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Side-by-side financial comparison of SMARTFINANCIAL INC. (SMBK) and WIDEPOINT CORP (WYY). Click either name above to swap in a different company.
SMARTFINANCIAL INC. is the larger business by last-quarter revenue ($53.8M vs $42.3M, roughly 1.3× WIDEPOINT CORP). SMARTFINANCIAL INC. runs the higher net margin — 25.4% vs -2.0%, a 27.4% gap on every dollar of revenue. Over the past eight quarters, SMARTFINANCIAL INC.'s revenue compounded faster (15.4% CAGR vs 11.2%).
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.
WidePoint Corporation is an American company based in Fairfax, Virginia that provides technology-based products and services to the government sector and commercial markets in the United States. The company holds a patent for a digital parsing tool that allows users to access accounts through a secure repository gateway, established using asymmetric authentication employed as public key infrastructure (PKI). WidePoint provides smart card identity verification, wireless expense management, pen...
SMBK vs WYY — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $53.8M | $42.3M |
| Net Profit | $13.7M | $-849.4K |
| Gross Margin | — | 13.8% |
| Operating Margin | — | -1.9% |
| Net Margin | 25.4% | -2.0% |
| Revenue YoY | — | 12.3% |
| Net Profit YoY | 21.6% | -138.3% |
| EPS (diluted) | $0.81 | $-0.08 |
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 | $42.3M | ||
| Q3 25 | $51.1M | $36.1M | ||
| Q2 25 | $49.2M | $37.9M | ||
| Q1 25 | $46.8M | $34.2M | ||
| Q4 24 | $46.8M | $37.7M | ||
| Q3 24 | $44.2M | $34.6M | ||
| Q2 24 | $40.4M | $36.0M |
| Q1 26 | $13.7M | — | ||
| Q4 25 | $13.7M | $-849.4K | ||
| Q3 25 | $13.7M | $-559.2K | ||
| Q2 25 | $11.7M | $-618.5K | ||
| Q1 25 | $11.3M | $-724.1K | ||
| Q4 24 | $9.6M | $-356.4K | ||
| Q3 24 | $9.1M | $-425.2K | ||
| Q2 24 | $8.0M | $-499.6K |
| Q1 26 | — | — | ||
| Q4 25 | — | 13.8% | ||
| Q3 25 | — | 14.6% | ||
| Q2 25 | — | 13.5% | ||
| Q1 25 | — | 14.0% | ||
| Q4 24 | — | 12.6% | ||
| Q3 24 | — | 13.6% | ||
| Q2 24 | — | 13.6% |
| Q1 26 | — | — | ||
| Q4 25 | 31.3% | -1.9% | ||
| Q3 25 | 33.2% | -1.3% | ||
| Q2 25 | 29.0% | -1.9% | ||
| Q1 25 | 29.0% | -2.4% | ||
| Q4 24 | 26.5% | -0.8% | ||
| Q3 24 | 24.3% | -1.3% | ||
| Q2 24 | 25.6% | -1.3% |
| Q1 26 | 25.4% | — | ||
| Q4 25 | 25.7% | -2.0% | ||
| Q3 25 | 26.8% | -1.5% | ||
| Q2 25 | 23.8% | -1.6% | ||
| Q1 25 | 24.0% | -2.1% | ||
| Q4 24 | 20.6% | -0.9% | ||
| Q3 24 | 20.7% | -1.2% | ||
| Q2 24 | 19.8% | -1.4% |
| Q1 26 | $0.81 | — | ||
| Q4 25 | $0.81 | $-0.08 | ||
| Q3 25 | $0.81 | $-0.06 | ||
| Q2 25 | $0.69 | $-0.06 | ||
| Q1 25 | $0.67 | $-0.08 | ||
| Q4 24 | $0.57 | $-0.05 | ||
| Q3 24 | $0.54 | $-0.04 | ||
| Q2 24 | $0.48 | $-0.05 |
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 | $9.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $562.2M | $11.5M |
| Total Assets | $5.9B | $79.8M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $346.1M | — | ||
| Q4 25 | $464.4M | $9.8M | ||
| Q3 25 | $557.1M | $12.1M | ||
| Q2 25 | $365.1M | $6.8M | ||
| Q1 25 | $423.0M | $3.7M | ||
| Q4 24 | $387.6M | $6.8M | ||
| 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 | $11.5M | ||
| Q3 25 | $538.4M | $12.2M | ||
| Q2 25 | $519.0M | $12.6M | ||
| Q1 25 | $505.8M | $13.0M | ||
| Q4 24 | $491.3M | $13.6M | ||
| Q3 24 | $489.0M | $13.8M | ||
| Q2 24 | $472.5M | $14.0M |
| Q1 26 | $5.9B | — | ||
| Q4 25 | $5.9B | $79.8M | ||
| Q3 25 | $5.8B | $70.6M | ||
| Q2 25 | $5.5B | $76.6M | ||
| Q1 25 | $5.4B | $71.4M | ||
| Q4 24 | $5.3B | $71.6M | ||
| Q3 24 | $4.9B | $56.9M | ||
| Q2 24 | $4.9B | $58.6M |
| 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 | — | $-173.5K |
| Free Cash FlowOCF − Capex | — | $-270.0K |
| FCF MarginFCF / Revenue | — | -0.6% |
| Capex IntensityCapex / Revenue | — | 0.2% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $5.5M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $61.7M | $-173.5K | ||
| Q3 25 | $16.9M | $5.9M | ||
| Q2 25 | $14.0M | $3.2M | ||
| Q1 25 | $14.3M | $-3.2M | ||
| Q4 24 | $52.7M | $2.4M | ||
| Q3 24 | $12.4M | $1.9M | ||
| Q2 24 | $16.5M | $-1.1M |
| Q1 26 | — | — | ||
| Q4 25 | $59.3M | $-270.0K | ||
| Q3 25 | $16.6M | $5.9M | ||
| Q2 25 | $13.2M | $3.1M | ||
| Q1 25 | $13.4M | $-3.3M | ||
| Q4 24 | $46.3M | $2.4M | ||
| Q3 24 | $11.3M | $1.8M | ||
| Q2 24 | $15.4M | $-1.1M |
| Q1 26 | — | — | ||
| Q4 25 | 111.3% | -0.6% | ||
| Q3 25 | 32.4% | 16.4% | ||
| Q2 25 | 26.9% | 8.1% | ||
| Q1 25 | 28.5% | -9.5% | ||
| Q4 24 | 98.9% | 6.4% | ||
| Q3 24 | 25.7% | 5.3% | ||
| Q2 24 | 38.2% | -3.0% |
| Q1 26 | — | — | ||
| Q4 25 | 4.5% | 0.2% | ||
| Q3 25 | 0.6% | 0.1% | ||
| Q2 25 | 1.6% | 0.2% | ||
| Q1 25 | 2.0% | 0.1% | ||
| Q4 24 | 13.7% | 0.1% | ||
| Q3 24 | 2.4% | 0.2% | ||
| Q2 24 | 2.7% | 0.0% |
| 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% |
WYY
| Carrier Services | $26.8M | 63% |
| Managed Services | $15.5M | 37% |
