SmartFinancial, Inc.

NASDAQ:SMBK

34.92 (USD) • At close August 12, 2025
Overview | Financials

Numbers are in millions (except for per share data and ratios) USD.

2025 Q22025 Q12024 Q42024 Q32024 Q22024 Q12023 Q42023 Q32023 Q22023 Q12022 Q42022 Q32022 Q22022 Q12021 Q42021 Q32021 Q22021 Q12020 Q42020 Q32020 Q22020 Q12019 Q42019 Q32019 Q22019 Q12018 Q42018 Q32018 Q22018 Q12017 Q42017 Q32017 Q22017 Q12016 Q42016 Q32016 Q22016 Q12015 Q42015 Q32015 Q22015 Q12014 Q42014 Q32014 Q22014 Q12013 Q42013 Q32013 Q22013 Q12012 Q42012 Q32012 Q22012 Q12011 Q42011 Q32011 Q22011 Q12010 Q42010 Q32010 Q22010 Q12009 Q42009 Q32009 Q22009 Q12008 Q42008 Q32008 Q22008 Q12007 Q42007 Q32007 Q22007 Q12006 Q42006 Q32006 Q22006 Q12005 Q42005 Q32005 Q22005 Q12004 Q42004 Q32004 Q22004 Q12003 Q42003 Q32003 Q22003 Q12002 Q42002 Q32002 Q22002 Q12001 Q42001 Q3
Assets:
Current Assets:
Cash & Cash Equivalents 0411.182373.513190.407279.712392.107294.823360.602236.288240.324251.114474.669589.745726.4681,007.5771,049.756603.4489.387415.306475.509315.316233.256160.534170.934119.871132.994115.822130.104168.23594.606106.06365.782.83555.54868.74858.58771.73763.82873.76574.70133.36625.44639.02615.87519.04121.91724.85221.25528.70135.90159.39534.83236.87934.88538.88332.93429.90441.43122.98253.22143.69155.06838.20273.28834.30734.91210.8729.90913.03912.05214.93313.65218.83811.36917.63610.68911.7357.94214.5921.31719.1927.8856.95.6775.5284.9717.0714.4266.6014.6174,928.086,659.4433,750.0573,721.086,225.0385,750.786
Short Term Investments 0499.445311.219501.336500.821474.347408.41385.131540.308560.418483.893519.723524.864540.483482.453339.343250.817250.937215.634214.634219.631201.002178.348171.507174.114198.273201.688173.039156.577156.21151.945115.535132.762137.133129.422138.628142.875157.561166.413152.1574.48185.09398.87678.2583.31588.80192.20995.28299.77791.12676.09700086.0570000000000000000000000000000000000021,174.9819,888.99920,670.29620,426.934015,648.234
Cash and Short Term Investments 0910.627684.732691.743780.533866.454703.233745.733779.206800.742735.007994.3921,114.6091,266.9511,490.031,389.099854.217740.324630.94690.143534.947434.258338.882340.917293.985331.267317.51303.143324.812250.816258.007181.235215.597192.68198.17197.215214.612221.388240.178226.85107.847110.539137.90394.124102.355110.718117.06116.537128.478127.027135.49234.83236.87934.885124.9432.93429.90441.43122.98253.22143.69155.06838.20273.28834.30734.91210.8729.90913.03912.05214.93313.65218.83811.36917.63610.68911.7357.94214.5921.31719.1927.8856.95.6775.5284.9717.0714.4266.6014.6174,928.086,659.4433,750.0573,721.086,225.0385,750.786
Net Receivables 063.36663.95966.00769.62971.25268.11268.53866.40167.70166.13464.79863.26459.89253.37853.39653.03800000000000000000000002.2271.0721.1251.1431.181.0831.2710.9781.2221.1531.3231.2141.3511.2471.3341.3271.3371.2981.4311.3261.4561.6621.9811.5211.7121.4141.8711.7711.8861.7962.0762.4082.4342.2642.2412.1212.0831.7981.6861.7391.521.3091.2141.1841.0040.9730.8550.9390.8660.8140.792679.598779.317738.797786.6510751.967
Inventory 000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
Other Current Assets 000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
Total Current Assets 0973.993748.691757.75850.162937.706771.345813.627845.607867.352801.1411,059.191,177.8731,326.8431,543.4081,442.495907.255740.324630.94690.143534.947434.258338.882340.917293.985331.267317.51303.143324.812250.816258.007181.235215.597192.68198.17197.215214.612221.388240.178229.077108.919111.664139.04695.304103.438111.989118.038117.759129.631128.351136.70636.18338.12636.219126.26834.27231.20242.86124.30854.67745.35357.04939.7237535.72136.78212.64311.79514.83514.12817.34116.08621.10213.6119.75712.77213.5349.62916.3322.83720.5019.0998.0856.6816.5015.8258.015.2917.4155.4094,928.086,659.4433,750.0573,721.086,225.0385,750.786
Non-Current Assets:
Property, Plant & Equipment, Net 090.70891.09391.05591.31592.69492.96392.0292.35192.1992.51191.94489.9584.79385.95885.34672.31472.69772.68273.93473.86873.80159.43358.38656.58956.58356.01251.13852.20344.2024333.77833.76430.80230.53627.86325.84425.6825.03825.2666.26.29715.9394.8354.8624.9294.9925.0955.1835.2895.3995.4655.5755.655.7125.6765.7915.9618.0478.2357.6597.7848.0988.0428.1048.1518.4726.5466.4996.4656.4716.4646.4466.3146.1345.3765.3097.1227.2076.2275.9795.9495.9684.8515.8124.8584.2933.8853.9043.9133,953.2933,964.763,640.1913,714.79503,778.91
Goodwill 096.196.196.14596.14596.14596.14596.14596.14596.14596.14596.14591.56591.56591.56589.98476.85874.45874.13574.9374.14573.91665.61400066.100042.8740004.1664.166004.1664.16600000000000000000000002.5410002,541.4760002,541.476000000002,541.4762,541.476000002,541.476000000000
Intangible Assets 08.0548.6239.1799.78410.39211.00311.64712.29412.96913.62714.31513.01713.6514.28714.94614.10811.89212.33611.7812.18212.58711.57977.53478.34878.6912.93468.25468.44950.667.9637.4147.4926.5832.472.5096.7546.8482.7752.8680.17700.25800000000000000000000000000000000000000000000000000000
Goodwill and Intangible Assets 0104.154104.723105.324105.929106.537107.148107.792108.439109.114109.772110.46104.582105.215105.852104.9390.96686.3586.47186.7186.32786.50377.19377.53478.34878.6979.03468.25468.44950.6650.8377.4147.4926.5836.6366.6756.7546.8486.9417.034000.25800000000000000002.5832.5872.5762.5412.5612.5632.8122.8412.872.8992.9292.9422.973.0033.0193.0463.273.3133.3413.3772.5412.5412.5412.5412.5412.5412.5412.5412.54100000000
Long Term Investments 04,020.0854,108.7223,749.4453,601.9383,557.133,626.9383,562.4653,523.1923,469.9073,451.863,301.3953,198.9423,021.4822,702.7392,583.392,401.3042,476.6292,375.6182,396.5322,398.362,145.9741,893.0051,870.8681,840.7971,831.8651,780.4631,578.0381,568.3611,367.781,317.398866.286859.923802.387808.271792.178768.675736.412723.36706.611306.293292.401359.523294.945289.07289.973286.271281.059271.008266.923270.895350.783344.315345.077260.434357.279372.77366.716384.461394.667441.553469.838455.338400.927399.086417.542422.697423.007417.017417.08404.835401.638386.088364.043338.469315.708316.3303.113292.458280.328265.795246.372229.417210.774211.541190.398180.745167.795165.898156.933000000
Tax Assets 000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
Other Non-Current Assets 0222.277222.675205.36241.665260.623230.993221.267178.821230.151182.214233.922216.766180.246173.622167.87182.517181.203139.238140.269172.483133.17980.6142.78121.53855.57641.3950.37448.40646.96751.52847.10828.70218.63318.84416.79618.91225.89628.44639.06814.12715.64819.03518.29322.54122.15322.92225.76929.51131.14630.44732.74832.85830.5330.24229.13831.44832.00224.68323.1926.27424.81826.70422.96919.02516.25825.1513.38912.95112.1312.8328.1448.1197.7367.53724.2776.99917.4014.243.4133.26713.822.60414.6964.2084.0365.4082.3084.7446.016000000
Total Non-Current Assets 04,437.2244,527.2134,151.1844,040.8474,016.9844,058.0423,983.5443,902.8033,901.3623,836.3573,737.7213,610.243,391.7363,068.1712,941.5362,747.1012,816.8792,674.0092,697.4452,731.0382,439.4572,110.2412,049.5682,097.2722,022.7141,956.8991,747.8031,737.421,509.6091,462.763954.586929.882858.405864.286843.511820.186794.836783.785777.98326.62314.346394.755318.073316.473317.055314.185311.922305.703303.359306.741388.996382.748381.256296.388392.093410.008404.679417.191428.674478.073505.015492.681434.499428.778444.763459.16445.813439.366438.604427.08419.216403.656381.113355.185348.631331.921330.977307.282292.509277.582268.682240.53232.863224.103201.833192.987176.529174.545166.8623,953.2933,964.763,640.1913,714.79503,778.91
Total Assets 4,955.0155,411.2175,275.9044,908.9344,891.0094,954.694,829.3874,797.1714,745.84,769.8054,612.9134,796.9114,788.1134,718.5794,611.5794,384.0313,654.3563,557.2033,304.9493,387.5883,265.9852,873.7152,449.1232,390.4852,391.2572,354.3172,274.4092,050.9462,062.2321,760.4251,720.7951,135.8221,145.4351,051.0861,062.4561,040.551,034.4941,016.2241,023.9631,007.057435.539426.01533.801413.378419.911429.044432.223429.681435.334431.71440.463425.179420.874417.475422.655426.365441.21447.54441.499483.351523.426562.065532.404509.499464.499481.545471.803457.607454.201452.732444.421435.302424.758394.723374.942361.402345.455340.606323.612315.345298.083277.781248.615239.543230.604207.659200.997181.82181.96172.271159,902.221153,743.514141,139.746138,473.363142,458.248128,702.909
Liabilities & Equity:
Current Liabilities:
Account Payables 0000000000000000000000000000000000000000.2990.1040.1060.0720.0780.080.0870.0820.10.0930.0910.1210.1360.1150.110.1110.0910.180.2110.1770.3710.3750.3880.3510.7540.6510.6650.470.2470.2930.430.2160.4820.2680.3120.3080.3490.2630.1920.2430.1940.1090.1110.0920.0970.070.0970.1020.10.0920.123000000
Short Term Debt 07.618.18.99712.7329.84913.16.1174.9964.04617.35.9235.0494.21312.2116.2483.8347.255.8036.1935.6596.1646.1844.3688.2197.0711.75616.78618.63515.96824.05526.54222.94623.15326.62224.20226.88320.74746.06818.44223.99319.5125.75827.33621.91318.92322.97420.50922.90721.1519.58719.3823.29921.44529.39126.05427.01127.7924.32537.18224.10529.95626.32218.13620.52623.59735.7943.45235.3338.37341.5615.91931.26318.31519.252.98114.6913.3534.79116.1135.9942.8367.4092.3353.5623.1086.08421.00726.9021.046000000
Tax Payables 000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
Deferred Revenue 000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
Other Current Liabilities 04,808.6594,686.4834,322.4914,316.6564,394.1214,267.8544,246.5094,199.5844,229.5464,077.14,280.4094,281.6324,191.3534,021.9383,799.2723,139.4723,048.2132,805.2152,652.0232,539.6892,341.932,047.2141,998.0732,012.32,008.6271,929.2221,718.0351,724.0711,505.5081,447.264966.692987.799895.321912.089868.305894.76863.364861.531846.992331.563333.198456.155316.314331.412341.725341.414340.756339.199336.903344.881328.963321.74315.816314.042322.552334.921337.487335.447351.367400.648429.198404.742386.088337.04349.892326.583302.815314.006314.882313.25334.627297.613294.84275.817278.37252.499270.31252.436235.416229.96214.022187.833188.065179.146163.367159.352142.843137.563140.618000000
Total Current Liabilities 04,816.2694,694.5834,331.4884,329.3884,403.974,280.9544,252.6264,204.584,233.5924,094.44,286.3324,286.6814,195.5664,034.1493,805.523,143.3063,055.4632,811.0182,658.2162,545.3482,348.0942,053.3982,002.4412,020.5192,015.6971,940.9781,734.8221,742.7051,521.4761,471.319993.2341,010.745918.475938.711892.507921.642884.111907.599865.734355.66352.813481.985343.728353.405360.734364.471361.365362.2358.145364.589348.479345.153337.371343.543348.696362.112365.488359.949388.919425.128459.542431.415404.978358.218374.154362.843346.514349.63353.685355.026351.028329.144313.467295.375281.699267.453273.855257.469251.723236.064216.969195.334190.498182.777166.573165.539163.95164.557141.787000000
Non-Current Liabilities:
Long Term Debt 039.70539.68439.66342.14242.1242.09950.07852.55754.53666.61554.49449.47374.452129.515124.409114.388114.759114.742114.743114.722164.72264.764.754.67947.80350.4264.48272.043043.6600.0618.50543.04810.09130.12534.18739.278313112282526.7426.7426.7431.7431.7437.17537.17537.6142.6143.04543.04548.4853.4854.71561.76567.2572.372.3572.3572.3572.3571.2572.266.4561.147.1425339.2539.5414131303232322729.1529.1522.417.40014000000
Deferred Revenue Non-Current 000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
Deferred Tax Liabilities Non-Current 000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
Other Non-Current Liabilities 049.30250.17648.7647.01441.80446.44847.81543.81638.27844.03141.37431.53228.51918.48529.38223.26922.92322.021264.84262.42724.69918.27817.30416.4480-000000000000-183.6098.1821.271-16.0721.2541.1370.8740.8791.4261.160.9380.7941.3981.3511.6040.8592.1761.7581.2831.0161.7021.6231.640.8020.8681.2321.3341.2091.4061.0221.1925.96811.8262.4271.8841.8391.8481.9743.6761.581.6321.4261.4741.170.8741.2231.1551.3481.2780.989000000
Total Non-Current Liabilities 089.00789.8688.42389.15683.92488.54797.89396.37392.814110.64695.86881.005102.971148153.791137.657137.682136.763379.583377.149189.42182.97882.00471.12747.80350.4264.48272.043043.661,010.7010.0618.50543.04810.09130.12516.18742.88739.18232.271-4.07229.25426.13727.61427.61928.16632.932.67837.96938.57338.96144.21443.90445.22150.23854.76355.73163.46768.87373.9473.15273.21873.58273.68472.45973.60667.47262.29253.0684354.82641.67741.38442.83942.84832.97433.67633.5833.63233.42628.47430.3230.02423.62318.5551.3481.27814.989000000
Total Liabilities 3,901.7854,905.2764,784.4434,419.9114,418.5444,487.8944,369.5014,350.5194,300.9534,326.4064,180.4614,382.24,367.6864,298.5374,182.1493,959.3113,280.9633,193.1452,947.7813,037.7992,922.4972,537.5152,136.3762,084.4452,091.6462,063.8361,991.3981,799.3041,814.7451,551.4761,514.943999.2341,010.701918.535957.216935.379931.43914.236923.786908.621394.843385.084477.913372.982379.542388.348392.09389.531395.1390.823399.574387.052384.115381.585387.447393.917412.35420.25415.68452.387494.002533.482504.567478.196431.8447.838435.302420.12417.101415.978408.094394.028383.97355.144336.759324.538310.301306.829291.146285.303269.696250.395223.807220.817212.801190.196184.093165.298165.836156.776144,755.471138,841.2126,526.567124,222.503128,378.913114,794.789
Equity:
Preferred Stock 00000000000000000000000000000000000.0120.0120.0120.0120.0120.0121514.9820.01214.94614.92914.91114.89314.87514.85714.83914.82212.17611.01810.4469.97.34.5413.5792.7271.424000000000000000000000000000000000000
Common Stock 017.01816.92616.92616.92617.05716.98916.99517.00417.00416.90116.88816.89816.89316.80316.80115.1115.10515.10715.23315.21715.22214.00813.95813.95313.95213.93412.7512.70511.23411.1528.2438.2198.2115.8965.8975.8245.8175.8065.7326.6436.6382.9666.6276.6276.6276.5476.5476.5476.5476.56.56.56.56.56.56.56.56.56.56.56.56.56.3736.326.326.326.326.326.326.376.526.5216.5156.5123.2533.2433.2233.2013.0723.0513.0112.8692.4871.2441.2441.2431.2431.2431.2331,233.1671,233.1671,233.1671,233.1671,233.1671,233.167
Retained Earnings 0213.721203.824195.537187.751181.103173.105168.271167.564160.085156.545144.723134.362125.329118.247112.6103.90696.03487.18578.91873.28367.86965.83959.80653.84344.72239.99133.55929.23525.30321.88921.65419.96818.3216.87115.49414.15313.23112.09510.942-3.02-2.94610.705-3.051-3.064-3.08-3.099-3.111-3.146-3.15-3.275-3.348-3.43-3.473-3.627-3.726-4.025-4.065-4.31710.7870.7690.4253.8855.9046.70310.05710.93510.5189.8879.31812.67812.44511.2079.88112.01110.669.3918.237.085.8495.1814.3413.9064.4423.8193.2962.9322.4411.941,538.3411,229.778964.083689.793476.918207.321
Accumulated Other Comprehensive Income/Loss 0-19.647-23.671-17.349-25.798-27.425-25.907-34.156-35.017-28.62-35.324-40.807-24.648-15.5561.4432.5592.3381.0832.1831.0120.592-1.2470.168-0.297-0.571-0.434-2.765-3.666-2.966-2.569-1.198-0.374-0.248-0.683-1.0020.4490.2750.211-0.3520.1220.1010.349-0.3030.0920.1360.5370.2430.3210.4911.2291.4511.4281.3171.0811.1191.0760.5670.018-0.3290.8210.9370.133-0.250.3030.0540.318-0.187-0.0570.0420.3980.1070.039-0.171-0.046-0.059-0.127-0.393-0.227-0.166-0.0020.072-0.062-1.5630.14-0.0760.2070.1810.1630.2570.228281.374345.502322.061234.033275.382373.765
Other Total Stockholders Equity 5,360.819294.736294.269293.909293.586296.061295.699295.542295.296294.93294.33293.907293.815293.376292.937292.76252.039251.836252.693254.626254.396254.356232.732232.573232.386232.241231.852208.999208.513174.981174.009107.065106.794106.70383.46383.3382.882.71782.61681.62821.97321.90342.50821.78121.74121.70121.5521.51821.48521.42121.3921.37221.35321.33521.31621.29721.27721.25721.23721.21921.221.18121.16320.74220.42120.36620.31220.28920.2220.1520.53322.03621.99321.90321.84921.72721.64321.38921.20219.89219.41519.25519.16112.19312.19312.19312.18412.18412.18412.09412,093.86812,093.86712,093.86812,093.86712,093.86812,093.867
Total Shareholders Equity 5,360.819505.828491.348489.023472.465466.796459.886446.652444.847443.399432.452414.711420.427420.042429.43424.72373.393364.058357.168349.789343.488336.2312.747306.04299.611290.481283.011251.642247.487208.949205.852136.588134.734132.551105.24105.171103.064101.988100.17798.43640.69740.92655.88840.39640.36940.69640.13440.1540.23440.88740.88938.12836.75935.8935.20832.44728.8627.2925.81930.96529.42528.58327.83731.30432.69933.70736.50237.48737.09936.75436.32741.27440.78739.57938.18336.86535.15333.77732.46630.04228.38727.38624.80718.72617.80317.46316.90416.52216.12515.49515,146.7514,902.31414,613.17914,250.8614,079.33513,908.12
Total Equity 5,360.819505.941491.461489.023472.465466.796459.886446.652444.847443.399432.452414.711420.427420.042429.43424.72373.393364.058357.168349.789343.488336.2312.747306.04299.611290.481283.011251.642247.487208.949205.852136.588134.734132.551105.24105.171103.064101.988100.17798.43640.69740.92655.88840.39640.36940.69640.13440.1540.23440.88740.88938.12836.75935.8935.20832.44728.8627.2925.81930.96529.42528.58327.83731.30432.69933.70736.50237.48737.09936.75436.32741.27440.78739.57938.18336.86535.15333.77732.46630.04228.38727.38624.80718.72617.80317.46316.90416.52216.12515.49515,146.7514,902.31414,613.17914,250.8614,079.33513,908.12
Total Liabilities & Shareholders Equity 9,262.6045,411.2175,275.9044,908.9344,891.0094,954.694,829.3874,797.1714,745.84,769.8054,612.9134,796.9114,788.1134,718.5794,611.5794,384.0313,654.3563,557.2033,304.9493,387.5883,265.9852,873.7152,449.1232,390.4852,391.2572,354.3172,274.4092,050.9462,062.2321,760.4251,720.7951,135.8221,145.4351,051.0861,062.4561,040.551,034.4941,016.2241,023.9631,007.057435.539426.01533.801413.378419.911429.044432.223429.681435.334431.71440.463425.179420.874417.475422.655426.365441.21447.54441.499483.351523.426562.065532.404509.499464.499481.545471.803457.607454.201452.732444.421435.302424.758394.723374.942361.402345.455340.606323.612315.345298.083277.781248.615239.543230.604207.659200.997181.82181.96172.271159,902.221153,743.514141,139.746138,473.363142,458.248128,702.909