ||
| Q2 24 | — | $137.3M |
| Q1 26 | $4.3B | — | ||
| Q4 25 | $4.3B | $335.9M | ||
| Q3 25 | $3.8B | $328.1M | ||
| Q2 25 | $3.7B | $306.8M | ||
| Q1 25 | $3.6B | $293.9M | ||
| Q4 24 | $3.6B | $280.0M | ||
| Q3 24 | $3.7B | $260.2M | ||
| Q2 24 | $3.0B | $239.4M |
| Q1 26 | $30.6B | — | ||
| Q4 25 | $30.6B | $834.0M | ||
| Q3 25 | $25.5B | $826.1M | ||
| Q2 25 | $25.5B | $740.8M | ||
| Q1 25 | $25.0B | $720.4M | ||
| Q4 24 | $25.6B | $753.8M | ||
| Q3 24 | $25.5B | $744.6M | ||
| Q2 24 | $21.0B | $706.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.30× | ||
| Q3 25 | — | 0.27× | ||
| Q2 25 | — | 0.24× | ||
| Q1 25 | — | 0.32× | ||
| Q4 24 | — | 0.43× | ||
| Q3 24 | — | 0.48× | ||
| Q2 24 | — | 0.57× |
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 | — | $3.1M |
| Free Cash FlowOCF − Capex | — | $-19.2M |
| FCF MarginFCF / Revenue | — | -8.7% |
| Capex IntensityCapex / Revenue | — | 10.1% |
| Cash ConversionOCF / Net Profit | — | 0.24× |
| TTM Free Cash FlowTrailing 4 quarters | — | $16.6M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $432.4M | $3.1M | ||
| Q3 25 | $157.1M | $57.1M | ||
| Q2 25 | $123.9M | $18.1M | ||
| Q1 25 | $47.3M | $-789.0K | ||
| Q4 24 | $283.8M | $23.0M | ||
| Q3 24 | $108.3M | $67.5M | ||
| Q2 24 | $54.3M | $10.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | $-19.2M | ||
| Q3 25 | — | $40.6M | ||
| Q2 25 | — | $6.8M | ||
| Q1 25 | — | $-11.7M | ||
| Q4 24 | — | $19.6M | ||
| Q3 24 | — | $60.0M | ||
| Q2 24 | — | $3.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | -8.7% | ||
| Q3 25 | — | 18.3% | ||
| Q2 25 | — | 3.4% | ||
| Q1 25 | — | -5.7% | ||
| Q4 24 | — | 9.7% | ||
| Q3 24 | — | 30.6% | ||
| Q2 24 | — | 1.7% |
| Q1 26 | — | — | ||
| Q4 25 | — | 10.1% | ||
| Q3 25 | — | 7.4% | ||
| Q2 25 | — | 5.5% | ||
| Q1 25 | — | 5.3% | ||
| Q4 24 | — | 1.7% | ||
| Q3 24 | — | 3.8% | ||
| Q2 24 | — | 4.0% |
| Q1 26 | — | — | ||
| Q4 25 | 4.35× | 0.24× | ||
| Q3 25 | 1.48× | 3.04× | ||
| Q2 25 | 1.24× | 1.69× | ||
| Q1 25 | — | -0.07× | ||
| Q4 24 | 4.67× | 1.04× | ||
| Q3 24 | — | 3.58× | ||
| Q2 24 | 2.06× | 2.01× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
EBC
Segment breakdown not available.
UTI
| UTI | $142.8M | 65% |
| Concorde | $78.0M | 35% |
