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Side-by-side financial comparison of CPI Card Group Inc. (PMTS) and SIMMONS FIRST NATIONAL CORP (SFNC). Click either name above to swap in a different company.
SIMMONS FIRST NATIONAL CORP is the larger business by last-quarter revenue ($197.3M vs $153.1M, roughly 1.3× CPI Card Group Inc.). On growth, CPI Card Group Inc. posted the faster year-over-year revenue change (22.3% vs 19.6%). SIMMONS FIRST NATIONAL CORP produced more free cash flow last quarter ($411.4M vs $35.2M). Over the past eight quarters, CPI Card Group Inc.'s revenue compounded faster (16.9% CAGR vs 0.6%).
CPI Card Group Inc. is a leading provider of payment card production and associated solutions, including contactless and contact credit/debit cards, prepaid cards, and card personalization services. It primarily serves financial institutions, fintech firms, and retail brands across its core North American market.
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.
PMTS vs SFNC — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $153.1M | $197.3M |
| Net Profit | $7.3M | — |
| Gross Margin | 31.5% | — |
| Operating Margin | 12.0% | — |
| Net Margin | 4.8% | — |
| Revenue YoY | 22.3% | 19.6% |
| Net Profit YoY | 8.5% | — |
| EPS (diluted) | $0.62 | $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 | $153.1M | $197.3M | ||
| Q3 25 | $138.0M | $186.7M | ||
| Q2 25 | $129.8M | $214.2M | ||
| Q1 25 | $122.8M | $209.6M | ||
| Q4 24 | $125.1M | $208.5M | ||
| Q3 24 | $124.8M | $174.8M | ||
| Q2 24 | $118.8M | $197.2M | ||
| Q1 24 | $111.9M | $195.1M |
| Q4 25 | $7.3M | — | ||
| Q3 25 | $2.3M | $-562.8M | ||
| Q2 25 | $518.0K | $54.8M | ||
| Q1 25 | $4.8M | $32.4M | ||
| Q4 24 | $6.8M | — | ||
| Q3 24 | $1.3M | $24.7M | ||
| Q2 24 | $6.0M | $40.8M | ||
| Q1 24 | $5.5M | $38.9M |
| Q4 25 | 31.5% | — | ||
| Q3 25 | 29.7% | — | ||
| Q2 25 | 30.9% | — | ||
| Q1 25 | 33.2% | — | ||
| Q4 24 | 34.1% | — | ||
| Q3 24 | 35.8% | — | ||
| Q2 24 | 35.7% | — | ||
| Q1 24 | 37.1% | — |
| Q4 25 | 12.0% | — | ||
| Q3 25 | 9.4% | — | ||
| Q2 25 | 7.3% | — | ||
| Q1 25 | 11.5% | — | ||
| Q4 24 | 12.7% | — | ||
| Q3 24 | 14.3% | — | ||
| Q2 24 | 12.5% | — | ||
| Q1 24 | 12.6% | — |
| Q4 25 | 4.8% | — | ||
| Q3 25 | 1.7% | -301.5% | ||
| Q2 25 | 0.4% | 25.6% | ||
| Q1 25 | 3.9% | 15.5% | ||
| Q4 24 | 5.4% | — | ||
| Q3 24 | 1.0% | 14.1% | ||
| Q2 24 | 5.1% | 20.7% | ||
| Q1 24 | 4.9% | 19.9% |
| Q4 25 | $0.62 | $0.36 | ||
| Q3 25 | $0.19 | $-4.00 | ||
| Q2 25 | $0.04 | $0.43 | ||
| Q1 25 | $0.40 | $0.26 | ||
| Q4 24 | $0.56 | $0.38 | ||
| Q3 24 | $0.11 | $0.20 | ||
| Q2 24 | $0.51 | $0.32 | ||
| Q1 24 | $0.46 | $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 | $21.7M | — |
| Total DebtLower is stronger | $286.7M | $620.0M |
| Stockholders' EquityBook value | $-17.3M | $3.4B |
| Total Assets | $403.2M | $24.5B |
| Debt / EquityLower = less leverage | — | 0.18× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $21.7M | — | ||
| Q3 25 | $16.0M | — | ||
| Q2 25 | $17.1M | — | ||
| Q1 25 | $31.5M | — | ||
| Q4 24 | $33.5M | — | ||
| Q3 24 | $14.7M | — | ||
| Q2 24 | $7.5M | — | ||
| Q1 24 | $17.1M | — |
| Q4 25 | $286.7M | $620.0M | ||
| Q3 25 | $308.4M | $667.8M | ||
| Q2 25 | $310.9M | $1.0B | ||
| Q1 25 | $280.7M | $1.3B | ||
| Q4 24 | $280.4M | $1.1B | ||
| Q3 24 | $280.2M | $1.4B | ||
| Q2 24 | $269.7M | $1.7B | ||
| Q1 24 | $265.3M | $1.2B |
| Q4 25 | $-17.3M | $3.4B | ||
| Q3 25 | $-25.7M | $3.4B | ||
| Q2 25 | $-29.0M | $3.5B | ||
| Q1 25 | $-29.7M | $3.5B | ||
| Q4 24 | $-35.6M | $3.5B | ||
| Q3 24 | $-42.8M | $3.5B | ||
| Q2 24 | $-44.6M | $3.5B | ||
| Q1 24 | $-48.5M | $3.4B |
| Q4 25 | $403.2M | $24.5B | ||
| Q3 25 | $407.1M | $24.2B | ||
| Q2 25 | $399.8M | $26.7B | ||
| Q1 25 | $351.9M | $26.8B | ||
| Q4 24 | $349.7M | $26.9B | ||
| Q3 24 | $342.3M | $27.3B | ||
| Q2 24 | $321.4M | $27.4B | ||
| Q1 24 | $319.8M | $27.4B |
| Q4 25 | — | 0.18× | ||
| Q3 25 | — | 0.20× | ||
| Q2 25 | — | 0.28× | ||
| Q1 25 | — | 0.35× | ||
| Q4 24 | — | 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 | $39.6M | $449.5M |
| Free Cash FlowOCF − Capex | $35.2M | $411.4M |
| FCF MarginFCF / Revenue | 23.0% | 208.5% |
| Capex IntensityCapex / Revenue | 2.9% | 19.3% |
| Cash ConversionOCF / Net Profit | 5.39× | — |
| TTM Free Cash FlowTrailing 4 quarters | $41.3M | $717.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $39.6M | $449.5M | ||
| Q3 25 | $10.0M | $223.4M | ||
| Q2 25 | $4.3M | $77.6M | ||
| Q1 25 | $5.6M | $32.8M | ||
| Q4 24 | $26.7M | $425.9M | ||
| Q3 24 | $12.5M | $199.4M | ||
| Q2 24 | $-4.8M | $86.1M | ||
| Q1 24 | $8.9M | $57.6M |
| Q4 25 | $35.2M | $411.4M | ||
| Q3 25 | $5.3M | $216.7M | ||
| Q2 25 | $533.0K | $66.3M | ||
| Q1 25 | $292.0K | $22.6M | ||
| Q4 24 | $21.6M | $380.4M | ||
| Q3 24 | $11.1M | $187.7M | ||
| Q2 24 | $-6.0M | $72.7M | ||
| Q1 24 | $7.4M | $47.7M |
| Q4 25 | 23.0% | 208.5% | ||
| Q3 25 | 3.8% | 116.1% | ||
| Q2 25 | 0.4% | 31.0% | ||
| Q1 25 | 0.2% | 10.8% | ||
| Q4 24 | 17.3% | 182.5% | ||
| Q3 24 | 8.9% | 107.4% | ||
| Q2 24 | -5.0% | 36.9% | ||
| Q1 24 | 6.6% | 24.5% |
| Q4 25 | 2.9% | 19.3% | ||
| Q3 25 | 3.4% | 3.6% | ||
| Q2 25 | 2.9% | 5.3% | ||
| Q1 25 | 4.3% | 4.8% | ||
| Q4 24 | 4.0% | 21.8% | ||
| Q3 24 | 1.2% | 6.7% | ||
| Q2 24 | 1.0% | 6.8% | ||
| Q1 24 | 1.3% | 5.0% |
| Q4 25 | 5.39× | — | ||
| Q3 25 | 4.32× | — | ||
| Q2 25 | 8.39× | 1.42× | ||
| Q1 25 | 1.17× | 1.01× | ||
| Q4 24 | 3.94× | — | ||
| Q3 24 | 9.70× | 8.06× | ||
| Q2 24 | -0.79× | 2.11× | ||
| Q1 24 | 1.63× | 1.48× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
SFNC
Segment breakdown not available.
