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Side-by-side financial comparison of Commercial Bancgroup, Inc. (CBK) and SmartRent, Inc. (SMRT). Click either name above to swap in a different company.
SmartRent, Inc. is the larger business by last-quarter revenue ($36.5M vs $23.1M, roughly 1.6× Commercial Bancgroup, Inc.). Commercial Bancgroup, Inc. runs the higher net margin — 41.3% vs -8.9%, a 50.2% gap on every dollar of revenue.
Commercial Bancgroup, Inc.CBKEarnings & Financial Report
Commercial Bancgroup, Inc. operates as a U.S. regional bank holding company that provides a full suite of retail and commercial banking products and services to individual consumers, small and medium-sized businesses, and local institutional clients. Its core offerings include deposit accounts, lending solutions, wealth management, and tailored financial advisory services for regional markets.
Budget Rent a Car System, Inc. is an American car rental company that was founded in 1958 in Los Angeles, California by Morris Mirkin. Budget is a subsidiary of the Avis Budget Group, with its operations headquartered in Parsippany, New Jersey.
CBK vs SMRT — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $23.1M | $36.5M |
| Net Profit | $9.5M | $-3.2M |
| Gross Margin | — | 38.6% |
| Operating Margin | — | -10.9% |
| Net Margin | 41.3% | -8.9% |
| Revenue YoY | — | 3.1% |
| Net Profit YoY | 9.7% | 71.6% |
| EPS (diluted) | $0.69 | $-0.02 |
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 | $23.1M | — | ||
| Q4 25 | $23.5M | $36.5M | ||
| Q3 25 | $22.8M | $36.2M | ||
| Q2 25 | — | $38.3M | ||
| Q1 25 | — | $41.3M | ||
| Q4 24 | — | $35.4M | ||
| Q3 24 | — | $40.5M | ||
| Q2 24 | — | $48.5M |
| Q1 26 | $9.5M | — | ||
| Q4 25 | $9.9M | $-3.2M | ||
| Q3 25 | $9.5M | $-6.3M | ||
| Q2 25 | — | $-10.9M | ||
| Q1 25 | — | $-40.2M | ||
| Q4 24 | — | $-11.4M | ||
| Q3 24 | — | $-9.9M | ||
| Q2 24 | — | $-4.6M |
| Q1 26 | — | — | ||
| Q4 25 | — | 38.6% | ||
| Q3 25 | — | 26.4% | ||
| Q2 25 | — | 33.1% | ||
| Q1 25 | — | 32.8% | ||
| Q4 24 | — | 28.7% | ||
| Q3 24 | — | 33.2% | ||
| Q2 24 | — | 35.7% |
| Q1 26 | — | — | ||
| Q4 25 | — | -10.9% | ||
| Q3 25 | 53.8% | -19.4% | ||
| Q2 25 | — | -30.5% | ||
| Q1 25 | — | -99.9% | ||
| Q4 24 | — | -36.6% | ||
| Q3 24 | — | -29.0% | ||
| Q2 24 | — | -14.3% |
| Q1 26 | 41.3% | — | ||
| Q4 25 | 42.2% | -8.9% | ||
| Q3 25 | 41.4% | -17.3% | ||
| Q2 25 | — | -28.3% | ||
| Q1 25 | — | -97.2% | ||
| Q4 24 | — | -32.3% | ||
| Q3 24 | — | -24.5% | ||
| Q2 24 | — | -9.5% |
| Q1 26 | $0.69 | — | ||
| Q4 25 | $0.72 | $-0.02 | ||
| Q3 25 | $0.77 | $-0.03 | ||
| Q2 25 | — | $-0.06 | ||
| Q1 25 | — | $-0.21 | ||
| Q4 24 | — | $-0.06 | ||
| Q3 24 | — | $-0.05 | ||
| Q2 24 | — | $-0.02 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $104.5M |
| Total DebtLower is stronger | $118.2M | — |
| Stockholders' EquityBook value | — | $232.1M |
| Total Assets | $2.3B | $320.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $104.5M | ||
| Q3 25 | $154.8M | $100.0M | ||
| Q2 25 | — | $105.0M | ||
| Q1 25 | — | $125.6M | ||
| Q4 24 | — | $142.5M | ||
| Q3 24 | — | $163.4M | ||
| Q2 24 | — | $187.4M |
| Q1 26 | $118.2M | — | ||
| Q4 25 | $166.8M | — | ||
| Q3 25 | $100.1M | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | — | $232.1M | ||
| Q3 25 | $245.2M | $234.4M | ||
| Q2 25 | — | $238.8M | ||
| Q1 25 | — | $250.7M | ||
| Q4 24 | — | $289.4M | ||
| Q3 24 | — | $305.1M | ||
| Q2 24 | — | $329.4M |
| Q1 26 | $2.3B | — | ||
| Q4 25 | $2.3B | $320.9M | ||
| Q3 25 | $2.2B | $335.8M | ||
| Q2 25 | — | $354.0M | ||
| Q1 25 | — | $366.1M | ||
| Q4 24 | — | $420.2M | ||
| Q3 24 | — | $448.6M | ||
| Q2 24 | — | $475.3M |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 0.41× | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | — | $7.7M |
| Free Cash FlowOCF − Capex | — | $7.7M |
| FCF MarginFCF / Revenue | — | 21.0% |
| Capex IntensityCapex / Revenue | — | 0.0% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-25.1M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $7.7M | ||
| Q3 25 | $28.0M | $-2.1M | ||
| Q2 25 | — | $-14.9M | ||
| Q1 25 | — | $-12.2M | ||
| Q4 24 | — | $-12.0M | ||
| Q3 24 | — | $-3.7M | ||
| Q2 24 | — | $-13.9M |
| Q1 26 | — | — | ||
| Q4 25 | — | $7.7M | ||
| Q3 25 | $26.5M | $-2.2M | ||
| Q2 25 | — | $-16.2M | ||
| Q1 25 | — | $-14.3M | ||
| Q4 24 | — | $-13.3M | ||
| Q3 24 | — | $-3.9M | ||
| Q2 24 | — | $-14.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | 21.0% | ||
| Q3 25 | 115.8% | -6.1% | ||
| Q2 25 | — | -42.3% | ||
| Q1 25 | — | -34.7% | ||
| Q4 24 | — | -37.5% | ||
| Q3 24 | — | -9.7% | ||
| Q2 24 | — | -29.1% |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.0% | ||
| Q3 25 | 6.7% | 0.2% | ||
| Q2 25 | — | 3.3% | ||
| Q1 25 | — | 5.3% | ||
| Q4 24 | — | 3.5% | ||
| Q3 24 | — | 0.6% | ||
| Q2 24 | — | 0.5% |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 2.96× | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CBK
| Net Interest Income | $20.5M | 89% |
| Noninterest Income | $2.6M | 11% |
SMRT
| Hosted Services | $18.1M | 50% |
| Hardware Service | $12.5M | 34% |
| Smart Operations Solutions | $2.6M | 7% |
| Access Control | $2.0M | 5% |
| Other Smart Communities Solutions | $1.3M | 3% |
