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Side-by-side financial comparison of FIRST COMMONWEALTH FINANCIAL CORP (FCF) and UNIVERSAL TECHNICAL INSTITUTE INC (UTI). Click either name above to swap in a different company.
UNIVERSAL TECHNICAL INSTITUTE INC is the larger business by last-quarter revenue ($220.8M vs $133.7M, roughly 1.7× FIRST COMMONWEALTH FINANCIAL CORP). FIRST COMMONWEALTH FINANCIAL CORP runs the higher net margin — 28.1% vs 5.8%, a 22.3% gap on every dollar of revenue. On growth, FIRST COMMONWEALTH FINANCIAL CORP posted the faster year-over-year revenue change (13.0% vs 9.6%). Over the past eight quarters, UNIVERSAL TECHNICAL INSTITUTE INC's revenue compounded faster (9.5% CAGR vs 5.5%).
First Commonwealth Financial Corp is a Pennsylvania-based regional financial services holding company. It offers consumer and commercial banking products, loans, wealth management, and insurance services for individuals, small and mid-sized enterprises across central and western Pennsylvania and Ohio.
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.
FCF vs UTI — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $133.7M | $220.8M |
| Net Profit | $37.5M | $12.8M |
| Gross Margin | — | — |
| Operating Margin | — | 7.1% |
| Net Margin | 28.1% | 5.8% |
| Revenue YoY | 13.0% | 9.6% |
| Net Profit YoY | 14.8% | -42.1% |
| EPS (diluted) | $0.37 | $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 | $133.7M | — | ||
| Q4 25 | $137.9M | $220.8M | ||
| Q3 25 | $136.0M | $222.4M | ||
| Q2 25 | $131.0M | $204.3M | ||
| Q1 25 | $118.0M | $207.4M | ||
| Q4 24 | $120.4M | $201.4M | ||
| Q3 24 | $121.2M | $196.4M | ||
| Q2 24 | $120.2M | $177.5M |
| Q1 26 | $37.5M | — | ||
| Q4 25 | $44.9M | $12.8M | ||
| Q3 25 | $41.3M | $18.8M | ||
| Q2 25 | $33.4M | $10.7M | ||
| Q1 25 | $32.7M | $11.4M | ||
| Q4 24 | $35.8M | $22.2M | ||
| Q3 24 | $32.1M | $18.8M | ||
| Q2 24 | $37.1M | $5.0M |
| Q1 26 | — | — | ||
| Q4 25 | 40.9% | 7.1% | ||
| Q3 25 | 38.1% | 11.2% | ||
| Q2 25 | 32.1% | 6.9% | ||
| Q1 25 | 34.8% | 8.1% | ||
| Q4 24 | 37.1% | 13.6% | ||
| Q3 24 | 33.4% | 13.3% | ||
| Q2 24 | 38.7% | 4.2% |
| Q1 26 | 28.1% | — | ||
| Q4 25 | 32.5% | 5.8% | ||
| Q3 25 | 30.4% | 8.4% | ||
| Q2 25 | 25.5% | 5.2% | ||
| Q1 25 | 27.7% | 5.5% | ||
| Q4 24 | 29.8% | 11.0% | ||
| Q3 24 | 26.5% | 9.6% | ||
| Q2 24 | 30.9% | 2.8% |
| Q1 26 | $0.37 | — | ||
| Q4 25 | $0.44 | $0.23 | ||
| Q3 25 | $0.39 | $0.33 | ||
| Q2 25 | $0.32 | $0.19 | ||
| Q1 25 | $0.32 | $0.21 | ||
| Q4 24 | $0.35 | $0.40 | ||
| Q3 24 | $0.31 | $0.35 | ||
| Q2 24 | $0.36 | $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 | — | $162.8M |
| Total DebtLower is stronger | $154.9M | $101.4M |
| Stockholders' EquityBook value | $1.6B | $335.9M |
| Total Assets | $12.3B | $834.0M |
| Debt / EquityLower = less leverage | 0.10× | 0.30× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $162.8M | ||
| Q3 25 | — | $169.1M | ||
| Q2 25 | — | $70.7M | ||
| Q1 25 | — | $96.0M | ||
| Q4 24 | — | $172.0M | ||
| Q3 24 | — | $161.9M | ||
| Q2 24 | — | $115.5M |
| Q1 26 | $154.9M | — | ||
| Q4 25 | $261.7M | $101.4M | ||
| Q3 25 | $262.1M | $87.1M | ||
| Q2 25 | $262.4M | $73.8M | ||
| Q1 25 | $262.7M | $94.4M | ||
| Q4 24 | $263.0M | $120.1M | ||
| Q3 24 | $136.3M | $125.7M | ||
| Q2 24 | $136.6M | $137.3M |
| Q1 26 | $1.6B | — | ||
| Q4 25 | $1.6B | $335.9M | ||
| Q3 25 | $1.5B | $328.1M | ||
| Q2 25 | $1.5B | $306.8M | ||
| Q1 25 | $1.4B | $293.9M | ||
| Q4 24 | $1.4B | $280.0M | ||
| Q3 24 | $1.4B | $260.2M | ||
| Q2 24 | $1.4B | $239.4M |
| Q1 26 | $12.3B | — | ||
| Q4 25 | $12.3B | $834.0M | ||
| Q3 25 | $12.3B | $826.1M | ||
| Q2 25 | $12.2B | $740.8M | ||
| Q1 25 | $11.8B | $720.4M | ||
| Q4 24 | $11.6B | $753.8M | ||
| Q3 24 | $12.0B | $744.6M | ||
| Q2 24 | $11.6B | $706.0M |
| Q1 26 | 0.10× | — | ||
| Q4 25 | 0.17× | 0.30× | ||
| Q3 25 | 0.17× | 0.27× | ||
| Q2 25 | 0.17× | 0.24× | ||
| Q1 25 | 0.18× | 0.32× | ||
| Q4 24 | 0.19× | 0.43× | ||
| Q3 24 | 0.10× | 0.48× | ||
| Q2 24 | 0.10× | 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 | $187.5M | $3.1M | ||
| Q3 25 | $49.5M | $57.1M | ||
| Q2 25 | $30.4M | $18.1M | ||
| Q1 25 | $55.9M | $-789.0K | ||
| Q4 24 | $129.5M | $23.0M | ||
| Q3 24 | $53.6M | $67.5M | ||
| Q2 24 | $22.7M | $10.0M |
| Q1 26 | — | — | ||
| Q4 25 | $171.5M | $-19.2M | ||
| Q3 25 | — | $40.6M | ||
| Q2 25 | — | $6.8M | ||
| Q1 25 | — | $-11.7M | ||
| Q4 24 | $113.9M | $19.6M | ||
| Q3 24 | — | $60.0M | ||
| Q2 24 | — | $3.0M |
| Q1 26 | — | — | ||
| Q4 25 | 124.3% | -8.7% | ||
| Q3 25 | — | 18.3% | ||
| Q2 25 | — | 3.4% | ||
| Q1 25 | — | -5.7% | ||
| Q4 24 | 94.6% | 9.7% | ||
| Q3 24 | — | 30.6% | ||
| Q2 24 | — | 1.7% |
| Q1 26 | — | — | ||
| Q4 25 | 11.7% | 10.1% | ||
| Q3 25 | — | 7.4% | ||
| Q2 25 | — | 5.5% | ||
| Q1 25 | — | 5.3% | ||
| Q4 24 | 12.9% | 1.7% | ||
| Q3 24 | — | 3.8% | ||
| Q2 24 | — | 4.0% |
| Q1 26 | — | — | ||
| Q4 25 | 4.18× | 0.24× | ||
| Q3 25 | 1.20× | 3.04× | ||
| Q2 25 | 0.91× | 1.69× | ||
| Q1 25 | 1.71× | -0.07× | ||
| Q4 24 | 3.61× | 1.04× | ||
| Q3 24 | 1.67× | 3.58× | ||
| Q2 24 | 0.61× | 2.01× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
FCF
Segment breakdown not available.
UTI
| UTI | $142.8M | 65% |
| Concorde | $78.0M | 35% |
