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Side-by-side financial comparison of SMARTFINANCIAL INC. (SMBK) and STEM, INC. (STEM). Click either name above to swap in a different company.
SMARTFINANCIAL INC. is the larger business by last-quarter revenue ($53.8M vs $47.1M, roughly 1.1× STEM, INC.). SMARTFINANCIAL INC. runs the higher net margin — 25.4% vs -33.9%, a 59.3% gap on every dollar of revenue. Over the past eight quarters, STEM, INC.'s revenue compounded faster (36.1% CAGR vs 15.4%).
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.
StemCells, Inc. is a public biopharmaceutical company headquartered in Newark, California, that is developing purified human neural stem cells (HuCNS-SCs) in the hopes of treating central nervous system disorders and paralysis. StemCells' HuCNS-SCs have the ability to differentiate into the three main types of cells found in the central nervous system: neurons, astrocytes and oligodendrocytes.
SMBK vs STEM — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $53.8M | $47.1M |
| Net Profit | $13.7M | $-16.0M |
| Gross Margin | — | 48.9% |
| Operating Margin | — | -17.7% |
| Net Margin | 25.4% | -33.9% |
| Revenue YoY | — | -15.6% |
| Net Profit YoY | 21.6% | 68.8% |
| EPS (diluted) | $0.81 | $-4.40 |
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 | $47.1M | ||
| Q3 25 | $51.1M | $38.2M | ||
| Q2 25 | $49.2M | $38.4M | ||
| Q1 25 | $46.8M | $32.5M | ||
| Q4 24 | $46.8M | $55.8M | ||
| Q3 24 | $44.2M | $29.3M | ||
| Q2 24 | $40.4M | $34.0M |
| Q1 26 | $13.7M | — | ||
| Q4 25 | $13.7M | $-16.0M | ||
| Q3 25 | $13.7M | $-23.8M | ||
| Q2 25 | $11.7M | $202.5M | ||
| Q1 25 | $11.3M | $-25.0M | ||
| Q4 24 | $9.6M | $-51.1M | ||
| Q3 24 | $9.1M | $-148.3M | ||
| Q2 24 | $8.0M | $-582.3M |
| Q1 26 | — | — | ||
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% |
| Q1 26 | — | — | ||
| Q4 25 | 31.3% | -17.7% | ||
| Q3 25 | 33.2% | -33.6% | ||
| Q2 25 | 29.0% | -34.8% | ||
| Q1 25 | 29.0% | -65.0% | ||
| Q4 24 | 26.5% | -84.4% | ||
| Q3 24 | 24.3% | -493.2% | ||
| Q2 24 | 25.6% | -1705.5% |
| Q1 26 | 25.4% | — | ||
| Q4 25 | 25.7% | -33.9% | ||
| Q3 25 | 26.8% | -62.2% | ||
| Q2 25 | 23.8% | 527.8% | ||
| Q1 25 | 24.0% | -76.9% | ||
| Q4 24 | 20.6% | -91.6% | ||
| Q3 24 | 20.7% | -506.3% | ||
| Q2 24 | 19.8% | -1712.6% |
| Q1 26 | $0.81 | — | ||
| Q4 25 | $0.81 | $-4.40 | ||
| Q3 25 | $0.81 | $-2.84 | ||
| Q2 25 | $0.69 | $-1.79 | ||
| Q1 25 | $0.67 | $-0.15 | ||
| Q4 24 | $0.57 | $-15.29 | ||
| Q3 24 | $0.54 | $-18.24 | ||
| Q2 24 | $0.48 | $-71.81 |
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 | $48.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $562.2M | $-249.4M |
| Total Assets | $5.9B | $308.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $346.1M | — | ||
| Q4 25 | $464.4M | $48.9M | ||
| Q3 25 | $557.1M | $43.1M | ||
| Q2 25 | $365.1M | $40.8M | ||
| Q1 25 | $423.0M | $58.6M | ||
| Q4 24 | $387.6M | $56.3M | ||
| Q3 24 | $192.9M | $75.4M | ||
| Q2 24 | $342.8M | $89.6M |
| 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 | $-249.4M | ||
| Q3 25 | $538.4M | $-235.7M | ||
| Q2 25 | $519.0M | $-214.1M | ||
| Q1 25 | $505.8M | $-417.5M | ||
| Q4 24 | $491.3M | $-398.4M | ||
| Q3 24 | $489.0M | $-344.1M | ||
| Q2 24 | $472.5M | $-203.2M |
| Q1 26 | $5.9B | — | ||
| Q4 25 | $5.9B | $308.9M | ||
| Q3 25 | $5.8B | $362.6M | ||
| Q2 25 | $5.5B | $379.2M | ||
| Q1 25 | $5.4B | $405.1M | ||
| Q4 24 | $5.3B | $437.4M | ||
| Q3 24 | $4.9B | $537.8M | ||
| Q2 24 | $4.9B | $691.5M |
| 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 | — | $8.2M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $61.7M | $8.2M | ||
| Q3 25 | $16.9M | $11.4M | ||
| Q2 25 | $14.0M | $-21.3M | ||
| Q1 25 | $14.3M | $8.5M | ||
| Q4 24 | $52.7M | $-14.7M | ||
| Q3 24 | $12.4M | $-9.4M | ||
| Q2 24 | $16.5M | $-11.9M |
| Q1 26 | — | — | ||
| Q4 25 | $59.3M | — | ||
| Q3 25 | $16.6M | — | ||
| Q2 25 | $13.2M | — | ||
| Q1 25 | $13.4M | — | ||
| Q4 24 | $46.3M | — | ||
| Q3 24 | $11.3M | — | ||
| Q2 24 | $15.4M | — |
| Q1 26 | — | — | ||
| Q4 25 | 111.3% | — | ||
| Q3 25 | 32.4% | — | ||
| Q2 25 | 26.9% | — | ||
| Q1 25 | 28.5% | — | ||
| Q4 24 | 98.9% | — | ||
| Q3 24 | 25.7% | — | ||
| Q2 24 | 38.2% | — |
| Q1 26 | — | — | ||
| Q4 25 | 4.5% | — | ||
| Q3 25 | 0.6% | — | ||
| Q2 25 | 1.6% | — | ||
| Q1 25 | 2.0% | — | ||
| Q4 24 | 13.7% | — | ||
| Q3 24 | 2.4% | — | ||
| Q2 24 | 2.7% | — |
| Q1 26 | — | — | ||
| Q4 25 | 4.50× | — | ||
| Q3 25 | 1.23× | — | ||
| Q2 25 | 1.20× | -0.11× | ||
| 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% |
STEM
Segment breakdown not available.
