SMBK

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SmartFinancial, Inc.

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Key Metrics

Previous Close: $50.65
52-Week Range: $33.01 – $54.14
Market Cap: $871.17M
P/E (TTM): 15.03
EPS (TTM): 3.39
Dividend Yield: 0.67%

Advanced Metrics

Price/Book: 1.51
PEG Ratio: —
Return on Equity: 10.47%
Return on Assets: 0.99%
Gross Margin: 0.00%
Operating Margin: 41.68%
Profit Margin: 28.11%
Current Ratio: —
Debt/Equity: —
Total Debt: $120.81M
Free Cash Flow: —
Revenue Growth: 16.40%
Earnings Growth: 39.10%
Enterprise Value: $597.24M

SMBK Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$165.22M	$152.41M	$171.50M	$196.50M
Selling, General & Admin	$67.39M	$70.25M	$76.81M	$83.92M
Pretax Income	$54.91M	$36.23M	$45.46M	$61.50M
Income Tax	$11.89M	$7.63M	$9.32M	$11.15M
Net Income	$43.02M	$28.59M	$36.14M	$50.35M
Diluted EPS	2.55	1.69	2.14	2.98
Diluted Shares	16.87M	16.91M	16.88M	16.90M

SMBK Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$251.11M	$294.82M	$373.51M	$451.59M
Receivables	$66.13M	$68.11M	$63.96M	$53.25M
Total Assets	$4.64B	$4.83B	$5.28B	$5.86B
Long-Term Debt	$66.61M	$42.10M	$39.68M	$98.66M
Total Debt	$79.11M	$50.10M	$43.68M	$98.66M
Total Liabilities	$4.21B	$4.37B	$4.78B	$5.31B
Retained Earnings	$156.54M	$173.10M	$203.82M	$248.72M
Shareholders' Equity	$432.45M	$459.89M	$491.35M	$552.38M

SMBK Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$56.79M	$39.72M	$52.70M	$61.72M
Capital Expenditure	-$12.49M	-$6.27M	-$6.41M	-$2.39M
Free Cash Flow	$44.31M	$33.45M	$46.30M	$59.34M
Depreciation & Amortisation	$12.64M	$13.50M	$11.41M	$9.74M
Stock-Based Compensation	$1.30M	$1.35M	$1.63M	$1.94M
Investing Cash Flow	-$840.82M	-$135.24M	-$420.22M	-$499.05M
Financing Cash Flow	$5.37M	$181.37M	$402.82M	$514.17M
Dividends Paid	-$4.72M	-$5.43M	-$5.42M	-$5.45M
Share Repurchases	$0.00	$0.00	-$2.97M	$0.00
Net Change in Cash	-$778.65M	$85.85M	$35.30M	$76.85M

SMBK Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$49.24M	$47.11M	$53.31M	$53.82M	—
Selling, General & Admin	$20.98M	$21.02M	$21.34M	$21.55M	—
Pretax Income	$14.26M	$16.97M	$16.71M	$16.76M	—
Income Tax	$2.56M	$3.29M	$3.01M	$3.08M	—
Net Income	$11.71M	$13.69M	$13.70M	$13.68M	—
Diluted EPS	0.69	0.81	0.81	0.81	0.96
Diluted Shares	16.88M	16.91M	16.92M	16.94M	16.96M

SMBK Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$411.18M	$347.57M	$523.08M	$451.59M	$339.13M
Receivables	$63.37M	$61.63M	$58.97M	$53.25M	$52.83M
Total Assets	$5.41B	$5.49B	$5.78B	$5.86B	$5.91B
Long-Term Debt	$39.70M	$39.73M	$138.60M	$98.66M	$98.73M
Total Debt	$43.70M	$43.73M	$138.60M	$98.66M	$98.73M
Total Liabilities	$4.91B	$4.97B	$5.25B	$5.31B	$5.35B
Retained Earnings	$213.72M	$224.06M	$236.38M	$248.72M	$261.03M
Shareholders' Equity	$505.83M	$519.01M	$538.37M	$552.38M	$562.05M

SMBK Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$14.29M	$14.02M	$16.89M	$16.53M	$16.36M
Capital Expenditure	-$929.00K	-$778.00K	-$328.00K	-$354.00K	-$6.20M
Free Cash Flow	$13.36M	$13.24M	$16.56M	$16.18M	$10.16M
Depreciation & Amortisation	$2.74M	$2.71M	$2.50M	$1.79M	$1.75M
Stock-Based Compensation	$761.00K	$473.00K	$478.00K	$227.00K	$714.00K
Investing Cash Flow	-$98.98M	-$133.37M	-$95.25M	-$171.45M	-$176.65M
Financing Cash Flow	$120.11M	$61.46M	$270.40M	$62.21M	$41.94M
Dividends Paid	-$1.36M	-$1.36M	-$1.37M	-$1.36M	-$1.37M
Share Repurchases	—	—	$0.00	$0.00	—
Net Change in Cash	$35.41M	-$57.89M	$192.03M	-$92.71M	-$118.35M

Market Snapshot

About

SmartFinancial, Inc. is a bank holding company operating through its subsidiary SmartBank, serving communities in Tennessee, Alabama, and Florida. The company provides commercial and consumer banking products including loans, deposits, and treasury management services. SmartFinancial focuses on relationship-based banking for small and medium-sized businesses.