SmartFinancial, Inc.(SMBK)Earnings, Financials & Key Ratios

SMBK•NASDAQ•Banking & Credit

15.3× P/E·Price updated Jun 13, 2026

SectorFinancial Services IndustryRegional Banks Sub-IndustryCommercial and middle-market focused banks

AboutSmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers. It operates through Commercial Real Estate, Consumer Real Estate, Construction and Land Development, Commercial and Industrial, and Consumer and Other segments. The company offers noninterest-bearing and interest-bearing checking, interest-bearing demand, savings, money market, time deposit, individual retirement accounts, as well as certificates of deposit. It also provides commercial and residential real estate, consumer real estate, and construction and land development loans; commercial and financial loans; mortgage loans; and direct consumer installment loans, educational, and other revolving credit loans; and overdraft facilities. In addition, the company offers wealth management, insurance, mortgage origination, and Internet and mobile banking services. As of March 1, 2022, it had 41 full-service branches and 2 loan production offices in East and Middle Tennessee, Alabama, and the Florida Panhandle. The company is headquartered in Knoxville, Tennessee.Show more

Net Interest Income$166M+20.9%
Total Revenue$316M+10.9%
Net Income$50M+39.3%
Return on Equity9.65%+27.0%
Net Interest Margin2.83%+8.9%
Efficiency Ratio41.53%-2.0%
ROA0.9%+26.4%
Equity / Assets9.43%+1.2%
Book Value per Share32.65+12.1%
Tangible BV/Share27.02+17.9%
Debt/Equity0.18+89.3%

SMBK Key Insights

SmartFinancial, Inc. (SMBK) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

✓Strong 5Y profit CAGR of 15.7%
✓Efficient operations: 41.5% efficiency ratio
✓Trading near 52-week high
✓Trading at only 1.4x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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SMBK Price & Volume

SmartFinancial, Inc. (SMBK) stock price & volume — 10-year historical chart

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SMBK Growth Metrics

SmartFinancial, Inc. (SMBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years26.89%

5 Years18.92%

3 Years19.25%

TTM-

Profit CAGR

10 Years42.01%

5 Years15.65%

3 Years5.38%

TTM39.31%

EPS CAGR

10 Years28.12%

5 Years12.96%

3 Years5.33%

TTM39.25%

Return on Capital

10 Years7.95%

5 Years8.46%

3 Years8.08%

Last Year9.56%

SMBK Recent Earnings

SmartFinancial, Inc. (SMBK) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

●Beat EPS 9/12 qtrs (82%)●Beat Revenue 8/12 qtrs (73%)

Q2 2026Latest

Apr 20, 2026

EPS

$0.81

Est $0.81

+0.0%

Revenue

$54M

Est $53M

+1.1%

Q2 2026

Mar 16, 2026

EPS

$0.82

Est $0.78

+4.7%

Revenue

$84M

Est $51M

+63.2%

Q1 2026

Jan 20, 2026

EPS

$0.81

Est $0.80

+1.3%

Revenue

$53M

Est $51M

+3.7%

Q4 2025

Oct 21, 2025

EPS

$0.86

Est $0.73

+17.8%

Revenue

$47M

Est $52M

-9.3%

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	Apr 20, 2026	$0.81vs $0.81+0.0%	$54Mvs $53M+1.1%
Q2 2026	Mar 16, 2026	$0.82vs $0.78+4.7%	$84Mvs $51M+63.2%
Q1 2026	Jan 20, 2026	$0.81vs $0.80+1.3%	$53Mvs $51M+3.7%
Q4 2025	Oct 21, 2025	$0.86vs $0.73+17.8%	$47Mvs $52M-9.3%

Based on last 12 quarters of dataView full earnings history →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	Debt / Equity
SFBSServisFirst Bancshares, Inc.Direct Competitor	4.5B	82.39	16.28	4.13%	27.18%	15.75%	0.81
HOMBHome Bancshares, Inc.Direct Competitor	5.58B	28.25	11.72	-5.35%	34.59%	11.43%	0.22
SRCE1st Source CorporationDirect Competitor	1.91B	78.52	12.15	5.2%	27.72%	12.39%	0.26
CADECadence BankDirect Competitor	7.85B	42.11	15.20	32.37%	18.65%	9.11%	0.01
HOPEHope Bancorp, Inc.Direct Competitor	1.69B	13.19	28.67	-3.23%	6.05%	2.62%	0.17
BANFBancFirst CorporationDirect Competitor	3.94B	116.27	16.33	-9.29%	29.19%	13.68%	0.07
FFINFirst Financial Bankshares, Inc.Product Competitor	4.83B	33.65	19.01	11.71%	30.71%	14.16%	0.01
NBTBNBT Bancorp Inc.Product Competitor	2.52B	48.18	14.47	10.36%	18.76%	9.51%	0.17

Compare SMBK vs Peers

SmartFinancial, Inc. (SMBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs SFBS

Most directly comparable listed peer for SMBK.

Scale Benchmark

vs FISV

Larger-name benchmark to compare SMBK against a more recognizable public peer.

Peer Set

Compare Top 5

vs SFBS, HOMB, SRCE, CADE

SMBK Income Statement

SmartFinancial, Inc. (SMBK) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Net Interest Income	46.33M	76.64M	83.88M	100.87M	113.39M	137.5M	130.08M	137.35M	166.1M
NII Growth %	21.08%	65.43%	9.44%	20.25%	12.42%	21.26%	-5.4%	5.59%	20.94%
Net Interest Margin %	2.69%	3.37%	3.42%	3.05%	2.46%	2.96%	2.69%	2.6%	2.83%
Interest Income	52.02M	92.21M	108.45M	117.61M	125.23M	158.83M	218.04M	251.12M	285.97M
Interest Expense	5.69M	15.57M	24.57M	16.75M	11.84M	21.33M	87.96M	113.77M	119.87M
Loan Loss Provision	782.69K	2.94M	2.6M	8.68M	1.63M	4.02M	3.03M	5.15M	3.62M
Non-Interest Income	3.63M	4.53M	6.72M	15.43M	23.95M	27.71M	22.32M	34.15M	30.4M
Non-Interest Income %	6.52%	4.68%	5.83%	11.6%	16.05%	14.86%	9.29%	11.97%	9.61%
Total Revenue	55.65M▲ 0%	96.74M▲ 73.8%	115.17M▲ 19.1%	133.04M▲ 15.5%	149.18M▲ 12.1%	186.55M▲ 25.0%	240.37M▲ 28.8%	285.27M▲ 18.7%	316.37M▲ 10.9%
Revenue Growth %	22.06%	73.83%	19.06%	15.51%	12.13%	25.05%	28.85%	18.68%	10.9%
Non-Interest Expense	37.73M	56.9M	54.56M	76.72M	91.39M	106.29M	113.15M	120.89M	131.38M
Efficiency Ratio	67.8%	58.82%	47.37%	57.67%	61.26%	56.98%	47.07%	42.38%	41.53%
Operating Income	11.44M▲ 0%	21.34M▲ 86.4%	33.45M▲ 56.8%	30.89M▼ 7.6%	44.32M▲ 43.5%	54.91M▲ 23.9%	36.23M▼ 34.0%	45.46M▲ 25.5%	61.5M▲ 35.3%
Operating Margin %	20.56%	22.05%	29.04%	23.22%	29.71%	29.43%	15.07%	15.94%	19.44%
Operating Income Growth %	24.92%	86.43%	56.76%	-7.64%	43.47%	23.89%	-34.02%	25.49%	35.29%
Pretax Income	11.44M▲ 0%	21.34M▲ 86.4%	33.45M▲ 56.8%	30.89M▼ 7.6%	44.32M▲ 43.5%	54.91M▲ 23.9%	36.23M▼ 34.0%	45.46M▲ 25.5%	61.5M▲ 35.3%
Pretax Margin %	20.56%	22.05%	29.04%	23.22%	29.71%	29.43%	15.07%	15.94%	19.44%
Income Tax	6.43M	3.23M	6.9M	6.56M	9.53M	11.89M	7.63M	9.32M	11.15M
Effective Tax Rate %	56.18%	15.15%	20.62%	21.23%	21.5%	21.65%	21.07%	20.5%	18.14%
Net Income	5.02M▲ 0%	18.1M▲ 261.0%	26.55M▲ 46.7%	24.33M▼ 8.3%	34.79M▲ 43.0%	43.02M▲ 23.7%	28.59M▼ 33.5%	36.14M▲ 26.4%	50.35M▲ 39.3%
Net Margin %	9.01%	18.71%	23.05%	18.29%	23.32%	23.06%	11.9%	12.67%	15.91%
Net Income Growth %	-13.52%	260.95%	46.66%	-8.35%	42.98%	23.66%	-33.54%	26.4%	39.31%
Net Income (Continuing)	5.02M	18.1M	26.55M	24.33M	34.79M	43.02M	28.59M	36.14M	50.35M
EPS (Diluted)	0.56▲ 0%	1.43▲ 155.4%	1.89▲ 32.2%	1.62▼ 14.3%	2.22▲ 37.0%	2.55▲ 14.9%	1.69▼ 33.7%	2.14▲ 26.6%	2.98▲ 39.3%
EPS Growth %	-28.21%	155.36%	32.17%	-14.29%	37.04%	14.86%	-33.73%	26.63%	39.25%
EPS (Basic)	0.56	1.46	1.90	1.63	2.23	2.57	1.70	2.16	3.01
Diluted Shares Outstanding	8.75M	12.52M	14.05M	15.02M	15.7M	16.87M	16.92M	16.88M	16.92M

SMBK Balance Sheet

SmartFinancial, Inc. (SMBK) balance sheet — assets, liabilities & shareholders' equity

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash & Short Term Investments	258.01M	317.51M	338.88M	630.94M	1.49B	735.01M	703.23M	684.73M	1.14B
Cash & Due from Banks	106.06M	115.82M	160.53M	415.31M	1.01B	251.11M	294.82M	373.51M	464.42M
Short Term Investments	151.94M	201.69M	178.35M	215.63M	482.45M	483.89M	408.41M	311.22M	678.44M
Total Investments	1.47B	1.98B	2.07B	2.59B	3.19B	3.94B	4.04B	4.42B	5B
Investments Growth %	56.7%	34.9%	4.5%	25.1%	22.92%	23.56%	2.53%	9.53%	13.15%
Long-Term Investments	1.32B	1.78B	1.89B	2.38B	2.7B	3.45B	3.63B	4.11B	4.32B
Accounts Receivables	0	0	0	0	0	0	0	0	0
Goodwill & Intangibles	50.84M	79.03M	77.19M	86.47M	105.85M	109.77M	107.15M	104.72M	95.33M
Goodwill	42.87M	66.1M	65.61M	74.14M	91.56M	96.14M	96.14M	96.1M	95.33M
Intangible Assets	7.96M	12.93M	11.58M	12.34M	14.29M	13.63M	11M	8.62M	0
PP&E (Net)	43M	56.01M	59.43M	72.68M	85.96M	92.51M	92.96M	91.09M	88.39M
Other Assets	51.53M	41.39M	80.61M	139.24M	173.62M	182.21M	230.99M	222.68M	200.69M
Total Current Assets	258.01M	317.51M	338.88M	630.94M	1.54B	801.14M	771.35M	748.69M	1.15B
Total Non-Current Assets	1.46B	1.96B	2.11B	2.67B	3.07B	3.84B	4.06B	4.53B	4.71B
Total Assets	1.72B▲ 0%	2.27B▲ 32.2%	2.45B▲ 7.7%	3.3B▲ 34.9%	4.61B▲ 39.5%	4.64B▲ 0.6%	4.83B▲ 4.1%	5.28B▲ 9.2%	5.86B▲ 11.1%
Asset Growth %	61.96%	32.17%	7.68%	34.94%	39.54%	0.56%	4.14%	9.25%	11.09%
Return on Assets (ROA)	0.36%	0.91%	1.12%	0.85%	0.88%	0.93%	0.6%	0.72%	0.9%
Accounts Payable	0	0	0	0	0	0	0	0	0
Total Debt	67.66M	62.18M	70.88M	120.55M	141.73M	83.92M	55.2M	47.78M	101.67M
Net Debt	-38.41M	-53.65M	-89.65M	-294.76M	-865.85M	-167.2M	-239.62M	-325.73M	-362.75M
Long-Term Debt	43.6M	50.42M	64.7M	114.74M	129.51M	66.61M	42.1M	39.68M	98.66M
Short-Term Debt	24.05M	11.76M	6.18M	5.8M	12.21M	17.3M	13.1M	8.1M	3.01M
Other Liabilities	0	-460	18.28M	22.02M	18.48M	44.03M	46.45M	50.18M	53.86M
Total Current Liabilities	1.47B	1.94B	2.05B	2.81B	4.03B	4.09B	4.28B	4.69B	5.16B
Total Non-Current Liabilities	43.6M	50.42M	82.98M	136.76M	148M	110.65M	88.55M	89.86M	152.52M
Total Liabilities	1.51B	1.99B	2.14B	2.95B	4.18B	4.21B	4.37B	4.78B	5.31B
Total Equity	205.85M▲ 0%	283.01M▲ 37.5%	312.75M▲ 10.5%	357.17M▲ 14.2%	429.43M▲ 20.2%	432.45M▲ 0.7%	459.89M▲ 6.3%	491.46M▲ 6.9%	552.49M▲ 12.4%
Equity Growth %	95.6%	37.48%	10.51%	14.2%	20.23%	0.7%	6.34%	6.87%	12.42%
Equity / Assets (Capital Ratio)	11.96%	12.44%	12.77%	10.81%	9.31%	9.33%	9.52%	9.32%	9.43%
Return on Equity (ROE)	3.22%	7.41%	8.91%	7.26%	8.85%	9.98%	6.41%	7.6%	9.65%
Book Value per Share	23.53	22.60	22.27	23.78	27.35	25.63	27.18	29.12	32.65
Tangible BV per Share	17.72	16.29	16.77	18.02	20.61	19.13	20.85	22.92	27.02
Common Stock	11.15M	13.93M	14.01M	15.11M	16.8M	16.9M	16.99M	16.93M	17.03M
Additional Paid-in Capital	174.01M	231.85M	232.73M	252.69M	292.94M	294.33M	295.7M	294.27M	295.95M
Retained Earnings	21.89M	39.99M	65.84M	87.19M	118.25M	156.54M	173.1M	203.82M	248.72M
Accumulated OCI	-1.2M	-2.77M	168K	2.18M	1.44M	-35.32M	-25.91M	-23.67M	-9.32M
Treasury Stock	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0

SMBK Cash Flow Statement

SmartFinancial, Inc. (SMBK) cash flow — operating, investing & free cash flow history

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash from Operations	1.24M	20.82M	29.87M	29.07M	46.18M	56.79M	39.72M	52.7M	61.72M
Operating CF Growth %	-89.3%	1579.18%	43.42%	-2.67%	58.87%	22.98%	-30.07%	32.69%	17.12%
Net Income	5.02M	18.1M	26.55M	24.33M	34.79M	43.02M	28.59M	36.14M	50.35M
Depreciation & Amortization	-1.69M	3.29M	4.3M	7.76M	9M	12.64M	13.5M	11.41M	9.74M
Deferred Taxes	1.6M	2.43M	780K	-1.22M	643K	-555K	1.31M	120K	-470K
Other Non-Cash Items	-854.43K	-1.73M	-7.58M	-2.17M	1.66M	3.05M	5.3M	375K	-317K
Working Capital Changes	-2.98M	-1.67M	5.3M	-121K	-608K	-2.67M	-10.33M	3.02M	485K
Cash from Investing	-50.73M	-94.88M	-94.78M	-259.34M	-264.99M	-840.82M	-135.24M	-420.22M	-499.05M
Purchase of Investments	-54M	-72.15M	-17.6M	-94.15M	-436.2M	-347.91M	-130.58M	-131.38M	-6.32M
Sale/Maturity of Investments	82.88M	93.48M	46.33M	87.95M	149.48M	80.94M	214.35M	216.43M	1.04M
Net Investment Activity	28.88M	21.33M	28.73M	-6.19M	-286.71M	-266.97M	83.77M	85.06M	-5.28M
Acquisitions	-178.31K	4.37M	0	46.13M	15.36M	-4.88M	0	0	0
Other Investing	-76.64M	-116.72M	-117.23M	-293.87M	8.3M	-556.48M	-212.74M	-498.87M	-493.77M
Cash from Financing	93.77M	76.85M	133.06M	528.02M	782.17M	5.37M	181.37M	402.82M	514.17M
Dividends Paid	-195K	0	-700K	-2.99M	-3.73M	-4.72M	-5.43M	-5.42M	-5.45M
Share Repurchases	0	0	0	-4.31M	-1.21M	0	0	-2.97M	0
Stock Issued	37.85M	1.53M	438K	339K	200K	397K	165K	68K	153K
Net Stock Activity	37.85M	1.53M	438K	-3.97M	-1.01M	397K	165K	-2.9M	153K
Debt Issuance (Net)	1000K	-1000K	1000K	1000K	1000K	-1000K	-1000K	-1000K	1000K
Other Financing	47.91M	82.47M	119.13M	485.01M	779.8M	55.11M	191.13M	417.53M	464.9M
Net Change in Cash	44.28M▲ 0%	2.8M▼ 93.7%	68.15M▲ 2337.7%	297.75M▲ 336.9%	563.36M▲ 89.2%	-778.65M▼ 238.2%	85.85M▲ 111.0%	35.3M▼ 58.9%	76.85M▲ 117.7%
Exchange Rate Effect	0	0	0	0	0	0	0	0	0
Cash at Beginning	68.75M	113.03M	115.82M	183.97M	481.72M	1.05B	266.42M	352.27M	387.57M
Cash at End	113.03M	115.82M	183.97M	481.72M	1.05B	266.42M	352.27M	387.57M	464.42M
Interest Paid	5.4M	14.75M	24.18M	16.9M	12.16M	21.36M	85.44M	113.67M	116.44M
Income Taxes Paid	3.53M	857K	6.76M	8.61M	9.28M	12.21M	9.35M	8.77M	12.39M
Free Cash Flow	-1.56M▲ 0%	16.98M▲ 1189.2%	23.6M▲ 39.0%	23.63M▲ 0.1%	43.8M▲ 85.4%	44.31M▲ 1.1%	33.45M▼ 24.5%	46.3M▲ 38.4%	59.34M▲ 28.2%
FCF Growth %	-133.92%	1189.16%	38.99%	0.14%	85.38%	1.14%	-24.51%	38.42%	28.17%

SMBK Banking Ratios

SmartFinancial, Inc. (SMBK) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	5.65%	3.22%	7.41%	8.91%	7.26%	8.85%	9.98%	6.41%	7.6%	9.65%
Return on Assets (ROA)	0.56%	0.36%	0.91%	1.12%	0.85%	0.88%	0.93%	0.6%	0.72%	0.9%
Net Interest Margin	3.6%	2.69%	3.37%	3.42%	3.05%	2.46%	2.96%	2.69%	2.6%	2.83%
Efficiency Ratio	68.75%	67.8%	58.82%	47.37%	57.67%	61.26%	56.98%	47.07%	42.38%	41.53%
Equity / Assets	9.91%	11.96%	12.44%	12.77%	10.81%	9.31%	9.33%	9.52%	9.32%	9.43%
Book Value / Share	17.85	23.53	22.6	22.27	23.78	27.35	25.63	27.18	29.12	32.65
NII Growth	53.08%	21.08%	65.43%	9.44%	20.25%	12.42%	21.26%	-5.4%	5.59%	20.94%
Dividend Payout	-	-	-	2.64%	12.27%	10.72%	10.98%	18.98%	15%	10.83%

SMBK SEC Filings & Documents

SmartFinancial, Inc. (SMBK) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

Material company update

Apr 20, 2026·SEC

Material company update

Mar 31, 2026·SEC

Material company update

Jan 30, 2026·SEC

10-K Annual Reports

FY 2026

Mar 16, 2026·SEC

FY 2025

Mar 17, 2025·SEC

FY 2024

Mar 15, 2024·SEC

10-Q Quarterly Reports

FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 11, 2025·SEC

FY 2025

May 12, 2025·SEC

SMBK Frequently Asked Questions

SmartFinancial, Inc. (SMBK) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

SmartFinancial, Inc. (SMBK) grew revenue by 10.9% over the past year. This is steady growth.

Yes, SmartFinancial, Inc. (SMBK) is profitable, generating $50.3M in net income for fiscal year 2025 (15.9% net margin).

Dividend & Returns

Yes, SmartFinancial, Inc. (SMBK) pays a dividend with a yield of 0.71%. This makes it attractive for income-focused investors.

SmartFinancial, Inc. (SMBK) has a return on equity (ROE) of 9.6%. This is below average, suggesting room for improvement.

Industry Metrics

SmartFinancial, Inc. (SMBK) has a net interest margin (NIM) of 2.8%. NIM has been under pressure due to interest rate environment.

SmartFinancial, Inc. (SMBK) has an efficiency ratio of 41.5%. This is excellent, indicating strong cost control.

What if you invested $1,000 in SMBK back in 2001?

Total return calculator · dividends reinvested · 25+ years of data

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Quarter

Date

EPS (Act vs Est)

Revenue (Act vs Est)

Q2 2026Latest

Apr 20, 2026

$0.81vs $0.81+0.0%

$54Mvs $53M+1.1%

Q2 2026

Mar 16, 2026

$0.82vs $0.78+4.7%

$84Mvs $51M+63.2%

Q1 2026

Jan 20, 2026

$0.81vs $0.80+1.3%

$53Mvs $51M+3.7%

Q4 2025

Oct 21, 2025

$0.86vs $0.73+17.8%

$47Mvs $52M-9.3%

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Net Interest Income

46.33M

76.64M

83.88M

100.87M

113.39M

137.5M

130.08M

137.35M

166.1M

NII Growth %

21.08%

65.43%

9.44%

20.25%

12.42%

21.26%

-5.4%

5.59%

20.94%

Net Interest Margin %

2.69%

3.37%

3.42%

3.05%

2.46%

2.96%

2.69%

2.6%

2.83%

Interest Income

52.02M

92.21M

108.45M

117.61M

125.23M

158.83M

218.04M

251.12M

285.97M

Interest Expense

5.69M

15.57M

24.57M

16.75M

11.84M

21.33M

87.96M

113.77M

119.87M

Loan Loss Provision

782.69K

2.94M

2.6M

8.68M

1.63M

4.02M

3.03M

5.15M

3.62M

Non-Interest Income

3.63M

4.53M

6.72M

15.43M

23.95M

27.71M

22.32M

34.15M

30.4M

Non-Interest Income %

6.52%

4.68%

5.83%

11.6%

16.05%

14.86%

9.29%

11.97%

9.61%

Total Revenue

55.65M▲ 0%

96.74M▲ 73.8%

115.17M▲ 19.1%

133.04M▲ 15.5%

149.18M▲ 12.1%

186.55M▲ 25.0%

240.37M▲ 28.8%

285.27M▲ 18.7%

316.37M▲ 10.9%

Revenue Growth %

22.06%

73.83%

19.06%

15.51%

12.13%

25.05%

28.85%

18.68%

10.9%

Non-Interest Expense

37.73M

56.9M

54.56M

76.72M

91.39M

106.29M

113.15M

120.89M

131.38M

Efficiency Ratio

67.8%

58.82%

47.37%

57.67%

61.26%

56.98%

47.07%

42.38%

41.53%

Operating Income

11.44M▲ 0%

21.34M▲ 86.4%

33.45M▲ 56.8%

30.89M▼ 7.6%

44.32M▲ 43.5%

54.91M▲ 23.9%

36.23M▼ 34.0%

45.46M▲ 25.5%

61.5M▲ 35.3%

Operating Margin %

20.56%

22.05%

29.04%

23.22%

29.71%

29.43%

15.07%

15.94%

19.44%

Operating Income Growth %

24.92%

86.43%

56.76%

-7.64%

43.47%

23.89%

-34.02%

25.49%

35.29%

Pretax Income

11.44M▲ 0%

21.34M▲ 86.4%

33.45M▲ 56.8%

30.89M▼ 7.6%

44.32M▲ 43.5%

54.91M▲ 23.9%

36.23M▼ 34.0%

45.46M▲ 25.5%

61.5M▲ 35.3%

Pretax Margin %

20.56%

22.05%

29.04%

23.22%

29.71%

29.43%

15.07%

15.94%

19.44%

Income Tax

6.43M

3.23M

6.9M

6.56M

9.53M

11.89M

7.63M

9.32M

11.15M

Effective Tax Rate %

56.18%

15.15%

20.62%

21.23%

21.5%

21.65%

21.07%

20.5%

18.14%

Net Income

5.02M▲ 0%

18.1M▲ 261.0%

26.55M▲ 46.7%

24.33M▼ 8.3%

34.79M▲ 43.0%

43.02M▲ 23.7%

28.59M▼ 33.5%

36.14M▲ 26.4%

50.35M▲ 39.3%

Net Margin %

9.01%

18.71%

23.05%

18.29%

23.32%

23.06%

11.9%

12.67%

15.91%

Net Income Growth %

-13.52%

260.95%

46.66%

-8.35%

42.98%

23.66%

-33.54%

26.4%

39.31%

Net Income (Continuing)

5.02M

18.1M

26.55M

24.33M

34.79M

43.02M

28.59M

36.14M

50.35M

EPS (Diluted)

0.56▲ 0%

1.43▲ 155.4%

1.89▲ 32.2%

1.62▼ 14.3%

2.22▲ 37.0%

2.55▲ 14.9%

1.69▼ 33.7%

2.14▲ 26.6%

2.98▲ 39.3%

EPS Growth %

-28.21%

155.36%

32.17%

-14.29%

37.04%

14.86%

-33.73%

26.63%

39.25%

EPS (Basic)

0.56

1.46

1.90

1.63

2.23

2.57

1.70

2.16

3.01

Diluted Shares Outstanding

8.75M

12.52M

14.05M

15.02M

15.7M

16.87M

16.92M

16.88M

16.92M

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Cash & Short Term Investments

258.01M

317.51M

338.88M

630.94M

1.49B

735.01M

703.23M

684.73M

1.14B

Cash & Due from Banks

106.06M

115.82M

160.53M

415.31M

1.01B

251.11M

294.82M

373.51M

464.42M

Short Term Investments

151.94M

201.69M

178.35M

215.63M

482.45M

483.89M

408.41M

311.22M

678.44M

Total Investments

1.47B

1.98B

2.07B

2.59B

3.19B

3.94B

4.04B

4.42B

Investments Growth %

56.7%

34.9%

4.5%

25.1%

22.92%

23.56%

2.53%

9.53%

13.15%

Long-Term Investments

1.32B

1.78B

1.89B

2.38B

2.7B

3.45B

3.63B

4.11B

4.32B

Accounts Receivables

Goodwill & Intangibles

50.84M

79.03M

77.19M

86.47M

105.85M

109.77M

107.15M

104.72M

95.33M

Goodwill

42.87M

66.1M

65.61M

74.14M

91.56M

96.14M

96.1M

95.33M

Intangible Assets

7.96M

12.93M

11.58M

12.34M

14.29M

13.63M

11M

8.62M

PP&E (Net)

43M

56.01M

59.43M

72.68M

85.96M

92.51M

92.96M

91.09M

88.39M

Other Assets

51.53M

41.39M

80.61M

139.24M

173.62M

182.21M

230.99M

222.68M

200.69M

Total Current Assets

258.01M

317.51M

338.88M

630.94M

1.54B

801.14M

771.35M

748.69M

1.15B

Total Non-Current Assets

1.46B

1.96B

2.11B

2.67B

3.07B

3.84B

4.06B

4.53B

4.71B

Total Assets

1.72B▲ 0%

2.27B▲ 32.2%

2.45B▲ 7.7%

3.3B▲ 34.9%

4.61B▲ 39.5%

4.64B▲ 0.6%

4.83B▲ 4.1%

5.28B▲ 9.2%

5.86B▲ 11.1%

Asset Growth %

61.96%

32.17%

7.68%

34.94%

39.54%

0.56%

4.14%

9.25%

11.09%

Return on Assets (ROA)

0.36%

0.91%

1.12%

0.85%

0.88%

0.93%

0.6%

0.72%

0.9%

Accounts Payable

Total Debt

67.66M

62.18M

70.88M

120.55M

141.73M

83.92M

55.2M

47.78M

101.67M

Net Debt

-38.41M

-53.65M

-89.65M

-294.76M

-865.85M

-167.2M

-239.62M

-325.73M

-362.75M

Long-Term Debt

43.6M

50.42M

64.7M

114.74M

129.51M

66.61M

42.1M

39.68M

98.66M

Short-Term Debt

24.05M

11.76M

6.18M

5.8M

12.21M

17.3M

13.1M

8.1M

3.01M

Other Liabilities

-460

18.28M

22.02M

18.48M

44.03M

46.45M

50.18M

53.86M

Total Current Liabilities

1.47B

1.94B

2.05B

2.81B

4.03B

4.09B

4.28B

4.69B

5.16B

Total Non-Current Liabilities

43.6M

50.42M

82.98M

136.76M

148M

110.65M

88.55M

89.86M

152.52M

Total Liabilities

1.51B

1.99B

2.14B

2.95B

4.18B

4.21B

4.37B

4.78B

5.31B

Total Equity

205.85M▲ 0%

283.01M▲ 37.5%

312.75M▲ 10.5%

357.17M▲ 14.2%

429.43M▲ 20.2%

432.45M▲ 0.7%

459.89M▲ 6.3%

491.46M▲ 6.9%

552.49M▲ 12.4%

Equity Growth %

95.6%

37.48%

10.51%

14.2%

20.23%

0.7%

6.34%

6.87%

12.42%

Equity / Assets (Capital Ratio)

11.96%

12.44%

12.77%

10.81%

9.31%

9.33%

9.52%

9.32%

9.43%

Return on Equity (ROE)

3.22%

7.41%

8.91%

7.26%

8.85%

9.98%

6.41%

7.6%

9.65%

Book Value per Share

23.53

22.60

22.27

23.78

27.35

25.63

27.18

29.12

32.65

Tangible BV per Share

17.72

16.29

16.77

18.02

20.61

19.13

20.85

22.92

27.02

Common Stock

11.15M

13.93M

14.01M

15.11M

16.8M

16.9M

16.99M

16.93M

17.03M

Additional Paid-in Capital

174.01M

231.85M

232.73M

252.69M

292.94M

294.33M

295.7M

294.27M

295.95M

Retained Earnings

21.89M

39.99M

65.84M

87.19M

118.25M

156.54M

173.1M

203.82M

248.72M

Accumulated OCI

-1.2M

-2.77M

168K

2.18M

1.44M

-35.32M

-25.91M

-23.67M

-9.32M

Treasury Stock

Preferred Stock

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Cash from Operations

1.24M

20.82M

29.87M

29.07M

46.18M

56.79M

39.72M

52.7M

61.72M

Operating CF Growth %

-89.3%

1579.18%

43.42%

-2.67%

58.87%

22.98%

-30.07%

32.69%

17.12%

Net Income

5.02M

18.1M

26.55M

24.33M

34.79M

43.02M

28.59M

36.14M

50.35M

Depreciation & Amortization

-1.69M

3.29M

4.3M

7.76M

12.64M

13.5M

11.41M

9.74M

Deferred Taxes

1.6M

2.43M

780K

-1.22M

643K

-555K

1.31M

120K

-470K

Other Non-Cash Items

-854.43K

-1.73M

-7.58M

-2.17M

1.66M

3.05M

5.3M

375K

-317K

Working Capital Changes

-2.98M

-1.67M

5.3M

-121K

-608K

-2.67M

-10.33M

3.02M

485K

Cash from Investing

-50.73M

-94.88M

-94.78M

-259.34M

-264.99M

-840.82M

-135.24M

-420.22M

-499.05M

Purchase of Investments

-54M

-72.15M

-17.6M

-94.15M

-436.2M

-347.91M

-130.58M

-131.38M

-6.32M

Sale/Maturity of Investments

82.88M

93.48M

46.33M

87.95M

149.48M

80.94M

214.35M

216.43M

1.04M

Net Investment Activity

28.88M

21.33M

28.73M

-6.19M

-286.71M

-266.97M

83.77M

85.06M

-5.28M

Acquisitions

-178.31K

4.37M

46.13M

15.36M

-4.88M

Other Investing

-76.64M

-116.72M

-117.23M

-293.87M

8.3M

-556.48M

-212.74M

-498.87M

-493.77M

Cash from Financing

93.77M

76.85M

133.06M

528.02M

782.17M

5.37M

181.37M

402.82M

514.17M

Dividends Paid

-195K

-700K

-2.99M

-3.73M

-4.72M

-5.43M

-5.42M

-5.45M

Share Repurchases

-4.31M

-1.21M

-2.97M

Stock Issued

37.85M

1.53M

438K

339K

200K

397K

165K

68K

153K

Net Stock Activity

37.85M

1.53M

438K

-3.97M

-1.01M

397K

165K

-2.9M

153K

Debt Issuance (Net)

1000K

-1000K

1000K

-1000K

1000K

Other Financing

47.91M

82.47M

119.13M

485.01M

779.8M

55.11M

191.13M

417.53M

464.9M

Net Change in Cash

44.28M▲ 0%

2.8M▼ 93.7%

68.15M▲ 2337.7%

297.75M▲ 336.9%

563.36M▲ 89.2%

-778.65M▼ 238.2%

85.85M▲ 111.0%

35.3M▼ 58.9%

76.85M▲ 117.7%

Exchange Rate Effect

Cash at Beginning

68.75M

113.03M

115.82M

183.97M

481.72M

1.05B

266.42M

352.27M

387.57M

Cash at End

113.03M

115.82M

183.97M

481.72M

1.05B

266.42M

352.27M

387.57M

464.42M

Interest Paid

5.4M

14.75M

24.18M

16.9M

12.16M

21.36M

85.44M

113.67M

116.44M

Income Taxes Paid

3.53M

857K

6.76M

8.61M

9.28M

12.21M

9.35M

8.77M

12.39M

Free Cash Flow

-1.56M▲ 0%

16.98M▲ 1189.2%

23.6M▲ 39.0%

23.63M▲ 0.1%

43.8M▲ 85.4%

44.31M▲ 1.1%

33.45M▼ 24.5%

46.3M▲ 38.4%

59.34M▲ 28.2%

FCF Growth %

-133.92%

1189.16%

38.99%

0.14%

85.38%

1.14%

-24.51%

38.42%

28.17%

Metric

2016

2017

2018

2019

2020

2021

2022

2023

2024

2025

Return on Equity (ROE)

5.65%

3.22%

7.41%

8.91%

7.26%

8.85%

9.98%

6.41%

7.6%

9.65%

Return on Assets (ROA)

0.56%

0.36%

0.91%

1.12%

0.85%

0.88%

0.93%

0.6%

0.72%

0.9%

Net Interest Margin

3.6%

2.69%

3.37%

3.42%

3.05%

2.46%

2.96%

2.69%

2.6%

2.83%

Efficiency Ratio

68.75%

67.8%

58.82%

47.37%

57.67%

61.26%

56.98%

47.07%

42.38%

41.53%

Equity / Assets

9.91%

11.96%

12.44%

12.77%

10.81%

9.31%

9.33%

9.52%

9.32%

9.43%

Book Value / Share

17.85

23.53

22.6

22.27

23.78

27.35

25.63

27.18

29.12

32.65

NII Growth

53.08%

21.08%

65.43%

9.44%

20.25%

12.42%

21.26%

-5.4%

5.59%

20.94%

Dividend Payout

2.64%

12.27%

10.72%

10.98%

18.98%

15%

10.83%

SmartFinancial, Inc.(SMBK)Earnings, Financials & Key Ratios

SMBK Key Insights

✓Strengths

✗Weaknesses

SMBK Price & Volume

SMBK Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

SMBK Recent Earnings

SMBK Peer Comparison

Compare SMBK vs Peers

vs SFBS

vs FISV

Compare Top 5

SMBK Income Statement

SMBK Balance Sheet

SMBK Cash Flow Statement

SMBK Banking Ratios

SMBK SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

SMBK Frequently Asked Questions

SmartFinancial, Inc.(SMBK)Earnings, Financials & Key Ratios

SMBK Key Insights

✓Strengths

✗Weaknesses

SMBK Price & Volume

SMBK Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

SMBK Recent Earnings

SMBK Peer Comparison

Compare SMBK vs Peers

vs SFBS

vs FISV

Compare Top 5

SMBK Income Statement

SMBK Balance Sheet

SMBK Cash Flow Statement

SMBK Banking Ratios

SMBK SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

SMBK Frequently Asked Questions