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Side-by-side financial comparison of MONRO, INC. (MNRO) and ServisFirst Bancshares, Inc. (SFBS). Click either name above to swap in a different company.
MONRO, INC. is the larger business by last-quarter revenue ($293.4M vs $159.0M, roughly 1.8× ServisFirst Bancshares, Inc.). ServisFirst Bancshares, Inc. runs the higher net margin — 52.2% vs 3.8%, a 48.4% gap on every dollar of revenue. Over the past eight quarters, ServisFirst Bancshares, Inc.'s revenue compounded faster (17.7% CAGR vs -2.7%).
Monro, Inc. is an automotive services company founded and headquartered in Rochester, New York, U.S. As of 2025, Monro has 1,260 locations making them the second-largest automotive services company in North America after Driven Brands by number of locations and by revenue.
ServisFirst Bancshares, Inc. is a U.S.-based bank holding company operating full-service banking locations primarily across the Southeastern United States. It offers a full suite of commercial banking, consumer banking, wealth management, and mortgage lending services to small and medium-sized businesses, professional clients, and individual consumers.
MNRO vs SFBS — Head-to-Head
Income Statement — Q3 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $293.4M | $159.0M |
| Net Profit | $11.1M | $83.0M |
| Gross Margin | 34.9% | — |
| Operating Margin | 6.3% | — |
| Net Margin | 3.8% | 52.2% |
| Revenue YoY | -4.0% | — |
| Net Profit YoY | 143.1% | 31.2% |
| EPS (diluted) | $0.35 | $1.52 |
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 | — | $159.0M | ||
| Q4 25 | $293.4M | $162.2M | ||
| Q3 25 | $288.9M | $136.3M | ||
| Q2 25 | $301.0M | $132.1M | ||
| Q1 25 | $295.0M | $131.8M | ||
| Q4 24 | $305.8M | $131.9M | ||
| Q3 24 | $301.4M | $123.7M | ||
| Q2 24 | $293.2M | $114.8M |
| Q1 26 | — | $83.0M | ||
| Q4 25 | $11.1M | $86.4M | ||
| Q3 25 | $5.7M | $65.6M | ||
| Q2 25 | $-8.1M | $61.4M | ||
| Q1 25 | $-21.3M | $63.2M | ||
| Q4 24 | $4.6M | $65.2M | ||
| Q3 24 | $5.6M | $59.9M | ||
| Q2 24 | $5.9M | $52.1M |
| Q1 26 | — | — | ||
| Q4 25 | 34.9% | — | ||
| Q3 25 | 35.7% | — | ||
| Q2 25 | 35.5% | — | ||
| Q1 25 | 33.0% | — | ||
| Q4 24 | 34.3% | — | ||
| Q3 24 | 35.3% | — | ||
| Q2 24 | 37.2% | — |
| Q1 26 | — | — | ||
| Q4 25 | 6.3% | 66.3% | ||
| Q3 25 | 4.4% | 57.8% | ||
| Q2 25 | -2.0% | 58.0% | ||
| Q1 25 | -8.1% | 60.0% | ||
| Q4 24 | 3.3% | 60.2% | ||
| Q3 24 | 4.4% | 58.5% | ||
| Q2 24 | 4.5% | 58.0% |
| Q1 26 | — | 52.2% | ||
| Q4 25 | 3.8% | 59.0% | ||
| Q3 25 | 2.0% | 48.1% | ||
| Q2 25 | -2.7% | 46.5% | ||
| Q1 25 | -7.2% | 48.0% | ||
| Q4 24 | 1.5% | 52.9% | ||
| Q3 24 | 1.9% | 48.4% | ||
| Q2 24 | 2.0% | 45.4% |
| Q1 26 | — | $1.52 | ||
| Q4 25 | $0.35 | $1.58 | ||
| Q3 25 | $0.18 | $1.20 | ||
| Q2 25 | $-0.28 | $1.12 | ||
| Q1 25 | $-0.74 | $1.16 | ||
| Q4 24 | $0.15 | $1.19 | ||
| Q3 24 | $0.18 | $1.10 | ||
| Q2 24 | $0.19 | $0.95 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $4.9M | $1.8B |
| Total DebtLower is stronger | $45.0M | — |
| Stockholders' EquityBook value | $604.9M | $1.9B |
| Total Assets | $1.6B | $18.2B |
| Debt / EquityLower = less leverage | 0.07× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $1.8B | ||
| Q4 25 | $4.9M | — | ||
| Q3 25 | $10.5M | — | ||
| Q2 25 | $7.8M | — | ||
| Q1 25 | $20.8M | — | ||
| Q4 24 | $10.2M | — | ||
| Q3 24 | $20.9M | — | ||
| Q2 24 | $18.7M | — |
| Q1 26 | — | — | ||
| Q4 25 | $45.0M | — | ||
| Q3 25 | $60.0M | — | ||
| Q2 25 | $71.5M | — | ||
| Q1 25 | $61.3M | — | ||
| Q4 24 | $59.3M | — | ||
| Q3 24 | $62.0M | — | ||
| Q2 24 | $112.0M | — |
| Q1 26 | — | $1.9B | ||
| Q4 25 | $604.9M | $1.8B | ||
| Q3 25 | $601.7M | $1.8B | ||
| Q2 25 | $604.9M | $1.7B | ||
| Q1 25 | $620.8M | $1.7B | ||
| Q4 24 | $648.9M | $1.6B | ||
| Q3 24 | $651.9M | $1.6B | ||
| Q2 24 | $654.4M | $1.5B |
| Q1 26 | — | $18.2B | ||
| Q4 25 | $1.6B | $17.7B | ||
| Q3 25 | $1.6B | $17.6B | ||
| Q2 25 | $1.6B | $17.4B | ||
| Q1 25 | $1.6B | $18.6B | ||
| Q4 24 | $1.7B | $17.4B | ||
| Q3 24 | $1.7B | $16.4B | ||
| Q2 24 | $1.7B | $16.0B |
| Q1 26 | — | — | ||
| Q4 25 | 0.07× | — | ||
| Q3 25 | 0.10× | — | ||
| Q2 25 | 0.12× | — | ||
| Q1 25 | 0.10× | — | ||
| Q4 24 | 0.09× | — | ||
| Q3 24 | 0.10× | — | ||
| Q2 24 | 0.17× | — |
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 | $17.8M | — |
| Free Cash FlowOCF − Capex | $9.1M | — |
| FCF MarginFCF / Revenue | 3.1% | — |
| Capex IntensityCapex / Revenue | 3.0% | — |
| Cash ConversionOCF / Net Profit | 1.60× | — |
| TTM Free Cash FlowTrailing 4 quarters | $49.6M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $17.8M | $355.2M | ||
| Q3 25 | $32.3M | $140.9M | ||
| Q2 25 | $-1.9M | $67.6M | ||
| Q1 25 | $28.9M | $48.0M | ||
| Q4 24 | $14.8M | $252.9M | ||
| Q3 24 | $62.6M | $84.0M | ||
| Q2 24 | $25.6M | $48.3M |
| Q1 26 | — | — | ||
| Q4 25 | $9.1M | — | ||
| Q3 25 | $26.6M | — | ||
| Q2 25 | $-9.3M | — | ||
| Q1 25 | $23.2M | — | ||
| Q4 24 | $7.9M | — | ||
| Q3 24 | $57.6M | — | ||
| Q2 24 | $16.8M | — |
| Q1 26 | — | — | ||
| Q4 25 | 3.1% | — | ||
| Q3 25 | 9.2% | — | ||
| Q2 25 | -3.1% | — | ||
| Q1 25 | 7.9% | — | ||
| Q4 24 | 2.6% | — | ||
| Q3 24 | 19.1% | — | ||
| Q2 24 | 5.7% | — |
| Q1 26 | — | — | ||
| Q4 25 | 3.0% | — | ||
| Q3 25 | 2.0% | — | ||
| Q2 25 | 2.5% | — | ||
| Q1 25 | 1.9% | — | ||
| Q4 24 | 2.2% | — | ||
| Q3 24 | 1.6% | — | ||
| Q2 24 | 3.0% | — |
| Q1 26 | — | — | ||
| Q4 25 | 1.60× | 4.11× | ||
| Q3 25 | 5.71× | 2.15× | ||
| Q2 25 | — | 1.10× | ||
| Q1 25 | — | 0.76× | ||
| Q4 24 | 3.23× | 3.88× | ||
| Q3 24 | 11.08× | 1.40× | ||
| Q2 24 | 4.37× | 0.93× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
MNRO
| Tires | $150.2M | 51% |
| Maintenance | $73.5M | 25% |
| Brakes | $35.1M | 12% |
| Steering | $24.9M | 8% |
| Batteries | $6.2M | 2% |
| Exhaust | $3.2M | 1% |
SFBS
| Net Interest Income | $148.1M | 93% |
| Noninterest Income | $10.8M | 7% |
