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Side-by-side financial comparison of SMARTFINANCIAL INC. (SMBK) and Twin Hospitality Group Inc. (TWNP). Click either name above to swap in a different company.
Twin Hospitality Group Inc. is the larger business by last-quarter revenue ($82.3M vs $53.8M, roughly 1.5× SMARTFINANCIAL INC.). SMARTFINANCIAL INC. runs the higher net margin — 25.4% vs -29.7%, a 55.2% gap on every dollar of revenue.
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.
Target Hospitality is a company that provides workforce lodging and other temporary, modular housing used for oil, gas and mining operations; large-scale events; and disaster relief. Target Hospitality is based in The Woodlands, Texas, and also has offices in Williston, North Dakota; Denver, Colorado; Calgary, Alberta.
SMBK vs TWNP — Head-to-Head
Income Statement — Q1 FY2026 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $53.8M | $82.3M |
| Net Profit | $13.7M | $-24.5M |
| Gross Margin | — | — |
| Operating Margin | — | -16.2% |
| Net Margin | 25.4% | -29.7% |
| Revenue YoY | — | — |
| Net Profit YoY | 21.6% | — |
| EPS (diluted) | $0.81 | $-0.43 |
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 | — | ||
| Q3 25 | $51.1M | $82.3M | ||
| Q2 25 | $49.2M | $87.8M | ||
| Q1 25 | $46.8M | $87.1M | ||
| Q4 24 | $46.8M | — | ||
| Q3 24 | $44.2M | — | ||
| Q2 24 | $40.4M | — |
| Q1 26 | $13.7M | — | ||
| Q4 25 | $13.7M | — | ||
| Q3 25 | $13.7M | $-24.5M | ||
| Q2 25 | $11.7M | $-20.8M | ||
| Q1 25 | $11.3M | $-12.1M | ||
| Q4 24 | $9.6M | — | ||
| Q3 24 | $9.1M | — | ||
| Q2 24 | $8.0M | — |
| Q1 26 | — | — | ||
| Q4 25 | 31.3% | — | ||
| Q3 25 | 33.2% | -16.2% | ||
| Q2 25 | 29.0% | -13.2% | ||
| Q1 25 | 29.0% | -1.2% | ||
| Q4 24 | 26.5% | — | ||
| Q3 24 | 24.3% | — | ||
| Q2 24 | 25.6% | — |
| Q1 26 | 25.4% | — | ||
| Q4 25 | 25.7% | — | ||
| Q3 25 | 26.8% | -29.7% | ||
| Q2 25 | 23.8% | -23.7% | ||
| Q1 25 | 24.0% | -13.9% | ||
| Q4 24 | 20.6% | — | ||
| Q3 24 | 20.7% | — | ||
| Q2 24 | 19.8% | — |
| Q1 26 | $0.81 | — | ||
| Q4 25 | $0.81 | — | ||
| Q3 25 | $0.81 | $-0.43 | ||
| Q2 25 | $0.69 | $-0.38 | ||
| Q1 25 | $0.67 | $-0.26 | ||
| Q4 24 | $0.57 | — | ||
| Q3 24 | $0.54 | — | ||
| Q2 24 | $0.48 | — |
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 | — |
| Total DebtLower is stronger | — | $402.8M |
| Stockholders' EquityBook value | $562.2M | $-92.1M |
| Total Assets | $5.9B | $516.8M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $346.1M | — | ||
| Q4 25 | $464.4M | — | ||
| Q3 25 | $557.1M | — | ||
| Q2 25 | $365.1M | — | ||
| Q1 25 | $423.0M | — | ||
| Q4 24 | $387.6M | — | ||
| Q3 24 | $192.9M | — | ||
| Q2 24 | $342.8M | — |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $1.3M | $402.8M | ||
| Q2 25 | $7.0M | $411.3M | ||
| Q1 25 | $7.6M | $413.0M | ||
| Q4 24 | $8.1M | — | ||
| Q3 24 | $9.0M | — | ||
| Q2 24 | $12.7M | — |
| Q1 26 | $562.2M | — | ||
| Q4 25 | $552.4M | — | ||
| Q3 25 | $538.4M | $-92.1M | ||
| Q2 25 | $519.0M | $-78.6M | ||
| Q1 25 | $505.8M | $-101.9M | ||
| Q4 24 | $491.3M | — | ||
| Q3 24 | $489.0M | — | ||
| Q2 24 | $472.5M | — |
| Q1 26 | $5.9B | — | ||
| Q4 25 | $5.9B | — | ||
| Q3 25 | $5.8B | $516.8M | ||
| Q2 25 | $5.5B | $535.1M | ||
| Q1 25 | $5.4B | $544.2M | ||
| Q4 24 | $5.3B | — | ||
| Q3 24 | $4.9B | — | ||
| Q2 24 | $4.9B | — |
| 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 | — | $-5.9M |
| Free Cash FlowOCF − Capex | — | $-7.4M |
| FCF MarginFCF / Revenue | — | -9.0% |
| Capex IntensityCapex / Revenue | — | 1.9% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $61.7M | — | ||
| Q3 25 | $16.9M | $-5.9M | ||
| Q2 25 | $14.0M | $-8.8M | ||
| Q1 25 | $14.3M | $-5.7M | ||
| Q4 24 | $52.7M | — | ||
| Q3 24 | $12.4M | — | ||
| Q2 24 | $16.5M | — |
| Q1 26 | — | — | ||
| Q4 25 | $59.3M | — | ||
| Q3 25 | $16.6M | $-7.4M | ||
| Q2 25 | $13.2M | $-10.6M | ||
| Q1 25 | $13.4M | $-9.7M | ||
| Q4 24 | $46.3M | — | ||
| Q3 24 | $11.3M | — | ||
| Q2 24 | $15.4M | — |
| Q1 26 | — | — | ||
| Q4 25 | 111.3% | — | ||
| Q3 25 | 32.4% | -9.0% | ||
| Q2 25 | 26.9% | -12.1% | ||
| Q1 25 | 28.5% | -11.2% | ||
| Q4 24 | 98.9% | — | ||
| Q3 24 | 25.7% | — | ||
| Q2 24 | 38.2% | — |
| Q1 26 | — | — | ||
| Q4 25 | 4.5% | — | ||
| Q3 25 | 0.6% | 1.9% | ||
| Q2 25 | 1.6% | 2.1% | ||
| Q1 25 | 2.0% | 4.6% | ||
| 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× | — | ||
| 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% |
TWNP
Segment breakdown not available.
