vs
Side-by-side financial comparison of HEARTLAND EXPRESS INC (HTLD) and TRICO BANCSHARES (TCBK). Click either name above to swap in a different company.
HEARTLAND EXPRESS INC is the larger business by last-quarter revenue ($179.4M vs $109.4M, roughly 1.6× TRICO BANCSHARES ). TRICO BANCSHARES runs the higher net margin — 251.6% vs -10.8%, a 262.5% gap on every dollar of revenue. On growth, TRICO BANCSHARES posted the faster year-over-year revenue change (9.0% vs -26.1%). TRICO BANCSHARES produced more free cash flow last quarter ($127.9M vs $-44.2M). Over the past eight quarters, TRICO BANCSHARES 's revenue compounded faster (5.4% CAGR vs -18.5%).
Heartland Express is an American trucking company headquartered in North Liberty, Iowa. The company offers truckload shipping services across the United States.
Trico Bancshares is a U.S.-headquartered regional bank holding company operating Tri Counties Bank. It offers a full range of retail and commercial banking services including deposit products, mortgages, small business loans, and wealth management, primarily serving consumers and SMEs in Northern California.
HTLD vs TCBK — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $179.4M | $109.4M |
| Net Profit | $-19.4M | $33.6M |
| Gross Margin | — | — |
| Operating Margin | -12.7% | 42.6% |
| Net Margin | -10.8% | 251.6% |
| Revenue YoY | -26.1% | 9.0% |
| Net Profit YoY | -949.2% | 15.8% |
| EPS (diluted) | $-0.24 | $1.02 |
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 | $179.4M | $109.4M | ||
| Q3 25 | $196.5M | $107.6M | ||
| Q2 25 | $210.4M | $103.6M | ||
| Q1 25 | $219.4M | $98.6M | ||
| Q4 24 | $242.6M | $100.4M | ||
| Q3 24 | $259.9M | $99.1M | ||
| Q2 24 | $274.8M | $97.9M | ||
| Q1 24 | $270.3M | $98.5M |
| Q4 25 | $-19.4M | $33.6M | ||
| Q3 25 | $-8.3M | $34.0M | ||
| Q2 25 | $-10.9M | $27.5M | ||
| Q1 25 | $-13.9M | $26.4M | ||
| Q4 24 | $-1.9M | $29.0M | ||
| Q3 24 | $-9.3M | $29.1M | ||
| Q2 24 | $-3.5M | $29.0M | ||
| Q1 24 | $-15.1M | $27.7M |
| Q4 25 | -12.7% | 42.6% | ||
| Q3 25 | -3.7% | 43.2% | ||
| Q2 25 | -5.9% | 36.5% | ||
| Q1 25 | -6.8% | 35.8% | ||
| Q4 24 | 0.4% | 38.7% | ||
| Q3 24 | -2.7% | 39.8% | ||
| Q2 24 | 0.1% | 40.0% | ||
| Q1 24 | -5.3% | 38.3% |
| Q4 25 | -10.8% | 251.6% | ||
| Q3 25 | -4.2% | 31.6% | ||
| Q2 25 | -5.2% | 26.6% | ||
| Q1 25 | -6.3% | 26.7% | ||
| Q4 24 | -0.8% | 221.4% | ||
| Q3 24 | -3.6% | 29.3% | ||
| Q2 24 | -1.3% | 29.7% | ||
| Q1 24 | -5.6% | 28.2% |
| Q4 25 | $-0.24 | $1.02 | ||
| Q3 25 | $-0.11 | $1.04 | ||
| Q2 25 | $-0.14 | $0.84 | ||
| Q1 25 | $-0.18 | $0.80 | ||
| Q4 24 | $-0.03 | $0.88 | ||
| Q3 24 | $-0.12 | $0.88 | ||
| Q2 24 | $-0.04 | $0.87 | ||
| Q1 24 | $-0.19 | $0.83 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $18.5M | $157.0M |
| Total DebtLower is stronger | $154.1M | — |
| Stockholders' EquityBook value | $755.3M | $1.3B |
| Total Assets | $1.2B | $9.8B |
| Debt / EquityLower = less leverage | 0.20× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $18.5M | $157.0M | ||
| Q3 25 | $32.7M | $298.8M | ||
| Q2 25 | $22.9M | $314.3M | ||
| Q1 25 | $23.9M | $308.3M | ||
| Q4 24 | $12.8M | $145.0M | ||
| Q3 24 | $30.7M | $320.1M | ||
| Q2 24 | $23.9M | $206.6M | ||
| Q1 24 | $23.8M | $82.8M |
| Q4 25 | $154.1M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $187.9M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $755.3M | $1.3B | ||
| Q3 25 | $775.6M | $1.3B | ||
| Q2 25 | $786.7M | $1.3B | ||
| Q1 25 | $807.7M | $1.3B | ||
| Q4 24 | $822.6M | $1.2B | ||
| Q3 24 | $825.7M | $1.2B | ||
| Q2 24 | $836.8M | $1.2B | ||
| Q1 24 | $848.8M | $1.2B |
| Q4 25 | $1.2B | $9.8B | ||
| Q3 25 | $1.3B | $9.9B | ||
| Q2 25 | $1.3B | $9.9B | ||
| Q1 25 | $1.3B | $9.8B | ||
| Q4 24 | $1.3B | $9.7B | ||
| Q3 24 | $1.4B | $9.8B | ||
| Q2 24 | $1.4B | $9.7B | ||
| Q1 24 | $1.5B | $9.8B |
| Q4 25 | 0.20× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.23× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $14.9M | $133.3M |
| Free Cash FlowOCF − Capex | $-44.2M | $127.9M |
| FCF MarginFCF / Revenue | -24.6% | 116.9% |
| Capex IntensityCapex / Revenue | 33.0% | 4.9% |
| Cash ConversionOCF / Net Profit | — | 3.96× |
| TTM Free Cash FlowTrailing 4 quarters | $-66.9M | $222.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $14.9M | $133.3M | ||
| Q3 25 | $27.5M | $45.1M | ||
| Q2 25 | $21.0M | $29.2M | ||
| Q1 25 | $25.8M | $24.5M | ||
| Q4 24 | $37.8M | $109.7M | ||
| Q3 24 | $35.6M | $28.6M | ||
| Q2 24 | $40.0M | $31.8M | ||
| Q1 24 | $31.0M | $25.1M |
| Q4 25 | $-44.2M | $127.9M | ||
| Q3 25 | $-12.2M | $43.2M | ||
| Q2 25 | $-12.8M | $28.2M | ||
| Q1 25 | $2.3M | $22.8M | ||
| Q4 24 | $-45.5M | $105.2M | ||
| Q3 24 | $24.6M | $27.3M | ||
| Q2 24 | $29.4M | $30.8M | ||
| Q1 24 | $26.3M | $24.1M |
| Q4 25 | -24.6% | 116.9% | ||
| Q3 25 | -6.2% | 40.2% | ||
| Q2 25 | -6.1% | 27.2% | ||
| Q1 25 | 1.0% | 23.1% | ||
| Q4 24 | -18.8% | 104.8% | ||
| Q3 24 | 9.5% | 27.6% | ||
| Q2 24 | 10.7% | 31.5% | ||
| Q1 24 | 9.7% | 24.4% |
| Q4 25 | 33.0% | 4.9% | ||
| Q3 25 | 20.2% | 1.7% | ||
| Q2 25 | 16.1% | 1.0% | ||
| Q1 25 | 10.7% | 1.7% | ||
| Q4 24 | 34.3% | 4.5% | ||
| Q3 24 | 4.2% | 1.3% | ||
| Q2 24 | 3.8% | 1.0% | ||
| Q1 24 | 1.7% | 1.0% |
| Q4 25 | — | 3.96× | ||
| Q3 25 | — | 1.33× | ||
| Q2 25 | — | 1.06× | ||
| Q1 25 | — | 0.93× | ||
| Q4 24 | — | 3.78× | ||
| Q3 24 | — | 0.98× | ||
| Q2 24 | — | 1.10× | ||
| Q1 24 | — | 0.90× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
