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 Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 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 |
Net Interest Income | 181.46 | 166.1 | 137.35 | 130.08 | 137.5 | 113.39 |
Net Interest Income Growth | 19.86% | 20.94% | 5.59% | -5.40% | 21.26% | 12.42% |
Non-Interest Income | 28.73 | 34.35 | 34.15 | 22.33 | 27.72 | 23.95 |
Non-Interest Income Growth | -19.45% | 0.59% | 52.98% | -19.45% | 15.72% | 55.25% |
Revenues Before Loan Losses | 210.19 | 200.46 | 171.5 | 152.41 | 165.22 | 137.34 |
Provision for Credit Losses | 9.96 | 7.75 | 5.15 | 3.03 | 4.02 | 1.63 |
| 200.23 | 192.71 | 166.35 | 149.38 | 161.2 | 135.71 | |
Revenue Growth | 11.88% | 15.84% | 11.36% | -7.33% | 18.78% | 26.11% |
Compensation Expenses | 80.89 | 78.3 | 72.1 | 65.75 | 63.42 | 51.66 |
Selling, General & Admin | 32.06 | 32.55 | 31.5 | 30.1 | 27.01 | 22.79 |
Other Non-Interest Expenses | 18.93 | 20.36 | 17.29 | 17.31 | 15.86 | 16.94 |
Total Non-Interest Expense | 133.21 | 131.21 | 120.89 | 113.15 | 106.29 | 91.39 |
Pretax Income | 70.98 | 61.5 | 45.46 | 36.23 | 54.91 | 44.32 |
Provision for Income Taxes | 13.59 | 11.15 | 9.32 | 7.63 | 11.89 | 9.53 |
Net Income | 57.39 | 50.35 | 36.14 | 28.59 | 43.02 | 34.79 |
Net Income to Common | 57.39 | 50.35 | 36.14 | 28.59 | 43.02 | 34.79 |
Net Income Growth | 37.50% | 39.31% | 26.40% | -33.54% | 23.66% | 42.98% |
Shares Outstanding (Basic) | 17 | 17 | 17 | 17 | 17 | 16 |
Shares Outstanding (Diluted) | 17 | 17 | 17 | 17 | 17 | 16 |
Shares Change | 0.41% | 0.13% | -0.21% | 0.24% | 7.47% | 4.53% |
EPS (Basic) | 3.42 | 3.00 | 2.16 | 1.70 | 2.57 | 2.23 |
EPS (Diluted) | 3.39 | 2.98 | 2.14 | 1.69 | 2.55 | 2.22 |
EPS Growth | 37.25% | 39.25% | 26.63% | -33.73% | 14.87% | 37.04% |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 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 |
Free Cash Flow | - | 59.34 | 46.3 | 33.45 | 44.31 | 43.81 |
Free Cash Flow Growth | - | 28.17% | 38.42% | -24.51% | 1.14% | 85.38% |
Free Cash Flow Per Share | - | 3.51 | 2.74 | 1.98 | 2.63 | 2.79 |
Dividends Per Share | 0.330 | 0.320 | 0.320 | 0.320 | 0.280 | 0.240 |
Dividend Growth | 3.13% | 0% | 0% | 14.29% | 16.67% | 20.00% |
Profit Margin | 28.66% | 26.13% | 21.73% | 19.14% | 26.69% | 25.64% |
FCF Margin | - | 30.79% | 27.83% | 22.39% | 27.49% | 32.28% |
Effective Tax Rate | 19.14% | 18.14% | 20.50% | 21.07% | 21.65% | 21.50% |