SMBK
SmartFinancial, Inc.
NASDAQ · USFinancial ServicesBanks - Regional
$47.67-1.00%
Price as of Jul 20, 2026
SMBK financials
SmartFinancial, Inc. financial statements
Annual and quarterly income statement, balance sheet and cash-flow history. On small screens, start with four periods and expand the table when needed.
| Metric | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Income statement | ||||
| Revenue | $316.4M | $285.3M | $240.4M | $186.5M |
| Cost of revenue | $123.5M | $118.9M | $91.0M | $25.4M |
| Gross profit | $192.9M | $166.3M | $149.4M | $161.2M |
| Operating expenses | $131.4M | $120.9M | $113.2M | $106.3M |
| Operating income | $61.5M | $45.5M | $36.2M | $54.9M |
| Net income | $50.3M | $36.1M | $28.6M | $43.0M |
| EBITDA | $69.9M | $56.9M | $49.7M | $67.6M |
| Basic EPS | $3.01 | $2.16 | $1.70 | $2.57 |
| Diluted EPS | $2.98 | $2.14 | $1.69 | $2.55 |
| Balance sheet | ||||
| Cash & equivalents | $464.4M | $373.5M | $294.8M | $251.1M |
| Total assets | $5.9B | $5.3B | $4.8B | $4.6B |
| Total liabilities | $5.3B | $4.8B | $4.4B | $4.2B |
| Stockholders’ equity | $552.4M | $491.3M | $459.9M | $432.5M |
| Total debt | $101.7M | $47.8M | $55.2M | $83.9M |
| Net debt | -$362.7M | -$325.7M | -$239.6M | -$167.2M |
| Cash flow | ||||
| Operating cash flow | $61.7M | $52.7M | $39.7M | $56.8M |
| Capital expenditure | -$2.4M | -$6.4M | -$6.3M | -$12.5M |
| Free cash flow | $59.3M | $46.3M | $33.4M | $44.3M |
| Dividends paid | -$5.5M | -$5.4M | -$5.4M | -$4.7M |
| Share repurchases | $0.00 | -$3.0M | $0.00 | $0.00 |