SmartFinancial, Inc. (SMBK)
NYSE: SMBK · Real-Time Price · USD
42.82
+0.65 (1.54%)
Apr 28, 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 | 2020 - 2016 |
|---|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 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 | 2020 - 2016 |
| Interest Income on Loans | 256.54 | 248.67 | 213.56 | 186.48 | 136.38 | 118.58 | Upgrade
|
| Interest Income on Investments | 37.32 | 37.31 | 37.56 | 31.56 | 22.45 | 6.65 | Upgrade
|
| Total Interest Income | 293.87 | 285.97 | 251.12 | 218.04 | 158.83 | 125.23 | Upgrade
|
| Interest Paid on Deposits | 113.94 | 114.75 | 109.26 | 84.26 | 18.23 | 8.85 | Upgrade
|
| Interest Paid on Borrowings | 6.18 | 5.12 | 4.51 | 3.7 | 3.11 | 2.99 | Upgrade
|
| Total Interest Expense | 120.12 | 119.87 | 113.77 | 87.96 | 21.33 | 11.84 | Upgrade
|
| Net Interest Income | 173.74 | 166.1 | 137.35 | 130.08 | 137.5 | 113.39 | Upgrade
|
| Net Interest Income Growth (YoY) | 20.77% | 20.94% | 5.59% | -5.40% | 21.26% | 12.42% | Upgrade
|
| Mortgage Banking Activities | 2.94 | 2.67 | 1.58 | 1.04 | 1.55 | 4.04 | Upgrade
|
| Gain (Loss) on Sale of Investments | -3.72 | -3.72 | 0.06 | -6.8 | 0.14 | 0.05 | Upgrade
|
| Other Non-Interest Income | 27.2 | 28.24 | 25.65 | 21.58 | 20.17 | 15.21 | Upgrade
|
| Total Non-Interest Income | 33.7 | 34.35 | 34.15 | 22.33 | 27.72 | 23.95 | Upgrade
|
| Non-Interest Income Growth (YoY) | -1.96% | 0.59% | 52.98% | -19.45% | 15.72% | 55.25% | Upgrade
|
| Revenues Before Loan Losses | 207.44 | 200.46 | 171.5 | 152.41 | 165.22 | 137.34 | Upgrade
|
| Provision for Loan Losses | 10.91 | 7.75 | 5.15 | 3.03 | 4.02 | 1.63 | Upgrade
|
| Revenue | 196.53 | 192.71 | 166.35 | 149.38 | 161.2 | 135.71 | Upgrade
|
| Revenue Growth (YoY) | 14.48% | 15.84% | 11.36% | -7.33% | 18.78% | 26.11% | Upgrade
|
| Salaries and Employee Benefits | 77.54 | 76.36 | 70.47 | 64.4 | 62.03 | 50.71 | Upgrade
|
| Occupancy Expenses | 11.72 | 11.77 | 11.63 | 11.65 | 10.3 | 8.88 | Upgrade
|
| Federal Deposit Insurance | 3.79 | 4 | 3.39 | 3.16 | 2.67 | 1.83 | Upgrade
|
| Amortization of Goodwill & Intangibles | 2.04 | 2.15 | 2.43 | 2.62 | 2.61 | 2.26 | Upgrade
|
| Selling, General & Administrative | 20.17 | 20.56 | 19.07 | 17.17 | 15.49 | 12.61 | Upgrade
|
| Other Non-Interest Expense | 11.86 | 11.79 | 11.08 | 11.64 | 10.18 | 9.31 | Upgrade
|
| Total Non-Interest Expense | 130.5 | 129.88 | 120.89 | 113.04 | 105.73 | 87.69 | Upgrade
|
| EBT Excluding Unusual Items | 66.03 | 62.83 | 45.46 | 36.34 | 55.47 | 48.02 | Upgrade
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| Pretax Income | 64.7 | 61.5 | 45.46 | 36.23 | 54.91 | 44.32 | Upgrade
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| Income Tax Expense | 11.93 | 11.15 | 9.32 | 7.63 | 11.89 | 9.53 | Upgrade
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| Net Income | 52.77 | 50.35 | 36.14 | 28.59 | 43.02 | 34.79 | Upgrade
|
| Net Income to Common | 52.77 | 50.35 | 36.14 | 28.59 | 43.02 | 34.79 | Upgrade
|
| Net Income Growth | 38.74% | 39.31% | 26.40% | -33.54% | 23.66% | 42.98% | Upgrade
|
| Basic Shares Outstanding | 17 | 17 | 17 | 17 | 17 | 16 | Upgrade
|
| Diluted Shares Outstanding | 17 | 17 | 17 | 17 | 17 | 16 | Upgrade
|
| Shares Change (YoY) | 0.30% | 0.13% | -0.21% | 0.24% | 7.47% | 4.53% | Upgrade
|
| EPS (Basic) | 3.14 | 3.00 | 2.16 | 1.70 | 2.57 | 2.23 | Upgrade
|
| EPS (Diluted) | 3.12 | 2.98 | 2.14 | 1.69 | 2.55 | 2.22 | Upgrade
|
| EPS Growth | 38.05% | 39.25% | 26.63% | -33.73% | 14.87% | 37.04% | Upgrade
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| Dividend Per Share | 0.320 | 0.320 | 0.320 | 0.320 | 0.280 | 0.240 | Upgrade
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| Dividend Growth | - | - | - | 14.29% | 16.67% | 20.00% | Upgrade
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| Effective Tax Rate | 18.44% | 18.14% | 20.50% | 21.07% | 21.65% | 21.50% | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.