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Side-by-side financial comparison of SMARTFINANCIAL INC. (SMBK) and Neuronetics, Inc. (STIM). Click either name above to swap in a different company.
SMARTFINANCIAL INC. is the larger business by last-quarter revenue ($53.8M vs $41.8M, roughly 1.3× Neuronetics, Inc.). SMARTFINANCIAL INC. runs the higher net margin — 25.4% vs -17.2%, a 42.7% gap on every dollar of revenue. Over the past eight quarters, Neuronetics, Inc.'s revenue compounded faster (54.9% 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.
Neuronetics is a Malvern, PA based, publicly traded company incorporated in Delaware in April 2003, that develops non-invasive treatments for psychiatric disorders that have shown resistance or lack of improvement using traditional medicine. The treatments are based upon neuromodulation technology.
SMBK vs STIM — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $53.8M | $41.8M |
| Net Profit | $13.7M | $-7.2M |
| Gross Margin | — | 52.0% |
| Operating Margin | — | -12.1% |
| Net Margin | 25.4% | -17.2% |
| Revenue YoY | — | 85.7% |
| Net Profit YoY | 21.6% | 43.2% |
| EPS (diluted) | $0.81 | $-0.10 |
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 | $41.8M | ||
| Q3 25 | $51.1M | $37.3M | ||
| Q2 25 | $49.2M | $38.1M | ||
| Q1 25 | $46.8M | $32.0M | ||
| Q4 24 | $46.8M | $22.5M | ||
| Q3 24 | $44.2M | $18.5M | ||
| Q2 24 | $40.4M | $16.4M |
| Q1 26 | $13.7M | — | ||
| Q4 25 | $13.7M | $-7.2M | ||
| Q3 25 | $13.7M | $-9.0M | ||
| Q2 25 | $11.7M | $-10.1M | ||
| Q1 25 | $11.3M | $-12.7M | ||
| Q4 24 | $9.6M | $-12.7M | ||
| Q3 24 | $9.1M | $-13.3M | ||
| Q2 24 | $8.0M | $-9.8M |
| Q1 26 | — | — | ||
| Q4 25 | — | 52.0% | ||
| Q3 25 | — | 45.9% | ||
| Q2 25 | — | 46.6% | ||
| Q1 25 | — | 49.2% | ||
| Q4 24 | — | 66.2% | ||
| Q3 24 | — | 75.6% | ||
| Q2 24 | — | 74.0% |
| Q1 26 | — | — | ||
| Q4 25 | 31.3% | -12.1% | ||
| Q3 25 | 33.2% | -19.6% | ||
| Q2 25 | 29.0% | -21.1% | ||
| Q1 25 | 29.0% | -34.4% | ||
| Q4 24 | 26.5% | -51.0% | ||
| Q3 24 | 24.3% | -41.7% | ||
| Q2 24 | 25.6% | -51.7% |
| Q1 26 | 25.4% | — | ||
| Q4 25 | 25.7% | -17.2% | ||
| Q3 25 | 26.8% | -24.3% | ||
| Q2 25 | 23.8% | -26.6% | ||
| Q1 25 | 24.0% | -39.6% | ||
| Q4 24 | 20.6% | -56.4% | ||
| Q3 24 | 20.7% | -72.0% | ||
| Q2 24 | 19.8% | -59.8% |
| Q1 26 | $0.81 | — | ||
| Q4 25 | $0.81 | $-0.10 | ||
| Q3 25 | $0.81 | $-0.13 | ||
| Q2 25 | $0.69 | $-0.15 | ||
| Q1 25 | $0.67 | $-0.21 | ||
| Q4 24 | $0.57 | $-0.34 | ||
| Q3 24 | $0.54 | $-0.44 | ||
| Q2 24 | $0.48 | $-0.33 |
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 | $28.1M |
| Total DebtLower is stronger | — | $65.8M |
| Stockholders' EquityBook value | $562.2M | $22.4M |
| Total Assets | $5.9B | $141.6M |
| Debt / EquityLower = less leverage | — | 2.94× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $346.1M | — | ||
| Q4 25 | $464.4M | $28.1M | ||
| Q3 25 | $557.1M | $28.0M | ||
| Q2 25 | $365.1M | $11.0M | ||
| Q1 25 | $423.0M | $20.2M | ||
| Q4 24 | $387.6M | $18.5M | ||
| Q3 24 | $192.9M | $20.9M | ||
| Q2 24 | $342.8M | $42.6M |
| Q1 26 | — | — | ||
| Q4 25 | — | $65.8M | ||
| Q3 25 | $1.3M | $65.7M | ||
| Q2 25 | $7.0M | $55.5M | ||
| Q1 25 | $7.6M | $55.3M | ||
| Q4 24 | $8.1M | $55.2M | ||
| Q3 24 | $9.0M | $46.0M | ||
| Q2 24 | $12.7M | $59.8M |
| Q1 26 | $562.2M | — | ||
| Q4 25 | $552.4M | $22.4M | ||
| Q3 25 | $538.4M | $27.4M | ||
| Q2 25 | $519.0M | $27.1M | ||
| Q1 25 | $505.8M | $35.5M | ||
| Q4 24 | $491.3M | $27.7M | ||
| Q3 24 | $489.0M | $9.4M | ||
| Q2 24 | $472.5M | $19.4M |
| Q1 26 | $5.9B | — | ||
| Q4 25 | $5.9B | $141.6M | ||
| Q3 25 | $5.8B | $145.5M | ||
| Q2 25 | $5.5B | $134.7M | ||
| Q1 25 | $5.4B | $142.0M | ||
| Q4 24 | $5.3B | $140.9M | ||
| Q3 24 | $4.9B | — | ||
| Q2 24 | $4.9B | $96.8M |
| Q1 26 | — | — | ||
| Q4 25 | — | 2.94× | ||
| Q3 25 | 0.00× | 2.40× | ||
| Q2 25 | 0.01× | 2.05× | ||
| Q1 25 | 0.02× | 1.56× | ||
| Q4 24 | 0.02× | 1.99× | ||
| Q3 24 | 0.02× | 4.90× | ||
| Q2 24 | 0.03× | 3.08× |
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 | — | $908.0K |
| Free Cash FlowOCF − Capex | — | $692.0K |
| FCF MarginFCF / Revenue | — | 1.7% |
| Capex IntensityCapex / Revenue | — | 0.5% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-21.2M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $61.7M | $908.0K | ||
| Q3 25 | $16.9M | $-785.0K | ||
| Q2 25 | $14.0M | $-3.5M | ||
| Q1 25 | $14.3M | $-17.0M | ||
| Q4 24 | $52.7M | $-8.6M | ||
| Q3 24 | $12.4M | $-5.4M | ||
| Q2 24 | $16.5M | $-5.0M |
| Q1 26 | — | — | ||
| Q4 25 | $59.3M | $692.0K | ||
| Q3 25 | $16.6M | $-899.0K | ||
| Q2 25 | $13.2M | $-3.8M | ||
| Q1 25 | $13.4M | $-17.2M | ||
| Q4 24 | $46.3M | $-8.7M | ||
| Q3 24 | $11.3M | $-5.8M | ||
| Q2 24 | $15.4M | $-5.6M |
| Q1 26 | — | — | ||
| Q4 25 | 111.3% | 1.7% | ||
| Q3 25 | 32.4% | -2.4% | ||
| Q2 25 | 26.9% | -9.9% | ||
| Q1 25 | 28.5% | -53.8% | ||
| Q4 24 | 98.9% | -38.6% | ||
| Q3 24 | 25.7% | -31.3% | ||
| Q2 24 | 38.2% | -34.0% |
| Q1 26 | — | — | ||
| Q4 25 | 4.5% | 0.5% | ||
| Q3 25 | 0.6% | 0.3% | ||
| Q2 25 | 1.6% | 0.7% | ||
| Q1 25 | 2.0% | 0.7% | ||
| Q4 24 | 13.7% | 0.4% | ||
| Q3 24 | 2.4% | 2.1% | ||
| Q2 24 | 2.7% | 3.7% |
| 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% |
STIM
Segment breakdown not available.
