# Smartfinancial Inc.: financial statements, quarterly

SMBK · NYSE · CIK 1038773 · [Financials](/sectors/financials.md) · fiscal year ends Dec 31

Pages: [Overview](/companies/smbk.md) · [Financials](/companies/smbk/financials.md) · [Filings](/companies/smbk/filings.md) · [Insiders](/companies/smbk/insiders.md)

Standardized line items from XBRL company facts. Each value links to its filing; d marks a value derived from year-to-date figures. Other view: [annual](/companies/smbk/financials.md?period=annual).

## Income statement

| Line item | Unit | Q3 FY2023 (2023-09-30) | Q4 FY2023 (2023-12-31) | Q1 FY2024 (2024-03-31) | Q2 FY2024 (2024-06-30) | Q3 FY2024 (2024-09-30) | Q4 FY2024 (2024-12-31) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | Q4 FY2025 (2025-12-31) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Interest expense | $m | [24.3](/filings/0001558370-23-018625.md) | [26.0 d](/filings/0001558370-24-003429.md) | [28.1](/filings/0001558370-24-007644.md) | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Income tax | $m | [0.3](/filings/0001558370-24-015345.md) | [1.6 d](/filings/0001104659-26-028542.md) | [2.6](/filings/0001558370-25-007419.md) | [2.3](/filings/0001558370-25-011071.md) | [1.6](/filings/0001104659-25-108550.md) | [2.7 d](/filings/0001104659-26-028542.md) | [2.3](/filings/0001104659-26-058728.md) | [2.6](/filings/0001104659-26-093447.md) | [3.3](/filings/0001104659-25-108550.md) | [3.0 d](/filings/0001104659-26-028542.md) | [3.1](/filings/0001104659-26-058728.md) | [4.2](/filings/0001104659-26-093447.md) |
| Net income | $m | [2.1](/filings/0001558370-24-015345.md) | [6.2 d](/filings/0001558370-25-003135.md) | [9.4](/filings/0001558370-24-007644.md) | [8.0](/filings/0001558370-24-011759.md) | [9.1](/filings/0001558370-24-015345.md) | [9.6 d](/filings/0001558370-25-003135.md) | [11.3](/filings/0001104659-26-058728.md) | [11.7](/filings/0001104659-26-093447.md) | [13.7](/filings/0001104659-25-108550.md) | [13.7 d](/filings/0001104659-26-028542.md) | [13.7](/filings/0001104659-26-058728.md) | [16.3](/filings/0001104659-26-093447.md) |
| Diluted EPS | $ per share | [0.12](/filings/0001558370-24-015345.md) | not reported | [0.55](/filings/0001558370-25-007419.md) | [0.48](/filings/0001558370-25-011071.md) | [0.54](/filings/0001104659-25-108550.md) | not reported | [0.67](/filings/0001104659-26-058728.md) | [0.69](/filings/0001104659-26-093447.md) | [0.81](/filings/0001104659-25-108550.md) | not reported | [0.81](/filings/0001104659-26-058728.md) | [0.96](/filings/0001104659-26-093447.md) |
| Basic EPS | $ per share | [0.12](/filings/0001558370-24-015345.md) | not reported | [0.56](/filings/0001558370-25-007419.md) | [0.48](/filings/0001558370-25-011071.md) | [0.55](/filings/0001104659-25-108550.md) | not reported | [0.67](/filings/0001104659-26-058728.md) | [0.70](/filings/0001104659-26-093447.md) | [0.82](/filings/0001104659-25-108550.md) | not reported | [0.81](/filings/0001104659-26-058728.md) | [0.97](/filings/0001104659-26-093447.md) |

- Interest expense: us-gaap:InterestExpense
- Income tax: us-gaap:IncomeTaxExpenseBenefit
- Net income: us-gaap:NetIncomeLoss, us-gaap:ProfitLoss
- Diluted EPS: us-gaap:EarningsPerShareDiluted
- Basic EPS: us-gaap:EarningsPerShareBasic

## Balance sheet

| Line item | Unit | Q3 FY2023 (2023-09-30) | FY2023 (2023-12-31) | Q1 FY2024 (2024-03-31) | Q2 FY2024 (2024-06-30) | Q3 FY2024 (2024-09-30) | FY2024 (2024-12-31) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | FY2025 (2025-12-31) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Cash and equivalents | $m | [400](/filings/0001558370-23-018625.md) | [352](/filings/0001558370-25-003135.md) | [478](/filings/0001558370-24-007644.md) | [343](/filings/0001558370-24-011759.md) | [193](/filings/0001558370-24-015345.md) | [388](/filings/0001104659-26-028542.md) | [423](/filings/0001558370-25-007419.md) | [365](/filings/0001558370-25-011071.md) | [557](/filings/0001104659-25-108550.md) | [464](/filings/0001104659-26-093447.md) | [346](/filings/0001104659-26-058728.md) | [379](/filings/0001104659-26-093447.md) |
| Total assets | $m | [4,797](/filings/0001558370-23-018625.md) | [4,829](/filings/0001558370-25-003135.md) | [4,955](/filings/0001558370-24-007644.md) | [4,891](/filings/0001558370-24-011759.md) | [4,909](/filings/0001558370-24-015345.md) | [5,276](/filings/0001104659-26-028542.md) | [5,411](/filings/0001558370-25-007419.md) | [5,491](/filings/0001558370-25-011071.md) | [5,785](/filings/0001104659-25-108550.md) | [5,861](/filings/0001104659-26-093447.md) | [5,908](/filings/0001104659-26-058728.md) | [6,115](/filings/0001104659-26-093447.md) |
| Total liabilities | $m | [4,351](/filings/0001558370-23-018625.md) | [4,370](/filings/0001558370-25-003135.md) | [4,488](/filings/0001558370-24-007644.md) | [4,419](/filings/0001558370-24-011759.md) | [4,420](/filings/0001558370-24-015345.md) | [4,784](/filings/0001104659-26-028542.md) | [4,905](/filings/0001558370-25-007419.md) | [4,972](/filings/0001558370-25-011071.md) | [5,247](/filings/0001104659-25-108550.md) | [5,308](/filings/0001104659-26-093447.md) | [5,346](/filings/0001104659-26-058728.md) | [5,538](/filings/0001104659-26-093447.md) |
| Long-term debt | $m | [14.1](/filings/0001558370-23-018625.md) | [13.1](/filings/0001558370-24-015345.md) | [9.8](/filings/0001558370-24-007644.md) | [12.7](/filings/0001558370-24-011759.md) | [9.0](/filings/0001558370-24-015345.md) | [8.1](/filings/0001104659-25-108550.md) | [7.6](/filings/0001558370-25-007419.md) | [7.0](/filings/0001558370-25-011071.md) | [1.3](/filings/0001104659-25-108550.md) | [3.0](/filings/0001104659-26-093447.md) | [3.2](/filings/0001104659-26-058728.md) | [0.6](/filings/0001104659-26-093447.md) |
| Shareholders' equity | $m | [447](/filings/0001558370-24-015345.md) | [460](/filings/0001558370-25-003135.md) | [467](/filings/0001558370-24-011759.md) | [472](/filings/0001558370-24-015345.md) | [489](/filings/0001558370-24-015345.md) | [491](/filings/0001104659-26-028542.md) | [506](/filings/0001558370-25-007419.md) | [519](/filings/0001558370-25-011071.md) | [538](/filings/0001104659-25-108550.md) | [552](/filings/0001104659-26-093447.md) | [562](/filings/0001104659-26-058728.md) | [577](/filings/0001104659-26-093447.md) |

- Cash and equivalents: us-gaap:CashAndCashEquivalentsAtCarryingValue
- Total assets: us-gaap:Assets
- Total liabilities: us-gaap:Liabilities
- Long-term debt: us-gaap:LongTermDebt
- Shareholders' equity: us-gaap:StockholdersEquity

## Cash flow

| Line item | Unit | Q3 FY2023 (2023-09-30) | Q4 FY2023 (2023-12-31) | Q1 FY2024 (2024-03-31) | Q2 FY2024 (2024-06-30) | Q3 FY2024 (2024-09-30) | Q4 FY2024 (2024-12-31) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | Q4 FY2025 (2025-12-31) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Operating cash flow | $m | [6.7 d](/filings/0001558370-24-015345.md) | [11.7 d](/filings/0001104659-26-028542.md) | [7.1](/filings/0001558370-25-007419.md) | [16.5 d](/filings/0001558370-25-011071.md) | [12.4 d](/filings/0001104659-25-108550.md) | [16.7 d](/filings/0001104659-26-028542.md) | [14.3](/filings/0001104659-26-058728.md) | [14.0 d](/filings/0001104659-26-093447.md) | [16.9 d](/filings/0001104659-25-108550.md) | [16.5 d](/filings/0001104659-26-028542.md) | [16.4](/filings/0001104659-26-058728.md) | [23.7 d](/filings/0001104659-26-093447.md) |
| Capital expenditure | $m | [1.0 d](/filings/0001558370-24-015345.md) | [2.3 d](/filings/0001104659-26-028542.md) | [2.9](/filings/0001558370-25-007419.md) | [1.1 d](/filings/0001558370-25-011071.md) | [1.1 d](/filings/0001104659-25-108550.md) | [1.3 d](/filings/0001104659-26-028542.md) | [0.9](/filings/0001104659-26-058728.md) | [0.8 d](/filings/0001104659-26-093447.md) | [0.3 d](/filings/0001104659-25-108550.md) | [0.4 d](/filings/0001104659-26-028542.md) | [6.2](/filings/0001104659-26-058728.md) | [1.2 d](/filings/0001104659-26-093447.md) |
| Dividends paid | $m | [1.4 d](/filings/0001558370-24-015345.md) | [1.4 d](/filings/0001104659-26-028542.md) | [1.4](/filings/0001558370-25-007419.md) | [1.4 d](/filings/0001558370-25-011071.md) | [1.4 d](/filings/0001104659-25-108550.md) | [1.4 d](/filings/0001104659-26-028542.md) | [1.4](/filings/0001104659-26-058728.md) | [1.4 d](/filings/0001104659-26-093447.md) | [1.4 d](/filings/0001104659-25-108550.md) | [1.4 d](/filings/0001104659-26-028542.md) | [1.4](/filings/0001104659-26-058728.md) | [1.5 d](/filings/0001104659-26-093447.md) |
| Share repurchases | $m | not reported | not reported | not reported | not reported | [(0.0) d](/filings/0001104659-25-108550.md) | [0.0 d](/filings/0001104659-26-028542.md) | not reported | not reported | not reported | not reported | not reported | not reported |

- Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities
- Capital expenditure: us-gaap:PaymentsToAcquirePropertyPlantAndEquipment
- Dividends paid: us-gaap:PaymentsOfDividends
- Share repurchases: us-gaap:PaymentsForRepurchaseOfCommonStock

## Shares

| Line item | Unit | Q3 FY2022 (2022-09-30) | Q1 FY2023 (2023-03-31) | Q2 FY2023 (2023-06-30) | Q3 FY2023 (2023-09-30) | Q1 FY2024 (2024-03-31) | Q2 FY2024 (2024-06-30) | Q3 FY2024 (2024-09-30) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Diluted shares (weighted) | millions of shares | [16.9](/filings/0001558370-23-018625.md) | [16.9](/filings/0001558370-24-007644.md) | [16.9](/filings/0001558370-24-011759.md) | [16.9](/filings/0001558370-24-015345.md) | [16.9](/filings/0001558370-25-007419.md) | [16.9](/filings/0001558370-25-011071.md) | [16.8](/filings/0001104659-25-108550.md) | [16.9](/filings/0001104659-26-058728.md) | [16.9](/filings/0001104659-26-093447.md) | [16.9](/filings/0001104659-25-108550.md) | [16.9](/filings/0001104659-26-058728.md) | [17.0](/filings/0001104659-26-093447.md) |

- Diluted shares (weighted): us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

Shares outstanding: 17,098,473 at 2026-08-03, from the cover of the [10-Q filed 2026-08-10](/filings/0001104659-26-093447.md) (dei:EntityCommonStockSharesOutstanding).

Source: SEC EDGAR, XBRL company facts. Last ingested by Listed: Oct 24, 2026, 15:31 ET. No prices; not investment advice.