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Side-by-side financial comparison of CARRIAGE SERVICES INC (CSV) and SMARTFINANCIAL INC. (SMBK). Click either name above to swap in a different company.
CARRIAGE SERVICES INC is the larger business by last-quarter revenue ($105.5M vs $53.8M, roughly 2.0× SMARTFINANCIAL INC.). SMARTFINANCIAL INC. runs the higher net margin — 25.4% vs 11.6%, a 13.8% gap on every dollar of revenue. Over the past eight quarters, SMARTFINANCIAL INC.'s revenue compounded faster (15.4% CAGR vs 1.0%).
Jardine Cycle & Carriage Limited is the investment holding company of Jardines in Southeast Asia. It is currently 75% held by the conglomerate.
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.
CSV vs SMBK — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $105.5M | $53.8M |
| Net Profit | $12.3M | $13.7M |
| Gross Margin | 34.8% | — |
| Operating Margin | 23.3% | — |
| Net Margin | 11.6% | 25.4% |
| Revenue YoY | 8.0% | — |
| Net Profit YoY | 24.5% | 21.6% |
| EPS (diluted) | $0.76 | $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 | $105.5M | $53.3M | ||
| Q3 25 | $102.7M | $51.1M | ||
| Q2 25 | $102.1M | $49.2M | ||
| Q1 25 | $107.1M | $46.8M | ||
| Q4 24 | $97.7M | $46.8M | ||
| Q3 24 | $100.7M | $44.2M | ||
| Q2 24 | $102.3M | $40.4M |
| Q1 26 | — | $13.7M | ||
| Q4 25 | $12.3M | $13.7M | ||
| Q3 25 | $6.6M | $13.7M | ||
| Q2 25 | $11.7M | $11.7M | ||
| Q1 25 | $20.9M | $11.3M | ||
| Q4 24 | $9.9M | $9.6M | ||
| Q3 24 | $9.9M | $9.1M | ||
| Q2 24 | $6.3M | $8.0M |
| Q1 26 | — | — | ||
| Q4 25 | 34.8% | — | ||
| Q3 25 | 35.3% | — | ||
| Q2 25 | 35.2% | — | ||
| Q1 25 | 35.3% | — | ||
| Q4 24 | 34.4% | — | ||
| Q3 24 | 35.2% | — | ||
| Q2 24 | 36.2% | — |
| Q1 26 | — | — | ||
| Q4 25 | 23.3% | 31.3% | ||
| Q3 25 | 17.0% | 33.2% | ||
| Q2 25 | 23.5% | 29.0% | ||
| Q1 25 | 29.5% | 29.0% | ||
| Q4 24 | 21.6% | 26.5% | ||
| Q3 24 | 22.7% | 24.3% | ||
| Q2 24 | 18.0% | 25.6% |
| Q1 26 | — | 25.4% | ||
| Q4 25 | 11.6% | 25.7% | ||
| Q3 25 | 6.4% | 26.8% | ||
| Q2 25 | 11.5% | 23.8% | ||
| Q1 25 | 19.5% | 24.0% | ||
| Q4 24 | 10.1% | 20.6% | ||
| Q3 24 | 9.8% | 20.7% | ||
| Q2 24 | 6.1% | 19.8% |
| Q1 26 | — | $0.81 | ||
| Q4 25 | $0.76 | $0.81 | ||
| Q3 25 | $0.41 | $0.81 | ||
| Q2 25 | $0.74 | $0.69 | ||
| Q1 25 | $1.34 | $0.67 | ||
| Q4 24 | $0.62 | $0.57 | ||
| Q3 24 | $0.63 | $0.54 | ||
| Q2 24 | $0.40 | $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 | $1.7M | $346.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $254.8M | $562.2M |
| Total Assets | $1.3B | $5.9B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $346.1M | ||
| Q4 25 | $1.7M | $464.4M | ||
| Q3 25 | $1.2M | $557.1M | ||
| Q2 25 | $1.4M | $365.1M | ||
| Q1 25 | $4.6M | $423.0M | ||
| Q4 24 | $1.2M | $387.6M | ||
| Q3 24 | $1.3M | $192.9M | ||
| Q2 24 | $1.5M | $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 | $254.8M | $552.4M | ||
| Q3 25 | $242.1M | $538.4M | ||
| Q2 25 | $235.4M | $519.0M | ||
| Q1 25 | $223.1M | $505.8M | ||
| Q4 24 | $208.6M | $491.3M | ||
| Q3 24 | $198.1M | $489.0M | ||
| Q2 24 | $187.9M | $472.5M |
| Q1 26 | — | $5.9B | ||
| Q4 25 | $1.3B | $5.9B | ||
| Q3 25 | $1.3B | $5.8B | ||
| Q2 25 | $1.3B | $5.5B | ||
| Q1 25 | $1.3B | $5.4B | ||
| Q4 24 | $1.3B | $5.3B | ||
| Q3 24 | $1.3B | $4.9B | ||
| Q2 24 | $1.3B | $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 | $14.1M | — |
| Free Cash FlowOCF − Capex | $6.2M | — |
| FCF MarginFCF / Revenue | 5.9% | — |
| Capex IntensityCapex / Revenue | 7.5% | — |
| Cash ConversionOCF / Net Profit | 1.15× | — |
| TTM Free Cash FlowTrailing 4 quarters | $40.1M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $14.1M | $61.7M | ||
| Q3 25 | $24.7M | $16.9M | ||
| Q2 25 | $8.1M | $14.0M | ||
| Q1 25 | $13.8M | $14.3M | ||
| Q4 24 | $9.3M | $52.7M | ||
| Q3 24 | $20.9M | $12.4M | ||
| Q2 24 | $2.2M | $16.5M |
| Q1 26 | — | — | ||
| Q4 25 | $6.2M | $59.3M | ||
| Q3 25 | $18.0M | $16.6M | ||
| Q2 25 | $5.2M | $13.2M | ||
| Q1 25 | $10.6M | $13.4M | ||
| Q4 24 | $4.9M | $46.3M | ||
| Q3 24 | $16.2M | $11.3M | ||
| Q2 24 | $-1.4M | $15.4M |
| Q1 26 | — | — | ||
| Q4 25 | 5.9% | 111.3% | ||
| Q3 25 | 17.5% | 32.4% | ||
| Q2 25 | 5.1% | 26.9% | ||
| Q1 25 | 9.9% | 28.5% | ||
| Q4 24 | 5.0% | 98.9% | ||
| Q3 24 | 16.1% | 25.7% | ||
| Q2 24 | -1.4% | 38.2% |
| Q1 26 | — | — | ||
| Q4 25 | 7.5% | 4.5% | ||
| Q3 25 | 6.5% | 0.6% | ||
| Q2 25 | 2.8% | 1.6% | ||
| Q1 25 | 3.0% | 2.0% | ||
| Q4 24 | 4.5% | 13.7% | ||
| Q3 24 | 4.6% | 2.4% | ||
| Q2 24 | 3.5% | 2.7% |
| Q1 26 | — | — | ||
| Q4 25 | 1.15× | 4.50× | ||
| Q3 25 | 3.76× | 1.23× | ||
| Q2 25 | 0.69× | 1.20× | ||
| Q1 25 | 0.66× | 1.27× | ||
| Q4 24 | 0.94× | 5.47× | ||
| Q3 24 | 2.11× | 1.36× | ||
| Q2 24 | 0.34× | 2.07× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CSV
| Propertyand Merchandise | $47.8M | 45% |
| Cemetery Interment Rights | $24.8M | 23% |
| Merchandise | $18.9M | 18% |
| Other Revenue | $10.2M | 10% |
| Other | $3.9M | 4% |
SMBK
| Net Interest Income | $45.9M | 85% |
| Noninterest Income | $7.9M | 15% |
