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Side-by-side financial comparison of SMARTFINANCIAL INC. (SMBK) and TSS, Inc. (TSSI). Click either name above to swap in a different company.
TSS, Inc. is the larger business by last-quarter revenue ($60.9M vs $53.8M, roughly 1.1× SMARTFINANCIAL INC.). SMARTFINANCIAL INC. runs the higher net margin — 25.4% vs 20.0%, a 5.5% gap on every dollar of revenue. Over the past eight quarters, TSS, Inc.'s revenue compounded faster (95.8% 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.
SMBK vs TSSI — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $53.8M | $60.9M |
| Net Profit | $13.7M | $12.2M |
| Gross Margin | — | 17.6% |
| Operating Margin | — | 1.5% |
| Net Margin | 25.4% | 20.0% |
| Revenue YoY | — | 21.8% |
| Net Profit YoY | 21.6% | 535.7% |
| EPS (diluted) | $0.81 | $0.44 |
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 | $60.9M | ||
| Q3 25 | $51.1M | $41.9M | ||
| Q2 25 | $49.2M | $44.0M | ||
| Q1 25 | $46.8M | $99.0M | ||
| Q4 24 | $46.8M | $50.0M | ||
| Q3 24 | $44.2M | $70.1M | ||
| Q2 24 | $40.4M | $12.2M |
| Q1 26 | $13.7M | — | ||
| Q4 25 | $13.7M | $12.2M | ||
| Q3 25 | $13.7M | $-1.5M | ||
| Q2 25 | $11.7M | $1.5M | ||
| Q1 25 | $11.3M | $3.0M | ||
| Q4 24 | $9.6M | $1.9M | ||
| Q3 24 | $9.1M | $2.6M | ||
| Q2 24 | $8.0M | $1.4M |
| Q1 26 | — | — | ||
| Q4 25 | — | 17.6% | ||
| Q3 25 | — | 11.1% | ||
| Q2 25 | — | 17.8% | ||
| Q1 25 | — | 9.3% | ||
| Q4 24 | — | 14.4% | ||
| Q3 24 | — | 11.3% | ||
| Q2 24 | — | 37.3% |
| Q1 26 | — | — | ||
| Q4 25 | 31.3% | 1.5% | ||
| Q3 25 | 33.2% | -2.2% | ||
| Q2 25 | 29.0% | 5.1% | ||
| Q1 25 | 29.0% | 4.2% | ||
| Q4 24 | 26.5% | 0.0% | ||
| Q3 24 | 24.3% | 5.4% | ||
| Q2 24 | 25.6% | 14.0% |
| Q1 26 | 25.4% | — | ||
| Q4 25 | 25.7% | 20.0% | ||
| Q3 25 | 26.8% | -3.6% | ||
| Q2 25 | 23.8% | 3.4% | ||
| Q1 25 | 24.0% | 3.0% | ||
| Q4 24 | 20.6% | 3.8% | ||
| Q3 24 | 20.7% | 3.8% | ||
| Q2 24 | 19.8% | 11.5% |
| Q1 26 | $0.81 | — | ||
| Q4 25 | $0.81 | $0.44 | ||
| Q3 25 | $0.81 | $-0.06 | ||
| Q2 25 | $0.69 | $0.06 | ||
| Q1 25 | $0.67 | $0.12 | ||
| Q4 24 | $0.57 | $0.08 | ||
| Q3 24 | $0.54 | $0.10 | ||
| Q2 24 | $0.48 | $0.06 |
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 | $85.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $562.2M | $76.6M |
| Total Assets | $5.9B | $184.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $346.1M | — | ||
| Q4 25 | $464.4M | $85.5M | ||
| Q3 25 | $557.1M | $70.7M | ||
| Q2 25 | $365.1M | — | ||
| Q1 25 | $423.0M | — | ||
| Q4 24 | $387.6M | $23.2M | ||
| Q3 24 | $192.9M | $46.4M | ||
| Q2 24 | $342.8M | $8.3M |
| 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 | $76.6M | ||
| Q3 25 | $538.4M | $63.4M | ||
| Q2 25 | $519.0M | $9.5M | ||
| Q1 25 | $505.8M | $9.4M | ||
| Q4 24 | $491.3M | $7.1M | ||
| Q3 24 | $489.0M | $7.7M | ||
| Q2 24 | $472.5M | $5.2M |
| Q1 26 | $5.9B | — | ||
| Q4 25 | $5.9B | $184.9M | ||
| Q3 25 | $5.8B | $165.4M | ||
| Q2 25 | $5.5B | $139.5M | ||
| Q1 25 | $5.4B | $113.5M | ||
| Q4 24 | $5.3B | $96.6M | ||
| Q3 24 | $4.9B | $67.3M | ||
| Q2 24 | $4.9B | $28.9M |
| 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 | — | $16.3M |
| Free Cash FlowOCF − Capex | — | $15.8M |
| FCF MarginFCF / Revenue | — | 25.9% |
| Capex IntensityCapex / Revenue | — | 0.9% |
| Cash ConversionOCF / Net Profit | — | 1.34× |
| TTM Free Cash FlowTrailing 4 quarters | — | $2.1M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $61.7M | $16.3M | ||
| Q3 25 | $16.9M | $-18.4M | ||
| Q2 25 | $14.0M | $16.3M | ||
| Q1 25 | $14.3M | $20.6M | ||
| Q4 24 | $52.7M | $-21.6M | ||
| Q3 24 | $12.4M | $38.6M | ||
| Q2 24 | $16.5M | $-4.3M |
| Q1 26 | — | — | ||
| Q4 25 | $59.3M | $15.8M | ||
| Q3 25 | $16.6M | $-24.9M | ||
| Q2 25 | $13.2M | $5.4M | ||
| Q1 25 | $13.4M | $5.8M | ||
| Q4 24 | $46.3M | $-28.4M | ||
| Q3 24 | $11.3M | $38.6M | ||
| Q2 24 | $15.4M | $-6.0M |
| Q1 26 | — | — | ||
| Q4 25 | 111.3% | 25.9% | ||
| Q3 25 | 32.4% | -59.3% | ||
| Q2 25 | 26.9% | 12.3% | ||
| Q1 25 | 28.5% | 5.8% | ||
| Q4 24 | 98.9% | -56.7% | ||
| Q3 24 | 25.7% | 55.1% | ||
| Q2 24 | 38.2% | -49.4% |
| Q1 26 | — | — | ||
| Q4 25 | 4.5% | 0.9% | ||
| Q3 25 | 0.6% | 15.3% | ||
| Q2 25 | 1.6% | 24.8% | ||
| Q1 25 | 2.0% | 15.0% | ||
| Q4 24 | 13.7% | 13.4% | ||
| Q3 24 | 2.4% | 0.1% | ||
| Q2 24 | 2.7% | 13.8% |
| Q1 26 | — | — | ||
| Q4 25 | 4.50× | 1.34× | ||
| Q3 25 | 1.23× | — | ||
| Q2 25 | 1.20× | 11.02× | ||
| Q1 25 | 1.27× | 6.93× | ||
| Q4 24 | 5.47× | -11.32× | ||
| Q3 24 | 1.36× | 14.60× | ||
| Q2 24 | 2.07× | -3.09× |
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% |
TSSI
| Procurement Revenues Segment | $43.2M | 71% |
| System Integration Services Segment | $14.2M | 23% |
| Facilities Segment | $3.5M | 6% |
