Stocks › SMBK
SmartFinancial SMBK
US equityMarket cap rank #3356
$47.73 −$0.22 (-0.46%)
Market closed · Nov 7, 10:00 pm ET · Last extended-hours $47.73 0.00%
Open$47.87
Prev close$47.95
Day range$47.41 – $48.55
Volume86.0K
Market cap$815.98M
P/E (TTM)13.0
Dividend yield0.71%
Fundamentals
Latest reported quarter: Q3, ended Sep 2026
Revenue$57.53M+22.1% YoY
Net profit$18.63M+36.1% YoY
Diluted EPS$1.10+35.8% YoY
Free cash flow$22.47M+69.6% YoY
Operating cash flow$23.66M
Revenue, last 8 quarters
Net profit, last 8 quarters
Diluted EPS by quarter
Free cash flow by quarter
Annual revenue
Profitability & balance sheet
Net margin28.3%
Return on equity11.1%
Return on assets1.0%
Liabilities / assets90.8%
Cash & investments$364.88M
Total debt$99.22M
Net cash (debt)$265.65M
Income statement
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Operating Revenue | $57.53M | $55.95M | $53.82M | $196.50M | $53.31M |
| Net Interest Income | $49.40M | $48.06M | $45.88M | $166.10M | $45.09M |
| -Interest Income | $82.04M | $78.04M | $74.27M | $285.97M | $75.62M |
| -Interest Expense | $32.64M | $29.98M | $28.39M | $119.87M | $30.53M |
| Non-Interest Income | $8.13M | $7.89M | $7.94M | $30.40M | $8.22M |
| -Fees and Commissions | $6.52M | $6.20M | $5.83M | $25.71M | $5.72M |
| -Other Non-Interest Income | $1.61M | $1.64M | $2.11M | $8.41M | $2.50M |
| -Gain Loss on Sale of Assets | $0.00 | $54,000.00 | $1,000.00 | -$3.72M | $0.00 |
| Credit Losses Provision | -$687,000.00 | -$1.46M | -$4.14M | -$7.75M | -$4.13M |
| Non-Interest Expense | $36.36M | $33.96M | $32.92M | $129.88M | $32.45M |
| Occupancy and Equipment | $3.51M | $3.35M | $3.34M | $13.69M | $3.39M |
| Professional Expense and Contract Services Expense | $1.54M | $1.37M | $1.19M | $4.78M | $1.13M |
| Selling and Admin Expenses | $23.03M | $22.34M | $21.55M | $83.92M | $21.34M |
| -Selling & Marketing Expense | $504,000.00 | $408,000.00 | $387,000.00 | $1.62M | $393,000.00 |
| -General & Admin Expense | $22.52M | $21.94M | $21.16M | $82.30M | $20.94M |
| Depreciation & Amortization & Depletion | $450,000.00 | $454,000.00 | $457,000.00 | $2.15M | $479,000.00 |
| -Depreciation & Amortization | $450,000.00 | $454,000.00 | $457,000.00 | $2.15M | $479,000.00 |
| Other Non-Interest Expenses | $7.83M | $6.44M | $6.37M | $25.35M | $6.12M |
| Special Income (Charges) | $0.00 | – | – | $2.63M | -$16,000.00 |
| -Less:Restructuring and Mergern & Acquisition | $0.00 | – | – | $1.33M | $16,000.00 |
| -Gain on Sale of Business | $0.00 | – | – | $3.96M | $0.00 |
| Pretax Profit | $20.49M | $20.53M | $16.76M | $61.50M | $16.71M |
| Tax | $1.86M | $4.21M | $3.08M | $11.15M | $3.01M |
| Net Profit | $18.63M | $16.32M | $13.68M | $50.35M | $13.70M |
| Profit from Continuing Operations | $18.63M | $16.32M | $13.68M | $50.35M | $13.70M |
| Net Income to Parent Company | $18.63M | $16.32M | $13.68M | $50.35M | $13.70M |
| Net Income to Common Stockholders | $18.63M | $16.32M | $13.68M | $50.35M | $13.70M |
| Basic EPS | $1.11 | $0.97 | $0.81 | $3.00 | $0.82 |
| Diluted EPS | $1.10 | $0.96 | $0.81 | $2.98 | $0.81 |
| Dividend Per Share | $0.09 | $0.09 | $0.08 | $0.32 | $0.08 |
| Other Income (Expense) | – | – | – | $2.63M | -$16,000.00 |
Balance sheet
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Assets | $6.32B | $6.12B | $5.91B | $5.86B | $5.86B |
| Cash, Cash Equivalents & Federal Funds Sold | $364.88M | $379.39M | $346.07M | $464.42M | $464.42M |
| -Cash and Cash Equivalents | $364.88M | $373.67M | $339.13M | $451.59M | $451.59M |
| Securities Investment | $698.47M | $679.91M | $673.05M | $662.00M | $662.00M |
| -Available for Sale Securities | $22.46M | $106.63M | $107.01M | $103.77M | $103.77M |
| -Held to Maturity Securities | $118.62M | $119.85M | $120.97M | $122.12M | $122.12M |
| -Short Term Investments | $557.39M | $453.44M | $445.07M | $436.11M | $436.11M |
| Net Loan | $4.77B | $4.60B | $4.43B | $4.28B | $4.28B |
| -Gross Loan | $4.82B | $4.64B | $4.47B | $4.32B | $4.32B |
| -Allowance for Loans and Lease Losses | $45.65M | $43.63M | $42.49M | $38.73M | $38.73M |
| Receivables | $49.18M | $50.79M | $52.83M | $53.25M | $53.25M |
| -Other Receivables | $49.18M | $50.79M | $52.83M | $53.25M | $53.25M |
| Net PPE | $94.21M | $93.31M | $93.36M | $88.39M | $88.39M |
| Goodwill and Other Intangible Assets | $93.97M | $94.42M | $94.87M | $95.33M | $95.33M |
| Bank-Owned Life Insurance | $122.30M | $121.35M | $120.44M | $119.53M | $119.53M |
| Foreclosed Assets | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Other Assets | $125.72M | $82.08M | $81.58M | $81.17M | $81.17M |
| Total Liabilities | $5.74B | $5.54B | $5.35B | $5.31B | $5.31B |
| Total Deposits | $5.58B | $5.39B | $5.20B | $5.15B | $5.15B |
| Long Term Debt and Capital Lease Obligation | $99.22M | $98.81M | $98.73M | $98.66M | $98.66M |
| -Long Term Debt | $99.22M | $98.81M | $98.73M | $98.66M | $98.66M |
| Other Liabilities | $64.11M | $53.42M | $47.38M | $53.86M | $53.86M |
| Total Equity | $581.26M | $576.92M | $562.16M | $552.49M | $552.49M |
| Stockholders' Equity | $581.14M | $576.81M | $562.05M | $552.38M | $552.38M |
| Capital Stock | $17.10M | $17.10M | $17.10M | $17.03M | $17.03M |
| -Common Stock | $17.10M | $17.10M | $17.10M | $17.03M | $17.03M |
| Additional Paid-In Capital | $297.37M | $296.84M | $296.28M | $295.95M | $295.95M |
| Retained Earnings | $292.90M | $275.81M | $261.03M | $248.72M | $248.72M |
| Gains/Losses Not Affecting Retained Earnings | -$26.22M | -$12.94M | -$12.37M | -$9.32M | -$9.32M |
| Minority Interests | $113,000.00 | $113,000.00 | $113,000.00 | $113,000.00 | $113,000.00 |
| -Money Market Investments | – | $5.72M | $6.95M | $12.83M | $12.83M |
| -Goodwill | – | $90.40M | $90.40M | $90.40M | $90.40M |
| -Other Intangible Assets | – | $4.02M | $4.47M | $4.93M | $4.93M |
| Federal Home Loan Bank Stock | – | $17.53M | $16.60M | $16.44M | $16.44M |
| Federal Funds Purchased and Securities Sold Under Agreement to Repurchase | – | $603,000.00 | $3.18M | $3.01M | $3.01M |
| -Preferred Stock | – | $0.00 | $0.00 | $0.00 | $0.00 |
| Short-Term Debt and Capital Lease Obligation | – | – | $0.00 | $0.00 | $0.00 |
| -Current Debt | – | – | $0.00 | $0.00 | $0.00 |
| -Gross PPE | – | – | – | $123.89M | $123.89M |
| -Accumulated Depreciation | – | – | – | -$35.50M | -$35.50M |
Cash flow
| Line item | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| Operating Cash Flow | $23.66M | $16.36M | $61.72M | $16.53M | $16.89M |
| Net cash flow from continuing operations | $23.66M | $16.36M | $61.72M | $16.53M | $16.89M |
| Net Income from Continuing Operations | $16.32M | $13.68M | $50.35M | $13.70M | $13.69M |
| Gain/Loss from Continuing Operations | $307,000.00 | -$1,000.00 | -$222,000.00 | $0.00 | -$489,000.00 |
| Depreciation & Depletion & Amortization | $1.76M | $1.75M | $9.74M | $1.79M | $2.50M |
| Deferred Tax | -$684,000.00 | $565,000.00 | -$470,000.00 | -$324,000.00 | -$212,000.00 |
| Other Non-Cash Items | -$3.42M | $2.83M | -$7.85M | -$1.80M | -$4.78M |
| Change in Working Capital | $7.36M | -$7.32M | $485,000.00 | -$1.20M | $5.48M |
| -Change in Receivables | $467,000.00 | -$292,000.00 | -$1.45M | -$604,000.00 | -$259,000.00 |
| -Change in Payables and Accrued Expense | $2.32M | -$2.89M | $3.43M | $1.05M | $1.45M |
| -Change in Other Current Assets | $220,000.00 | -$1.07M | $4.11M | $2.83M | $4.34M |
| -Change in Other Current Liabilities | $4.35M | -$3.07M | -$5.60M | -$4.47M | -$52,000.00 |
| Net cash flow from investing | -$175.55M | -$176.65M | -$499.05M | -$171.45M | -$95.25M |
| Net Cash Flow from Continuing Investing Activities | -$175.55M | -$176.65M | -$499.05M | -$171.45M | -$95.25M |
| Net PPE Purchase and Sale | -$1.16M | -$6.20M | -$2.27M | -$354,000.00 | -$272,000.00 |
| Net Investment Purchase and Sale | -$7.61M | -$15.54M | -$39.58M | -$24.56M | -$3.47M |
| Net Income from Loans | -$165.86M | -$155.02M | -$464.34M | -$144.48M | -$100.17M |
| Net Other Investing Changes | -$922,000.00 | $115,000.00 | -$4.07M | -$2.15M | -$2.45M |
| Financing Cash Flow | $185.20M | $41.94M | $514.17M | $62.21M | $270.40M |
| Net Cash Flow from Continuing Financing Activities | $185.20M | $41.94M | $514.17M | $62.21M | $270.40M |
| Change in Federal Funds and Securities Sold for Repurchase | -$2.58M | $169,000.00 | -$1.13M | $1.71M | -$1.66M |
| Increase/Decrease in Deposit | $189.32M | $43.45M | $466.34M | $101.90M | $178.78M |
| Net Common Stock Issuance | $0.00 | $0.00 | $153,000.00 | -$1,000.00 | $91,000.00 |
| Cash Dividends Paid | -$1.54M | -$1.37M | -$5.45M | -$1.36M | -$1.37M |
| Net Other Financing Activities | $0.00 | -$311,000.00 | -$308,000.00 | -$17,000.00 | -$26,000.00 |
| Ending Cash Balance | $379.39M | $346.07M | $464.42M | $464.42M | $557.13M |
| Net Change in Cash | $33.32M | -$118.35M | $76.85M | -$92.71M | $192.03M |
| Beginning Cash Balance | $346.07M | $464.42M | $387.57M | $557.13M | $365.10M |
| Free Cash Flow | $22.47M | $10.16M | $59.34M | $16.18M | $16.56M |
| Net Business Purchase and Sale | – | – | $11.20M | $93,000.00 | – |
| Net Issuance Payments of Debt | – | – | $54.57M | -$40.01M | $94.58M |
| Net Preferred Stock Issuance | – | – | $0.00 | – | – |
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