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Financials · SMBK

SmartFinancial Inc. (SMBK) financials

For the twelve months ended Jun 30, 2026, SmartFinancial Inc. reported $214.15M of revenue and $57.39M of net income.

Revenue, TTM
$214.15M
Revenue growth, YoY
+14.5%
Net income, TTM
$57.39M
Net income growth, YoY
+37.5%
Net margin
26.8%
Free cash flow, TTM
$65.36M
EPS, diluted, TTM
$3.39
EPS growth, YoY
+37.2%
Cash
$379.39M
Total debt
$603.0K
P/E
14.29
P/S
3.83
Market cap
$819.9M
Annual revenue$200.46M
FY2016FY2025
Annual net income$50.35M
FY2016FY2025
Annual free cash flow$59.34M
FY2016FY2025

SMBK revenue and earnings growth

SMBK revenueQ2 2026$55.95M

Quarter YoY
+13.6%
QoQ
+4.0%
FY YoY
+16.9%
5Y CAGR
+11.5%
10Y CAGR
+22.1%

SMBK revenue was $55.95M in fiscal Q2 2026 (ended Jun 30, 2026), up 13.6% from a year earlier and up 4.0% from the prior quarter. For the full fiscal 2025 it was $200.46M, up 16.9% from fiscal 2024. Compound annual growth was +11.5% over 5 years and +22.1% over 10 years. It rose in 9 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

SMBK net incomeQ2 2026$16.32M

Quarter YoY
+39.4%
QoQ
+19.3%
FY YoY
+39.3%
5Y CAGR
+15.7%
10Y CAGR
+42.0%

SMBK net income was $16.32M in fiscal Q2 2026 (ended Jun 30, 2026), up 39.4% from a year earlier and up 19.3% from the prior quarter. For the full fiscal 2025 it was $50.35M, up 39.3% from fiscal 2024. Compound annual growth was +15.7% over 5 years and +42.0% over 10 years. It rose in 7 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

SMBK EPSQ2 2026$0.96

Quarter YoY
+39.1%
QoQ
+18.5%
FY YoY
+39.3%
5Y CAGR
+13.0%

SMBK diluted EPS was $0.96 in fiscal Q2 2026 (ended Jun 30, 2026), up 39.1% from a year earlier and up 18.5% from the prior quarter. For the full fiscal 2025 it was $2.98, up 39.3% from fiscal 2024. Compound annual growth was +13.0% over 5 years.

SMBK free cash flowQ2 2026$22.47M

Quarter YoY
+69.6%
QoQ
+121.2%
FY YoY
+28.2%
5Y CAGR
+20.2%
10Y CAGR
+47.0%

SMBK free cash flow was $22.47M in fiscal Q2 2026 (ended Jun 30, 2026), up 69.6% from a year earlier and up 121.2% from the prior quarter. For the full fiscal 2025 it was $59.34M, up 28.2% from fiscal 2024. Compound annual growth was +20.2% over 5 years and +47.0% over 10 years. It rose in 6 of the last 7 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$200.46M$171.50M$152.41M$165.22M$137.34M$116.29M$99.19M$83.23M$51.36M$42.45M
Interest expense--$87.96M$21.33M$11.84M$16.75M$24.57M$15.57M$5.69M$4.30M
Pre-tax income$61.50M$45.46M$36.23M$54.91M$44.32M$30.89M$33.45M$21.34M$11.44M$9.16M
Income tax$11.15M$9.32M$7.63M$11.89M$9.53M$6.56M$6.90M$3.23M$6.43M$3.36M
Net income$50.35M$36.14M$28.59M$43.02M$34.79M$24.33M$26.55M$18.10M$5.02M$5.80M
EPS, basic$3.00$2.16$1.70$2.57$2.23$1.63$1.90$1.46$0.56$0.82
EPS, diluted$2.98$2.14$1.69$2.55$2.22$1.62$1.89$1.45$0.55$0.78
Diluted shares16.9M16.9M16.9M16.9M15.7M15.0M14.0M12.5M8.8M6.1M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$464.42M$387.57M$352.27M$266.42M$1.05B$481.72M$183.97M$115.82M$113.03M$68.75M
Goodwill$90.40M$96.14M$96.14M$96.14M$91.56M$74.14M$65.61M$66.09M--
Total assets$5.86B$5.28B$4.83B$4.64B$4.61B$3.30B$2.45B$2.27B$1.72B$1.06B
Total debt$3.00M$8.10M$13.10M$41.90M$87.60M$81.20M$31.60M---
Total liabilities$5.31B$4.78B$4.37B$4.21B$4.18B$2.95B$2.14B$1.99B$1.51B$957.22M
Shareholders' equity$552.38M$491.46M$459.89M$432.45M$429.43M$357.17M$312.75M$283.01M$205.85M$105.24M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$61.72M$52.70M$39.72M$56.79M$46.18M$29.07M$29.87M$20.82M$1.24M$11.59M
Capital expenditures$2.39M$6.41M$6.27M$12.49M$2.38M$5.44M$6.27M$3.85M$2.80M$6.99M
Free cash flow$59.34M$46.30M$33.45M$44.31M$43.80M$23.63M$23.60M$16.98M-$1.56M$4.60M
Investing cash flow-$499.05M-$420.22M-$135.24M-$840.82M-$264.99M-$259.34M-$94.78M-$94.88M-$50.73M-$54.31M
Financing cash flow$514.17M$402.82M$181.37M$5.37M$782.17M$528.02M$133.06M$76.85M$93.77M$31.51M
Dividends paid$5.45M$5.42M$5.43M$4.72M$3.73M$2.99M$700.0K$0--
Share repurchases-$2.97M--$1.21M$4.31M----
Stock-based compensation$1.94M$1.63M$1.35M$1.30M$693.0K$482.0K$517.0K$397.0K$154.3K$132.6K
Depreciation and amortization$5.00M$5.20M$5.10M$4.70M$4.20M$3.70M$2.80M$2.60M-$1.69M$2.19M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY16.9%12.5%-7.8%20.3%18.1%17.2%19.2%62.1%21.0%55.8%
Net income growth, YoY39.3%26.4%-33.5%23.7%43.0%-8.3%46.7%261.0%-13.5%284.1%
EPS growth, YoY39.3%26.6%-33.7%14.9%37.0%-14.3%30.3%---
Net margin25.1%21.1%18.8%26.0%25.3%20.9%26.8%21.7%9.8%13.7%
Free cash flow margin29.6%27.0%21.9%26.8%31.9%20.3%23.8%20.4%-3.0%10.8%
Return on equity9.1%7.4%6.2%9.9%8.1%6.8%8.5%6.4%2.4%5.5%
Return on assets0.9%0.7%0.6%0.9%0.8%0.7%1.1%0.8%0.3%0.5%
Debt to equity0.010.020.030.100.200.230.10---

Source: XBRL data SmartFinancial Inc. files with the SEC, latest filing dated Aug 10, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

SMBK peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
SMBK$214.15M+14.5%$57.39M26.8%$819.9M
JPM$203.15B+13.2%$65.98B32.5%$895.84B
BAC$120.16B+5.4%$32.24B26.8%$343.35B
WFC$87.23B+5.4%$22.97B26.3%$254.56B
C$85.22B+5.6%$14.31B16.8%$198.69B
UBS$49.57B+2.0%$7.80B15.7%$151.35B
COF$63.01B+31.2%$10.87B17.2%$122.62B
MFG¥8.79T+7.6%¥1.16T13.2%$116.90B
BNSC$37.74B+12.1%C$7.79B20.6%$112.58B

SMBK FAQ

8 questions
  • What is SMBK revenue?
    SmartFinancial Inc. (SMBK) reported $214.15M of revenue for the twelve months ended Jun 30, 2026. That is up 14.5% from the year before. Revenue for fiscal 2025 was $200.46M.
  • Is SMBK profitable?
    Yes. SmartFinancial Inc. earned $57.39M in net income for the twelve months ended Jun 30, 2026, a net margin of 26.8%.
  • How much cash and debt does SMBK have?
    SmartFinancial Inc. reported $379.39M in cash and cash equivalents and $603.0K of debt on its most recent balance sheet in SEC filings.
  • How fast is SMBK revenue growing?
    SmartFinancial Inc.'s revenue changed +16.9% in fiscal 2025, to $200.46M. Its compound annual growth rate was +11.5% over 5 years and +22.1% over 10 years.
  • What is SMBK free cash flow?
    SmartFinancial Inc. generated $65.36M of free cash flow for the twelve months ended Jun 30, 2026, which is operating cash flow of $73.44M less capital expenditures.
  • What is SMBK earnings per share?
    Diluted earnings per share were $3.39 for the twelve months ended Jun 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did SMBK last report financial results?
    The latest statements here come from SmartFinancial Inc.'s 10-Q filed on Aug 10, 2026, covering the period ended Jun 30, 2026.
  • Where does this SMBK financial data come from?
    Quantisnow builds these statements from the structured XBRL data SmartFinancial Inc. files with the SEC. It is provided for information only and is not investment advice.