SMBK
Income statement / Annual
Last year (2025), SmartFinancial Inc's total revenue was $316.37 M,
an increase of 10.90% from the previous year.
In 2025, SmartFinancial Inc's net income was $50.35 M.
See SmartFinancial Inc,s key income statements, including revenue, expenses, profit, and income.
| Period |
FY-2025
|
FY-2024
|
FY-2023
|
FY-2022
|
FY-2021
|
FY-2020
|
FY-2019
|
FY-2018
|
FY-2017
|
FY-2016
|
| Period Ended |
12/31/2025 |
12/31/2024 |
12/31/2023 |
12/31/2022 |
12/31/2021 |
12/31/2020 |
12/31/2019 |
12/31/2018 |
12/31/2017 |
12/31/2016 |
| Operating Revenue |
$316.37 M |
$285.27 M |
$240.37 M |
$186.55 M |
$149.18 M |
$133.04 M |
$115.18 M |
$96.74 M |
$55.65 M |
$45.59 M |
| Cost of Revenue |
$123.48 M
|
$118.92 M
|
$90.99 M
|
$25.35 M
|
$13.47 M
|
$25.43 M
|
$27.17 M
|
$18.50 M
|
$6.48 M
|
$5.09 M
|
| Gross Profit |
$192.88 M
|
$166.35 M
|
$149.38 M
|
$161.20 M
|
$135.71 M
|
$107.61 M
|
$88.00 M
|
$78.24 M
|
$49.18 M
|
$40.51 M
|
| Gross Profit Ratio |
0.61
|
0.58
|
0.62
|
0.86
|
0.91
|
0.81
|
0.76
|
0.81
|
0.88
|
0.89
|
| Research and Development Expenses |
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
| General & Administrative Expenses |
$92.94 M
|
$75.49 M
|
$68.91 M
|
$66.09 M
|
$53.49 M
|
$44.10 M
|
$38.77 M
|
$33.32 M
|
$23.08 M
|
$20.21 M
|
| Selling & Marketing Expenses |
$1.62 M
|
$1.32 M
|
$1.34 M
|
$1.29 M
|
$830.00 K
|
$834.00 K
|
$983.00 K
|
$873.00 K
|
$637.60 K
|
$615.75 K
|
| Selling, General & Administrative Expenses |
$94.56 M
|
$76.81 M
|
$70.25 M
|
$67.39 M
|
$54.32 M
|
$44.94 M
|
$39.75 M
|
$34.20 M
|
$23.72 M
|
$20.83 M
|
| Other Expenses |
$36.82 M
|
$44.08 M
|
$42.90 M
|
$38.91 M
|
$37.07 M
|
$31.78 M
|
$14.80 M
|
$22.71 M
|
$14.01 M
|
$10.52 M
|
| Operating Expenses |
$131.38 M
|
$120.89 M
|
$113.15 M
|
$106.29 M
|
$91.39 M
|
$76.72 M
|
$54.56 M
|
$56.90 M
|
$37.73 M
|
$31.35 M
|
| Cost And Expenses |
$254.87 M
|
$239.81 M
|
$204.14 M
|
$131.64 M
|
$104.86 M
|
$102.15 M
|
$81.73 M
|
$75.41 M
|
$44.21 M
|
$36.43 M
|
| Interest Income |
$285.97 M
|
$251.12 M
|
$218.04 M
|
$158.83 M
|
$125.23 M
|
$117.61 M
|
$108.46 M
|
$92.21 M
|
$52.02 M
|
$42.56 M
|
| Interest Expense |
$119.87 M
|
$113.77 M
|
$87.96 M
|
$21.33 M
|
$11.84 M
|
$16.75 M
|
$24.58 M
|
$15.57 M
|
$5.69 M
|
$4.30 M
|
| Depreciation & Amortization |
$8.43 M
|
$11.42 M
|
$13.50 M
|
$12.64 M
|
$9.00 M
|
$7.76 M
|
$4.30 M
|
$3.29 M
|
-$1.69 M
|
$2.19 M
|
| EBITDA |
$69.93 M |
$56.87 M |
$49.72 M |
$67.55 M |
$53.32 M |
$38.65 M |
$37.75 M |
$24.63 M |
$9.75 M |
$11.35 M |
| EBITDA Ratio |
0.22
|
0.2
|
0.21
|
0.36
|
0.36
|
0.29
|
0.33
|
0.25
|
0.18
|
0.25
|
| Operating Income Ratio |
0.19
|
0.16
|
0.15
|
0.29
|
0.3
|
0.23
|
0.29
|
0.22
|
0.21
|
0.2
|
| Total Other Income/Expenses Net |
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
| Income Before Tax |
$61.50 M
|
$45.46 M
|
$36.23 M
|
$54.91 M
|
$44.32 M
|
$30.89 M
|
$33.45 M
|
$21.34 M
|
$11.44 M
|
$9.16 M
|
| Income Before Tax Ratio |
0.19
|
0.16
|
0.15
|
0.29
|
0.3
|
0.23
|
0.29
|
0.22
|
0.21
|
0.2
|
| Income Tax Expense |
$11.15 M
|
$9.32 M
|
$7.63 M
|
$11.89 M
|
$9.53 M
|
$6.56 M
|
$6.90 M
|
$3.23 M
|
$6.43 M
|
$3.36 M
|
| Net Income |
$50.35 M
|
$36.14 M
|
$28.59 M
|
$43.02 M
|
$34.79 M
|
$24.33 M
|
$26.55 M
|
$18.10 M
|
$5.02 M
|
$5.80 M
|
| Net Income Ratio |
0.16
|
0.13
|
0.12
|
0.23
|
0.23
|
0.18
|
0.23
|
0.19
|
0.09
|
0.13
|
| EPS |
3.01 |
2.16 |
1.7 |
2.57 |
2.23 |
1.63 |
1.9 |
1.46 |
0.56 |
0.82 |
| EPS Diluted |
2.98 |
2.14 |
1.69 |
2.55 |
2.22 |
1.62 |
1.89 |
1.43 |
0.56 |
0.78 |
| Weighted Average Shares Out |
$16.79 M
|
$16.77 M
|
$16.82 M
|
$16.74 M
|
$15.57 M
|
$14.96 M
|
$13.95 M
|
$12.42 M
|
$8.63 M
|
$5.90 M
|
| Weighted Average Shares Out Diluted |
$16.92 M
|
$16.88 M
|
$16.92 M
|
$16.87 M
|
$15.70 M
|
$15.02 M
|
$14.05 M
|
$12.52 M
|
$8.75 M
|
$5.90 M
|
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