Smartfinancial Inc.
SMBK- Exchange
- NYSE
- Industry
- National Commercial Banks
- SEC CIK
- 0001038773
In the last 90 days, Smartfinancial Inc. insiders filed 0 open-market purchases and 4 sales; 186 institutions reported holding it in 13F filings for Q2 2026, worth $520.8M in total; no superinvestor holds it.
- Currency
- USD
- Source
- SEC XBRL data (10-K, 10-Q, 20-F, 40-F)
- Updated
- Nov 10, 2026, 1:14 AM ET
Revenue flow, FY2025
Where the revenue went in FY2025, from the income statement below. Green is profit; orange is costs, expenses and taxes. Percentages are shares of revenue; hover over a band or a bar for the exact amount.
Income statement
Each column is one fiscal year, newest first.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Period end | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 |
| Filing | 10-K | 10-K | 10-K | 10-K | 10-K |
| Reported | Jan 20, 2026 | Jan 21, 2025 | Jan 22, 2024 | Jan 23, 2023 | Jan 24, 2022 |
| Revenue | $286.0M | $251.1M | $218.0M | $158.8M | $125.2M |
| Interest expense | – | – | $88.0M | $21.3M | $11.8M |
| Income tax | $11.2M | $9.32M | $7.63M | $11.9M | $9.53M |
| Net income | $50.3M | $36.1M | $28.6M | $43.0M | $34.8M |
| EPS, basic | $3.00 | $2.16 | $1.70 | $2.57 | $2.23 |
| EPS, diluted | $2.98 | $2.14 | $1.69 | $2.55 | $2.22 |
| Weighted shares, basic | 16.8M | 16.8M | 16.8M | 16.7M | 15.6M |
| Weighted shares, diluted | 16.9M | 16.9M | 16.9M | 16.9M | 15.7M |
| Margins and growth | |||||
| Net margin | 17.6% | 14.4% | 13.1% | 27.1% | 27.8% |
| Revenue growth, year over year | +13.9% | +15.2% | +37.3% | +26.8% | +6.5% |
| Net income growth, year over year | +39.3% | +26.4% | −33.5% | +23.7% | +43.0% |
Balance sheet
Each column is one fiscal year, newest first.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Period end | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 |
| Filing | 10-K | 10-K | 10-K | 10-K | 10-K |
| Reported | Jan 20, 2026 | Jan 21, 2025 | Jan 22, 2024 | Jan 23, 2023 | Jan 24, 2022 |
| Cash and equivalents | $464.4M | $387.6M | $352.3M | $266.4M | $1.05B |
| Property, plant and equipment | $88.4M | $91.1M | $93.0M | $92.5M | $86.0M |
| Goodwill | $90.4M | $96.1M | $96.1M | $96.1M | $91.6M |
| Intangible assets | $4.96M | $8.58M | $11.0M | $13.6M | $14.3M |
| Total assets | $5.86B | $5.28B | $4.83B | $4.64B | $4.61B |
| Total liabilities | $5.31B | $4.78B | $4.37B | $4.21B | $4.18B |
| Shareholders' equity | $552.5M | $491.5M | $459.9M | $432.5M | $429.4M |
Cash flow statement
Each column is one fiscal year, newest first. Free cash flow is operating cash flow minus capital expenditures.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Period end | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 |
| Filing | 10-K | 10-K | 10-K | 10-K | 10-K |
| Reported | Jan 20, 2026 | Jan 21, 2025 | Jan 22, 2024 | Jan 23, 2023 | Jan 24, 2022 |
| Operating cash flow | $61.7M | $52.7M | $39.7M | $56.8M | $46.2M |
| Capital expenditures | $2.39M | $6.41M | $6.27M | $12.5M | $2.38M |
| Free cash flow | $59.3M | $46.3M | $33.4M | $44.3M | $43.8M |
| Depreciation and amortization | $5.00M | $5.20M | $5.10M | $4.70M | $4.20M |
| Stock-based compensation | $1.94M | $1.63M | $1.35M | $1.30M | $693.0K |
| Dividends paid | $5.45M | $5.42M | $5.43M | $4.72M | $3.73M |
| Share buybacks | – | $2.97M | – | – | $1.21M |
| Investing cash flow | -$499.0M | -$420.2M | -$135.2M | -$840.8M | -$265.0M |
| Financing cash flow | $514.2M | $402.8M | $181.4M | $5.37M | $782.2M |
| Net change in cash | $76.8M | $35.3M | $85.8M | -$778.7M | $563.4M |
| Ratio | |||||
| Stock-based compensation, % of revenue | 0.7% | 0.6% | 0.6% | 0.8% | 0.6% |
Shares outstanding
Common shares outstanding as stated on the cover of each 10-K and 10-Q. The date is the cover date, not the period end; a rising count means dilution.
| Cover date | Shares outstanding | Change in a year | Filing |
|---|---|---|---|
| Nov 3, 2026 | 17.1M | +0.4% | SEC |
| Aug 3, 2026 | 17.1M | +0.5% | SEC |
| May 8, 2026 | 17.1M | +0.5% | SEC |
| Mar 12, 2026 | 17.1M | +0.5% | SEC |
| Nov 3, 2025 | 17.0M | +0.6% | SEC |
| Aug 1, 2025 | 17.0M | +0.6% | SEC |
| May 9, 2025 | 17.0M | −0.3% | SEC |
| Mar 10, 2025 | 17.0M | −0.2% | SEC |
Notes and known gaps
How these numbers are put together, and what they can't tell you.
- Numbers come from the XBRL data in each period's original 10-K, 10-Q, 20-F or 40-F, or its amendment. They are shown as filed: later filings don't restate earlier periods here.
- Reported is the filing date of the first 8-K with Item 2.02 (results of operations) after the period ended, no later than the 10-Q or 10-K and within 120 days. Companies that release results only in the 10-Q, and foreign companies, which use Form 6-K, have none.
Known gaps
- Foreign companies that file Form 20-F or 40-F have annual statements only: their quarterly results are furnished on Form 6-K, which has no XBRL data.
- EPS and share counts are as reported at the time, not adjusted for later stock splits.
- For ADRs, EPS is per ordinary share, not per ADS (one TSMC ADS is five ordinary shares).
- For banks, revenue may be interest income only, depending on how the bank tags its filings; cost of revenue and gross profit are usually blank.
- Companies with several share classes, such as Berkshire Hathaway, may have no EPS and no cover share count.
- Depreciation and amortization is missing for some companies that report it under their own XBRL tags.