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Side-by-side financial comparison of FINANCIAL INSTITUTIONS INC (FISI) and SMARTFINANCIAL INC. (SMBK). Click either name above to swap in a different company.
FINANCIAL INSTITUTIONS INC is the larger business by last-quarter revenue ($62.7M vs $53.8M, roughly 1.2× SMARTFINANCIAL INC.). FINANCIAL INSTITUTIONS INC runs the higher net margin — 33.5% vs 25.4%, a 8.1% gap on every dollar of revenue. Over the past eight quarters, SMARTFINANCIAL INC.'s revenue compounded faster (15.4% CAGR vs -2.0%).
The Mizuho Financial Group, Inc. , known from 2000 to 2003 as Mizuho Holdings and abbreviated as MHFG or simply Mizuho, is a Japanese banking holding company headquartered in the Ōtemachi district of Chiyoda, Tokyo, Japan. The group was formed in 2000–2002 by merger of Dai-Ichi Kangyo Bank, Fuji Bank, and Industrial Bank of Japan. The name mizuho (瑞穂) literally means "abundant rice" in Japanese and "harvest" in the figurative sense.
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.
FISI vs SMBK — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $62.7M | $53.8M |
| Net Profit | $21.0M | $13.7M |
| Gross Margin | — | — |
| Operating Margin | — | — |
| Net Margin | 33.5% | 25.4% |
| Revenue YoY | — | — |
| Net Profit YoY | 24.3% | 21.6% |
| EPS (diluted) | $1.04 | $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 | $62.7M | $53.8M | ||
| Q4 25 | $64.1M | $53.3M | ||
| Q3 25 | $63.8M | $51.1M | ||
| Q2 25 | $59.7M | $49.2M | ||
| Q1 25 | $57.2M | $46.8M | ||
| Q4 24 | $41.6M | $46.8M | ||
| Q3 24 | $50.1M | $44.2M | ||
| Q2 24 | $65.2M | $40.4M |
| Q1 26 | $21.0M | $13.7M | ||
| Q4 25 | $20.0M | $13.7M | ||
| Q3 25 | $20.5M | $13.7M | ||
| Q2 25 | $17.5M | $11.7M | ||
| Q1 25 | $16.9M | $11.3M | ||
| Q4 24 | $-82.8M | $9.6M | ||
| Q3 24 | $13.5M | $9.1M | ||
| Q2 24 | $25.6M | $8.0M |
| Q1 26 | — | — | ||
| Q4 25 | 37.4% | 31.3% | ||
| Q3 25 | 39.5% | 33.2% | ||
| Q2 25 | 36.0% | 29.0% | ||
| Q1 25 | 36.0% | 29.0% | ||
| Q4 24 | -276.9% | 26.5% | ||
| Q3 24 | 29.0% | 24.3% | ||
| Q2 24 | 46.2% | 25.6% |
| Q1 26 | 33.5% | 25.4% | ||
| Q4 25 | 38.3% | 25.7% | ||
| Q3 25 | 32.1% | 26.8% | ||
| Q2 25 | 29.3% | 23.8% | ||
| Q1 25 | 29.5% | 24.0% | ||
| Q4 24 | -198.9% | 20.6% | ||
| Q3 24 | 26.9% | 20.7% | ||
| Q2 24 | 39.3% | 19.8% |
| Q1 26 | $1.04 | $0.81 | ||
| Q4 25 | $0.96 | $0.81 | ||
| Q3 25 | $0.99 | $0.81 | ||
| Q2 25 | $0.85 | $0.69 | ||
| Q1 25 | $0.81 | $0.67 | ||
| Q4 24 | $-5.32 | $0.57 | ||
| Q3 24 | $0.84 | $0.54 | ||
| Q2 24 | $1.62 | $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 | $85.5M | $346.1M |
| Total DebtLower is stronger | $114.0M | — |
| Stockholders' EquityBook value | — | $562.2M |
| Total Assets | $6.3B | $5.9B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $85.5M | $346.1M | ||
| Q4 25 | $108.8M | $464.4M | ||
| Q3 25 | $185.9M | $557.1M | ||
| Q2 25 | $93.0M | $365.1M | ||
| Q1 25 | $167.4M | $423.0M | ||
| Q4 24 | $87.3M | $387.6M | ||
| Q3 24 | — | $192.9M | ||
| Q2 24 | — | $342.8M |
| Q1 26 | $114.0M | — | ||
| Q4 25 | $193.7M | — | ||
| Q3 25 | $115.0M | $1.3M | ||
| Q2 25 | $115.0M | $7.0M | ||
| Q1 25 | $124.9M | $7.6M | ||
| Q4 24 | $124.8M | $8.1M | ||
| Q3 24 | $124.8M | $9.0M | ||
| Q2 24 | $124.7M | $12.7M |
| Q1 26 | — | $562.2M | ||
| Q4 25 | $628.9M | $552.4M | ||
| Q3 25 | $621.7M | $538.4M | ||
| Q2 25 | $601.7M | $519.0M | ||
| Q1 25 | $589.9M | $505.8M | ||
| Q4 24 | $569.0M | $491.3M | ||
| Q3 24 | $500.3M | $489.0M | ||
| Q2 24 | $467.7M | $472.5M |
| Q1 26 | $6.3B | $5.9B | ||
| Q4 25 | $6.3B | $5.9B | ||
| Q3 25 | $6.3B | $5.8B | ||
| Q2 25 | $6.1B | $5.5B | ||
| Q1 25 | $6.3B | $5.4B | ||
| Q4 24 | $6.1B | $5.3B | ||
| Q3 24 | $6.2B | $4.9B | ||
| Q2 24 | $6.1B | $4.9B |
| Q1 26 | — | — | ||
| Q4 25 | 0.31× | — | ||
| Q3 25 | 0.18× | 0.00× | ||
| Q2 25 | 0.19× | 0.01× | ||
| Q1 25 | 0.21× | 0.02× | ||
| Q4 24 | 0.22× | 0.02× | ||
| Q3 24 | 0.25× | 0.02× | ||
| Q2 24 | 0.27× | 0.03× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
FISI
| Net Interest Income | $52.0M | 83% |
| Noninterest Income | $10.7M | 17% |
SMBK
| Net Interest Income | $45.9M | 85% |
| Noninterest Income | $7.9M | 15% |
