vs
Side-by-side financial comparison of ServisFirst Bancshares, Inc. (SFBS) and UNIVERSAL TECHNICAL INSTITUTE INC (UTI). Click either name above to swap in a different company.
UNIVERSAL TECHNICAL INSTITUTE INC is the larger business by last-quarter revenue ($220.8M vs $159.0M, roughly 1.4× ServisFirst Bancshares, Inc.). ServisFirst Bancshares, Inc. runs the higher net margin — 52.2% vs 5.8%, a 46.4% gap on every dollar of revenue. Over the past eight quarters, ServisFirst Bancshares, Inc.'s revenue compounded faster (17.7% CAGR vs 9.5%).
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.
Universal Technical Institute, Inc. (UTI) is a private for-profit system of technical colleges in the United States. It was established in 1965 by Robert Sweet.
SFBS vs UTI — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $159.0M | $220.8M |
| Net Profit | $83.0M | $12.8M |
| Gross Margin | — | — |
| Operating Margin | — | 7.1% |
| Net Margin | 52.2% | 5.8% |
| Revenue YoY | — | 9.6% |
| Net Profit YoY | 31.2% | -42.1% |
| EPS (diluted) | $1.52 | $0.23 |
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 | $162.2M | $220.8M | ||
| Q3 25 | $136.3M | $222.4M | ||
| Q2 25 | $132.1M | $204.3M | ||
| Q1 25 | $131.8M | $207.4M | ||
| Q4 24 | $131.9M | $201.4M | ||
| Q3 24 | $123.7M | $196.4M | ||
| Q2 24 | $114.8M | $177.5M |
| Q1 26 | $83.0M | — | ||
| Q4 25 | $86.4M | $12.8M | ||
| Q3 25 | $65.6M | $18.8M | ||
| Q2 25 | $61.4M | $10.7M | ||
| Q1 25 | $63.2M | $11.4M | ||
| Q4 24 | $65.2M | $22.2M | ||
| Q3 24 | $59.9M | $18.8M | ||
| Q2 24 | $52.1M | $5.0M |
| Q1 26 | — | — | ||
| Q4 25 | 66.3% | 7.1% | ||
| Q3 25 | 57.8% | 11.2% | ||
| Q2 25 | 58.0% | 6.9% | ||
| Q1 25 | 60.0% | 8.1% | ||
| Q4 24 | 60.2% | 13.6% | ||
| Q3 24 | 58.5% | 13.3% | ||
| Q2 24 | 58.0% | 4.2% |
| Q1 26 | 52.2% | — | ||
| Q4 25 | 59.0% | 5.8% | ||
| Q3 25 | 48.1% | 8.4% | ||
| Q2 25 | 46.5% | 5.2% | ||
| Q1 25 | 48.0% | 5.5% | ||
| Q4 24 | 52.9% | 11.0% | ||
| Q3 24 | 48.4% | 9.6% | ||
| Q2 24 | 45.4% | 2.8% |
| Q1 26 | $1.52 | — | ||
| Q4 25 | $1.58 | $0.23 | ||
| Q3 25 | $1.20 | $0.33 | ||
| Q2 25 | $1.12 | $0.19 | ||
| Q1 25 | $1.16 | $0.21 | ||
| Q4 24 | $1.19 | $0.40 | ||
| Q3 24 | $1.10 | $0.35 | ||
| Q2 24 | $0.95 | $0.09 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $1.8B | $162.8M |
| Total DebtLower is stronger | — | $101.4M |
| Stockholders' EquityBook value | $1.9B | $335.9M |
| Total Assets | $18.2B | $834.0M |
| Debt / EquityLower = less leverage | — | 0.30× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $1.8B | — | ||
| Q4 25 | — | $162.8M | ||
| Q3 25 | — | $169.1M | ||
| Q2 25 | — | $70.7M | ||
| Q1 25 | — | $96.0M | ||
| Q4 24 | — | $172.0M | ||
| Q3 24 | — | $161.9M | ||
| Q2 24 | — | $115.5M |
| Q1 26 | — | — | ||
| Q4 25 | — | $101.4M | ||
| Q3 25 | — | $87.1M | ||
| Q2 25 | — | $73.8M | ||
| Q1 25 | — | $94.4M | ||
| Q4 24 | — | $120.1M | ||
| Q3 24 | — | $125.7M | ||
| Q2 24 | — | $137.3M |
| Q1 26 | $1.9B | — | ||
| Q4 25 | $1.8B | $335.9M | ||
| Q3 25 | $1.8B | $328.1M | ||
| Q2 25 | $1.7B | $306.8M | ||
| Q1 25 | $1.7B | $293.9M | ||
| Q4 24 | $1.6B | $280.0M | ||
| Q3 24 | $1.6B | $260.2M | ||
| Q2 24 | $1.5B | $239.4M |
| Q1 26 | $18.2B | — | ||
| Q4 25 | $17.7B | $834.0M | ||
| Q3 25 | $17.6B | $826.1M | ||
| Q2 25 | $17.4B | $740.8M | ||
| Q1 25 | $18.6B | $720.4M | ||
| Q4 24 | $17.4B | $753.8M | ||
| Q3 24 | $16.4B | $744.6M | ||
| Q2 24 | $16.0B | $706.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.30× | ||
| Q3 25 | — | 0.27× | ||
| Q2 25 | — | 0.24× | ||
| Q1 25 | — | 0.32× | ||
| Q4 24 | — | 0.43× | ||
| Q3 24 | — | 0.48× | ||
| Q2 24 | — | 0.57× |
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 | — | $3.1M |
| Free Cash FlowOCF − Capex | — | $-19.2M |
| FCF MarginFCF / Revenue | — | -8.7% |
| Capex IntensityCapex / Revenue | — | 10.1% |
| Cash ConversionOCF / Net Profit | — | 0.24× |
| TTM Free Cash FlowTrailing 4 quarters | — | $16.6M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $355.2M | $3.1M | ||
| Q3 25 | $140.9M | $57.1M | ||
| Q2 25 | $67.6M | $18.1M | ||
| Q1 25 | $48.0M | $-789.0K | ||
| Q4 24 | $252.9M | $23.0M | ||
| Q3 24 | $84.0M | $67.5M | ||
| Q2 24 | $48.3M | $10.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | $-19.2M | ||
| Q3 25 | — | $40.6M | ||
| Q2 25 | — | $6.8M | ||
| Q1 25 | — | $-11.7M | ||
| Q4 24 | — | $19.6M | ||
| Q3 24 | — | $60.0M | ||
| Q2 24 | — | $3.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | -8.7% | ||
| Q3 25 | — | 18.3% | ||
| Q2 25 | — | 3.4% | ||
| Q1 25 | — | -5.7% | ||
| Q4 24 | — | 9.7% | ||
| Q3 24 | — | 30.6% | ||
| Q2 24 | — | 1.7% |
| Q1 26 | — | — | ||
| Q4 25 | — | 10.1% | ||
| Q3 25 | — | 7.4% | ||
| Q2 25 | — | 5.5% | ||
| Q1 25 | — | 5.3% | ||
| Q4 24 | — | 1.7% | ||
| Q3 24 | — | 3.8% | ||
| Q2 24 | — | 4.0% |
| Q1 26 | — | — | ||
| Q4 25 | 4.11× | 0.24× | ||
| Q3 25 | 2.15× | 3.04× | ||
| Q2 25 | 1.10× | 1.69× | ||
| Q1 25 | 0.76× | -0.07× | ||
| Q4 24 | 3.88× | 1.04× | ||
| Q3 24 | 1.40× | 3.58× | ||
| Q2 24 | 0.93× | 2.01× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
SFBS
| Net Interest Income | $148.1M | 93% |
| Noninterest Income | $10.8M | 7% |
UTI
| UTI | $142.8M | 65% |
| Concorde | $78.0M | 35% |
