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SmartFinancial, Inc. (SMBK)
Financial Services · Banks - Regional · NYSE
SmartFinancial, Inc. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $165.22M | $152.41M | $171.50M | $196.50M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $5.80M | $5.02M | $18.10M | $26.55M | $24.33M | $34.79M | $43.02M | $28.59M | $36.14M | $50.35M |
| Net margin | — | — | — | — | — | — | 26.0% | 18.8% | 21.1% | 25.6% |
Source: SmartFinancial, Inc. SEC filings (10-K). 17 years of history available in the interactive view.
What growth is priced into SMBK stock?
At today's market cap of $756.44M, SmartFinancial, Inc. is priced for free-cash-flow growth of about 1.5% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $59.34M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 20.2%/yr over the last five fiscal years, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 17 years of SmartFinancial, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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SmartFinancial, Inc. financial history by metric
About SmartFinancial, Inc.
SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers in the United States. The company offers various deposits, including noninterest-bearing and interest-bearing checking, savings, money market, and individual retirement accounts, as well as certificates of deposit. It also provides commercial and residential real estate, consumer real estate, construction and land development, commercial and industrial, and consumer and other loans, as well as leases to small and mid-size companies for equipment financing leases. In addition, the company offers wealth management, insurance, mortgage origination, and internet and mobile banking services. It operates in Tennessee, Alabama, and Florida. SmartFinancial, Inc. is based in Knoxville, Tennessee.
SmartFinancial, Inc. — frequently asked questions
What is SmartFinancial, Inc.'s revenue?
SmartFinancial, Inc. (SMBK) reported revenue of $196.50M for fiscal year 2025, up 14.6% from the prior year, according to its SEC filings.
Is SmartFinancial, Inc. profitable?
Yes. SMBK earned net income of $50.35M in fiscal 2025, a net margin of 25.6%.
What is SMBK's P/E ratio?
SmartFinancial, Inc. trades at a price-to-earnings ratio of about 14.2 based on the latest data in our nightly-refreshed cache.
How much debt does SmartFinancial, Inc. have?
As of fiscal year 2025, SMBK carried roughly $98.66M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is SmartFinancial, Inc.'s market cap?
SmartFinancial, Inc. (SMBK) has a market capitalization of about $756.44M, based on the latest data in our nightly-refreshed cache.
When does SmartFinancial, Inc.'s fiscal year end?
SMBK's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into SMBK stock?
At today's market cap of $756.44M, SmartFinancial, Inc. is priced for free-cash-flow growth of about 1.5% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $59.34M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 20.2%/yr over the last five fiscal years, computed from its SEC filings.
Where does this data come from?
All figures are computed from SmartFinancial, Inc.'s official SEC filings (10-K and 10-Q), covering 17 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.