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Side-by-side financial comparison of SMARTFINANCIAL INC. (SMBK) and Vitesse Energy, Inc. (VTS). Click either name above to swap in a different company.
Vitesse Energy, Inc. is the larger business by last-quarter revenue ($58.6M vs $53.8M, roughly 1.1× SMARTFINANCIAL INC.). SMARTFINANCIAL INC. runs the higher net margin — 25.4% vs -1.3%, a 26.7% gap on every dollar of revenue. Over the past eight quarters, SMARTFINANCIAL INC.'s revenue compounded faster (15.4% CAGR vs -2.1%).
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.
Vitesse Energy, Inc. is a U.S.-headquartered independent energy company focused on exploration, development, and production of oil and natural gas assets. It operates primarily in high-potential onshore basins including North Dakota's Williston Basin, serving domestic and global upstream energy market demand.
SMBK vs VTS — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $53.8M | $58.6M |
| Net Profit | $13.7M | $-739.0K |
| Gross Margin | — | — |
| Operating Margin | — | -12.0% |
| Net Margin | 25.4% | -1.3% |
| Revenue YoY | — | 4.8% |
| Net Profit YoY | 21.6% | 85.6% |
| 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 | $58.6M | ||
| Q3 25 | $51.1M | $67.4M | ||
| Q2 25 | $49.2M | $81.8M | ||
| Q1 25 | $46.8M | $66.2M | ||
| Q4 24 | $46.8M | $55.9M | ||
| Q3 24 | $44.2M | $58.3M | ||
| Q2 24 | $40.4M | $66.6M |
| Q1 26 | $13.7M | — | ||
| Q4 25 | $13.7M | $-739.0K | ||
| Q3 25 | $13.7M | $-1.3M | ||
| Q2 25 | $11.7M | $24.7M | ||
| Q1 25 | $11.3M | $2.7M | ||
| Q4 24 | $9.6M | $-5.1M | ||
| Q3 24 | $9.1M | $17.4M | ||
| Q2 24 | $8.0M | $10.9M |
| Q1 26 | — | — | ||
| Q4 25 | 31.3% | -12.0% | ||
| Q3 25 | 33.2% | 0.2% | ||
| Q2 25 | 29.0% | 22.8% | ||
| Q1 25 | 29.0% | 8.1% | ||
| Q4 24 | 26.5% | 3.7% | ||
| Q3 24 | 24.3% | 15.4% | ||
| Q2 24 | 25.6% | 25.2% |
| Q1 26 | 25.4% | — | ||
| Q4 25 | 25.7% | -1.3% | ||
| Q3 25 | 26.8% | -1.9% | ||
| Q2 25 | 23.8% | 30.2% | ||
| Q1 25 | 24.0% | 4.0% | ||
| Q4 24 | 20.6% | -9.2% | ||
| Q3 24 | 20.7% | 29.9% | ||
| Q2 24 | 19.8% | 16.4% |
| Q1 26 | $0.81 | — | ||
| Q4 25 | $0.81 | $-0.01 | ||
| Q3 25 | $0.81 | $-0.03 | ||
| Q2 25 | $0.69 | $0.60 | ||
| Q1 25 | $0.67 | $0.08 | ||
| Q4 24 | $0.57 | $-0.15 | ||
| Q3 24 | $0.54 | $0.53 | ||
| 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 | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $562.2M | $629.3M |
| Total Assets | $5.9B | $893.4M |
| 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 | $4.5M | ||
| Q4 24 | $387.6M | $3.0M | ||
| Q3 24 | $192.9M | — | ||
| Q2 24 | $342.8M | — |
| 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 | $629.3M | ||
| Q3 25 | $538.4M | $650.3M | ||
| Q2 25 | $519.0M | $671.9M | ||
| Q1 25 | $505.8M | $667.7M | ||
| Q4 24 | $491.3M | $500.3M | ||
| Q3 24 | $489.0M | $520.4M | ||
| Q2 24 | $472.5M | $518.5M |
| Q1 26 | $5.9B | — | ||
| Q4 25 | $5.9B | $893.4M | ||
| Q3 25 | $5.8B | $932.9M | ||
| Q2 25 | $5.5B | $951.5M | ||
| Q1 25 | $5.4B | $975.2M | ||
| Q4 24 | $5.3B | $810.9M | ||
| Q3 24 | $4.9B | $791.2M | ||
| Q2 24 | $4.9B | $778.4M |
| 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 | — | $37.4M |
| 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 | $37.4M | ||
| Q3 25 | $16.9M | $49.4M | ||
| Q2 25 | $14.0M | $66.0M | ||
| Q1 25 | $14.3M | $17.5M | ||
| Q4 24 | $52.7M | $34.7M | ||
| Q3 24 | $12.4M | $45.7M | ||
| Q2 24 | $16.5M | $35.2M |
| 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× | 2.68× | ||
| Q1 25 | 1.27× | 6.56× | ||
| Q4 24 | 5.47× | — | ||
| Q3 24 | 1.36× | 2.62× | ||
| Q2 24 | 2.07× | 3.22× |
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% |
VTS
| Oil Reserves | $54.5M | 93% |
| Natural Gas Reserves | $4.2M | 7% |
