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Side-by-side financial comparison of H2O AMERICA (HTO) and SIMMONS FIRST NATIONAL CORP (SFNC). Click either name above to swap in a different company.
H2O AMERICA is the larger business by last-quarter revenue ($199.4M vs $197.3M, roughly 1.0× SIMMONS FIRST NATIONAL CORP). On growth, SIMMONS FIRST NATIONAL CORP posted the faster year-over-year revenue change (19.6% vs 1.5%). Over the past eight quarters, H2O AMERICA's revenue compounded faster (15.3% CAGR vs 0.6%).
H2O Wireless is a United States-based prepaid cell phone service, that utilizes the AT&T network. It is a brand of the mobile virtual network operator (MVNO) Locus Telecommunications, a subsidiary of Telrite Holdings, Inc., since 2019. Locus was formerly a subsidiary of KDDI America corporation, starting in 2010. H2O Wireless is primarily advertised as a non-restrictive phone service for customers to bring or buy unlocked smartphones, although AT&T contract/locked phones may be accepted as well.
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.
HTO vs SFNC — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $199.4M | $197.3M |
| Net Profit | $16.2M | — |
| Gross Margin | — | — |
| Operating Margin | 16.6% | — |
| Net Margin | 8.1% | — |
| Revenue YoY | 1.5% | 19.6% |
| Net Profit YoY | -29.2% | — |
| EPS (diluted) | $0.45 | $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 | $199.4M | $197.3M | ||
| Q3 25 | $243.5M | $186.7M | ||
| Q2 25 | $197.8M | $214.2M | ||
| Q1 25 | $164.9M | $209.6M | ||
| Q4 24 | $196.5M | $208.5M | ||
| Q3 24 | $216.7M | $174.8M | ||
| Q2 24 | $173.1M | $197.2M | ||
| Q1 24 | $150.0M | $195.1M |
| Q4 25 | $16.2M | — | ||
| Q3 25 | $45.1M | $-562.8M | ||
| Q2 25 | $24.7M | $54.8M | ||
| Q1 25 | $16.6M | $32.4M | ||
| Q4 24 | $22.9M | — | ||
| Q3 24 | $38.7M | $24.7M | ||
| Q2 24 | $20.7M | $40.8M | ||
| Q1 24 | $11.7M | $38.9M |
| Q4 25 | 16.6% | — | ||
| Q3 25 | 26.5% | — | ||
| Q2 25 | 22.2% | — | ||
| Q1 25 | 21.8% | — | ||
| Q4 24 | 22.2% | — | ||
| Q3 24 | 26.9% | — | ||
| Q2 24 | 23.4% | — | ||
| Q1 24 | 18.6% | — |
| Q4 25 | 8.1% | — | ||
| Q3 25 | 18.5% | -301.5% | ||
| Q2 25 | 12.5% | 25.6% | ||
| Q1 25 | 10.0% | 15.5% | ||
| Q4 24 | 11.7% | — | ||
| Q3 24 | 17.8% | 14.1% | ||
| Q2 24 | 12.0% | 20.7% | ||
| Q1 24 | 7.8% | 19.9% |
| Q4 25 | $0.45 | $0.36 | ||
| Q3 25 | $1.27 | $-4.00 | ||
| Q2 25 | $0.71 | $0.43 | ||
| Q1 25 | $0.49 | $0.26 | ||
| Q4 24 | $0.70 | $0.38 | ||
| Q3 24 | $1.17 | $0.20 | ||
| Q2 24 | $0.64 | $0.32 | ||
| Q1 24 | $0.36 | $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 | $20.7M | — |
| Total DebtLower is stronger | $1.9B | $620.0M |
| Stockholders' EquityBook value | $1.5B | $3.4B |
| Total Assets | $5.1B | $24.5B |
| Debt / EquityLower = less leverage | 1.23× | 0.18× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $20.7M | — | ||
| Q3 25 | $11.3M | — | ||
| Q2 25 | $19.8M | — | ||
| Q1 25 | $23.7M | — | ||
| Q4 24 | $11.1M | — | ||
| Q3 24 | $4.0M | — | ||
| Q2 24 | $22.8M | — | ||
| Q1 24 | $4.5M | — |
| Q4 25 | $1.9B | $620.0M | ||
| Q3 25 | — | $667.8M | ||
| Q2 25 | — | $1.0B | ||
| Q1 25 | — | $1.3B | ||
| Q4 24 | $1.7B | $1.1B | ||
| Q3 24 | — | $1.4B | ||
| Q2 24 | — | $1.7B | ||
| Q1 24 | — | $1.2B |
| Q4 25 | $1.5B | $3.4B | ||
| Q3 25 | $1.5B | $3.4B | ||
| Q2 25 | $1.5B | $3.5B | ||
| Q1 25 | $1.4B | $3.5B | ||
| Q4 24 | $1.4B | $3.5B | ||
| Q3 24 | $1.3B | $3.5B | ||
| Q2 24 | $1.3B | $3.5B | ||
| Q1 24 | $1.2B | $3.4B |
| Q4 25 | $5.1B | $24.5B | ||
| Q3 25 | $5.0B | $24.2B | ||
| Q2 25 | $4.8B | $26.7B | ||
| Q1 25 | $4.7B | $26.8B | ||
| Q4 24 | $4.7B | $26.9B | ||
| Q3 24 | $4.6B | $27.3B | ||
| Q2 24 | $4.4B | $27.4B | ||
| Q1 24 | $4.4B | $27.4B |
| Q4 25 | 1.23× | 0.18× | ||
| Q3 25 | — | 0.20× | ||
| Q2 25 | — | 0.28× | ||
| Q1 25 | — | 0.35× | ||
| Q4 24 | 1.26× | 0.32× | ||
| Q3 24 | — | 0.40× | ||
| Q2 24 | — | 0.50× | ||
| Q1 24 | — | 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 | $63.5M | $449.5M |
| Free Cash FlowOCF − Capex | — | $411.4M |
| FCF MarginFCF / Revenue | — | 208.5% |
| Capex IntensityCapex / Revenue | — | 19.3% |
| Cash ConversionOCF / Net Profit | 3.92× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $717.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $63.5M | $449.5M | ||
| Q3 25 | $77.3M | $223.4M | ||
| Q2 25 | $60.8M | $77.6M | ||
| Q1 25 | $43.2M | $32.8M | ||
| Q4 24 | $41.5M | $425.9M | ||
| Q3 24 | $53.5M | $199.4M | ||
| Q2 24 | $49.3M | $86.1M | ||
| Q1 24 | $51.2M | $57.6M |
| Q4 25 | — | $411.4M | ||
| Q3 25 | — | $216.7M | ||
| Q2 25 | — | $66.3M | ||
| Q1 25 | — | $22.6M | ||
| Q4 24 | — | $380.4M | ||
| Q3 24 | — | $187.7M | ||
| Q2 24 | — | $72.7M | ||
| Q1 24 | — | $47.7M |
| Q4 25 | — | 208.5% | ||
| Q3 25 | — | 116.1% | ||
| Q2 25 | — | 31.0% | ||
| Q1 25 | — | 10.8% | ||
| Q4 24 | — | 182.5% | ||
| Q3 24 | — | 107.4% | ||
| Q2 24 | — | 36.9% | ||
| Q1 24 | — | 24.5% |
| Q4 25 | — | 19.3% | ||
| Q3 25 | — | 3.6% | ||
| Q2 25 | — | 5.3% | ||
| Q1 25 | — | 4.8% | ||
| Q4 24 | — | 21.8% | ||
| Q3 24 | — | 6.7% | ||
| Q2 24 | — | 6.8% | ||
| Q1 24 | — | 5.0% |
| Q4 25 | 3.92× | — | ||
| Q3 25 | 1.71× | — | ||
| Q2 25 | 2.47× | 1.42× | ||
| Q1 25 | 2.61× | 1.01× | ||
| Q4 24 | 1.81× | — | ||
| Q3 24 | 1.39× | 8.06× | ||
| Q2 24 | 2.38× | 2.11× | ||
| Q1 24 | 4.38× | 1.48× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
HTO
| Water Utility Services | $191.0M | 96% |
| Other | $8.4M | 4% |
SFNC
Segment breakdown not available.
