SmartFinancial, Inc.

Financial Services · Banks - Regional

50.30$ +0.8% vs. previous close Closing price · As of: Sep 24, 2026

Statements

Income Statement

SmartFinancial, Inc. (SMBK) by the numbers: income statement, balance sheet and cash flow, by year or by quarter. In the most recent period (Q2 26), "Revenue" came in at 86 million USD. Tick rows to compare them in a chart.

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Amounts Change % Common size % Per share

Last 12 Full history

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All figures in millions of USD.

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Income Statement SMBK
Line item	Q3 16	Q4 16	Q1 17	Q2 17	Q3 17	Q4 17	Q1 18	Q2 18	Q3 18	Q4 18	Q1 19	Q2 19	Q3 19	Q4 19	Q1 20	Q2 20	Q3 20	Q4 20	Q1 21	Q2 21	Q3 21	Q4 21	Q1 22	Q2 22	Q3 22	Q4 22	Q1 23	Q2 23	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26	LTM
Revenue	12	12	12	12	13	18	20	24	24	28	28	29	29	29	31	33	34	34	35	35	40	40	40	44	49	54	60	59	56	65	68	69	73	75	75	78	79	84	82	86	331
Cost of Revenue	1.4	1.3	1.1	1.6	1.4	2.3	3.3	4.1	4.5	6.7	6.7	6.9	6.9	6.6	8.6	7.0	6.4	3.3	3.1	3.0	4.1	3.3	3.8	4.5	6.6	10	18	21	25	28	28	29	31	30	29	32	32	31	28	31	123
Gross Profit	10	10	10	11	12	16	17	20	20	22	21	22	22	23	22	26	28	31	32	32	36	36	36	39	42	44	42	39	31	38	41	40	42	45	46	47	47	53	54	54	209
Research & Development	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–
Selling, General & Administrative	4.9	5.1	5.1	5.3	5.6	7.0	7.8	8.6	8.5	8.5	9.2	9.7	9.1	11	11	12	13	12	13	14	16	17	17	18	17	12	17	17	18	17	18	18	19	21	20	21	21	32	20	24	97
Total Operating Expenses	7.8	7.7	7.9	8.5	9.2	12	13	15	14	16	15	9.8	14	16	19	19	19	19	19	21	23	28	26	26	27	27	28	27	29	30	29	29	31	32	32	33	30	37	37	34	138
Operating Income	2.6	2.6	2.6	2.4	2.6	3.9	4.4	5.2	5.6	6.1	6.3	12	7.9	7.2	3.4	7.6	8.4	12	12	11	12	8.4	11	13	15	17	15	11	2.4	7.8	12	10	11	12	14	14	17	17	17	21	71
Interest Expense	1.1	1.1	1.1	1.3	1.4	1.9	2.6	3.5	4.2	5.3	5.9	6.5	6.2	5.9	5.4	4.2	3.8	3.3	3.0	3.0	2.9	2.9	2.8	3.2	5.6	9.7	17	21	24	26	28	28	29	28	28	29	32	31	28	30	121
Pre-Tax Income	2.6	2.6	2.6	2.4	2.6	3.9	4.4	5.2	5.6	6.1	6.3	12	7.9	7.2	3.4	7.6	8.4	12	12	11	12	8.4	11	13	15	17	15	11	2.4	7.8	12	10	11	12	14	14	17	17	17	21	71
Income Tax Expense	0.9	1.0	0.9	0.7	0.9	3.9	0.9	1.3	1.3	-0.3	1.6	2.9	1.9	0.5	0.7	1.4	2.0	2.5	2.7	2.5	2.6	1.8	2.2	2.9	3.2	3.5	3.3	2.3	0.3	1.6	2.6	2.3	1.6	2.7	2.3	2.6	3.3	3.0	3.1	4.2	14
Net Income	1.6	1.6	1.6	1.6	1.7	0.0	3.4	3.9	4.3	6.4	4.7	9.1	6.0	6.7	2.7	6.2	6.4	9.0	9.8	8.8	9.6	6.7	8.3	10	12	13	12	8.8	2.1	6.2	9.4	8.0	9.1	9.6	11	12	14	14	14	16	57
EBITDA	3.1	3.2	3.1	3.0	3.2	4.6	3.7	7.8	6.7	-0.5	7.5	13	9.1	8.2	5.0	8.8	10	13	14	13	14	10	14	16	18	22	18	15	5.9	11	15	13	14	15	16	17	19	17	17	21	74

LTM = last twelve months (sum of the four most recent quarters).

Showing the most recent 40 periods — older statements are on file for this stock.

Data as of: September 24, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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Income Statement

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