SMBK
SmartFinancial, Inc.
NASDAQ · Financial Services · Banks - Regional · US
$51.87
+0.06%Income statement
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | |||||
| Total Revenue | 331.2M | 316.4M | 285.3M | 240.4M | 186.5M |
| Cost of Revenue | 122.7M | 123.5M | 118.9M | 91.0M | 25.4M |
| Gross Profit | 208.5M | 192.9M | 166.3M | 149.4M | 161.2M |
| Operating Expenses | |||||
| R&D Expense | — | — | — | — | — |
| SG&A Expense | 98.2M | 94.6M | 76.8M | 70.2M | 67.4M |
| General & Admin Expense | 96.9M | 92.9M | 75.5M | 68.9M | 66.1M |
| Selling & Marketing Expense | 1.2M | 1.6M | 1.3M | 1.3M | 1.3M |
| Other Expenses | 39.4M | 36.8M | 44.1M | 42.9M | 38.9M |
| Total Operating Expenses | 137.5M | 131.4M | 120.9M | 113.2M | 106.3M |
| Cost and Expenses | 260.2M | 254.9M | 239.8M | 204.1M | 131.6M |
| Operating Income (EBIT) | 71.0M | 61.5M | 45.5M | 36.2M | 54.9M |
| Non-Operating | |||||
| Interest Income | 302.5M | 286.0M | 251.1M | 218.0M | 158.8M |
| Interest Expense | 121.0M | 119.9M | 113.8M | 88.0M | 21.3M |
| Net Interest Income | 181.5M | 166.1M | 137.3M | 130.1M | 137.5M |
| Other Non-Op Income/Expense | — | — | — | — | — |
| Non-Operating Income (excl Interest) | — | — | — | — | — |
| EBT (Pre-Tax Income) | 71.0M | 61.5M | 45.5M | 36.2M | 54.9M |
| Income Tax Expense | 13.6M | 11.2M | 9.3M | 7.6M | 11.9M |
| Bottom Line | |||||
| Net Income | 57.4M | 50.3M | 36.1M | 28.6M | 43.0M |
| Earnings from Cont. Ops | 57.4M | 50.3M | 36.1M | 28.6M | 43.0M |
| Earnings from Discont. Ops | — | — | — | — | — |
| Bottom Line Net Income | 57.4M | 50.3M | 36.1M | 28.6M | 43.0M |
| Per Share | |||||
| Basic EPS | $3.42 | $3.01 | $2.16 | $1.70 | $2.57 |
| Diluted EPS | $3.39 | $2.98 | $2.14 | $1.69 | $2.55 |
| Revenue Per Share | $19.69 | $18.84 | $17.01 | $14.29 | $11.14 |
| Shares | |||||
| Basic Shares Outstanding | 16.8M | 16.8M | 16.8M | 16.8M | 16.7M |
| Diluted Shares Outstanding | 17.0M | 16.9M | 16.9M | 16.9M | 16.9M |
| Profitability Metrics | |||||
| EBITDA | 74.4M | 69.9M | 56.9M | 49.7M | 67.6M |
| D&A | 3.4M | 8.4M | 11.4M | 13.5M | 12.6M |
| EBIT | 71.0M | 61.5M | 45.5M | 36.2M | 54.9M |
As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Jun 1, 2026