What is SmartFinancial, Inc.'s earnings per share (EPS)?

SmartFinancial, Inc. (SMBK) reported diluted earnings per share of $2.98 for fiscal year 2025. This represents a 39.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

SmartFinancial, Inc. (SMBK) Financials

SMBK

Trailing 12 months to June 30, 2026

Revenue $214.1M +14.5% YoY

Net Income $57.4M +37.5% YoY

EPS (Diluted) $3.39 +37.2% YoY

Free Cash Flow $65.4M +22.6% YoY

Market Cap $850.8M as of Oct 14, 2026

Price / Sales 4.0x on $214.1M revenue, trailing 12 months to June 30, 2026

Price / Earnings 14.8x on $57.4M net income, trailing 12 months to June 30, 2026

Price / Book 1.5x on $576.8M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 14, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 10, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 10, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the SMBK SEC filings page.

SmartFinancial, Inc. (SMBK) reported $214.1M in revenue over the twelve months to Jun 30, 2026, up 14.5% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI SMBK FY2025 2026-10-04

SmartFinancial operates as an asset-heavy financial intermediary, where modest asset returns and expanding funding support recovering earnings.

The earnings rebound from FY2023 to FY2025 coincided with return on assets rising from 0.6% to 0.9% and return on equity from 6.2% to 9.1%, indicating improved profitability reached both the asset base and shareholders. In FY2025, operating cash flow of $61.7M remained close to free cash flow of $59.3M, so reported earnings were converting into cash without heavy reinvestment consuming the difference.

By FY2025, total assets had reached $5.9B while liabilities stood at $5.3B, showing a balance sheet funded predominantly by obligations rather than equity. Debt-to-equity fell from 0.2x in FY2021 to near-zero by FY2025, suggesting that this funding structure is not primarily long-term corporate borrowing.

Net income recovered from $28.6M in FY2023 to $50.3M in FY2025, while the net profit margin moved back to 25.1%. The combination of improving returns and positive cash conversion points to a cyclical earnings setback rather than a deterioration in the underlying ability to produce cash.

Financial Health Signals

Financial Health Score 48/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of SmartFinancial, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

SmartFinancial, Inc. earned a return on assets of 0.9% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.7% the prior year. Earnings ranks banks on that return over three years, and SmartFinancial, Inc. scores 39/100 among other banks.

Growth

SmartFinancial, Inc. reported revenue of $200.5M in fiscal year 2025, against $171.5M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and SmartFinancial, Inc. scores 72/100 among other banks.

Capital

SmartFinancial, Inc. funded 9.4% of its assets with shareholders' equity at the end of fiscal year 2025, holding $552.4M of equity against $5.9B of assets. Capital ranks banks on that cushion, and SmartFinancial, Inc. scores 23/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. SmartFinancial, Inc. scores 34/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. SmartFinancial, Inc. scores 57/100 on it among other banks.

Stability

SmartFinancial, Inc. reported net income of $50.3M in fiscal year 2025, against $36.1M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and SmartFinancial, Inc. scores 61/100 among other banks.

Piotroski F-Score Partial

6/7

SmartFinancial, Inc. passes 6 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.23x

For every $1 of reported earnings, SmartFinancial, Inc. generates $1.23 in operating cash flow ($61.7M OCF vs $50.3M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$56.0M

YoY+13.6%

QoQ+4.0%

5Y CAGR+11.8%

10Y CAGR+18.1%

SmartFinancial, Inc. generated $56.0M in revenue in Q2 2026. This represents an increase of 13.6% from the same quarter a year earlier. Against the prior quarter it is up 4.0%.

Net Income

$16.3M

YoY+39.4%

QoQ+19.3%

5Y CAGR+13.2%

10Y CAGR+29.9%

SmartFinancial, Inc. reported $16.3M in net income in Q2 2026. This represents an increase of 39.4% from the same quarter a year earlier. Against the prior quarter it is up 19.3%.

EPS (Diluted)

$0.96

YoY+39.1%

QoQ+18.5%

5Y CAGR+10.6%

10Y CAGR+20.4%

SmartFinancial, Inc. earned $0.96 per diluted share (EPS) in Q2 2026. This represents an increase of 39.1% from the same quarter a year earlier. Against the prior quarter it is up 18.5%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$22.5M

YoY+69.6%

QoQ+121.2%

5Y CAGR+9.2%

10Y CAGR+17.1%

SmartFinancial, Inc. generated $22.5M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 69.6% from the same quarter a year earlier. Against the prior quarter it is up 121.2%.

Cash & Debt

$379.4M

YoY+3.9%

QoQ+9.6%

5Y CAGR-10.8%

10Y CAGR+18.1%

SmartFinancial, Inc. held $379.4M in cash against $603K in long-term debt as of Q2 2026.

Dividends Per Share

$0.09

YoY+12.5%

QoQ+12.5%

5Y CAGR+8.4%

SmartFinancial, Inc. paid $0.09 per share in dividends in Q2 2026. This represents an increase of 12.5% from the same quarter a year earlier. Against the prior quarter it is up 12.5%.

Shares Outstanding

17M

YoY+0.5%

QoQ0.0%

5Y CAGR+2.5%

10Y CAGR+11.3%

SmartFinancial, Inc. had 17M shares outstanding in Q2 2026. This represents an increase of 0.5% from the same quarter a year earlier. It is unchanged from the prior quarter.

Margins & Returns

Net Margin

29.2%

YoY+5.4pp

QoQ+3.8pp

5Y change+1.8pp

10Y change+17.9pp

SmartFinancial, Inc.'s net profit margin was 29.2% in Q2 2026, showing the share of revenue converted to profit. This is up 5.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 3.8 percentage points.

Return on Equity

2.8%

YoY+0.6pp

QoQ+0.4pp

5Y change+0.5pp

10Y change+1.7pp

SmartFinancial, Inc.'s ROE was 2.8% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.4 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$1.2M

YoY+53.9%

QoQ-80.7%

5Y CAGR+13.9%

10Y CAGR+9.5%

SmartFinancial, Inc. invested $1.2M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 53.9% from the same quarter a year earlier. Against the prior quarter it is down 80.7%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

SMBK Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

SMBK quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$214.1M	$200.5M+16.9%	$171.5M+12.5%	$152.4M-7.8%	$165.2M+20.3%	$137.3M+18.1%	$116.3M+17.2%	$99.2M+19.2%	$83.2M+62.1%	$51.4M+21.0%	$42.4M+55.8%	$27.2M+37.4%	$19.8M+17.5%	$16.9M+8.2%	$15.6M+1.8%	$15.3M
SG&A Expenses	$80.9M	$78.3M+8.6%	$72.1M+9.7%	$65.7M+3.7%	$63.4M+22.8%	$51.7M+20.4%	$42.9M+17.1%	$36.6M+19.6%	$30.6M+47.7%	$20.7M+17.1%	$17.7M+49.7%	$11.8M+29.4%	$9.1M+39.4%	$6.6M+3.6%	$6.3M+3.4%	$6.1M
Interest Expense	$121.0M	$119.9M+5.4%	$113.8M+29.3%	$88.0M+312.3%	$21.3M+80.2%	$11.8M-29.3%	$16.7M-31.9%	$24.6M+57.9%	$15.6M+173.4%	$5.7M+32.4%	$4.3M+55.9%	$2.8M+35.4%	$2.0M-42.2%	$3.5M-26.4%	$4.8M-24.8%	$6.4M
Income Tax	$13.6M	$11.2M+19.7%	$9.3M+22.1%	$7.6M-35.8%	$11.9M+24.7%	$9.5M+45.3%	$6.6M-4.9%	$6.9M+113.3%	$3.2M-49.7%	$6.4M+91.2%	$3.4M+104.9%	$1.6M+46.8%	$1.1M+7.2%	$1.0M+80.5%	$578K+206.9%	$188K
Net Income	$57.4M	$50.3M+39.3%	$36.1M+26.4%	$28.6M-33.5%	$43.0M+23.7%	$34.8M+43.0%	$24.3M-8.3%	$26.5M+46.7%	$18.1M+261.0%	$5.0M-13.5%	$5.8M+284.1%	$1.5M-17.6%	$1.8M+9.0%	$1.7M+19.9%	$1.4M+36.1%	$1.0M
EPS (Basic)	N/A	$3.00+38.9%	$2.16+27.1%	$1.70-33.9%	$2.57+15.2%	$2.23+36.8%	$1.63-14.2%	$1.90+30.1%	$1.46+160.7%	$0.56-31.7%	$0.82+134.3%	$0.35-39.7%	$0.58+2800.0%	$0.020.0%	$0.02-60.0%	$0.05
EPS (Diluted)	$3.39	$2.98+39.3%	$2.14+26.6%	$1.69-33.7%	$2.55+14.9%	$2.22+37.0%	$1.62-14.3%	$1.89+30.3%	$1.45+163.6%	$0.55-29.5%	$0.78	$0.32-38.5%	$0.52	$0.020.0%	$0.02	$0.05
Diluted Shares (Avg)	N/A	17M+0.1%	17M-0.2%	17M+0.2%	17M+7.5%	16M+4.5%	15M+6.9%	14M+12.2%	13M+42.4%	9M+43.7%	6M	4M+30.0%	3M	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$56.0M+13.6%	$53.8M+14.9%	$53.3M+13.9%	$51.1M+15.6%	$49.2M+21.8%	$46.8M+16.8%	$46.8M+19.7%	$44.2M+39.4%
SG&A Expenses	$21.0M+7.2%	$20.4M+6.1%	$19.9M+0.8%	$19.5M+5.9%	$19.6M+13.6%	$19.2M+15.6%	$19.8M+21.4%	$18.4M+9.9%
Interest Expense	$30.0M+3.0%	$28.4M+0.9%	$30.5M+7.8%	$32.1M+10.9%	$29.1M+2.2%	$28.1M+0.3%	$28.3M+9.0%	$28.9M+19.2%
Income Tax	$4.2M+64.7%	$3.1M+33.7%	$3.0M+9.5%	$3.3M+104.0%	$2.6M+9.7%	$2.3M-12.3%	$2.7M+67.5%	$1.6M+404.7%
Net Income	$16.3M+39.4%	$13.7M+21.6%	$13.7M+42.1%	$13.7M+49.7%	$11.7M+46.3%	$11.3M+20.3%	$9.6M+55.7%	$9.1M+342.2%
EPS (Basic)	$0.97+38.6%	$0.81+20.9%	$0.82+41.4%	$0.82+49.1%	$0.70+45.8%	$0.67+19.6%	$0.58+56.8%	$0.55+358.3%
EPS (Diluted)	$0.96+39.1%	$0.81+20.9%	$0.81+42.1%	$0.81+50.0%	$0.69+43.7%	$0.67+21.8%	$0.57+58.3%	$0.54+350.0%
Diluted Shares (Avg)	17M+0.5%	17M+0.4%	N/A	17M+0.4%	17M+0.2%	17M-0.3%	N/A	17M-0.5%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

SMBK Balance Sheet

SMBK quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$5.9B+11.1%	$5.3B+9.2%	$4.8B+4.1%	$4.6B+0.6%	$4.6B+39.5%	$3.3B+34.9%	$2.4B+7.7%	$2.3B+32.2%	$1.7B+62.0%	$1.1B+3.8%	$1.0B+91.8%	$533.8M+23.5%	$432.2M-2.5%	$443.4M+4.9%	$422.7M
Cash & Equivalents	$464.4M+19.8%	$387.6M+10.0%	$352.3M+32.2%	$266.4M-74.5%	$1.0B+116.9%	$481.7M+161.8%	$184.0M+58.8%	$115.8M+2.5%	$113.0M+64.4%	$68.7M-14.0%	$80.0M+71.1%	$46.7M-41.2%	$79.4M+33.7%	$59.4M+52.8%	$38.9M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$90.4M-6.0%	$96.1M0.0%	$96.1M0.0%	$96.1M+5.0%	$91.6M+23.5%	$74.1M+13.0%	$65.6M-0.7%	$66.1M	N/A	N/A	$4.2M	$0	N/A	N/A	N/A
Total Liabilities	$5.3B+10.9%	$4.8B+9.5%	$4.4B+3.9%	$4.2B+0.5%	$4.2B+41.9%	$2.9B+38.0%	$2.1B+7.3%	$2.0B+31.5%	$1.5B+58.3%	$957.2M+3.6%	$923.8M+93.3%	$477.9M+21.9%	$392.1M-2.6%	$402.6M+3.9%	$387.4M
Long-Term Debt	$3.0M-63.0%	$8.1M-38.2%	$13.1M-68.7%	$41.9M-52.2%	$87.6M+7.9%	$81.2M+157.0%	$31.6M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$552.4M+12.4%	$491.3M+6.8%	$459.9M+6.3%	$432.5M+0.7%	$429.4M+20.2%	$357.2M+14.2%	$312.7M+10.5%	$283.0M+37.5%	$205.9M+95.6%	$105.2M+5.1%	$100.2M+79.2%	$55.9M+5.8%	$52.8M+29.2%	$40.9M+16.1%	$35.2M
Retained Earnings	$248.7M+22.0%	$203.8M+17.7%	$173.1M+10.6%	$156.5M+32.4%	$118.2M+35.6%	$87.2M+32.4%	$65.8M+64.6%	$40.0M+82.7%	$21.9M+29.7%	$16.9M+39.5%	$12.1M+13.0%	$10.7M+445.4%	-$3.1M+5.4%	-$3.3M+9.7%	-$3.6M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$6.1B+11.4%	$5.9B+9.2%	$5.9B+11.1%	$5.8B+17.8%	$5.5B+12.3%	$5.4B+9.2%	$5.3B+9.2%	$4.9B+2.3%
Cash & Equivalents	$379.4M+3.9%	$346.1M-18.2%	$464.4M+19.8%	$557.1M+188.8%	$365.1M+6.5%	$423.0M-11.5%	$387.6M+10.0%	$192.9M-51.8%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$90.4M-5.9%	$90.4M-5.9%	$90.4M-6.0%	$90.4M-6.0%	$96.1M0.0%	$96.1M0.0%	$96.1M0.0%	$96.1M0.0%
Total Liabilities	$5.5B+11.4%	$5.3B+9.0%	$5.3B+10.9%	$5.2B+18.7%	$5.0B+12.5%	$4.9B+9.3%	$4.8B+9.5%	$4.4B+1.6%
Long-Term Debt	$603K-91.4%	$3.2M-57.9%	$3.0M-63.0%	$1.3M-85.6%	$7.0M-44.9%	$7.6M-22.4%	$8.1M-38.2%	$9.0M-36.2%
Total Equity	$576.8M+11.1%	$562.0M+11.1%	$552.4M+12.4%	$538.4M+10.1%	$519.0M+9.9%	$505.8M+8.4%	$491.3M+6.8%	$489.0M+9.5%
Retained Earnings	$275.8M+23.1%	$261.0M+22.1%	$248.7M+22.0%	$236.4M+20.9%	$224.1M+19.3%	$213.7M+18.0%	$203.8M+17.7%	$195.5M+16.2%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

SMBK Cash Flow Statement

SMBK quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$73.4M	$61.7M+17.1%	$52.7M+32.7%	$39.7M-30.1%	$56.8M+23.0%	$46.2M+58.9%	$29.1M-2.7%	$29.9M+43.4%	$20.8M+1579.2%	$1.2M-89.3%	$11.6M+395.0%	$2.3M+38.7%	$1.7M-61.8%	$4.4M-9.9%	$4.9M+80.2%	$2.7M
Depreciation & Amortization	N/A	$5.0M-3.8%	$5.2M+2.0%	$5.1M+8.5%	$4.7M+11.9%	$4.2M+13.5%	$3.7M+32.1%	$2.8M+7.7%	$2.6M+253.7%	-$1.7M-177.3%	$2.2M+101.6%	$1.1M-35.2%	$1.7M+230.6%	$507K-4.2%	$529K+3.7%	$510K
Stock-Based Compensation	N/A	$1.9M+19.0%	$1.6M+20.8%	$1.3M+3.8%	$1.3M+87.6%	$693K+43.8%	$482K-6.8%	$517K+30.2%	$397K+157.3%	$154K+16.3%	$133K-5.3%	$140K+857.9%	$15K-88.7%	$129K+74.3%	$74K-6.4%	$79K
Capital Expenditures	$8.1M	$2.4M-62.7%	$6.4M+2.2%	$6.3M-49.8%	$12.5M+425.3%	$2.4M-56.3%	$5.4M-13.2%	$6.3M+63.0%	$3.8M+37.4%	$2.8M-60.0%	$7.0M+546.6%	$1.1M-62.1%	$2.9M+19909.9%	$14K-91.1%	$160K+29.5%	$124K
Free Cash Flow	$65.4M	$59.3M+28.2%	$46.3M+38.4%	$33.4M-24.5%	$44.3M+1.1%	$43.8M+85.4%	$23.6M+0.1%	$23.6M+39.0%	$17.0M+1189.1%	-$1.6M-133.9%	$4.6M+264.9%	$1.3M+208.2%	-$1.2M-126.4%	$4.4M-7.1%	$4.7M+82.6%	$2.6M
Investing Cash Flow	-$618.9M	-$499.0M-18.8%	-$420.2M-210.7%	-$135.2M+83.9%	-$840.8M-217.3%	-$265.0M-2.2%	-$259.3M-173.6%	-$94.8M+0.1%	-$94.9M-87.0%	-$50.7M	N/A	N/A	N/A	N/A	-$3.4M-110.0%	$34.4M
Financing Cash Flow	$559.7M	$514.2M+27.6%	$402.8M+122.1%	$181.4M+3276.2%	$5.4M-99.3%	$782.2M+48.1%	$528.0M+296.8%	$133.1M+73.2%	$76.8M-18.1%	$93.8M	N/A	N/A	N/A	N/A	$19.0M+189.9%	-$21.2M
Dividends Paid	$5.6M	$5.5M+0.6%	$5.4M-0.1%	$5.4M+14.9%	$4.7M+26.7%	$3.7M+24.8%	$3.0M+326.6%	$700K	$0	$0-100.0%	$3.0M+500.0%	$500K	N/A	N/A	-$986K-224.9%	-$303K
Share Buybacks	N/A	N/A	$3.0M	N/A	N/A	$1.2M-72.0%	$4.3M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$23.7M+68.8%	$16.4M+14.5%	$16.5M-0.9%	$16.9M+36.2%	$14.0M-15.2%	$14.3M+101.9%	$16.7M+42.5%	$12.4M+85.6%
Depreciation & Amortization	$1.3M-39.1%	$1.3M-40.2%	-$1.3M+24.9%	$2.0M-12.1%	$2.1M-2.8%	$2.2M-11.9%	-$1.7M+48.0%	$2.2M-22.2%
Stock-Based Compensation	N/A	$714K-6.2%	N/A	N/A	N/A	$761K+46.9%	N/A	N/A
Capital Expenditures	$1.2M+53.9%	$6.2M+567.8%	$354K-73.4%	$328K-68.9%	$778K-29.5%	$929K-68.1%	$1.3M-40.9%	$1.1M+10.2%
Free Cash Flow	$22.5M+69.6%	$10.2M-24.0%	$16.2M+5.4%	$16.6M+46.0%	$13.2M-14.2%	$13.4M+221.0%	$15.4M+62.4%	$11.3M+98.2%
Investing Cash Flow	-$175.5M-31.6%	-$176.6M-78.5%	-$171.4M+6.8%	-$95.3M+40.7%	-$133.4M-83.3%	-$99.0M-3181.8%	-$183.9M-133.9%	-$160.5M-286.9%
Financing Cash Flow	$185.2M+201.3%	$41.9M-65.1%	$62.2M-82.8%	$270.4M+15239.9%	$61.5M+177.9%	$120.1M-1.2%	$361.9M+1809.8%	-$1.8M-102.6%
Dividends Paid	$1.5M+12.9%	$1.4M+0.7%	$1.4M+0.7%	$1.4M+0.9%	$1.4M+0.8%	$1.4M-0.2%	$1.4M-0.1%	$1.4M-86.5%
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	$0	-$1K

SMBK Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

SMBK quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	25.1%+4.0pp	21.1%+2.3pp	18.8%-7.3pp	26.0%+0.7pp	25.3%+4.4pp	20.9%-5.8pp	26.8%+5.0pp	21.8%+12.0pp	9.8%-3.9pp	13.7%+8.1pp	5.5%-3.7pp	9.2%-0.7pp	10.0%+1.0pp	9.0%+2.3pp	6.7%
Return on Equity	9.1%+1.8pp	7.4%+1.1pp	6.2%-3.7pp	10.0%+1.9pp	8.1%+1.3pp	6.8%-1.7pp	8.5%+2.1pp	6.4%+4.0pp	2.4%-3.1pp	5.5%+4.0pp	1.5%-1.8pp	3.3%+0.1pp	3.2%-0.2pp	3.4%+0.5pp	2.9%
Return on Assets	0.9%+0.2pp	0.7%+0.1pp	0.6%-0.3pp	0.9%+0.2pp	0.8%0.0pp	0.7%-0.3pp	1.1%+0.3pp	0.8%+0.5pp	0.3%-0.3pp	0.5%+0.4pp	0.1%-0.2pp	0.3%-0.1pp	0.4%+0.1pp	0.3%+0.1pp	0.2%
Debt-to-Equity	0.010.0x	0.020.0x	0.03-0.1x	0.10-0.1x	0.200.0x	0.23+0.1x	0.10-6.9x	7.04-0.3x	7.36-1.7x	9.10-0.1x	9.22+0.7x	8.55+1.1x	7.42-2.4x	9.85-1.2x	11.00
Asset Turnover	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.030.0x	0.040.0x	0.030.0x	0.040.0x	0.040.0x	0.040.0x	0.04
FCF Margin	29.6%+2.6pp	27.0%+5.0pp	21.9%-4.9pp	26.8%-5.1pp	31.9%+11.6pp	20.3%-3.5pp	23.8%+3.4pp	20.4%+23.4pp	-3.0%-13.9pp	10.8%+6.2pp	4.6%+10.5pp	-5.9%-32.0pp	26.1%-4.3pp	30.4%+13.5pp	17.0%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	29.2%+5.4pp	25.4%+1.4pp	25.7%+5.1pp	26.8%+6.1pp	23.8%+4.0pp	24.0%+0.7pp	20.6%+4.8pp	20.7%+14.2pp
Return on Equity	2.8%+0.6pp	2.4%+0.2pp	2.5%+0.5pp	2.5%+0.7pp	2.3%+0.6pp	2.2%+0.2pp	2.0%+0.6pp	1.9%+1.4pp
Return on Assets	0.3%+0.1pp	0.2%0.0pp	0.2%+0.1pp	0.2%0.0pp	0.2%0.0pp	0.2%0.0pp	0.2%+0.1pp	0.2%+0.1pp
Debt-to-Equity	0.000.0x	0.010.0x	0.010.0x	0.000.0x	0.010.0x	0.010.0x	0.020.0x	0.020.0x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	40.2%+13.3pp	18.9%-9.7pp	30.3%-2.5pp	32.4%+6.7pp	26.9%-11.3pp	28.5%+18.1pp	32.8%+8.6pp	25.7%+7.6pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
SmartFinancial, Inc. SMBK	FY2025	$200.5M	$50.3M	25.1%	$850.8M	48/100
Southern Missouri Bancorp SMBC	FY2026	$200.6M	$71.8M	35.8%	$764.5M	55/100
Mid Penn Bancorp, Inc. MPB	FY2025	$225.9M	$56.2M	24.9%	$909.0M	63/100
NB Bancorp, Inc. NBBK	FY2025	$213.7M	$50.3M	23.5%	$973.6M	55/100
Great Southern Bancorp Inc GSBC	FY2025	$229.3M	$71.0M	30.9%	$838.3M	65/100
First Community Bankshares, Inc. (VA) FCBC	FY2025	$167.5M	$12.0M	7.2%	$906.0M	38/100

Where SmartFinancial, Inc. Ranks

Frequently Asked Questions

What is SmartFinancial, Inc.'s annual revenue?

SmartFinancial, Inc. (SMBK) reported $200.5M in total revenue for fiscal year 2025. This represents a 16.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is SmartFinancial, Inc.'s revenue growing?

SmartFinancial, Inc. (SMBK) revenue grew by 16.9% year-over-year, from $171.5M to $200.5M in fiscal year 2025.

Is SmartFinancial, Inc. profitable?

Yes, SmartFinancial, Inc. (SMBK) reported a net income of $50.3M in fiscal year 2025, with a net profit margin of 25.1%.

How much debt does SmartFinancial, Inc. have?

As of fiscal year 2025, SmartFinancial, Inc. (SMBK) had $464.4M in cash and equivalents against $3.0M in long-term debt.

What is SmartFinancial, Inc.'s net profit margin?

SmartFinancial, Inc. (SMBK) had a net profit margin of 25.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does SmartFinancial, Inc. pay dividends?

Yes, SmartFinancial, Inc. (SMBK) paid $0.32 per share in dividends during fiscal year 2025.

What is SmartFinancial, Inc.'s return on equity (ROE)?

SmartFinancial, Inc. (SMBK) has a return on equity of 9.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is SmartFinancial, Inc.'s free cash flow?

SmartFinancial, Inc. (SMBK) generated $59.3M in free cash flow during fiscal year 2025. This represents a 28.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is SmartFinancial, Inc.'s operating cash flow?

SmartFinancial, Inc. (SMBK) generated $61.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are SmartFinancial, Inc.'s total assets?

SmartFinancial, Inc. (SMBK) had $5.9B in total assets as of fiscal year 2025, including both current and long-term assets.

What are SmartFinancial, Inc.'s capital expenditures?

SmartFinancial, Inc. (SMBK) invested $2.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does SmartFinancial, Inc. have outstanding?

SmartFinancial, Inc. (SMBK) had 17M shares outstanding as of fiscal year 2025.

What is SmartFinancial, Inc.'s debt-to-equity ratio?

SmartFinancial, Inc. (SMBK) had a debt-to-equity ratio of 0.01 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is SmartFinancial, Inc.'s return on assets (ROA)?

SmartFinancial, Inc. (SMBK) had a return on assets of 0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is SmartFinancial, Inc.'s P/E ratio?

SmartFinancial, Inc. (SMBK) trades at 14.8x earnings, its market capitalization divided by net income of $57.4M net income, trailing 12 months to June 30, 2026. The market capitalization is $850.8M as of Oct 14, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is SmartFinancial, Inc.'s price-to-sales ratio?

SmartFinancial, Inc. (SMBK) trades at 4.0x sales, its market capitalization divided by revenue of $214.1M revenue, trailing 12 months to June 30, 2026. The market capitalization is $850.8M as of Oct 14, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is SmartFinancial, Inc.'s Piotroski F-Score?

SmartFinancial, Inc. (SMBK) has a Piotroski F-Score of 6 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are SmartFinancial, Inc.'s earnings high quality?

SmartFinancial, Inc. (SMBK) has an earnings quality ratio of 1.23x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is SmartFinancial, Inc.?

SmartFinancial, Inc. (SMBK) scores 48 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.