Smartfinancial Inc.
SMBK NYSE· National Commercial Banks
Last close · Oct 23, 2026
$49.34
KIRA · Stoqly’s AI analyst, in plain words
- Smartfinancial Inc. had $200M of revenue in fiscal 2025, up 16.9% on the year before. Over five years, revenue changed +11.5% a year on average.
- Smartfinancial Inc. made $50.3M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 16.1% a year.
- Smartfinancial Inc. returned $5.5M to shareholders in fiscal 2025, 9% of free cash flow. The diluted share count rose 0.1%.
- It earned 9.6% on shareholders’ money. Running costs took 65.5% of revenue (the efficiency ratio; lower is better).
Market cap
$837M
P/E
14.6x
Revenue
$200M
Net income
$50.3M
Return on equity
9.6%
Efficiency ratio
65.5%
Smartfinancial Inc. in 30 seconds · fiscal 2025
Are sales growing?
+16.9%
Yes. Sales grew 16.9% last year.
Does it make a profit?
25.1%
Yes. It keeps 25.1% of every sale as profit.
How lean are its costs?
65.5%
Costly. Running costs take 65.5% of revenue.
How much does it earn on its capital?
9.6%
Fair. It earns 9.6% a year on shareholders’ money.
How is the share priced?
14.6x
One share costs 14.6 times its yearly profit per share.
What Smartfinancial Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 16, 2026
- Legal name
- SMARTFINANCIAL INC.
- CIK
- 0001038773
Smartfinancial Inc. · SMBK
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $137M | $165M | $152M | $172M | $200M |
| Revenue growth | 18.1% | 20.3% | −7.8% | 12.5% | 16.9% |
| Net interest income | $113M | $138M | $130M | $137M | $166M |
| Net income | $34.8M | $43.0M | $28.6M | $36.1M | $50.3M |
| Net margin | 25.3% | 26.0% | 18.8% | 21.1% | 25.1% |
| Diluted EPS | $2.22 | $2.55 | $1.69 | $2.14 | $2.98 |
| Cash | |||||
| Cash from operations | $46.2M | $56.8M | $39.7M | $52.7M | $61.7M |
| Capital expenditure | $2.4M | $12.5M | $6.3M | $6.4M | $2.4M |
| Free cash flow | $43.8M | $44.3M | $33.4M | $46.3M | $59.3M |
| FCF margin | 31.9% | 26.8% | 21.9% | 27.0% | 29.6% |
| Dividends paid | $3.7M | $4.7M | $5.4M | $5.4M | $5.5M |
| Share buybacks | $1.2M | — | — | $3.0M | — |
| Share count change | 4.5% | 7.5% | 0.2% | −0.2% | 0.1% |
| Debt and strength | |||||
| Cash and short-term investments | $1.0B | $266M | $352M | $388M | $464M |
| Debt incl. finance leases | $87.6M | $41.9M | $13.1M | $8.1M | $3.0M |
| Loans, net | $2.7B | $3.2B | $3.4B | $3.9B | $4.3B |
| Deposits | $4.0B | $4.1B | $4.3B | $4.7B | $5.2B |
| Shareholders' equity | $429M | $432M | $460M | $491M | $552M |
| Returns and quality | |||||
| Return on equity | 8.8% | 10.0% | 6.4% | 7.6% | 9.6% |
| Return on tangible equity | 10.8% | 13.3% | 8.1% | 9.3% | 11.0% |
| Efficiency ratio | 66.5% | 64.3% | 74.2% | 70.5% | 65.5% |
| Piotroski F-score | 5 | 6 | 4 | 7 | 6 |
Insiders bought, 12 months
$0.3M
4 insiders
Insiders sold, 12 months
$0.5M
2 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Smartfinancial Inc. · SMBK
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $49.34 a share, the company is worth $837M: 14.6 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001038773). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.