SMBKNYSENational Commercial BanksFiscal year ends December 31

SMARTFINANCIAL INC.

Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 10, 2026

$50.51−0.33 (-0.65%)

Close on Oct 19, 2026

Market cap: $856.74M
P/E (TTM): 14.9
Dividend yield: 0.63%

SMARTFINANCIAL INC. income statement

Annual Quarterly TTM

Millions of USD, except per-share data. Shares in millions.

Line item	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31	FY 2020 2020-12-31	FY 2019 2019-12-31	FY 2018 2018-12-31	FY 2017 2017-12-31	FY 2016 2016-12-31	FY 2015 2015-12-31	FY 2014 2014-12-31	FY 2013 2013-12-31	FY 2012 2012-12-31	FY 2011 2011-12-31	FY 2010 2010-12-31	FY 2009 2009-12-31
Revenue	200	172	152	165	137	116	99	83	51	42	27	20	17	16	15	19	17
Advertising Expenses	1.62	1.32	1.34	1.29	0.83	0.83	0.98	0.87	0.64	0.62	0.45	0.42	0.09	0.09	0.08	0.08	–
Interest Expense	–	–	88	21	12	17	25	16	5.69	4.30	2.76	2.04	3.52	4.78	6.36	9.20	11
Asset Impairment Charges	–	–	–	0	0	0	–	–	–	–	–	–	–	0	0	2.54	0
Gain (Loss) on Sale of Assets	-0.01	1.65	-0.02	0.24	0.48	–	-0.04	-0.04	0	–	–	–	–	–	–	–	–
Pretax Income	62	45	36	55	44	31	33	21	11	9.16	3.15	2.95	2.72	1.98	1.22	-6.24	-14
Income Tax Expense	11	9.32	7.63	12	9.53	6.56	6.90	3.23	6.43	3.36	1.64	1.12	1.04	0.58	0.19	-1.54	-5.34
Net Income incl. Noncontrolling Interests	50	36	29	43	35	24	27	–	–	–	–	–	–	–	–	–	–
Net Income	–	36	29	43	35	24	27	18	5.02	5.80	1.51	1.83	1.68	1.40	1.03	-4.71	-8.18
Preferred Dividends	–	–	–	–	–	–	–	0	0.20	1.00	0.12	0.12	1.50	1.23	0.65	0.03	0
Net Income to Common	50	36	29	43	35	24	27	18	4.82	4.78	1.39	1.71	0.11	0.11	0.34	-4.74	-8.18
EPS (Basic)(per share)	3.00	2.16	1.70	2.57	2.23	1.63	1.90	1.46	0.56	0.82	0.35	0.58	0.05	0.05	0.11	-1.64	-2.84
EPS (Diluted)(per share)	2.98	2.14	1.69	2.55	2.22	1.62	1.89	1.45	0.55	0.78	0.32	0.52	0.05	0.05	0.11	-1.64	-2.84
Shares Outstanding (Basic, Weighted)(shares)	17	17	17	17	16	15	14	12	8.64	5.84	3.99	2.96	2.96	2.91	2.89	2.89	–
Shares Outstanding (Diluted, Weighted)(shares)	17	17	17	17	16	15	14	13	8.79	6.12	4.28	3.29	2.96	2.91	2.89	2.89	–
Dividend per Share(per share)	0.32	0.32	0.32	0.28	0.24	0.20	0.05	–	–	–	–	–	–	–	–	–	–
Net Interest Income	166	137	130	138	113	101	84	77	46	38	25	19	15	15	14	16	15
Non-Interest Income	34	34	22	28	24	15	15	6.58	5.03	4.18	2.24	1.17	1.94	1.02	1.18	3.08	2.33
Provision for Credit Losses	7.75	5.15	3.03	4.02	1.63	8.68	2.60	2.94	0.78	0.79	0.92	0.43	0.30	0.43	0.45	7.29	15
Non-Interest Expense	131	121	113	106	91	77	63	59	39	32	23	16	14	13	14	18	16

Italic numbers are calculated by StockData (for example Q4 = full year − nine months). Per-share data and share counts are adjusted for stock splits. Hover a number for its source; click it to open the filing on SEC.gov. Click a row to chart it.

Ratios

Latest available, balances at Jun 30, 2026

Profitability, TTM

Gross margin: –
Operating margin: –
Net margin: –
Return on equity, FY2025: –

Financial strength

Current ratio: –
Debt to equity: –
Debt to assets: –
Cash to current liabilities: –

Valuation

P/E ratio: 14.9
Price to sales: 4.00
Price to book: 1.49
Dividend yield: 0.63%