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Side-by-side financial comparison of PETMED EXPRESS INC (PETS) and SMARTFINANCIAL INC. (SMBK). Click either name above to swap in a different company.
SMARTFINANCIAL INC. is the larger business by last-quarter revenue ($53.8M vs $40.7M, roughly 1.3× PETMED EXPRESS INC). SMARTFINANCIAL INC. runs the higher net margin — 25.4% vs -26.0%, a 51.4% gap on every dollar of revenue. Over the past eight quarters, SMARTFINANCIAL INC.'s revenue compounded faster (15.4% CAGR vs -20.9%).
PetMed Express, Inc., also known as PetMeds, is an online pet pharmacy based in the United States. It is publicly traded and sells prescription and non-prescription pet medication.
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.
PETS vs SMBK — Head-to-Head
Income Statement — Q3 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $40.7M | $53.8M |
| Net Profit | $-10.6M | $13.7M |
| Gross Margin | 23.3% | — |
| Operating Margin | -25.7% | — |
| Net Margin | -26.0% | 25.4% |
| Revenue YoY | -23.3% | — |
| Net Profit YoY | -1392.6% | 21.6% |
| EPS (diluted) | $-0.50 | $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 | $40.7M | $53.3M | ||
| Q3 25 | $44.4M | $51.1M | ||
| Q2 25 | $51.2M | $49.2M | ||
| Q1 25 | $50.8M | $46.8M | ||
| Q4 24 | $52.0M | $46.8M | ||
| Q3 24 | $58.0M | $44.2M | ||
| Q2 24 | $66.2M | $40.4M |
| Q1 26 | — | $13.7M | ||
| Q4 25 | $-10.6M | $13.7M | ||
| Q3 25 | $-8.5M | $13.7M | ||
| Q2 25 | $-34.2M | $11.7M | ||
| Q1 25 | $-11.6M | $11.3M | ||
| Q4 24 | $-707.0K | $9.6M | ||
| Q3 24 | $2.3M | $9.1M | ||
| Q2 24 | $3.8M | $8.0M |
| Q1 26 | — | — | ||
| Q4 25 | 23.3% | — | ||
| Q3 25 | 28.0% | — | ||
| Q2 25 | 28.1% | — | ||
| Q1 25 | 29.9% | — | ||
| Q4 24 | 31.0% | — | ||
| Q3 24 | 32.3% | — | ||
| Q2 24 | 28.8% | — |
| Q1 26 | — | — | ||
| Q4 25 | -25.7% | 31.3% | ||
| Q3 25 | -18.9% | 33.2% | ||
| Q2 25 | -66.7% | 29.0% | ||
| Q1 25 | -11.9% | 29.0% | ||
| Q4 24 | -0.9% | 26.5% | ||
| Q3 24 | 1.0% | 24.3% | ||
| Q2 24 | 6.6% | 25.6% |
| Q1 26 | — | 25.4% | ||
| Q4 25 | -26.0% | 25.7% | ||
| Q3 25 | -19.2% | 26.8% | ||
| Q2 25 | -66.7% | 23.8% | ||
| Q1 25 | -22.9% | 24.0% | ||
| Q4 24 | -1.4% | 20.6% | ||
| Q3 24 | 4.0% | 20.7% | ||
| Q2 24 | 5.7% | 19.8% |
| Q1 26 | — | $0.81 | ||
| Q4 25 | $-0.50 | $0.81 | ||
| Q3 25 | $-0.41 | $0.81 | ||
| Q2 25 | $-1.65 | $0.69 | ||
| Q1 25 | $-0.56 | $0.67 | ||
| Q4 24 | $-0.03 | $0.57 | ||
| Q3 24 | $0.11 | $0.54 | ||
| Q2 24 | $0.18 | $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 | $26.9M | $346.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $32.8M | $562.2M |
| Total Assets | $88.0M | $5.9B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $346.1M | ||
| Q4 25 | $26.9M | $464.4M | ||
| Q3 25 | $36.1M | $557.1M | ||
| Q2 25 | $41.1M | $365.1M | ||
| Q1 25 | $54.7M | $423.0M | ||
| Q4 24 | $50.1M | $387.6M | ||
| Q3 24 | $52.0M | $192.9M | ||
| Q2 24 | $46.0M | $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 | $32.8M | $552.4M | ||
| Q3 25 | $43.1M | $538.4M | ||
| Q2 25 | $51.5M | $519.0M | ||
| Q1 25 | $85.1M | $505.8M | ||
| Q4 24 | $96.2M | $491.3M | ||
| Q3 24 | $96.4M | $489.0M | ||
| Q2 24 | $93.5M | $472.5M |
| Q1 26 | — | $5.9B | ||
| Q4 25 | $88.0M | $5.9B | ||
| Q3 25 | $100.3M | $5.8B | ||
| Q2 25 | $109.8M | $5.5B | ||
| Q1 25 | $148.7M | $5.4B | ||
| Q4 24 | $144.8M | $5.3B | ||
| Q3 24 | $146.0M | $4.9B | ||
| Q2 24 | $152.7M | $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 | $-9.2M | — |
| Free Cash FlowOCF − Capex | $-9.2M | — |
| FCF MarginFCF / Revenue | -22.7% | — |
| Capex IntensityCapex / Revenue | 0.1% | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $-23.0M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $-9.2M | $61.7M | ||
| Q3 25 | $-2.2M | $16.9M | ||
| Q2 25 | $-12.3M | $14.0M | ||
| Q1 25 | $7.0M | $14.3M | ||
| Q4 24 | $-1.2M | $52.7M | ||
| Q3 24 | $7.4M | $12.4M | ||
| Q2 24 | $-8.5M | $16.5M |
| Q1 26 | — | — | ||
| Q4 25 | $-9.2M | $59.3M | ||
| Q3 25 | $-4.8M | $16.6M | ||
| Q2 25 | $-13.6M | $13.2M | ||
| Q1 25 | $4.6M | $13.4M | ||
| Q4 24 | $-1.9M | $46.3M | ||
| Q3 24 | $6.1M | $11.3M | ||
| Q2 24 | $-9.2M | $15.4M |
| Q1 26 | — | — | ||
| Q4 25 | -22.7% | 111.3% | ||
| Q3 25 | -10.8% | 32.4% | ||
| Q2 25 | -26.5% | 26.9% | ||
| Q1 25 | 9.1% | 28.5% | ||
| Q4 24 | -3.7% | 98.9% | ||
| Q3 24 | 10.6% | 25.7% | ||
| Q2 24 | -13.9% | 38.2% |
| Q1 26 | — | — | ||
| Q4 25 | 0.1% | 4.5% | ||
| Q3 25 | 5.9% | 0.6% | ||
| Q2 25 | 2.5% | 1.6% | ||
| Q1 25 | 4.7% | 2.0% | ||
| Q4 24 | 1.5% | 13.7% | ||
| Q3 24 | 2.2% | 2.4% | ||
| Q2 24 | 1.0% | 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 | 3.18× | 1.36× | ||
| Q2 24 | -2.27× | 2.07× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PETS
| Reorder | $34.0M | 84% |
| New Order | $5.0M | 12% |
| Membership Fees | $1.6M | 4% |
SMBK
| Net Interest Income | $45.9M | 85% |
| Noninterest Income | $7.9M | 15% |
