SmartFinancial, Inc. (SMBK)
NYSE: SMBK · Real-Time Price · USD
48.62
+0.89 (1.86%)
Nov 9, 2026, 1:31 PM EST - Market open
SmartFinancial Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Equivalents | 364.88 | 464.42 | 387.57 | 352.27 | 266.42 | 1,045 |
Investment Securities | 141.09 | 202.74 | 272.3 | 427.55 | 528.92 | 331.57 |
Trading Asset Securities | - | 13.2 | 12.14 | 12.82 | 11.83 | 1.33 |
Mortgage-Backed Securities | 557.39 | 459.27 | 336.68 | 262.09 | 240.92 | 227.85 |
Total Investments | 698.47 | 675.2 | 621.12 | 702.47 | 781.68 | 560.75 |
Gross Loans | 4,857 | 4,364 | 3,906 | 3,444 | 3,254 | 2,709 |
Allowance for Loan Losses | -45.65 | -40.91 | -37.42 | -35.07 | -23.33 | -19.35 |
Other Adjustments to Gross Loans | - | - | - | - | - | -15.27 |
Net Loans | 4,811 | 4,323 | 3,869 | 3,409 | 3,230 | 2,674 |
Property, Plant & Equipment | 94.21 | 99.54 | 103.04 | 102.86 | 101.83 | 95.77 |
Goodwill | - | 90.37 | 96.15 | 96.15 | 96.15 | 91.57 |
Other Intangible Assets | 93.97 | 4.96 | 8.58 | 11 | 13.63 | 14.29 |
Loans Held for Sale | 10.21 | 10.87 | 6 | 4.42 | 1.75 | 5.1 |
Accrued Interest Receivable | - | 15.5 | 14.2 | 12.5 | - | - |
Long-Term Deferred Tax Assets | - | 16.88 | 21.41 | 22.31 | 24.59 | 11.23 |
Other Real Estate Owned & Foreclosed | 2.07 | - | 0.18 | 0.52 | 1.44 | 1.78 |
Other Long-Term Assets | 245.95 | 155.29 | 143.4 | 111.72 | 114.33 | 105.52 |
Total Assets | 6,321 | 5,861 | 5,276 | 4,829 | 4,637 | 4,612 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Interest Bearing Deposits | 4,656 | 3,637 | 3,418 | 3,144 | 2,857 | 2,807 |
Institutional Deposits | - | 452.7 | 302.8 | 225.7 | 147.2 | 160 |
Non-Interest Bearing Deposits | 920.12 | 1,063 | 965.55 | 898.04 | 1,072 | 1,055 |
Total Deposits | 5,576 | 5,153 | 4,686 | 4,268 | 4,077 | 4,022 |
Short-Term Borrowings | 0.35 | 16.53 | 17.3 | 19.89 | 17.94 | 9.99 |
Current Portion of Leases | - | 1.8 | - | - | - | - |
Long-Term Debt | 98.88 | 98.66 | 43.72 | 50.08 | 79.08 | 49.42 |
Federal Home Loan Bank Debt, Long-Term | - | - | - | - | - | 75 |
Long-Term Leases | - | 9.95 | 12.47 | 10.3 | 9.46 | 9.88 |
Other Long-Term Liabilities | 64.11 | 28.58 | 24.47 | 21.38 | 21.48 | 15.92 |
Total Liabilities | 5,740 | 5,308 | 4,784 | 4,370 | 4,205 | 4,182 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Common Stock | 17.1 | 17.03 | 16.93 | 16.99 | 16.9 | 16.8 |
Additional Paid-In Capital | 297.37 | 295.95 | 294.27 | 295.7 | 294.33 | 292.94 |
Retained Earnings | 292.9 | 248.72 | 203.82 | 173.11 | 156.55 | 118.25 |
Comprehensive Income & Other | -26.22 | -9.32 | -23.67 | -25.91 | -35.32 | 1.44 |
Total Common Equity | 581.14 | 552.38 | 491.35 | 459.89 | 432.45 | 429.43 |
Minority Interest | 0.11 | 0.11 | 0.11 | - | - | - |
Shareholders' Equity | 581.26 | 552.49 | 491.46 | 459.89 | 432.45 | 429.43 |
Total Liabilities & Equity | 6,321 | 5,861 | 5,276 | 4,829 | 4,637 | 4,612 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Total Debt | 99.22 | 126.95 | 73.49 | 80.27 | 106.47 | 144.29 |
Net Cash (Debt) | 265.65 | 350.67 | 326.22 | 284.83 | 171.79 | 902.11 |
Net Cash Growth | -34.37% | 7.50% | 14.53% | 65.80% | -80.96% | 157.62% |
Net Cash Per Share | 15.65 | 20.75 | 19.33 | 16.84 | 10.18 | 57.46 |
Filing Date Shares Outstanding | 17.1 | 17.1 | 17.02 | 17.06 | 17 | 16.89 |
Total Common Shares Outstanding | 17.1 | 17.03 | 16.93 | 16.99 | 16.9 | 16.8 |
Book Value Per Share | 33.99 | 32.44 | 29.03 | 27.07 | 25.59 | 25.56 |
Tangible Book Value | 487.18 | 457.05 | 386.63 | 352.74 | 322.68 | 323.58 |
Tangible Book Value Per Share | 28.50 | 26.84 | 22.84 | 20.76 | 19.09 | 19.26 |