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Side-by-side financial comparison of SIMMONS FIRST NATIONAL CORP (SFNC) 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 ($221.4M vs $197.3M, roughly 1.1× SIMMONS FIRST NATIONAL CORP). On growth, SIMMONS FIRST NATIONAL CORP posted the faster year-over-year revenue change (19.6% vs 6.7%). Over the past eight quarters, UNIVERSAL TECHNICAL INSTITUTE INC's revenue compounded faster (11.7% CAGR vs 0.6%).
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.
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.
SFNC vs UTI — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $197.3M | $221.4M |
| Net Profit | — | $433.0K |
| Gross Margin | — | — |
| Operating Margin | — | 0.2% |
| Net Margin | — | 0.2% |
| Revenue YoY | 19.6% | 6.7% |
| Net Profit YoY | — | -60.5% |
| EPS (diluted) | $0.36 | $0.01 |
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 | — | $221.4M | ||
| Q4 25 | $197.3M | $220.8M | ||
| Q3 25 | $186.7M | $222.4M | ||
| Q2 25 | $214.2M | $204.3M | ||
| Q1 25 | $209.6M | $207.4M | ||
| Q4 24 | $208.5M | $201.4M | ||
| Q3 24 | $174.8M | $196.4M | ||
| Q2 24 | $197.2M | $177.5M |
| Q1 26 | — | $433.0K | ||
| Q4 25 | — | $12.8M | ||
| Q3 25 | $-562.8M | $18.8M | ||
| Q2 25 | $54.8M | $10.7M | ||
| Q1 25 | $32.4M | $11.4M | ||
| Q4 24 | — | $22.2M | ||
| Q3 24 | $24.7M | $18.8M | ||
| Q2 24 | $40.8M | $5.0M |
| Q1 26 | — | 0.2% | ||
| Q4 25 | — | 7.1% | ||
| Q3 25 | — | 11.2% | ||
| Q2 25 | — | 6.9% | ||
| Q1 25 | — | 8.1% | ||
| Q4 24 | — | 13.6% | ||
| Q3 24 | — | 13.3% | ||
| Q2 24 | — | 4.2% |
| Q1 26 | — | 0.2% | ||
| Q4 25 | — | 5.8% | ||
| Q3 25 | -301.5% | 8.4% | ||
| Q2 25 | 25.6% | 5.2% | ||
| Q1 25 | 15.5% | 5.5% | ||
| Q4 24 | — | 11.0% | ||
| Q3 24 | 14.1% | 9.6% | ||
| Q2 24 | 20.7% | 2.8% |
| Q1 26 | — | $0.01 | ||
| Q4 25 | $0.36 | $0.23 | ||
| Q3 25 | $-4.00 | $0.33 | ||
| Q2 25 | $0.43 | $0.19 | ||
| Q1 25 | $0.26 | $0.21 | ||
| Q4 24 | $0.38 | $0.40 | ||
| Q3 24 | $0.20 | $0.35 | ||
| Q2 24 | $0.32 | $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 | — | $162.0M |
| Total DebtLower is stronger | $620.0M | $127.8M |
| Stockholders' EquityBook value | $3.4B | $339.9M |
| Total Assets | $24.5B | $852.2M |
| Debt / EquityLower = less leverage | 0.18× | 0.38× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $162.0M | ||
| 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 | — | $127.8M | ||
| Q4 25 | $620.0M | $101.4M | ||
| Q3 25 | $667.8M | $87.1M | ||
| Q2 25 | $1.0B | $73.8M | ||
| Q1 25 | $1.3B | $94.4M | ||
| Q4 24 | $1.1B | $120.1M | ||
| Q3 24 | $1.4B | $125.7M | ||
| Q2 24 | $1.7B | $137.3M |
| Q1 26 | — | $339.9M | ||
| Q4 25 | $3.4B | $335.9M | ||
| Q3 25 | $3.4B | $328.1M | ||
| Q2 25 | $3.5B | $306.8M | ||
| Q1 25 | $3.5B | $293.9M | ||
| Q4 24 | $3.5B | $280.0M | ||
| Q3 24 | $3.5B | $260.2M | ||
| Q2 24 | $3.5B | $239.4M |
| Q1 26 | — | $852.2M | ||
| Q4 25 | $24.5B | $834.0M | ||
| Q3 25 | $24.2B | $826.1M | ||
| Q2 25 | $26.7B | $740.8M | ||
| Q1 25 | $26.8B | $720.4M | ||
| Q4 24 | $26.9B | $753.8M | ||
| Q3 24 | $27.3B | $744.6M | ||
| Q2 24 | $27.4B | $706.0M |
| Q1 26 | — | 0.38× | ||
| Q4 25 | 0.18× | 0.30× | ||
| Q3 25 | 0.20× | 0.27× | ||
| Q2 25 | 0.28× | 0.24× | ||
| Q1 25 | 0.35× | 0.32× | ||
| Q4 24 | 0.32× | 0.43× | ||
| Q3 24 | 0.40× | 0.48× | ||
| Q2 24 | 0.50× | 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 | $449.5M | $7.1M |
| Free Cash FlowOCF − Capex | $411.4M | — |
| FCF MarginFCF / Revenue | 208.5% | — |
| Capex IntensityCapex / Revenue | 19.3% | — |
| Cash ConversionOCF / Net Profit | — | 16.33× |
| TTM Free Cash FlowTrailing 4 quarters | $717.0M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $7.1M | ||
| Q4 25 | $449.5M | $3.1M | ||
| Q3 25 | $223.4M | $57.1M | ||
| Q2 25 | $77.6M | $18.1M | ||
| Q1 25 | $32.8M | $-789.0K | ||
| Q4 24 | $425.9M | $23.0M | ||
| Q3 24 | $199.4M | $67.5M | ||
| Q2 24 | $86.1M | $10.0M |
| Q1 26 | — | — | ||
| Q4 25 | $411.4M | $-19.2M | ||
| Q3 25 | $216.7M | $40.6M | ||
| Q2 25 | $66.3M | $6.8M | ||
| Q1 25 | $22.6M | $-11.7M | ||
| Q4 24 | $380.4M | $19.6M | ||
| Q3 24 | $187.7M | $60.0M | ||
| Q2 24 | $72.7M | $3.0M |
| Q1 26 | — | — | ||
| Q4 25 | 208.5% | -8.7% | ||
| Q3 25 | 116.1% | 18.3% | ||
| Q2 25 | 31.0% | 3.4% | ||
| Q1 25 | 10.8% | -5.7% | ||
| Q4 24 | 182.5% | 9.7% | ||
| Q3 24 | 107.4% | 30.6% | ||
| Q2 24 | 36.9% | 1.7% |
| Q1 26 | — | — | ||
| Q4 25 | 19.3% | 10.1% | ||
| Q3 25 | 3.6% | 7.4% | ||
| Q2 25 | 5.3% | 5.5% | ||
| Q1 25 | 4.8% | 5.3% | ||
| Q4 24 | 21.8% | 1.7% | ||
| Q3 24 | 6.7% | 3.8% | ||
| Q2 24 | 6.8% | 4.0% |
| Q1 26 | — | 16.33× | ||
| Q4 25 | — | 0.24× | ||
| Q3 25 | — | 3.04× | ||
| Q2 25 | 1.42× | 1.69× | ||
| Q1 25 | 1.01× | -0.07× | ||
| Q4 24 | — | 1.04× | ||
| Q3 24 | 8.06× | 3.58× | ||
| Q2 24 | 2.11× | 2.01× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
