vs
Side-by-side financial comparison of SMARTFINANCIAL INC. (SMBK) and SmartRent, Inc. (SMRT). Click either name above to swap in a different company.
SMARTFINANCIAL INC. is the larger business by last-quarter revenue ($53.8M vs $36.5M, roughly 1.5× SmartRent, Inc.). SMARTFINANCIAL INC. runs the higher net margin — 25.4% vs -8.9%, a 34.3% gap on every dollar of revenue. Over the past eight quarters, SMARTFINANCIAL INC.'s revenue compounded faster (15.4% CAGR vs -15.0%).
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.
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.
SMBK vs SMRT — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $53.8M | $36.5M |
| Net Profit | $13.7M | $-3.2M |
| Gross Margin | — | 38.6% |
| Operating Margin | — | -10.9% |
| Net Margin | 25.4% | -8.9% |
| Revenue YoY | — | 3.1% |
| Net Profit YoY | 21.6% | 71.6% |
| EPS (diluted) | $0.81 | $-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 | $53.8M | — | ||
| Q4 25 | $53.3M | $36.5M | ||
| Q3 25 | $51.1M | $36.2M | ||
| Q2 25 | $49.2M | $38.3M | ||
| Q1 25 | $46.8M | $41.3M | ||
| Q4 24 | $46.8M | $35.4M | ||
| Q3 24 | $44.2M | $40.5M | ||
| Q2 24 | $40.4M | $48.5M |
| Q1 26 | $13.7M | — | ||
| Q4 25 | $13.7M | $-3.2M | ||
| Q3 25 | $13.7M | $-6.3M | ||
| Q2 25 | $11.7M | $-10.9M | ||
| Q1 25 | $11.3M | $-40.2M | ||
| Q4 24 | $9.6M | $-11.4M | ||
| Q3 24 | $9.1M | $-9.9M | ||
| Q2 24 | $8.0M | $-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 | 31.3% | -10.9% | ||
| Q3 25 | 33.2% | -19.4% | ||
| Q2 25 | 29.0% | -30.5% | ||
| Q1 25 | 29.0% | -99.9% | ||
| Q4 24 | 26.5% | -36.6% | ||
| Q3 24 | 24.3% | -29.0% | ||
| Q2 24 | 25.6% | -14.3% |
| Q1 26 | 25.4% | — | ||
| Q4 25 | 25.7% | -8.9% | ||
| Q3 25 | 26.8% | -17.3% | ||
| Q2 25 | 23.8% | -28.3% | ||
| Q1 25 | 24.0% | -97.2% | ||
| Q4 24 | 20.6% | -32.3% | ||
| Q3 24 | 20.7% | -24.5% | ||
| Q2 24 | 19.8% | -9.5% |
| Q1 26 | $0.81 | — | ||
| Q4 25 | $0.81 | $-0.02 | ||
| Q3 25 | $0.81 | $-0.03 | ||
| Q2 25 | $0.69 | $-0.06 | ||
| Q1 25 | $0.67 | $-0.21 | ||
| Q4 24 | $0.57 | $-0.06 | ||
| Q3 24 | $0.54 | $-0.05 | ||
| Q2 24 | $0.48 | $-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 | $346.1M | $104.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $562.2M | $232.1M |
| Total Assets | $5.9B | $320.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $346.1M | — | ||
| Q4 25 | $464.4M | $104.5M | ||
| Q3 25 | $557.1M | $100.0M | ||
| Q2 25 | $365.1M | $105.0M | ||
| Q1 25 | $423.0M | $125.6M | ||
| Q4 24 | $387.6M | $142.5M | ||
| Q3 24 | $192.9M | $163.4M | ||
| Q2 24 | $342.8M | $187.4M |
| 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 | $552.4M | $232.1M | ||
| Q3 25 | $538.4M | $234.4M | ||
| Q2 25 | $519.0M | $238.8M | ||
| Q1 25 | $505.8M | $250.7M | ||
| Q4 24 | $491.3M | $289.4M | ||
| Q3 24 | $489.0M | $305.1M | ||
| Q2 24 | $472.5M | $329.4M |
| Q1 26 | $5.9B | — | ||
| Q4 25 | $5.9B | $320.9M | ||
| Q3 25 | $5.8B | $335.8M | ||
| Q2 25 | $5.5B | $354.0M | ||
| Q1 25 | $5.4B | $366.1M | ||
| Q4 24 | $5.3B | $420.2M | ||
| Q3 24 | $4.9B | $448.6M | ||
| Q2 24 | $4.9B | $475.3M |
| 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 | — | $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 | $61.7M | $7.7M | ||
| Q3 25 | $16.9M | $-2.1M | ||
| Q2 25 | $14.0M | $-14.9M | ||
| Q1 25 | $14.3M | $-12.2M | ||
| Q4 24 | $52.7M | $-12.0M | ||
| Q3 24 | $12.4M | $-3.7M | ||
| Q2 24 | $16.5M | $-13.9M |
| Q1 26 | — | — | ||
| Q4 25 | $59.3M | $7.7M | ||
| Q3 25 | $16.6M | $-2.2M | ||
| Q2 25 | $13.2M | $-16.2M | ||
| Q1 25 | $13.4M | $-14.3M | ||
| Q4 24 | $46.3M | $-13.3M | ||
| Q3 24 | $11.3M | $-3.9M | ||
| Q2 24 | $15.4M | $-14.1M |
| Q1 26 | — | — | ||
| Q4 25 | 111.3% | 21.0% | ||
| Q3 25 | 32.4% | -6.1% | ||
| Q2 25 | 26.9% | -42.3% | ||
| Q1 25 | 28.5% | -34.7% | ||
| Q4 24 | 98.9% | -37.5% | ||
| Q3 24 | 25.7% | -9.7% | ||
| Q2 24 | 38.2% | -29.1% |
| Q1 26 | — | — | ||
| Q4 25 | 4.5% | 0.0% | ||
| Q3 25 | 0.6% | 0.2% | ||
| Q2 25 | 1.6% | 3.3% | ||
| Q1 25 | 2.0% | 5.3% | ||
| Q4 24 | 13.7% | 3.5% | ||
| Q3 24 | 2.4% | 0.6% | ||
| Q2 24 | 2.7% | 0.5% |
| Q1 26 | — | — | ||
| Q4 25 | 4.50× | — | ||
| Q3 25 | 1.23× | — | ||
| Q2 25 | 1.20× | — | ||
| Q1 25 | 1.27× | — | ||
| Q4 24 | 5.47× | — | ||
| Q3 24 | 1.36× | — | ||
| Q2 24 | 2.07× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
SMBK
| Net Interest Income | $45.9M | 85% |
| Noninterest Income | $7.9M | 15% |
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% |
