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Side-by-side financial comparison of HEARTLAND EXPRESS INC (HTLD) and UNITED BANKSHARES INC (UBSI). Click either name above to swap in a different company.
UNITED BANKSHARES INC is the larger business by last-quarter revenue ($318.4M vs $179.4M, roughly 1.8× HEARTLAND EXPRESS INC). UNITED BANKSHARES INC runs the higher net margin — 40.5% vs -10.8%, a 51.3% gap on every dollar of revenue. On growth, UNITED BANKSHARES INC posted the faster year-over-year revenue change (21.6% vs -26.1%). UNITED BANKSHARES INC produced more free cash flow last quarter ($481.2M vs $-44.2M). Over the past eight quarters, UNITED BANKSHARES INC's revenue compounded faster (11.8% 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.
United Bankshares Inc. (WV) is a regional financial holding company operating mainly across the Mid-Atlantic and Southeastern United States. It provides full-spectrum banking solutions including consumer and commercial lending, deposit products, wealth management, and mortgage services for individual, small business and corporate clients.
HTLD vs UBSI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $179.4M | $318.4M |
| Net Profit | $-19.4M | $128.8M |
| Gross Margin | — | — |
| Operating Margin | -12.7% | 50.2% |
| Net Margin | -10.8% | 40.5% |
| Revenue YoY | -26.1% | 21.6% |
| Net Profit YoY | -949.2% | 36.5% |
| EPS (diluted) | $-0.24 | $0.91 |
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 | $318.4M | ||
| Q3 25 | $196.5M | $323.3M | ||
| Q2 25 | $210.4M | $306.0M | ||
| Q1 25 | $219.4M | $289.6M | ||
| Q4 24 | $242.6M | $261.9M | ||
| Q3 24 | $259.9M | $262.2M | ||
| Q2 24 | $274.8M | $255.9M | ||
| Q1 24 | $270.3M | $254.7M |
| Q4 25 | $-19.4M | $128.8M | ||
| Q3 25 | $-8.3M | $130.7M | ||
| Q2 25 | $-10.9M | $120.7M | ||
| Q1 25 | $-13.9M | $84.3M | ||
| Q4 24 | $-1.9M | $94.4M | ||
| Q3 24 | $-9.3M | $95.3M | ||
| Q2 24 | $-3.5M | $96.5M | ||
| Q1 24 | $-15.1M | $86.8M |
| Q4 25 | -12.7% | 50.2% | ||
| Q3 25 | -3.7% | 50.9% | ||
| Q2 25 | -5.9% | 49.7% | ||
| Q1 25 | -6.8% | 36.9% | ||
| Q4 24 | 0.4% | 46.2% | ||
| Q3 24 | -2.7% | 45.7% | ||
| Q2 24 | 0.1% | 45.1% | ||
| Q1 24 | -5.3% | 42.5% |
| Q4 25 | -10.8% | 40.5% | ||
| Q3 25 | -4.2% | 40.4% | ||
| Q2 25 | -5.2% | 39.5% | ||
| Q1 25 | -6.3% | 29.1% | ||
| Q4 24 | -0.8% | 36.0% | ||
| Q3 24 | -3.6% | 36.3% | ||
| Q2 24 | -1.3% | 37.7% | ||
| Q1 24 | -5.6% | 34.1% |
| Q4 25 | $-0.24 | $0.91 | ||
| Q3 25 | $-0.11 | $0.92 | ||
| Q2 25 | $-0.14 | $0.85 | ||
| Q1 25 | $-0.18 | $0.59 | ||
| Q4 24 | $-0.03 | $0.70 | ||
| Q3 24 | $-0.12 | $0.70 | ||
| Q2 24 | $-0.04 | $0.71 | ||
| Q1 24 | $-0.19 | $0.64 |
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 | — |
| Total DebtLower is stronger | $154.1M | $531.8M |
| Stockholders' EquityBook value | $755.3M | $5.5B |
| Total Assets | $1.2B | $33.7B |
| Debt / EquityLower = less leverage | 0.20× | 0.10× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $18.5M | — | ||
| Q3 25 | $32.7M | — | ||
| Q2 25 | $22.9M | — | ||
| Q1 25 | $23.9M | — | ||
| Q4 24 | $12.8M | — | ||
| Q3 24 | $30.7M | — | ||
| Q2 24 | $23.9M | — | ||
| Q1 24 | $23.8M | — |
| Q4 25 | $154.1M | $531.8M | ||
| Q3 25 | — | $250.0M | ||
| Q2 25 | — | $250.0M | ||
| Q1 25 | — | $250.0M | ||
| Q4 24 | $187.9M | $540.4M | ||
| Q3 24 | — | $260.3M | ||
| Q2 24 | — | $1.2B | ||
| Q1 24 | — | $1.5B |
| Q4 25 | $755.3M | $5.5B | ||
| Q3 25 | $775.6M | $5.4B | ||
| Q2 25 | $786.7M | $5.4B | ||
| Q1 25 | $807.7M | $5.3B | ||
| Q4 24 | $822.6M | $5.0B | ||
| Q3 24 | $825.7M | $5.0B | ||
| Q2 24 | $836.8M | $4.9B | ||
| Q1 24 | $848.8M | $4.8B |
| Q4 25 | $1.2B | $33.7B | ||
| Q3 25 | $1.3B | $33.4B | ||
| Q2 25 | $1.3B | $32.8B | ||
| Q1 25 | $1.3B | $32.8B | ||
| Q4 24 | $1.3B | $30.0B | ||
| Q3 24 | $1.4B | $29.9B | ||
| Q2 24 | $1.4B | $30.0B | ||
| Q1 24 | $1.5B | $30.0B |
| Q4 25 | 0.20× | 0.10× | ||
| Q3 25 | — | 0.05× | ||
| Q2 25 | — | 0.05× | ||
| Q1 25 | — | 0.05× | ||
| Q4 24 | 0.23× | 0.11× | ||
| Q3 24 | — | 0.05× | ||
| Q2 24 | — | 0.25× | ||
| Q1 24 | — | 0.30× |
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 | $498.9M |
| Free Cash FlowOCF − Capex | $-44.2M | $481.2M |
| FCF MarginFCF / Revenue | -24.6% | 151.1% |
| Capex IntensityCapex / Revenue | 33.0% | 5.6% |
| Cash ConversionOCF / Net Profit | — | 3.87× |
| TTM Free Cash FlowTrailing 4 quarters | $-66.9M | $828.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $14.9M | $498.9M | ||
| Q3 25 | $27.5M | $150.6M | ||
| Q2 25 | $21.0M | $89.4M | ||
| Q1 25 | $25.8M | $120.0M | ||
| Q4 24 | $37.8M | $445.5M | ||
| Q3 24 | $35.6M | $123.6M | ||
| Q2 24 | $40.0M | $61.2M | ||
| Q1 24 | $31.0M | $124.4M |
| Q4 25 | $-44.2M | $481.2M | ||
| Q3 25 | $-12.2M | $146.4M | ||
| Q2 25 | $-12.8M | $85.2M | ||
| Q1 25 | $2.3M | $116.1M | ||
| Q4 24 | $-45.5M | $433.3M | ||
| Q3 24 | $24.6M | $122.0M | ||
| Q2 24 | $29.4M | $58.2M | ||
| Q1 24 | $26.3M | $119.6M |
| Q4 25 | -24.6% | 151.1% | ||
| Q3 25 | -6.2% | 45.3% | ||
| Q2 25 | -6.1% | 27.8% | ||
| Q1 25 | 1.0% | 40.1% | ||
| Q4 24 | -18.8% | 165.4% | ||
| Q3 24 | 9.5% | 46.5% | ||
| Q2 24 | 10.7% | 22.7% | ||
| Q1 24 | 9.7% | 47.0% |
| Q4 25 | 33.0% | 5.6% | ||
| Q3 25 | 20.2% | 1.3% | ||
| Q2 25 | 16.1% | 1.4% | ||
| Q1 25 | 10.7% | 1.3% | ||
| Q4 24 | 34.3% | 4.6% | ||
| Q3 24 | 4.2% | 0.6% | ||
| Q2 24 | 3.8% | 1.2% | ||
| Q1 24 | 1.7% | 1.9% |
| Q4 25 | — | 3.87× | ||
| Q3 25 | — | 1.15× | ||
| Q2 25 | — | 0.74× | ||
| Q1 25 | — | 1.42× | ||
| Q4 24 | — | 4.72× | ||
| Q3 24 | — | 1.30× | ||
| Q2 24 | — | 0.63× | ||
| Q1 24 | — | 1.43× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
