Saturday 17 October 2026 Export SMBK’s income statement to Excel — free account

SmartFinancial, Inc.

SmartFinancial, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $320.3 million, up 12.3% from fiscal 2024. In the quarter to June 2026, revenue grew 9.67%, EPS grew 38.6%, free cash flow grew 68.1% and total debt rose 112.9%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for ten; insiders bought in the last twelve months.

50.84 0.43 +0.85%

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Market cap: $861.9M
P/E: 14.9×
Fwd P/E: 11.5×
Dividend yield: 0.67%
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.32

Total sells 0.49

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	1	1	—	—	1	2	—	—	—	—
Sell	1	1	—	—	—	1	—	1	—	1	1	—

Insider Ownership 10.07%

Capital & Financial Ratios $m

Market Cap 861.93

Revenue 335.14

Net Income 57.39

Free Cash Flow 67.44

Net Debt (279.98)

Current Ratio 0.93

Debt/Equity 0.17

P/E ratio 14.87

Fwd P/E 11.50

P/S ratio 2.55

P/B ratio 1.48

Past 5Y EPS Growth 12.96%

This Y EPS Growth 23.35%

Next Y EPS Growth 11.97%

Next Y revenue growth (29.23%)

Next 5Y EPS Growth 12.81%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 65.06%

10-year low 10-year high

P/S against its own 10 years 59.68%

10-year low 10-year high

P/B against its own 10 years 98.05%

10-year low 10-year high

Dividends

Payout Ratio 0.10

Annual Dividend Rate 0.34

Annual Dividend Yield 0.67%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	0.34	0.08 0.09 0.09
2025	0.32	0.08 0.08 0.08 0.08
2024	0.32	0.08 0.08 0.08 0.08
2023	0.32	0.08 0.08 0.08 0.08
2022	0.28	0.07 0.07 0.07 0.07
2021	0.24	0.06 0.06 0.06 0.06
2020	0.20	0.05 0.05 0.05 0.05
2019	0.05	0.05
2018	Powerpack
2017	Powerpack

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	352	388	464	379
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	3,766	4,262	4,798	5,027

	2023	2024	2025	Q'26
Payables	4,268	4,686	5,153	5,386
ST’ Debt	—	—	—	—
Other	—	—	—	—
	4,268	4,686	5,153	5,386

Compound Annual Growth %

	10y	5y	3y
Sales	26.72%	19.21%	19.75%
Cash Flow	38.71%	16.25%	2.81%
Earnings	43.19%	15.65%	5.38%
Book Value	18.62%	9.12%	8.51%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	82	86	—	—	—
’25	75	78	83	84	320
’24	68	69	73	75	285
’23	60	59	56	65	240
’22	40	44	49	54	187
’21	35	35	40	40	149
’20	31	33	34	35	133

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	16	24	—	—	—
’25	14	14	17	17	62
’24	7	17	12	17	53
’23	11	10	7	12	40
’22	11	18	13	15	57
’21	16	15	14	1	46
’20	9	(8)	21	7	29

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	10	23	—	—	—
’25	14	14	17	17	62
’24	7	18	13	16	54
’23	10	8	6	10	35
’22	11	11	10	13	46
’21	15	16	16	0	47
’20	7	(9)	20	6	25

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.81	0.96	—	—	—
’25	0.67	0.69	0.81	0.81	2.98
’24	0.55	0.48	0.54	0.57	2.14
’23	0.68	0.52	0.12	0.37	1.69
’22	0.49	0.61	0.68	0.77	2.55
’21	0.65	0.58	0.61	0.40	2.22
’20	0.19	0.41	0.42	0.59	1.62

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	14.21	17.17	16.17	17.15	11.05	17.86	22.63	18.86	19.00	26.31	Analyst estimates 2026–2028 Powerpack
	High	20.58	26.26	27.69	23.99	23.94	28.03	30.50	28.38	37.72	40.08
People
People	Employees	222	343	387	399	475	551	596	585	612	589
	Revenue/emp, $m	0.21	0.17	0.26	0.31	0.28	0.27	0.31	0.41	0.47	0.54
Income, $m
Income, $m	Revenue	47	57	99	124	133	149	187	240	285	320
	Gross margin, %	90.80	90.02	84.24	80.14	87.41	92.06	88.56	63.40	60.12	62.58
	EBT	9	11	21	33	31	44	55	36	45	62
	EBT margin, %	19.60	20.06	21.60	27.02	23.22	29.71	29.43	15.07	15.94	19.20
	Net income	6	5	18	27	24	35	43	29	36	50
	Depreciation	2	(2)	(4)	(1)	3	4	10	13	11	10
Per share, $
Per share, $	Revenue	8.01	6.60	7.95	8.87	8.90	9.58	11.14	14.30	17.01	19.09
	Earnings	0.81	0.59	1.44	1.90	1.63	2.23	2.57	1.70	2.16	3.00
	Cash flow	1.99	0.14	1.68	2.14	1.94	2.97	3.39	2.36	3.14	3.68
	Capex	(0.98)	(0.31)	0.09	(0.35)	(0.28)	0.03	(0.63)	(0.27)	0.08	0.00
	Free cash flow	1.01	(0.17)	1.77	1.79	1.67	2.99	2.77	2.10	3.22	3.68
	Book value	18.02	23.83	22.78	22.41	23.88	27.58	25.83	27.37	29.31	32.93
	Shares, m	6	9	12	14	15	16	17	17	17	17
Valuation, ×
Valuation, ×	P/E	22.63	37.08	12.69	12.45	11.20	12.11	10.66	14.23	14.28	12.29
	P/S	2.32	3.31	2.30	2.67	2.04	2.86	2.46	1.70	1.82	1.94
	P/B	1.03	0.92	0.80	1.06	0.76	0.99	1.06	0.89	1.06	1.12
	EV/Sales	1.24	2.10	1.64	1.75	(0.68)	(3.28)	1.48	0.47	0.63	0.81
	EV/FCF	9.89	(81.03)	7.36	8.68	(3.60)	(10.50)	5.96	3.18	3.32	4.18
Cash, $m
Cash, $m	Operating cash flow	12	1	21	30	29	46	57	40	53	62
	Capex	(6)	(3)	1	(5)	(4)	0	(10)	(4)	1	0
	Free cash flow	6	(1)	22	25	25	47	46	35	54	62
Balance, $m
Balance, $m	Working capital	(62)	(41)	(49)	30	52	(298)	(579)	(502)	(424)	(355)
	Total debt	19	44	50	71	121	130	84	55	48	102
	Net debt	(50)	(69)	(65)	(113)	(361)	(916)	(183)	(297)	(340)	(363)
	Shareholders’ equity	105	206	283	313	357	429	432	460	491	552
Returns, %
Returns, %	ROA	0.46	0.35	0.91	1.12	0.85	0.88	0.93	0.60	0.72	0.90
	ROIC	10.41	6.35	7.21	11.48	0.00	0.00	13.87	13.95	18.73	20.69
	ROE	4.65	3.10	7.41	8.91	7.26	8.85	9.98	6.41	7.60	9.65

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
FCBC First Community Bancshares, Inc.	$911.3M	15.3×	15.0×	+35.47% (above 0%: growing)	+77.61% (above 0%: growing)	+82.80% (above 0%: growing)	92.36%	0.00%	Compare
SBSI Southside Bancshares, Inc.	$909.2M	12.1×	9.8×	+6.52% (above 0%: growing)	+25.00% (above 0%: growing)	+1,301.48% (above 0%: growing)	60.49%	0.00%	Compare
FMNB Farmers National Banc Corp.	$900.6M	10.4×	9.4×	+43.94% (above 0%: growing)	+5.41% (above 0%: growing)	+114.21% (above 0%: growing)	70.09%	0.00%	Compare
THFF First Financial Corporation Indiana	$876.8M	10.4×	9.7×	+12.19% (above 0%: growing)	+21.66% (above 0%: growing)	+44.71% (above 0%: growing)	75.76%	0.00%	Compare
SMBK SmartFinancial, Inc.	$861.9M	14.9×	11.5×	+9.67% (above 0%: growing)	+38.57% (above 0%: growing)	+68.13% (above 0%: growing)	65.11%	0.00%
EGBN Eagle Bancorp, Inc.	$854.2M	— (loss-making)	15.8×	−13.00% (below 0%: shrinking)	n/m	+207.40% (above 0%: growing)	53.23%	0.00%	Compare
GSBC Great Southern Bancorp, Inc.	$846.0M	12.9×	12.9×	−10.48% (below 0%: shrinking)	−16.18% (below 0%: shrinking)	−93.70% (below 0%: shrinking)	71.23%	0.00%	Compare
CCBG Capital City Bank Group	$836.5M	13.6×	12.5×	+1.35% (above 0%: growing)	+7.95% (above 0%: growing)	−75.79% (below 0%: shrinking)	89.45%	0.00%	Compare
ORRF Orrstown Financial Services Inc	$816.1M	9.3×	8.8×	+0.90% (above 0%: growing)	+8.91% (above 0%: growing)	−5.50% (below 0%: shrinking)	70.78%	0.00%	Compare
Median of peers	$865.5M	12.1×	11.1×	+3.93%	+8.91%	+63.76%	71.01%	0.00%

All 323 Banks Regional stocks →

SmartFinancial, Inc. (SMBK) key facts

Strength: SmartFinancial, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $320.3 million, up 12.3% from fiscal 2024.
SmartFinancial, Inc. (SMBK) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
As of October 16, 2026, SMBK traded at $50.84, a market capitalization of $861.9 million.
SmartFinancial, Inc. pays an annual dividend of $0.34 per share, a yield of 0.67%, with a payout ratio of 10.0%.
Return on equity was 9.65% and debt-to-equity 0.17.
Its Piotroski F-score is 7 out of 9 for fiscal 2025.