20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.
SmartFinancial, Inc. (SMBK) operates in the BANKS - REGIONAL industry and is headquartered in Knoxville, United States with about 581 employees. Its market capitalization is roughly $884 million. In the fiscal year ended 2025-12-31, SMBK reported $316M in revenue and $50M in net income.
SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers in the United States.
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| Income statement | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | $331M | $316M | $285M | $240M | $187M | $149M | $133M | $115M | $97M | $56M | $46M | $29M | $21M | $20M | $20M | $22M | $28M | $29M | $33M | $36M | $31M |
| Gross Profit | $208M | $193M | $166M | $149M | $161M | $136M | $108M | $88M | $78M | $49M | $41M | $26M | $19M | $17M | $15M | $15M | $12M | $3M | $16M | $12M | $20M |
| Gross Margin % | 62.8% | 61.0% | 58.3% | 62.1% | 86.4% | 91.0% | 80.9% | 76.4% | 80.9% | 88.4% | 88.8% | 87.4% | 88.4% | 81.3% | 74.4% | 68.6% | 41.7% | 8.9% | 50.3% | 31.9% | 63.5% |
| Operating Income (EBIT) | $72M | $62M | $45M | $36M | $55M | $44M | $31M | $33M | $21M | $11M | $9M | $3M | $3M | $3M | $2M | $1M | ($6M) | ($14M) | $4M | $1M | $9M |
| Operating Margin % | 21.8% | 19.4% | 15.9% | 15.1% | 29.4% | 29.7% | 23.2% | 29.0% | 22.1% | 20.6% | 20.1% | 10.8% | 13.8% | 13.4% | 9.7% | 5.6% | -22.1% | -47.2% | 11.7% | 2.0% | 29.2% |
| Net Income | $58M | $50M | $36M | $29M | $43M | $35M | $24M | $27M | $18M | $5M | $6M | $2M | $2M | $2M | $1M | $1M | ($5M) | ($8M) | $3M | $1M | $6M |
| Net Margin % | 17.5% | 15.9% | 12.7% | 11.9% | 23.1% | 23.3% | 18.3% | 23.1% | 18.7% | 9.0% | 12.7% | 5.2% | 8.6% | 8.2% | 6.9% | 4.8% | -16.6% | -28.6% | 7.7% | 2.4% | 18.6% |
| EBITDA | $74M | $70M | $57M | $50M | $68M | $53M | $39M | $38M | $25M | $10M | $11M | $4M | $5M | $3M | $3M | $2M | ($6M) | ($13M) | $5M | $1M | $10M |
| Earnings Per Share (EPS) | $3.39 | $2.98 | $2.14 | $1.69 | $2.55 | $2.22 | $1.62 | $1.89 | $1.45 | $0.57 | $0.98 | $0.26 | $1.07 | $1.01 | $0.50 | $0.63 | $-2.90 | $-5.03 | $1.51 | $0.50 | $3.31 |
| Shares Outstanding (M) | 17M | 17M | 17M | 17M | 17M | 16M | 15M | 14M | 13M | 9M | 6M | 6M | 2M | 2M | 2M | 2M | 2M | 2M | 2M | 2M | 2M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly income statement | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Total Revenue | $86M | $82M | $84M | $79M | $78M | $75M | $75M | $73M |
| Gross Profit | $54M | $54M | $53M | $47M | $47M | $46M | $45M | $42M |
| Gross Margin % | 63.4% | 65.5% | 63.6% | 59.2% | 59.8% | 61.2% | 59.5% | 56.9% |
| Operating Income (EBIT) | $21M | $17M | $17M | $17M | $14M | $14M | $12M | $11M |
| Operating Margin % | 23.9% | 20.4% | 19.9% | 21.4% | 18.2% | 18.1% | 16.5% | 14.7% |
| Net Income | $16M | $14M | $14M | $14M | $12M | $11M | $10M | $9M |
| Net Margin % | 19.0% | 16.6% | 16.3% | 17.3% | 14.9% | 15.0% | 12.8% | 12.5% |
| EBITDA | $21M | $17M | $17M | $19M | $17M | $16M | $15M | $14M |
| Earnings Per Share (EPS) | $0.96 | $0.81 | $0.81 | $0.81 | $0.69 | $0.67 | $0.57 | $0.54 |
| Shares Outstanding (M) | 17M | 17M | 17M | 17M | 17M | 17M | 17M | 17M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Cash flow | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $74M | $62M | $53M | $40M | $57M | $46M | $29M | $30M | $21M | $1M | $12M | $2M | $2M | $4M | $5M | $2M | $10M | $6M | $3M | $12M | $5M |
| Capital Expenditures (CapEx) | $15M | $2M | $6M | $6M | $12M | $2M | $5M | $6M | $4M | $3M | $7M | $1M | $3M | $0M | $0M | $0M | $1M | $0M | $3M | $1M | $1M |
| Free Cash Flow (FCF) | $58M | $59M | $46M | $33M | $44M | $44M | $24M | $24M | $17M | ($2M) | $5M | $1M | ($1M) | $4M | $4M | $2M | $9M | $6M | $1M | $11M | $4M |
| FCF Margin % | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Dividends Paid | $5M | $5M | $5M | $5M | $5M | $4M | $3M | $1M | $1M | $0M | $1M | $0M | $0M | $1M | $1M | $0M | $0M | $1M | $2M | $1M | $1M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly cash flow | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $24M | $16M | $17M | $17M | $14M | $14M | $17M | $12M |
| Capital Expenditures (CapEx) | $6M | $6M | $3M | $0M | $1M | $1M | $1M | $1M |
| Free Cash Flow (FCF) | $17M | $10M | $14M | $17M | $13M | $13M | $15M | $11M |
| FCF Margin % | — | — | — | — | — | — | — | — |
| Dividends Paid | $2M | $1M | $1M | $1M | $1M | $1M | $1M | $1M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Balance sheet | 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $6.1B | $5.9B | $5.3B | $4.8B | $4.6B | $4.6B | $3.3B | $2.4B | $2.3B | $1.7B | $1.1B | $1.0B | $534M | $432M | $440M | $423M | $441M | $532M | $472M | $444M | $375M |
| Cash & Cash Equivalents | $83M | $464M | $374M | $295M | $266M | $1.0B | $482M | $161M | $116M | $106M | $69M | $74M | $39M | $25M | $59M | $39M | $23M | $38M | $11M | $15M | $18M |
| Total Liabilities | $5.5B | $5.3B | $4.8B | $4.4B | $4.2B | $4.2B | $121M | $2.1B | $2.0B | $1.5B | $957M | $924M | $478M | $392M | $400M | $387M | $416M | $505M | $435M | $408M | $337M |
| Total Debt (Short + Long-Term) | $100M | $102M | $48M | $55M | $72M | $137M | $160M | $71M | $62M | $68M | $45M | $53M | $26M | $23M | $20M | $29M | $24M | $26M | $36M | $42M | $19M |
| Total Shareholders' Equity | $577M | $552M | $491M | $460M | $432M | $429M | $3.2B | $313M | $283M | $206M | $105M | $100M | $56M | $40M | $41M | $35M | $26M | $28M | $37M | $36M | $38M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive SMBK viewer.
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