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Side-by-side financial comparison of FINANCIAL INSTITUTIONS INC (FISI) and SmartRent, Inc. (SMRT). Click either name above to swap in a different company.
FINANCIAL INSTITUTIONS INC is the larger business by last-quarter revenue ($62.7M vs $36.5M, roughly 1.7× SmartRent, Inc.). FINANCIAL INSTITUTIONS INC runs the higher net margin — 33.5% vs -8.9%, a 42.4% gap on every dollar of revenue. Over the past eight quarters, FINANCIAL INSTITUTIONS INC's revenue compounded faster (-2.0% CAGR vs -15.0%).
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.
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.
FISI vs SMRT — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $62.7M | $36.5M |
| Net Profit | $21.0M | $-3.2M |
| Gross Margin | — | 38.6% |
| Operating Margin | — | -10.9% |
| Net Margin | 33.5% | -8.9% |
| Revenue YoY | — | 3.1% |
| Net Profit YoY | 24.3% | 71.6% |
| EPS (diluted) | $1.04 | $-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 | $62.7M | — | ||
| Q4 25 | $64.1M | $36.5M | ||
| Q3 25 | $63.8M | $36.2M | ||
| Q2 25 | $59.7M | $38.3M | ||
| Q1 25 | $57.2M | $41.3M | ||
| Q4 24 | $41.6M | $35.4M | ||
| Q3 24 | $50.1M | $40.5M | ||
| Q2 24 | $65.2M | $48.5M |
| Q1 26 | $21.0M | — | ||
| Q4 25 | $20.0M | $-3.2M | ||
| Q3 25 | $20.5M | $-6.3M | ||
| Q2 25 | $17.5M | $-10.9M | ||
| Q1 25 | $16.9M | $-40.2M | ||
| Q4 24 | $-82.8M | $-11.4M | ||
| Q3 24 | $13.5M | $-9.9M | ||
| Q2 24 | $25.6M | $-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 | 37.4% | -10.9% | ||
| Q3 25 | 39.5% | -19.4% | ||
| Q2 25 | 36.0% | -30.5% | ||
| Q1 25 | 36.0% | -99.9% | ||
| Q4 24 | -276.9% | -36.6% | ||
| Q3 24 | 29.0% | -29.0% | ||
| Q2 24 | 46.2% | -14.3% |
| Q1 26 | 33.5% | — | ||
| Q4 25 | 38.3% | -8.9% | ||
| Q3 25 | 32.1% | -17.3% | ||
| Q2 25 | 29.3% | -28.3% | ||
| Q1 25 | 29.5% | -97.2% | ||
| Q4 24 | -198.9% | -32.3% | ||
| Q3 24 | 26.9% | -24.5% | ||
| Q2 24 | 39.3% | -9.5% |
| Q1 26 | $1.04 | — | ||
| Q4 25 | $0.96 | $-0.02 | ||
| Q3 25 | $0.99 | $-0.03 | ||
| Q2 25 | $0.85 | $-0.06 | ||
| Q1 25 | $0.81 | $-0.21 | ||
| Q4 24 | $-5.32 | $-0.06 | ||
| Q3 24 | $0.84 | $-0.05 | ||
| Q2 24 | $1.62 | $-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 | $85.5M | $104.5M |
| Total DebtLower is stronger | $114.0M | — |
| Stockholders' EquityBook value | — | $232.1M |
| Total Assets | $6.3B | $320.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $85.5M | — | ||
| Q4 25 | $108.8M | $104.5M | ||
| Q3 25 | $185.9M | $100.0M | ||
| Q2 25 | $93.0M | $105.0M | ||
| Q1 25 | $167.4M | $125.6M | ||
| Q4 24 | $87.3M | $142.5M | ||
| Q3 24 | — | $163.4M | ||
| Q2 24 | — | $187.4M |
| Q1 26 | $114.0M | — | ||
| Q4 25 | $193.7M | — | ||
| Q3 25 | $115.0M | — | ||
| Q2 25 | $115.0M | — | ||
| Q1 25 | $124.9M | — | ||
| Q4 24 | $124.8M | — | ||
| Q3 24 | $124.8M | — | ||
| Q2 24 | $124.7M | — |
| Q1 26 | — | — | ||
| Q4 25 | $628.9M | $232.1M | ||
| Q3 25 | $621.7M | $234.4M | ||
| Q2 25 | $601.7M | $238.8M | ||
| Q1 25 | $589.9M | $250.7M | ||
| Q4 24 | $569.0M | $289.4M | ||
| Q3 24 | $500.3M | $305.1M | ||
| Q2 24 | $467.7M | $329.4M |
| Q1 26 | $6.3B | — | ||
| Q4 25 | $6.3B | $320.9M | ||
| Q3 25 | $6.3B | $335.8M | ||
| Q2 25 | $6.1B | $354.0M | ||
| Q1 25 | $6.3B | $366.1M | ||
| Q4 24 | $6.1B | $420.2M | ||
| Q3 24 | $6.2B | $448.6M | ||
| Q2 24 | $6.1B | $475.3M |
| Q1 26 | — | — | ||
| Q4 25 | 0.31× | — | ||
| Q3 25 | 0.18× | — | ||
| Q2 25 | 0.19× | — | ||
| Q1 25 | 0.21× | — | ||
| Q4 24 | 0.22× | — | ||
| Q3 24 | 0.25× | — | ||
| Q2 24 | 0.27× | — |
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 | $18.8M | $7.7M | ||
| Q3 25 | $-6.9M | $-2.1M | ||
| Q2 25 | $-5.7M | $-14.9M | ||
| Q1 25 | $10.0M | $-12.2M | ||
| Q4 24 | $77.1M | $-12.0M | ||
| Q3 24 | $2.1M | $-3.7M | ||
| Q2 24 | $35.7M | $-13.9M |
| Q1 26 | — | — | ||
| Q4 25 | $13.3M | $7.7M | ||
| Q3 25 | $-7.9M | $-2.2M | ||
| Q2 25 | $-7.3M | $-16.2M | ||
| Q1 25 | $9.2M | $-14.3M | ||
| Q4 24 | $72.2M | $-13.3M | ||
| Q3 24 | $-299.0K | $-3.9M | ||
| Q2 24 | $34.7M | $-14.1M |
| Q1 26 | — | — | ||
| Q4 25 | 20.7% | 21.0% | ||
| Q3 25 | -12.4% | -6.1% | ||
| Q2 25 | -12.3% | -42.3% | ||
| Q1 25 | 16.1% | -34.7% | ||
| Q4 24 | 173.3% | -37.5% | ||
| Q3 24 | -0.6% | -9.7% | ||
| Q2 24 | 53.3% | -29.1% |
| Q1 26 | — | — | ||
| Q4 25 | 8.7% | 0.0% | ||
| Q3 25 | 1.6% | 0.2% | ||
| Q2 25 | 2.7% | 3.3% | ||
| Q1 25 | 1.4% | 5.3% | ||
| Q4 24 | 11.9% | 3.5% | ||
| Q3 24 | 4.9% | 0.6% | ||
| Q2 24 | 1.5% | 0.5% |
| Q1 26 | — | — | ||
| Q4 25 | 0.94× | — | ||
| Q3 25 | -0.34× | — | ||
| Q2 25 | -0.33× | — | ||
| Q1 25 | 0.59× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.16× | — | ||
| Q2 24 | 1.39× | — |
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% |
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% |
