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Smartfinancial vs Peoples Financial Services: SMBK and PFIS compared
Smartfinancial is the larger company: $57.5M of revenue in its latest quarter (Q3 2026) against $53.0M for Peoples Financial Services (Q3 2026). Peoples Financial Services is growing faster (+14% against +13% a year earlier). Peoples Financial Services is more profitable, with an operating margin of 42.3% against 35.6%.
Where the money goes: SMBK and PFIS
Smartfinancial (SMBK) · Q3 2026
Smartfinancial, Q3 2026: revenue $57.5M (+13% year over year), operating margin 35.6%, net earnings $18.6M, operating cash flow −$11.0M. The chart follows the revenue to costs, profit and cash.
Peoples Financial Services (PFIS) · Q3 2026
Peoples Financial Services, Q3 2026: revenue $53.0M (+14% year over year), operating margin 42.3%, net earnings $19.1M, operating cash flow $14.8M. The chart follows the revenue to costs, profit and cash.
| Smartfinancial (SMBK) | Peoples Financial Services (PFIS) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $57.5M | $53.0M |
| Revenue growth, Y/Y | +13% | +14% |
| Operating margin | 35.6% | 42.3% |
| Net earnings | $18.6M | $19.1M |
| Net margin | 32.4% | 36.1% |
| Operating cash flow | −$11.0M | $14.8M |
| Free cash flow | — | $13.6M |
Where the revenue comes from
Smartfinancial
- Net interest income: $49.4M (86%)
- Noninterest income: $8.1M (14%)
Peoples Financial Services
- Net interest income: $47.3M (89%)
- Noninterest income: $5.7M (11%)
Questions
Which is bigger, Smartfinancial or Peoples Financial Services?
Smartfinancial is the larger company: $57.5M of revenue in its latest quarter (Q3 2026) against $53.0M for Peoples Financial Services (Q3 2026).
Is Smartfinancial or Peoples Financial Services growing faster?
Peoples Financial Services is growing faster (+14% against +13% a year earlier).
Which is more profitable, Smartfinancial or Peoples Financial Services?
Peoples Financial Services is more profitable, with an operating margin of 42.3% against 35.6%.
More: Smartfinancial earnings · how Smartfinancial makes money · Peoples Financial Services earnings · how Peoples Financial Services makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 9, 2026; 10-Q filed Nov 6, 2026). Fiscal quarters can end on different dates. Not investment advice.