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Side-by-side financial comparison of SMARTFINANCIAL INC. (SMBK) and Upland Software, Inc. (UPLD). Click either name above to swap in a different company.
SMARTFINANCIAL INC. is the larger business by last-quarter revenue ($53.8M vs $49.3M, roughly 1.1× Upland Software, Inc.). Over the past eight quarters, SMARTFINANCIAL INC.'s revenue compounded faster (15.4% CAGR vs -16.5%).
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.
Upland Software, Inc. is a global provider of cloud-based enterprise work management solutions. It offers products covering project portfolio management, customer engagement, IT service management, and financial automation, serving businesses of all sizes across North America, Europe, and Asia-Pacific in tech, healthcare, and professional services sectors.
SMBK vs UPLD — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $53.8M | $49.3M |
| Net Profit | $13.7M | — |
| Gross Margin | — | 76.5% |
| Operating Margin | — | 14.5% |
| Net Margin | 25.4% | — |
| Revenue YoY | — | -27.5% |
| Net Profit YoY | 21.6% | — |
| EPS (diluted) | $0.81 | $0.01 |
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 | $49.3M | ||
| Q3 25 | $51.1M | $50.5M | ||
| Q2 25 | $49.2M | $53.4M | ||
| Q1 25 | $46.8M | $63.7M | ||
| Q4 24 | $46.8M | $68.0M | ||
| Q3 24 | $44.2M | $66.7M | ||
| Q2 24 | $40.4M | $69.3M |
| Q1 26 | $13.7M | — | ||
| Q4 25 | $13.7M | — | ||
| Q3 25 | $13.7M | $-1.1M | ||
| Q2 25 | $11.7M | $-13.0M | ||
| Q1 25 | $11.3M | $-25.8M | ||
| Q4 24 | $9.6M | — | ||
| Q3 24 | $9.1M | $-1.7M | ||
| Q2 24 | $8.0M | $-11.4M |
| Q1 26 | — | — | ||
| Q4 25 | — | 76.5% | ||
| Q3 25 | — | 76.9% | ||
| Q2 25 | — | 74.8% | ||
| Q1 25 | — | 71.6% | ||
| Q4 24 | — | 70.8% | ||
| Q3 24 | — | 70.5% | ||
| Q2 24 | — | 70.5% |
| Q1 26 | — | — | ||
| Q4 25 | 31.3% | 14.5% | ||
| Q3 25 | 33.2% | 10.6% | ||
| Q2 25 | 29.0% | -13.2% | ||
| Q1 25 | 29.0% | -1.7% | ||
| Q4 24 | 26.5% | -2.9% | ||
| Q3 24 | 24.3% | -5.0% | ||
| Q2 24 | 25.6% | -7.7% |
| Q1 26 | 25.4% | — | ||
| Q4 25 | 25.7% | — | ||
| Q3 25 | 26.8% | -2.2% | ||
| Q2 25 | 23.8% | -24.4% | ||
| Q1 25 | 24.0% | -40.6% | ||
| Q4 24 | 20.6% | — | ||
| Q3 24 | 20.7% | -2.6% | ||
| Q2 24 | 19.8% | -16.5% |
| Q1 26 | $0.81 | — | ||
| Q4 25 | $0.81 | $0.01 | ||
| Q3 25 | $0.81 | $-0.09 | ||
| Q2 25 | $0.69 | $-0.51 | ||
| Q1 25 | $0.67 | $-0.97 | ||
| Q4 24 | $0.57 | $-0.30 | ||
| Q3 24 | $0.54 | $-0.12 | ||
| Q2 24 | $0.48 | $-0.47 |
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 | $29.4M |
| Total DebtLower is stronger | — | $232.4M |
| Stockholders' EquityBook value | $562.2M | $-48.4M |
| Total Assets | $5.9B | $413.2M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $346.1M | — | ||
| Q4 25 | $464.4M | $29.4M | ||
| Q3 25 | $557.1M | $22.8M | ||
| Q2 25 | $365.1M | $41.0M | ||
| Q1 25 | $423.0M | $33.7M | ||
| Q4 24 | $387.6M | $56.4M | ||
| Q3 24 | $192.9M | $59.7M | ||
| Q2 24 | $342.8M | $232.4M |
| Q1 26 | — | — | ||
| Q4 25 | — | $232.4M | ||
| Q3 25 | $1.3M | — | ||
| Q2 25 | $7.0M | — | ||
| Q1 25 | $7.6M | — | ||
| Q4 24 | $8.1M | $290.2M | ||
| Q3 24 | $9.0M | — | ||
| Q2 24 | $12.7M | — |
| Q1 26 | $562.2M | — | ||
| Q4 25 | $552.4M | $-48.4M | ||
| Q3 25 | $538.4M | $-47.3M | ||
| Q2 25 | $519.0M | $-42.4M | ||
| Q1 25 | $505.8M | $-37.8M | ||
| Q4 24 | $491.3M | $-18.3M | ||
| Q3 24 | $489.0M | $907.0K | ||
| Q2 24 | $472.5M | $6.5M |
| Q1 26 | $5.9B | — | ||
| Q4 25 | $5.9B | $413.2M | ||
| Q3 25 | $5.8B | $409.1M | ||
| Q2 25 | $5.5B | $441.7M | ||
| Q1 25 | $5.4B | $457.0M | ||
| Q4 24 | $5.3B | $529.5M | ||
| Q3 24 | $4.9B | $554.9M | ||
| Q2 24 | $4.9B | $739.9M |
| 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 | — | $7.3M |
| Free Cash FlowOCF − Capex | — | $7.2M |
| FCF MarginFCF / Revenue | — | 14.7% |
| Capex IntensityCapex / Revenue | — | 0.2% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $24.4M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $61.7M | $7.3M | ||
| Q3 25 | $16.9M | $6.9M | ||
| Q2 25 | $14.0M | $3.3M | ||
| Q1 25 | $14.3M | $8.3M | ||
| Q4 24 | $52.7M | $9.3M | ||
| Q3 24 | $12.4M | $4.3M | ||
| Q2 24 | $16.5M | $5.5M |
| Q1 26 | — | — | ||
| Q4 25 | $59.3M | $7.2M | ||
| Q3 25 | $16.6M | $6.7M | ||
| Q2 25 | $13.2M | $2.7M | ||
| Q1 25 | $13.4M | $7.9M | ||
| Q4 24 | $46.3M | $9.0M | ||
| Q3 24 | $11.3M | $4.2M | ||
| Q2 24 | $15.4M | $5.2M |
| Q1 26 | — | — | ||
| Q4 25 | 111.3% | 14.7% | ||
| Q3 25 | 32.4% | 13.2% | ||
| Q2 25 | 26.9% | 5.0% | ||
| Q1 25 | 28.5% | 12.4% | ||
| Q4 24 | 98.9% | 13.3% | ||
| Q3 24 | 25.7% | 6.3% | ||
| Q2 24 | 38.2% | 7.5% |
| Q1 26 | — | — | ||
| Q4 25 | 4.5% | 0.2% | ||
| Q3 25 | 0.6% | 0.4% | ||
| Q2 25 | 1.6% | 1.2% | ||
| Q1 25 | 2.0% | 0.7% | ||
| Q4 24 | 13.7% | 0.5% | ||
| Q3 24 | 2.4% | 0.2% | ||
| Q2 24 | 2.7% | 0.4% |
| 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% |
UPLD
Segment breakdown not available.
