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SMARTFINANCIAL INC.（SMBK）与null（SWIM）财务数据对比。点击上方公司名可切换其他公司
null的季度营收约是SMARTFINANCIAL INC.的2.2倍（$117.3M vs $53.8M），SMARTFINANCIAL INC.净利率更高（25.4% vs -7.3%，领先32.7%），过去两年SMARTFINANCIAL INC.的营收复合增速更高（15.4% vs -14.4%）
SmartFinancial Inc.是一家美国银行控股公司，旗下运营SmartBank，面向美国东南部地区的个人客户及中小微企业提供存款、个人及企业贷款、抵押贷款、财富管理等多元化零售及商业银行服务。
该企业是一家源自美国的跨国律师事务所，1934年创立于加利福尼亚州洛杉矶，在诉讼业务、公司法务以及监管合规法律领域拥有深厚的行业积累与知名度，是全球颇具影响力的综合性律所之一。
SMBK vs SWIM — 直观对比
营收规模更大
SWIM
是对方的2.2倍
$53.8M
净利率更高
SMBK
高出32.7%
-7.3%
两年增速更快
SMBK
近两年复合增速
-14.4%
损益表 — Q1 FY2026 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $53.8M | $117.3M |
| 净利润 | $13.7M | $-8.5M |
| 毛利率 | — | 31.7% |
| 营业利润率 | — | — |
| 净利率 | 25.4% | -7.3% |
| 营收同比 | — | 5.3% |
| 净利润同比 | 21.6% | -43.1% |
| 每股收益（稀释后） | $0.81 | $-0.07 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收SMBKSWIM
| Q1 26 | $53.8M | $117.3M | ||
| Q4 25 | $53.3M | $100.0M | ||
| Q3 25 | $51.1M | $161.9M | ||
| Q2 25 | $49.2M | $172.6M | ||
| Q1 25 | $46.8M | $111.4M | ||
| Q4 24 | $46.8M | $87.3M | ||
| Q3 24 | $44.2M | $150.5M | ||
| Q2 24 | $40.4M | $160.1M |
净利润SMBKSWIM
| Q1 26 | $13.7M | $-8.5M | ||
| Q4 25 | $13.7M | $-7.0M | ||
| Q3 25 | $13.7M | $8.1M | ||
| Q2 25 | $11.7M | $16.0M | ||
| Q1 25 | $11.3M | $-6.0M | ||
| Q4 24 | $9.6M | $-29.2M | ||
| Q3 24 | $9.1M | $5.9M | ||
| Q2 24 | $8.0M | $13.3M |
毛利率SMBKSWIM
| Q1 26 | — | 31.7% | ||
| Q4 25 | — | 28.0% | ||
| Q3 25 | — | 35.4% | ||
| Q2 25 | — | 37.1% | ||
| Q1 25 | — | 29.5% | ||
| Q4 24 | — | 24.6% | ||
| Q3 24 | — | 32.4% | ||
| Q2 24 | — | 33.1% |
营业利润率SMBKSWIM
| Q1 26 | — | — | ||
| Q4 25 | 31.3% | -10.7% | ||
| Q3 25 | 33.2% | 13.3% | ||
| Q2 25 | 29.0% | 14.3% | ||
| Q1 25 | 29.0% | -4.4% | ||
| Q4 24 | 26.5% | -14.9% | ||
| Q3 24 | 24.3% | 8.9% | ||
| Q2 24 | 25.6% | 12.5% |
净利率SMBKSWIM
| Q1 26 | 25.4% | -7.3% | ||
| Q4 25 | 25.7% | -7.0% | ||
| Q3 25 | 26.8% | 5.0% | ||
| Q2 25 | 23.8% | 9.3% | ||
| Q1 25 | 24.0% | -5.4% | ||
| Q4 24 | 20.6% | -33.4% | ||
| Q3 24 | 20.7% | 3.9% | ||
| Q2 24 | 19.8% | 8.3% |
每股收益（稀释后）SMBKSWIM
| Q1 26 | $0.81 | $-0.07 | ||
| Q4 25 | $0.81 | $-0.06 | ||
| Q3 25 | $0.81 | $0.07 | ||
| Q2 25 | $0.69 | $0.13 | ||
| Q1 25 | $0.67 | $-0.05 | ||
| Q4 24 | $0.57 | $-0.24 | ||
| Q3 24 | $0.54 | $0.05 | ||
| Q2 24 | $0.48 | $0.11 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $346.1M | — |
| 总债务越低越好 | — | $3.3M |
| 股东权益账面价值 | $562.2M | $396.7M |
| 总资产 | $5.9B | $856.4M |
| 负债/权益比越低杠杆越低 | — | 0.01× |
8季度趋势，按日历期对齐
现金及短期投资SMBKSWIM
| 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 | — |
总债务SMBKSWIM
| Q1 26 | — | $3.3M | ||
| Q4 25 | — | $279.8M | ||
| Q3 25 | $1.3M | $281.1M | ||
| Q2 25 | $7.0M | $281.5M | ||
| Q1 25 | $7.6M | $306.9M | ||
| Q4 24 | $8.1M | $281.5M | ||
| Q3 24 | $9.0M | $282.8M | ||
| Q2 24 | $12.7M | $282.4M |
股东权益SMBKSWIM
| Q1 26 | $562.2M | $396.7M | ||
| Q4 25 | $552.4M | $405.9M | ||
| Q3 25 | $538.4M | $408.4M | ||
| Q2 25 | $519.0M | $398.4M | ||
| Q1 25 | $505.8M | $381.1M | ||
| Q4 24 | $491.3M | $387.2M | ||
| Q3 24 | $489.0M | $416.6M | ||
| Q2 24 | $472.5M | $408.1M |
总资产SMBKSWIM
| Q1 26 | $5.9B | $856.4M | ||
| Q4 25 | $5.9B | $823.2M | ||
| Q3 25 | $5.8B | $844.4M | ||
| Q2 25 | $5.5B | $822.1M | ||
| Q1 25 | $5.4B | $824.6M | ||
| Q4 24 | $5.3B | $794.2M | ||
| Q3 24 | $4.9B | $853.4M | ||
| Q2 24 | $4.9B | $830.0M |
负债/权益比SMBKSWIM
| Q1 26 | — | 0.01× | ||
| Q4 25 | — | 0.69× | ||
| Q3 25 | 0.00× | 0.69× | ||
| Q2 25 | 0.01× | 0.71× | ||
| Q1 25 | 0.02× | 0.81× | ||
| Q4 24 | 0.02× | 0.73× | ||
| Q3 24 | 0.02× | 0.68× | ||
| Q2 24 | 0.03× | 0.69× |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | — | $-47.7M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流SMBKSWIM
| Q1 26 | — | $-47.7M | ||
| Q4 25 | $61.7M | $23.3M | ||
| Q3 25 | $16.9M | $51.0M | ||
| Q2 25 | $14.0M | $36.0M | ||
| Q1 25 | $14.3M | $-46.9M | ||
| Q4 24 | $52.7M | $6.2M | ||
| Q3 24 | $12.4M | $37.2M | ||
| Q2 24 | $16.5M | $52.4M |
自由现金流SMBKSWIM
| Q1 26 | — | — | ||
| Q4 25 | $59.3M | $14.1M | ||
| Q3 25 | $16.6M | $45.2M | ||
| Q2 25 | $13.2M | $29.1M | ||
| Q1 25 | $13.4M | $-50.3M | ||
| Q4 24 | $46.3M | $-98.0K | ||
| Q3 24 | $11.3M | $33.2M | ||
| Q2 24 | $15.4M | $47.9M |
自由现金流率SMBKSWIM
| Q1 26 | — | — | ||
| Q4 25 | 111.3% | 14.1% | ||
| Q3 25 | 32.4% | 27.9% | ||
| Q2 25 | 26.9% | 16.8% | ||
| Q1 25 | 28.5% | -45.2% | ||
| Q4 24 | 98.9% | -0.1% | ||
| Q3 24 | 25.7% | 22.1% | ||
| Q2 24 | 38.2% | 29.9% |
资本支出强度SMBKSWIM
| Q1 26 | — | — | ||
| Q4 25 | 4.5% | 9.2% | ||
| Q3 25 | 0.6% | 3.6% | ||
| Q2 25 | 1.6% | 4.0% | ||
| Q1 25 | 2.0% | 3.1% | ||
| Q4 24 | 13.7% | 7.2% | ||
| Q3 24 | 2.4% | 2.7% | ||
| Q2 24 | 2.7% | 2.8% |
现金转化率SMBKSWIM
| Q1 26 | — | — | ||
| Q4 25 | 4.50× | — | ||
| Q3 25 | 1.23× | 6.29× | ||
| Q2 25 | 1.20× | 2.25× | ||
| Q1 25 | 1.27× | — | ||
| Q4 24 | 5.47× | — | ||
| Q3 24 | 1.36× | 6.32× | ||
| Q2 24 | 2.07× | 3.95× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
SMBK
| Net Interest Income | $45.9M | 85% |
| Noninterest Income | $7.9M | 15% |
SWIM
暂无分部数据
