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Side-by-side financial comparison of SMARTFINANCIAL INC. (SMBK) and Spok Holdings, Inc (SPOK). Click either name above to swap in a different company.
SMARTFINANCIAL INC. is the larger business by last-quarter revenue ($53.8M vs $33.9M, roughly 1.6× Spok Holdings, Inc). SMARTFINANCIAL INC. runs the higher net margin — 25.4% vs 8.7%, a 16.8% gap on every dollar of revenue. Over the past eight quarters, SMARTFINANCIAL INC.'s revenue compounded faster (15.4% CAGR vs -1.5%).
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.
Spok Holdings, Inc. is a global provider of critical communication solutions primarily serving the healthcare industry. It offers unified clinical communication platforms, secure messaging tools, alerting systems, and on-call scheduling software that help care teams coordinate efficiently, cut response times, and boost patient safety across medical facilities.
SMBK vs SPOK — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $53.8M | $33.9M |
| Net Profit | $13.7M | $2.9M |
| Gross Margin | — | 76.7% |
| Operating Margin | — | 11.6% |
| Net Margin | 25.4% | 8.7% |
| Revenue YoY | — | -0.1% |
| Net Profit YoY | 21.6% | -19.6% |
| EPS (diluted) | $0.81 | $0.13 |
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 | $33.9M | ||
| Q3 25 | $51.1M | $33.9M | ||
| Q2 25 | $49.2M | $35.7M | ||
| Q1 25 | $46.8M | $36.3M | ||
| Q4 24 | $46.8M | $33.9M | ||
| Q3 24 | $44.2M | $34.9M | ||
| Q2 24 | $40.4M | $34.0M |
| Q1 26 | $13.7M | — | ||
| Q4 25 | $13.7M | $2.9M | ||
| Q3 25 | $13.7M | $3.2M | ||
| Q2 25 | $11.7M | $4.6M | ||
| Q1 25 | $11.3M | $5.2M | ||
| Q4 24 | $9.6M | $3.6M | ||
| Q3 24 | $9.1M | $3.7M | ||
| Q2 24 | $8.0M | $3.4M |
| Q1 26 | — | — | ||
| Q4 25 | — | 76.7% | ||
| Q3 25 | — | 78.3% | ||
| Q2 25 | — | 79.5% | ||
| Q1 25 | — | 80.1% | ||
| Q4 24 | — | 78.5% | ||
| Q3 24 | — | 79.5% | ||
| Q2 24 | — | 78.9% |
| Q1 26 | — | — | ||
| Q4 25 | 31.3% | 11.6% | ||
| Q3 25 | 33.2% | 12.9% | ||
| Q2 25 | 29.0% | 15.1% | ||
| Q1 25 | 29.0% | 16.6% | ||
| Q4 24 | 26.5% | 13.7% | ||
| Q3 24 | 24.3% | 14.2% | ||
| Q2 24 | 25.6% | 13.2% |
| Q1 26 | 25.4% | — | ||
| Q4 25 | 25.7% | 8.7% | ||
| Q3 25 | 26.8% | 9.5% | ||
| Q2 25 | 23.8% | 12.8% | ||
| Q1 25 | 24.0% | 14.3% | ||
| Q4 24 | 20.6% | 10.8% | ||
| Q3 24 | 20.7% | 10.5% | ||
| Q2 24 | 19.8% | 10.1% |
| Q1 26 | $0.81 | — | ||
| Q4 25 | $0.81 | $0.13 | ||
| Q3 25 | $0.81 | $0.15 | ||
| Q2 25 | $0.69 | $0.22 | ||
| Q1 25 | $0.67 | $0.25 | ||
| Q4 24 | $0.57 | $0.17 | ||
| Q3 24 | $0.54 | $0.18 | ||
| Q2 24 | $0.48 | $0.17 |
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 | $25.3M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $562.2M | $146.4M |
| Total Assets | $5.9B | $206.1M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $346.1M | — | ||
| Q4 25 | $464.4M | $25.3M | ||
| Q3 25 | $557.1M | $21.4M | ||
| Q2 25 | $365.1M | $20.2M | ||
| Q1 25 | $423.0M | $19.9M | ||
| Q4 24 | $387.6M | $29.1M | ||
| Q3 24 | $192.9M | $27.8M | ||
| Q2 24 | $342.8M | $23.9M |
| 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 | $146.4M | ||
| Q3 25 | $538.4M | $148.7M | ||
| Q2 25 | $519.0M | $150.9M | ||
| Q1 25 | $505.8M | $151.7M | ||
| Q4 24 | $491.3M | $154.7M | ||
| Q3 24 | $489.0M | $156.3M | ||
| Q2 24 | $472.5M | $158.2M |
| Q1 26 | $5.9B | — | ||
| Q4 25 | $5.9B | $206.1M | ||
| Q3 25 | $5.8B | $209.7M | ||
| Q2 25 | $5.5B | $208.7M | ||
| Q1 25 | $5.4B | $204.5M | ||
| Q4 24 | $5.3B | $217.1M | ||
| Q3 24 | $4.9B | $216.8M | ||
| Q2 24 | $4.9B | $216.4M |
| 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 | — | $11.5M |
| Free Cash FlowOCF − Capex | — | $10.1M |
| FCF MarginFCF / Revenue | — | 29.9% |
| Capex IntensityCapex / Revenue | — | 4.1% |
| Cash ConversionOCF / Net Profit | — | 3.93× |
| TTM Free Cash FlowTrailing 4 quarters | — | $25.2M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $61.7M | $11.5M | ||
| Q3 25 | $16.9M | $8.1M | ||
| Q2 25 | $14.0M | $7.0M | ||
| Q1 25 | $14.3M | $2.3M | ||
| Q4 24 | $52.7M | $8.4M | ||
| Q3 24 | $12.4M | $11.1M | ||
| Q2 24 | $16.5M | $7.4M |
| Q1 26 | — | — | ||
| Q4 25 | $59.3M | $10.1M | ||
| Q3 25 | $16.6M | $7.6M | ||
| Q2 25 | $13.2M | $6.0M | ||
| Q1 25 | $13.4M | $1.5M | ||
| Q4 24 | $46.3M | $7.5M | ||
| Q3 24 | $11.3M | $10.3M | ||
| Q2 24 | $15.4M | $6.8M |
| Q1 26 | — | — | ||
| Q4 25 | 111.3% | 29.9% | ||
| Q3 25 | 32.4% | 22.4% | ||
| Q2 25 | 26.9% | 16.8% | ||
| Q1 25 | 28.5% | 4.2% | ||
| Q4 24 | 98.9% | 22.3% | ||
| Q3 24 | 25.7% | 29.4% | ||
| Q2 24 | 38.2% | 20.0% |
| Q1 26 | — | — | ||
| Q4 25 | 4.5% | 4.1% | ||
| Q3 25 | 0.6% | 1.6% | ||
| Q2 25 | 1.6% | 2.9% | ||
| Q1 25 | 2.0% | 2.1% | ||
| Q4 24 | 13.7% | 2.5% | ||
| Q3 24 | 2.4% | 2.4% | ||
| Q2 24 | 2.7% | 1.9% |
| Q1 26 | — | — | ||
| Q4 25 | 4.50× | 3.93× | ||
| Q3 25 | 1.23× | 2.54× | ||
| Q2 25 | 1.20× | 1.55× | ||
| Q1 25 | 1.27× | 0.43× | ||
| Q4 24 | 5.47× | 2.31× | ||
| Q3 24 | 1.36× | 3.03× | ||
| Q2 24 | 2.07× | 2.17× |
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% |
SPOK
| Paging | $16.8M | 50% |
| Software Operations | $16.0M | 47% |
| License | $1.2M | 4% |
