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Side-by-side financial comparison of SMARTFINANCIAL INC. (SMBK) and Smart Sand, Inc. (SND). Click either name above to swap in a different company.
Smart Sand, Inc. is the larger business by last-quarter revenue ($86.0M vs $53.8M, roughly 1.6× SMARTFINANCIAL INC.). SMARTFINANCIAL INC. runs the higher net margin — 25.4% vs 1.4%, a 24.1% gap on every dollar of revenue. Over the past eight quarters, SMARTFINANCIAL INC.'s revenue compounded faster (15.4% CAGR vs 1.8%).
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.
Sand 9 is a fabless Micro-electromechanical system (MEMS) company based in Cambridge, Massachusetts. Sand 9 developed a piezoelectric MEMS resonator to serve as an alternative for quartz timing devices in applications such as smart phones, low-power wireless devices, and communications infrastructure equipment.
SMBK vs SND — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $53.8M | $86.0M |
| Net Profit | $13.7M | $1.2M |
| Gross Margin | — | 13.0% |
| Operating Margin | — | -3.1% |
| Net Margin | 25.4% | 1.4% |
| Revenue YoY | — | -5.8% |
| Net Profit YoY | 21.6% | -68.5% |
| EPS (diluted) | $0.81 | $0.03 |
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 | $86.0M | ||
| Q3 25 | $51.1M | $92.8M | ||
| Q2 25 | $49.2M | $85.8M | ||
| Q1 25 | $46.8M | $65.6M | ||
| Q4 24 | $46.8M | $91.4M | ||
| Q3 24 | $44.2M | $63.2M | ||
| Q2 24 | $40.4M | $73.8M |
| Q1 26 | $13.7M | — | ||
| Q4 25 | $13.7M | $1.2M | ||
| Q3 25 | $13.7M | $3.0M | ||
| Q2 25 | $11.7M | $21.4M | ||
| Q1 25 | $11.3M | $-24.2M | ||
| Q4 24 | $9.6M | $3.7M | ||
| Q3 24 | $9.1M | $-98.0K | ||
| Q2 24 | $8.0M | $-430.0K |
| Q1 26 | — | — | ||
| Q4 25 | — | 13.0% | ||
| Q3 25 | — | 16.1% | ||
| Q2 25 | — | 10.4% | ||
| Q1 25 | — | 4.2% | ||
| Q4 24 | — | 14.7% | ||
| Q3 24 | — | 10.3% | ||
| Q2 24 | — | 17.7% |
| Q1 26 | — | — | ||
| Q4 25 | 31.3% | -3.1% | ||
| Q3 25 | 33.2% | 5.8% | ||
| Q2 25 | 29.0% | -0.1% | ||
| Q1 25 | 29.0% | -10.8% | ||
| Q4 24 | 26.5% | 3.9% | ||
| Q3 24 | 24.3% | -7.8% | ||
| Q2 24 | 25.6% | 4.8% |
| Q1 26 | 25.4% | — | ||
| Q4 25 | 25.7% | 1.4% | ||
| Q3 25 | 26.8% | 3.2% | ||
| Q2 25 | 23.8% | 24.9% | ||
| Q1 25 | 24.0% | -37.0% | ||
| Q4 24 | 20.6% | 4.1% | ||
| Q3 24 | 20.7% | -0.2% | ||
| Q2 24 | 19.8% | -0.6% |
| Q1 26 | $0.81 | — | ||
| Q4 25 | $0.81 | $0.03 | ||
| Q3 25 | $0.81 | $0.08 | ||
| Q2 25 | $0.69 | $0.54 | ||
| Q1 25 | $0.67 | $-0.62 | ||
| Q4 24 | $0.57 | $0.10 | ||
| Q3 24 | $0.54 | $0.00 | ||
| Q2 24 | $0.48 | $-0.01 |
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 | $22.6M |
| Total DebtLower is stronger | — | $15.0M |
| Stockholders' EquityBook value | $562.2M | $239.7M |
| Total Assets | $5.9B | $340.0M |
| Debt / EquityLower = less leverage | — | 0.06× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $346.1M | — | ||
| Q4 25 | $464.4M | $22.6M | ||
| Q3 25 | $557.1M | $5.1M | ||
| Q2 25 | $365.1M | $4.3M | ||
| Q1 25 | $423.0M | $5.1M | ||
| Q4 24 | $387.6M | $1.6M | ||
| Q3 24 | $192.9M | $7.2M | ||
| Q2 24 | $342.8M | $6.3M |
| Q1 26 | — | — | ||
| Q4 25 | — | $15.0M | ||
| Q3 25 | $1.3M | $14.3M | ||
| Q2 25 | $7.0M | $23.5M | ||
| Q1 25 | $7.6M | $13.7M | ||
| Q4 24 | $8.1M | $14.7M | ||
| Q3 24 | $9.0M | $15.7M | ||
| Q2 24 | $12.7M | $17.1M |
| Q1 26 | $562.2M | — | ||
| Q4 25 | $552.4M | $239.7M | ||
| Q3 25 | $538.4M | $239.9M | ||
| Q2 25 | $519.0M | $240.5M | ||
| Q1 25 | $505.8M | $219.9M | ||
| Q4 24 | $491.3M | $243.8M | ||
| Q3 24 | $489.0M | $243.6M | ||
| Q2 24 | $472.5M | $242.9M |
| Q1 26 | $5.9B | — | ||
| Q4 25 | $5.9B | $340.0M | ||
| Q3 25 | $5.8B | $343.1M | ||
| Q2 25 | $5.5B | $345.8M | ||
| Q1 25 | $5.4B | $326.9M | ||
| Q4 24 | $5.3B | $341.5M | ||
| Q3 24 | $4.9B | $335.8M | ||
| Q2 24 | $4.9B | $341.8M |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.06× | ||
| Q3 25 | 0.00× | 0.06× | ||
| Q2 25 | 0.01× | 0.10× | ||
| Q1 25 | 0.02× | 0.06× | ||
| Q4 24 | 0.02× | 0.06× | ||
| Q3 24 | 0.02× | 0.06× | ||
| Q2 24 | 0.03× | 0.07× |
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 | — | $22.4M |
| Free Cash FlowOCF − Capex | — | $20.4M |
| FCF MarginFCF / Revenue | — | 23.7% |
| Capex IntensityCapex / Revenue | — | 2.3% |
| Cash ConversionOCF / Net Profit | — | 18.99× |
| TTM Free Cash FlowTrailing 4 quarters | — | $32.5M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $61.7M | $22.4M | ||
| Q3 25 | $16.9M | $18.2M | ||
| Q2 25 | $14.0M | $-5.1M | ||
| Q1 25 | $14.3M | $8.7M | ||
| Q4 24 | $52.7M | $1.0M | ||
| Q3 24 | $12.4M | $5.8M | ||
| Q2 24 | $16.5M | $14.9M |
| Q1 26 | — | — | ||
| Q4 25 | $59.3M | $20.4M | ||
| Q3 25 | $16.6M | $14.8M | ||
| Q2 25 | $13.2M | $-7.8M | ||
| Q1 25 | $13.4M | $5.2M | ||
| Q4 24 | $46.3M | $-840.0K | ||
| Q3 24 | $11.3M | $3.7M | ||
| Q2 24 | $15.4M | $13.5M |
| Q1 26 | — | — | ||
| Q4 25 | 111.3% | 23.7% | ||
| Q3 25 | 32.4% | 15.9% | ||
| Q2 25 | 26.9% | -9.1% | ||
| Q1 25 | 28.5% | 7.9% | ||
| Q4 24 | 98.9% | -0.9% | ||
| Q3 24 | 25.7% | 5.8% | ||
| Q2 24 | 38.2% | 18.3% |
| Q1 26 | — | — | ||
| Q4 25 | 4.5% | 2.3% | ||
| Q3 25 | 0.6% | 3.6% | ||
| Q2 25 | 1.6% | 3.1% | ||
| Q1 25 | 2.0% | 5.4% | ||
| Q4 24 | 13.7% | 2.1% | ||
| Q3 24 | 2.4% | 3.4% | ||
| Q2 24 | 2.7% | 1.8% |
| Q1 26 | — | — | ||
| Q4 25 | 4.50× | 18.99× | ||
| Q3 25 | 1.23× | 6.05× | ||
| Q2 25 | 1.20× | -0.24× | ||
| Q1 25 | 1.27× | — | ||
| Q4 24 | 5.47× | 0.28× | ||
| 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% |
SND
| Sand | $85.1M | 99% |
| Smart Systems Segment | $980.0K | 1% |
