Stocktoria
SMARTFINANCIAL INC. SMBK
NYSE · stock · National Commercial Banks · website · IPO 2001-06-21
SMARTFINANCIAL INC. financials (annual)
Bars are annual figures from 2016 to 2025; red bars are negative (a loss or cash outflow).
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest expense | — | — | $88.0M | $21.3M | $11.8M | $16.7M | $24.6M | $15.6M | $5.7M | $4.3M |
| Income tax | $11.2M | $9.3M | $7.6M | $11.9M | $9.5M | $6.6M | $6.9M | $3.2M | $6.4M | $3.4M |
| Net income | — | $36.1M | $28.6M | $43.0M | $34.8M | $24.3M | $26.5M | $18.1M | $5.0M | $5.8M |
| EPS (diluted) | $2.98 | $2.14 | $1.69 | $2.55 | $2.22 | $1.62 | $1.89 | $1.45 | $0.55 | $0.39 |
| Operating cash flow | $61.7M | $52.7M | $39.7M | $56.8M | $46.2M | $29.1M | $29.9M | $20.8M | $6.6M | $11.6M |
| Free cash flow | $59.3M | $46.3M | $33.4M | $44.3M | $43.8M | $23.6M | $23.6M | $17.0M | $3.8M | $4.6M |
| Cash & equivalents | $464.4M | $387.6M | $352.3M | $266.4M | $1.0B | $481.7M | $184.0M | $115.8M | $113.0M | $68.7M |
| Total assets | $5.9B | $5.3B | $4.8B | $4.6B | $4.6B | $3.3B | $2.4B | $2.3B | $1.7B | $1.1B |
| Total liabilities | $5.3B | $4.8B | $4.4B | $4.2B | $4.2B | $2.9B | $2.1B | $2.0B | $1.5B | $957.2M |
| Shareholders' equity | $552.5M | $491.5M | $459.9M | $432.5M | $429.4M | $357.2M | $312.7M | $283.0M | $205.9M | $105.2M |
Growth · year-over-year
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income growth | — | +26.4% | -33.5% | +23.7% | +43.0% | -8.3% | +46.7% | +261.0% | -13.5% | +284.1% |
| EPS growth | +39.3% | +26.6% | -33.7% | +14.9% | +37.0% | -14.3% | +30.3% | +163.6% | +41.0% | +143.8% |
| Free cash flow growth | +28.2% | +38.4% | -24.5% | +1.1% | +85.4% | +0.1% | +39.0% | +341.7% | -16.4% | +264.9% |
Each column is the change versus the prior fiscal year. Growth off a negative or zero base is shown as “—”. CAGR is the compound annual revenue growth across the years shown.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.