SmartFinancial, Inc. (SMBK)
NYSE: SMBK · Real-Time Price · USD
52.96
-0.15 (-0.28%)
Jul 29, 2026, 4:00 PM EDT - Market closed

SmartFinancial Balance Sheet

Millions USD. Fiscal year is Jan - Dec.

Assets

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Equivalents
379.39928.83775.14704.54532.852,090
Securities and Investments
697.44678.44623.73703.31785.37575.92
Other Earning Assets
9.6310.8764.421.755.1
Gross Loans
4,6834,3643,9063,4443,2542,693
Allowance for Loan Losses
-45.25-40.91-37.42-35.07-23.33-19.35
Net Loans
4,6384,3233,8693,4093,2302,674
Net Property, Plant & Equipment
93.3188.3991.0992.9692.5185.96
Goodwill
94.4295.33104.72107.15109.77105.85
Other Non-Earning Assets
203.44200.69193.88159.88151.37119.63
Total Assets
6,1155,8615,2764,8294,6374,612

Liabilities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Interest-bearing deposits
4,4644,0903,7213,3703,0052,967
Noninterest-bearing deposits
921.881,063965.55898.041,0721,055
Total Deposits
5,3865,1534,6864,2684,0774,022
Short-Term Borrowings
0.63.018.1413.0841.8687.59
Long-Term Debt
98.8198.6639.6842.142.0241.93
Other Liabilities
53.4253.8650.1446.4744.0730.7
Total Liabilities
5,5385,3084,7844,3704,2054,182

Shareholders' Equity

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Common Stock
17.117.0316.9316.9916.916.8
Additional Paid-in Capital
296.84295.95294.27295.7294.33292.94
Accumulated Other Comprehensive Income
-12.94-9.32-23.67-25.91-35.321.44
Retained Earnings
275.81248.72203.82173.11156.55118.25
Total Common Shareholders' Equity
576.81552.38491.35459.89432.45429.43
Minority Interest
0.110.110.11---
Shareholders' Equity
576.92552.49491.46459.89432.45429.43
Total Liabilities & Equity
6,1155,8615,2764,8294,6374,612

Additional Metrics

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Total Debt
98.8198.6639.6842.142.0241.93
Net Cash (Debt)
-98.81-98.66-39.68-42.1-42.02-41.93
Net Cash Growth
------
Net Cash Per Share
-5.83-5.84-2.35-2.49-2.49-2.67
Book Value
576.81552.38491.35459.89432.45429.43
Book Value Per Share
34.0732.6929.1227.1925.6327.35
Tangible Book Value
482.39457.05386.63352.74322.68323.58
Tangible Book Value Per Share
28.4927.0522.9120.8619.1320.61
SEC Filings: 10-K · 10-Q