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Side-by-side financial comparison of C3.ai, Inc. (AI) and SMARTFINANCIAL INC. (SMBK). Click either name above to swap in a different company.
C3.ai, Inc. is the larger business by last-quarter revenue ($75.1M vs $53.8M, roughly 1.4× SMARTFINANCIAL INC.). SMARTFINANCIAL INC. runs the higher net margin — 25.4% vs -139.3%, a 164.7% gap on every dollar of revenue. Over the past eight quarters, SMARTFINANCIAL INC.'s revenue compounded faster (15.4% CAGR vs -2.1%).
C3.ai, Inc. is a leading enterprise artificial intelligence software provider that develops and delivers scalable AI applications, platform tools, and industry-specific solutions for clients across sectors including manufacturing, energy, financial services, healthcare and public sector. Its offerings help organizations optimize operations, reduce costs, mitigate risks, and realize data-driven decision making.
SmartFinancial Inc. is a U.S.-based bank holding company that operates its wholly owned subsidiary SmartBank. It offers a full range of retail and commercial banking products including deposit accounts, personal and business loans, mortgage services, and wealth management solutions, primarily serving individual customers and small-to-medium enterprises across the Southeastern United States.
AI vs SMBK — Head-to-Head
Income Statement — Q2 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $75.1M | $53.8M |
| Net Profit | $-104.7M | $13.7M |
| Gross Margin | 40.4% | — |
| Operating Margin | -149.2% | — |
| Net Margin | -139.3% | 25.4% |
| Revenue YoY | -20.3% | — |
| Net Profit YoY | -58.7% | 21.6% |
| EPS (diluted) | $-0.75 | $0.81 |
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 | — | $53.8M | ||
| Q4 25 | $75.1M | $53.3M | ||
| Q3 25 | $70.3M | $51.1M | ||
| Q2 25 | $108.7M | $49.2M | ||
| Q1 25 | $98.8M | $46.8M | ||
| Q4 24 | $94.3M | $46.8M | ||
| Q3 24 | $87.2M | $44.2M | ||
| Q2 24 | $86.6M | $40.4M |
| Q1 26 | — | $13.7M | ||
| Q4 25 | $-104.7M | $13.7M | ||
| Q3 25 | $-116.8M | $13.7M | ||
| Q2 25 | $-79.7M | $11.7M | ||
| Q1 25 | $-80.2M | $11.3M | ||
| Q4 24 | $-66.0M | $9.6M | ||
| Q3 24 | $-62.8M | $9.1M | ||
| Q2 24 | $-72.9M | $8.0M |
| Q1 26 | — | — | ||
| Q4 25 | 40.4% | — | ||
| Q3 25 | 37.6% | — | ||
| Q2 25 | 62.1% | — | ||
| Q1 25 | 59.1% | — | ||
| Q4 24 | 61.3% | — | ||
| Q3 24 | 59.8% | — | ||
| Q2 24 | 59.6% | — |
| Q1 26 | — | — | ||
| Q4 25 | -149.2% | 31.3% | ||
| Q3 25 | -177.7% | 33.2% | ||
| Q2 25 | -81.8% | 29.0% | ||
| Q1 25 | -88.7% | 29.0% | ||
| Q4 24 | -79.8% | 26.5% | ||
| Q3 24 | -83.2% | 24.3% | ||
| Q2 24 | -95.1% | 25.6% |
| Q1 26 | — | 25.4% | ||
| Q4 25 | -139.3% | 25.7% | ||
| Q3 25 | -166.2% | 26.8% | ||
| Q2 25 | -73.3% | 23.8% | ||
| Q1 25 | -81.2% | 24.0% | ||
| Q4 24 | -69.9% | 20.6% | ||
| Q3 24 | -72.0% | 20.7% | ||
| Q2 24 | -84.2% | 19.8% |
| Q1 26 | — | $0.81 | ||
| Q4 25 | $-0.75 | $0.81 | ||
| Q3 25 | $-0.86 | $0.81 | ||
| Q2 25 | $-0.60 | $0.69 | ||
| Q1 25 | $-0.62 | $0.67 | ||
| Q4 24 | $-0.52 | $0.57 | ||
| Q3 24 | $-0.50 | $0.54 | ||
| Q2 24 | $-0.59 | $0.48 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $675.0M | $346.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $771.9M | $562.2M |
| Total Assets | $961.3M | $5.9B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $346.1M | ||
| Q4 25 | $675.0M | $464.4M | ||
| Q3 25 | $711.9M | $557.1M | ||
| Q2 25 | $742.7M | $365.1M | ||
| Q1 25 | $724.3M | $423.0M | ||
| Q4 24 | $730.4M | $387.6M | ||
| Q3 24 | $762.5M | $192.9M | ||
| Q2 24 | $750.4M | $342.8M |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $1.3M | ||
| Q2 25 | — | $7.0M | ||
| Q1 25 | — | $7.6M | ||
| Q4 24 | — | $8.1M | ||
| Q3 24 | — | $9.0M | ||
| Q2 24 | — | $12.7M |
| Q1 26 | — | $562.2M | ||
| Q4 25 | $771.9M | $552.4M | ||
| Q3 25 | $798.8M | $538.4M | ||
| Q2 25 | $838.3M | $519.0M | ||
| Q1 25 | $860.2M | $505.8M | ||
| Q4 24 | $859.0M | $491.3M | ||
| Q3 24 | $874.9M | $489.0M | ||
| Q2 24 | $873.4M | $472.5M |
| Q1 26 | — | $5.9B | ||
| Q4 25 | $961.3M | $5.9B | ||
| Q3 25 | $968.7M | $5.8B | ||
| Q2 25 | $1.0B | $5.5B | ||
| Q1 25 | $1.1B | $5.4B | ||
| Q4 24 | $1.0B | $5.3B | ||
| Q3 24 | $1.1B | $4.9B | ||
| Q2 24 | $1.0B | $4.9B |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 0.00× | ||
| Q2 25 | — | 0.01× | ||
| Q1 25 | — | 0.02× | ||
| Q4 24 | — | 0.02× | ||
| Q3 24 | — | 0.02× | ||
| Q2 24 | — | 0.03× |
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 | $-46.5M | — |
| Free Cash FlowOCF − Capex | $-46.9M | — |
| FCF MarginFCF / Revenue | -62.4% | — |
| Capex IntensityCapex / Revenue | 0.5% | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $-93.2M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $-46.5M | $61.7M | ||
| Q3 25 | $-33.5M | $16.9M | ||
| Q2 25 | $11.3M | $14.0M | ||
| Q1 25 | $-22.0M | $14.3M | ||
| Q4 24 | $-38.7M | $52.7M | ||
| Q3 24 | $8.0M | $12.4M | ||
| Q2 24 | $21.3M | $16.5M |
| Q1 26 | — | — | ||
| Q4 25 | $-46.9M | $59.3M | ||
| Q3 25 | $-34.3M | $16.6M | ||
| Q2 25 | $10.3M | $13.2M | ||
| Q1 25 | $-22.4M | $13.4M | ||
| Q4 24 | $-39.5M | $46.3M | ||
| Q3 24 | $7.1M | $11.3M | ||
| Q2 24 | $18.8M | $15.4M |
| Q1 26 | — | — | ||
| Q4 25 | -62.4% | 111.3% | ||
| Q3 25 | -48.8% | 32.4% | ||
| Q2 25 | 9.5% | 26.9% | ||
| Q1 25 | -22.7% | 28.5% | ||
| Q4 24 | -41.9% | 98.9% | ||
| Q3 24 | 8.2% | 25.7% | ||
| Q2 24 | 21.7% | 38.2% |
| Q1 26 | — | — | ||
| Q4 25 | 0.5% | 4.5% | ||
| Q3 25 | 1.1% | 0.6% | ||
| Q2 25 | 0.9% | 1.6% | ||
| Q1 25 | 0.4% | 2.0% | ||
| Q4 24 | 0.9% | 13.7% | ||
| Q3 24 | 1.1% | 2.4% | ||
| Q2 24 | 2.9% | 2.7% |
| Q1 26 | — | — | ||
| Q4 25 | — | 4.50× | ||
| Q3 25 | — | 1.23× | ||
| Q2 25 | — | 1.20× | ||
| Q1 25 | — | 1.27× | ||
| Q4 24 | — | 5.47× | ||
| Q3 24 | — | 1.36× | ||
| Q2 24 | — | 2.07× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
AI
| License And Service | $70.2M | 93% |
| Professional Services | $4.9M | 7% |
SMBK
| Net Interest Income | $45.9M | 85% |
| Noninterest Income | $7.9M | 15% |
