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Side-by-side financial comparison of SANDRIDGE ENERGY INC (SD) 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 $39.4M, roughly 1.4× SANDRIDGE ENERGY INC). SANDRIDGE ENERGY INC runs the higher net margin — 54.9% vs 25.4%, a 29.5% gap on every dollar of revenue. Over the past eight quarters, SMARTFINANCIAL INC.'s revenue compounded faster (15.4% CAGR vs 14.1%).

SandRidge Energy, Inc. is a company engaged in hydrocarbon exploration in the Mid-Continent region of the United States. It is organized in Delaware and headquartered in Oklahoma City, Oklahoma.

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.

SD vs SMBK — Head-to-Head

Bigger by revenue
SMBK
SMBK
1.4× larger
SMBK
$53.8M
$39.4M
SD
Higher net margin
SD
SD
29.5% more per $
SD
54.9%
25.4%
SMBK
Faster 2-yr revenue CAGR
SMBK
SMBK
Annualised
SMBK
15.4%
14.1%
SD

Income Statement — Q4 FY2025 vs Q1 FY2026

Metric
SD
SD
SMBK
SMBK
Revenue
$39.4M
$53.8M
Net Profit
$21.6M
$13.7M
Gross Margin
Operating Margin
38.5%
Net Margin
54.9%
25.4%
Revenue YoY
1.1%
Net Profit YoY
23.1%
21.6%
EPS (diluted)
$0.59
$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.

Revenue
SD
SD
SMBK
SMBK
Q1 26
$53.8M
Q4 25
$39.4M
$53.3M
Q3 25
$39.8M
$51.1M
Q2 25
$34.5M
$49.2M
Q1 25
$42.6M
$46.8M
Q4 24
$39.0M
$46.8M
Q3 24
$30.1M
$44.2M
Q2 24
$26.0M
$40.4M
Net Profit
SD
SD
SMBK
SMBK
Q1 26
$13.7M
Q4 25
$21.6M
$13.7M
Q3 25
$16.0M
$13.7M
Q2 25
$19.6M
$11.7M
Q1 25
$13.0M
$11.3M
Q4 24
$17.6M
$9.6M
Q3 24
$25.5M
$9.1M
Q2 24
$8.8M
$8.0M
Operating Margin
SD
SD
SMBK
SMBK
Q1 26
Q4 25
38.5%
31.3%
Q3 25
37.8%
33.2%
Q2 25
53.7%
29.0%
Q1 25
28.6%
29.0%
Q4 24
25.9%
26.5%
Q3 24
28.3%
24.3%
Q2 24
23.9%
25.6%
Net Margin
SD
SD
SMBK
SMBK
Q1 26
25.4%
Q4 25
54.9%
25.7%
Q3 25
40.1%
26.8%
Q2 25
56.6%
23.8%
Q1 25
30.6%
24.0%
Q4 24
45.1%
20.6%
Q3 24
84.8%
20.7%
Q2 24
33.9%
19.8%
EPS (diluted)
SD
SD
SMBK
SMBK
Q1 26
$0.81
Q4 25
$0.59
$0.81
Q3 25
$0.43
$0.81
Q2 25
$0.53
$0.69
Q1 25
$0.35
$0.67
Q4 24
$0.46
$0.57
Q3 24
$0.69
$0.54
Q2 24
$0.24
$0.48

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
SD
SD
SMBK
SMBK
Cash + ST InvestmentsLiquidity on hand
$111.0M
$346.1M
Total DebtLower is stronger
Stockholders' EquityBook value
$510.9M
$562.2M
Total Assets
$644.0M
$5.9B
Debt / EquityLower = less leverage

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
SD
SD
SMBK
SMBK
Q1 26
$346.1M
Q4 25
$111.0M
$464.4M
Q3 25
$101.2M
$557.1M
Q2 25
$102.8M
$365.1M
Q1 25
$99.7M
$423.0M
Q4 24
$98.1M
$387.6M
Q3 24
$92.7M
$192.9M
Q2 24
$209.9M
$342.8M
Total Debt
SD
SD
SMBK
SMBK
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
Stockholders' Equity
SD
SD
SMBK
SMBK
Q1 26
$562.2M
Q4 25
$510.9M
$552.4M
Q3 25
$492.4M
$538.4M
Q2 25
$480.2M
$519.0M
Q1 25
$464.9M
$505.8M
Q4 24
$460.5M
$491.3M
Q3 24
$446.8M
$489.0M
Q2 24
$424.8M
$472.5M
Total Assets
SD
SD
SMBK
SMBK
Q1 26
$5.9B
Q4 25
$644.0M
$5.9B
Q3 25
$619.0M
$5.8B
Q2 25
$602.3M
$5.5B
Q1 25
$588.3M
$5.4B
Q4 24
$581.5M
$5.3B
Q3 24
$565.2M
$4.9B
Q2 24
$529.6M
$4.9B
Debt / Equity
SD
SD
SMBK
SMBK
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
SD
SD
SMBK
SMBK
Operating Cash FlowLast quarter
$31.7M
Free Cash FlowOCF − Capex
$14.4M
FCF MarginFCF / Revenue
36.6%
Capex IntensityCapex / Revenue
43.8%
Cash ConversionOCF / Net Profit
1.46×
TTM Free Cash FlowTrailing 4 quarters
$41.5M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
SD
SD
SMBK
SMBK
Q1 26
Q4 25
$31.7M
$61.7M
Q3 25
$25.3M
$16.9M
Q2 25
$22.9M
$14.0M
Q1 25
$20.3M
$14.3M
Q4 24
$26.0M
$52.7M
Q3 24
$20.8M
$12.4M
Q2 24
$11.4M
$16.5M
Free Cash Flow
SD
SD
SMBK
SMBK
Q1 26
Q4 25
$14.4M
$59.3M
Q3 25
$5.9M
$16.6M
Q2 25
$7.3M
$13.2M
Q1 25
$13.9M
$13.4M
Q4 24
$13.2M
$46.3M
Q3 24
$10.8M
$11.3M
Q2 24
$9.0M
$15.4M
FCF Margin
SD
SD
SMBK
SMBK
Q1 26
Q4 25
36.6%
111.3%
Q3 25
14.9%
32.4%
Q2 25
21.0%
26.9%
Q1 25
32.7%
28.5%
Q4 24
33.8%
98.9%
Q3 24
36.1%
25.7%
Q2 24
34.5%
38.2%
Capex Intensity
SD
SD
SMBK
SMBK
Q1 26
Q4 25
43.8%
4.5%
Q3 25
48.6%
0.6%
Q2 25
45.2%
1.6%
Q1 25
15.0%
2.0%
Q4 24
32.9%
13.7%
Q3 24
33.3%
2.4%
Q2 24
9.4%
2.7%
Cash Conversion
SD
SD
SMBK
SMBK
Q1 26
Q4 25
1.46×
4.50×
Q3 25
1.58×
1.23×
Q2 25
1.17×
1.20×
Q1 25
1.56×
1.27×
Q4 24
1.48×
5.47×
Q3 24
0.82×
1.36×
Q2 24
1.30×
2.07×

Financial Flow Comparison

Revenue → gross profit → operating profit → net profit for each company.

Revenue Breakdown by Segment

SD
SD

Oil Reserves$19.0M48%
Natural Gas Reserves$11.6M30%
Natural Gas Liquids Reserves$8.7M22%

SMBK
SMBK

Net Interest Income$45.9M85%
Noninterest Income$7.9M15%

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