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Side-by-side financial comparison of SIMMONS FIRST NATIONAL CORP (SFNC) and Vroom, Inc. (VRM). Click either name above to swap in a different company.
Vroom, Inc. is the larger business by last-quarter revenue ($235.9M vs $197.3M, roughly 1.2× SIMMONS FIRST NATIONAL CORP). On growth, SIMMONS FIRST NATIONAL CORP posted the faster year-over-year revenue change (19.6% vs 12.9%). SIMMONS FIRST NATIONAL CORP produced more free cash flow last quarter ($411.4M vs $-108.8M). Over the past eight quarters, SIMMONS FIRST NATIONAL CORP's revenue compounded faster (0.6% CAGR vs -49.5%).
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.
Vroom, Inc. is a parent company of United Auto Credit Corporation (UACC) and CarStory. Previously, Vroom was a used car retailer and e-commerce company that let consumers buy, sell, and finance cars online. Vroom ceased e-commerce automotive sales operations on January 22, 2024.
SFNC vs VRM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2023
| Metric | | |
|---|---|---|
| Revenue | $197.3M | $235.9M |
| Net Profit | — | $-141.1M |
| Gross Margin | — | 12.3% |
| Operating Margin | — | -11.5% |
| Net Margin | — | -59.8% |
| Revenue YoY | 19.6% | 12.9% |
| Net Profit YoY | — | -669.8% |
| EPS (diluted) | $0.36 | $-80.66 |
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 | $197.3M | — | ||
| Q3 25 | $186.7M | — | ||
| Q2 25 | $214.2M | — | ||
| Q1 25 | $209.6M | — | ||
| Q4 24 | $208.5M | — | ||
| Q3 24 | $174.8M | — | ||
| Q2 24 | $197.2M | — | ||
| Q1 24 | $195.1M | — |
| Q4 25 | — | — | ||
| Q3 25 | $-562.8M | — | ||
| Q2 25 | $54.8M | — | ||
| Q1 25 | $32.4M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $24.7M | — | ||
| Q2 24 | $40.8M | — | ||
| Q1 24 | $38.9M | — |
| Q4 25 | — | — | ||
| Q3 25 | -301.5% | — | ||
| Q2 25 | 25.6% | — | ||
| Q1 25 | 15.5% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 14.1% | — | ||
| Q2 24 | 20.7% | — | ||
| Q1 24 | 19.9% | — |
| Q4 25 | $0.36 | — | ||
| Q3 25 | $-4.00 | — | ||
| Q2 25 | $0.43 | — | ||
| Q1 25 | $0.26 | — | ||
| Q4 24 | $0.38 | — | ||
| Q3 24 | $0.20 | — | ||
| Q2 24 | $0.32 | — | ||
| Q1 24 | $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 | — | $135.6M |
| Total DebtLower is stronger | $620.0M | $454.2M |
| Stockholders' EquityBook value | $3.4B | $127.7M |
| Total Assets | $24.5B | $1.5B |
| Debt / EquityLower = less leverage | 0.18× | 3.56× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $620.0M | — | ||
| Q3 25 | $667.8M | — | ||
| Q2 25 | $1.0B | — | ||
| Q1 25 | $1.3B | — | ||
| Q4 24 | $1.1B | — | ||
| Q3 24 | $1.4B | — | ||
| Q2 24 | $1.7B | — | ||
| Q1 24 | $1.2B | — |
| Q4 25 | $3.4B | — | ||
| Q3 25 | $3.4B | — | ||
| Q2 25 | $3.5B | — | ||
| Q1 25 | $3.5B | — | ||
| Q4 24 | $3.5B | — | ||
| Q3 24 | $3.5B | — | ||
| Q2 24 | $3.5B | — | ||
| Q1 24 | $3.4B | — |
| Q4 25 | $24.5B | — | ||
| Q3 25 | $24.2B | — | ||
| Q2 25 | $26.7B | — | ||
| Q1 25 | $26.8B | — | ||
| Q4 24 | $26.9B | — | ||
| Q3 24 | $27.3B | — | ||
| Q2 24 | $27.4B | — | ||
| Q1 24 | $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 | $449.5M | $-108.1M |
| Free Cash FlowOCF − Capex | $411.4M | $-108.8M |
| FCF MarginFCF / Revenue | 208.5% | -46.1% |
| Capex IntensityCapex / Revenue | 19.3% | 0.3% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $717.0M | $-536.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $449.5M | — | ||
| Q3 25 | $223.4M | — | ||
| Q2 25 | $77.6M | — | ||
| Q1 25 | $32.8M | — | ||
| Q4 24 | $425.9M | — | ||
| Q3 24 | $199.4M | — | ||
| Q2 24 | $86.1M | — | ||
| Q1 24 | $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 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | 1.42× | — | ||
| Q1 25 | 1.01× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 8.06× | — | ||
| Q2 24 | 2.11× | — | ||
| Q1 24 | 1.48× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
