SmartFinancial, Inc. (SMBK) - Quarterly Income Statement

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SMBK
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33.56 (USD) • At close August 11, 2025

Overview | Financials

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

	2025 Q1	2024 Q4	2024 Q3	2024 Q2	2024 Q1	2023 Q4	2023 Q3	2023 Q2	2023 Q1	2022 Q4	2022 Q3	2022 Q2	2022 Q1	2021 Q4	2021 Q3	2021 Q2	2021 Q1	2020 Q4	2020 Q3	2020 Q2	2020 Q1	2019 Q4	2019 Q3	2019 Q2	2019 Q1	2018 Q4	2018 Q3	2018 Q2	2018 Q1	2017 Q4	2017 Q3	2017 Q2	2017 Q1	2016 Q4	2016 Q3	2016 Q2	2016 Q1	2015 Q4	2015 Q3	2015 Q2	2015 Q1	2014 Q4	2014 Q3	2014 Q2	2014 Q1	2013 Q4	2013 Q3	2013 Q2	2013 Q1	2012 Q4	2012 Q3	2012 Q2	2012 Q1	2011 Q4	2011 Q3	2011 Q2	2011 Q1	2010 Q4	2010 Q3	2010 Q2	2010 Q1	2009 Q4	2009 Q3	2009 Q2	2009 Q1	2008 Q4	2008 Q3	2008 Q2	2008 Q1	2007 Q4	2007 Q3	2007 Q2	2007 Q1	2006 Q4	2006 Q3	2006 Q2	2006 Q1	2005 Q4	2005 Q3	2005 Q2	2005 Q1	2004 Q4	2004 Q3	2004 Q2	2004 Q1	2003 Q4	2003 Q3	2003 Q2	2003 Q1	2002 Q4	2002 Q3	2002 Q2	2002 Q1	2001 Q4	2001 Q3
Revenue Numbers are in millions	74.973	75.126	73.095	68.889	68.163	65.074	55.966	59.224	60.103	54.438	48.547	43.538	40.026	39.583	39.62	34.995	34.983	34.197	33.979	33.456	30.816	29.369	28.98	28.649	28.074	28.383	24.392	24.078	20.355	18.393	13.154	12.445	11.596	11.644	11.695	11.315	10.94	10.971	7.131	5.023	5.613	4.979	5.834	4.826	4.855	5.13	5.03	5.273	4.959	5.416	4.994	5.069	4.893	5.275	5.438	5.476	5.488	6.509	7.349	7.823	7.505	5.974	6.591	7.158	7.127	7.897	7.939	8.281	8.454	9.339	9.49	9.182	8.477	8.506	7.952	7.853	6.942	6.909	5.93	5.114	4.54	4.355	4.019	3.733	3.426	3.287	3.263	3.093	2.925	2,593.734	2,455.478	2,357.465	2,295.615	197.645	2,389.044
Cost of Revenue Numbers are in millions	29.117	30.448	31.499	29.354	27.622	27.549	25.064	20.632	17.746	10.489	6.563	4.497	3.803	3.344	4.078	2.95	3.099	3.306	6.449	7.049	8.627	6.609	6.928	6.894	6.743	6.665	4.51	4.072	3.256	2.345	1.423	1.567	1.141	1.292	1.359	1.276	1.161	1.587	0.759	0.544	0.79	0.65	0.382	1.075	0.888	0.772	0.869	0.92	1.262	1.411	1.272	1.217	1.314	1.705	1.625	1.706	1.771	6.049	2.857	3.976	3.611	6.912	6.156	4.425	8.596	5.549	3.467	3.393	3.787	11.235	6.749	3.704	3.191	2.98	2.986	2.913	2.532	2.376	1.991	1.767	1.345	1.258	1.122	1.068	0.967	0.932	1.052	0.855	0.917	0	0	0	0	0	0
Gross Profit Numbers are in millions	45.856	44.678	41.596	39.535	40.541	37.525	30.902	38.592	42.357	43.949	41.984	39.041	36.223	36.239	35.542	32.045	31.884	30.891	27.53	26.407	22.189	22.76	22.052	21.857	21.331	21.717	19.882	20.006	17.099	16.048	11.731	10.878	10.455	10.352	10.336	10.039	9.779	9.384	6.372	4.479	4.823	4.329	5.451	3.751	3.968	4.358	4.161	4.354	3.697	4.004	3.722	3.852	3.58	3.57	3.813	3.77	3.718	0.46	4.492	3.847	3.893	-0.938	0.435	2.733	-1.468	2.348	4.472	4.888	4.667	-1.896	2.741	5.478	5.286	5.526	4.966	4.94	4.41	4.533	3.938	3.347	3.195	3.097	2.897	2.665	2.458	2.355	2.211	2.238	2.008	2,593.734	2,455.478	2,357.465	2,295.615	197.645	2,389.044
Gross Profit Ratio Numbers are in millions	0.612	0.595	0.569	0.574	0.595	0.577	0.552	0.652	0.705	0.807	0.865	0.897	0.905	0.916	0.897	0.916	0.911	0.903	0.81	0.789	0.72	0.775	0.761	0.763	0.76	0.765	0.815	0.831	0.84	0.873	0.892	0.874	0.902	0.889	0.884	0.887	0.894	0.855	0.894	0.892	0.859	0.869	0.934	0.777	0.817	0.849	0.827	0.826	0.746	0.739	0.745	0.76	0.732	0.677	0.701	0.688	0.677	0.071	0.611	0.492	0.519	-0.157	0.066	0.382	-0.206	0.297	0.563	0.59	0.552	-0.203	0.289	0.597	0.624	0.65	0.624	0.629	0.635	0.656	0.664	0.654	0.704	0.711	0.721	0.714	0.718	0.717	0.678	0.723	0.687	1	1	1	1	1	1
Reseach & Development Expenses Numbers are in millions	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
General & Administrative Expenses Numbers are in millions	20.194	20.577	19.273	18.086	17.554	17.19	17.61	16.822	17.283	11.849	17.022	18.077	17.273	17.279	15.872	14.083	12.619	12.405	12.697	11.692	11.194	10.808	9.126	9.741	9.192	8.452	8.499	8.565	7.804	7.005	5.62	5.294	5.078	5.129	4.922	5.192	4.972	5.372	3.622	2.528	2.607	1.961	2.614	1.887	1.982	1.878	1.781	1.784	1.757	1.721	1.803	1.776	1.794	1.868	1.693	1.743	1.865	2.802	1.911	1.781	1.903	2.837	1.623	2.128	1.918	1.608	1.856	1.835	1.841	1.697	1.357	1.825	1.73	1.588	1.465	1.597	1.368	1.196	1.14	1.075	1.092	1.023	0.97	1.012	0.911	0.945	0.824	0.812	0.744	0	0	0	0	0	0
Selling & Marketing Expenses Numbers are in millions	0.382	0.397	0.327	0.295	0.302	0.336	0.346	0.305	0.355	0.308	0.288	0.327	0.369	0.176	0.235	0.23	0.19	0.181	0.253	0.202	0.198	0.166	0.263	0.259	0.295	0.246	0.228	0.215	0.185	0.167	0.177	0.129	0.164	0.079	0.179	0.184	0.173	0.453	0.132	0.111	0.111	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
SG&A Numbers are in millions	20.576	20.974	19.6	18.381	17.856	17.526	17.956	17.127	17.638	12.157	17.31	18.404	17.642	17.455	16.107	14.313	12.809	12.586	12.95	11.894	11.392	10.974	9.389	10	9.487	8.698	8.727	8.78	7.989	7.172	5.797	5.423	5.243	5.208	5.101	5.376	5.146	5.825	3.754	2.639	2.718	1.961	2.614	1.887	1.982	1.878	1.781	1.784	1.757	1.721	1.803	1.776	1.794	1.868	1.693	1.743	1.865	2.802	1.911	1.781	1.903	2.837	1.623	2.128	1.918	1.608	1.856	1.835	1.841	1.697	1.357	1.825	1.73	1.588	1.465	1.597	1.368	1.196	1.14	1.075	1.092	1.023	0.97	1.012	0.911	0.945	0.824	0.812	0.744	1,849.818	1,189.106	801.661	380.814	-311.425	0
Other Expenses Numbers are in millions	11.72	11.317	11.246	10.82	10.697	12.169	10.56	10.283	9.891	15.259	9.92	7.522	8.076	10.366	7.202	6.484	6.655	6.777	6.217	6.912	7.401	4.581	4.759	-0.159	5.525	6.894	5.526	5.998	4.755	4.962	3.367	3.081	2.622	2.537	2.683	2.781	2.521	1.476	2.543	1.549	1.404	1.703	1.691	1.198	1.319	1.826	1.684	1.918	1.219	1.756	1.4	1.647	1.28	1.632	1.384	1.914	1.551	4.64	2.298	2.103	1.497	1.094	1.656	1.645	1.374	1.496	1.295	1.381	1.256	1.114	1.014	1.187	0.956	1.909	0.957	0.944	0.874	1.289	0.83	0.782	0.729	0.938	0.772	0.634	0.693	0.605	0.588	0.613	0.61	0	0	0	0	0	-2,066.383
Operating Expenses Numbers are in millions	32.296	32.291	30.846	29.201	28.553	29.695	28.516	27.41	27.529	27.416	27.23	25.926	25.718	27.821	23.309	20.797	19.464	19.362	19.167	18.806	18.793	15.555	14.148	9.841	15.012	15.592	14.253	14.779	12.744	12.134	9.164	8.504	7.865	7.745	7.778	8.157	7.666	7.301	6.297	4.188	4.121	3.664	4.305	3.085	3.301	3.704	3.465	3.702	2.976	3.477	3.203	3.423	3.074	3.501	3.077	3.657	3.417	7.443	4.209	3.884	3.4	3.931	3.279	3.773	3.293	3.104	3.151	3.216	3.097	2.811	2.371	3.012	2.686	3.496	2.422	2.541	2.242	2.485	1.97	1.857	1.821	1.961	1.742	1.646	1.604	1.55	1.412	1.425	1.354	1,849.818	1,189.106	801.661	380.814	-311.425	-2,066.383
Operating Income Numbers are in millions	13.56	12.387	10.75	10.334	11.988	7.83	2.386	11.182	14.828	16.533	14.754	13.115	10.505	8.418	12.233	11.248	12.42	11.529	8.363	7.601	3.396	7.205	7.904	12.016	6.319	6.125	5.629	5.227	4.355	3.914	2.567	2.374	2.59	2.607	2.558	1.883	2.113	2.083	0.075	0.291	0.702	0.664	1.146	0.666	0.667	0.654	0.697	0.652	0.721	0.527	0.519	0.429	0.506	0.069	0.736	0.113	0.301	-6.982	0.283	-0.037	0.493	-4.869	-2.844	-1.04	-4.761	-0.756	1.321	1.672	1.571	-4.707	0.37	2.466	2.6	2.029	2.544	2.399	2.168	2.048	1.969	1.49	1.374	1.136	1.155	1.019	0.854	0.805	0.799	0.813	0.655	-1,425.366	-1,229.533	-865.976	-517.355	-2,828.833	322.661
Operating Income Ratio Numbers are in millions	0.181	0.165	0.147	0.15	0.176	0.12	0.043	0.189	0.247	0.304	0.304	0.301	0.262	0.213	0.309	0.321	0.355	0.337	0.246	0.227	0.11	0.245	0.273	0.419	0.225	0.216	0.231	0.217	0.214	0.213	0.195	0.191	0.223	0.224	0.219	0.166	0.193	0.19	0.011	0.058	0.125	0.133	0.196	0.138	0.137	0.127	0.139	0.124	0.145	0.097	0.104	0.085	0.103	0.013	0.135	0.021	0.055	-1.073	0.039	-0.005	0.066	-0.815	-0.432	-0.145	-0.668	-0.096	0.166	0.202	0.186	-0.504	0.039	0.269	0.307	0.239	0.32	0.305	0.312	0.296	0.332	0.291	0.303	0.261	0.287	0.273	0.249	0.245	0.245	0.263	0.224	-0.55	-0.501	-0.367	-0.225	-14.313	0.135
Total Other Income Expenses Net Numbers are in millions	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	3,308.64	2,481.192	1,674.14	870.23	3,448.797	0
Income Before Tax Numbers are in millions	13.56	12.387	10.75	10.334	11.988	7.83	2.386	11.182	14.828	16.533	14.754	13.115	10.505	8.416	12.233	11.248	12.42	11.529	8.363	7.601	3.396	7.206	7.904	12.016	6.319	6.137	5.629	5.227	4.355	3.913	2.567	2.374	2.59	2.607	2.558	1.883	2.113	2.082	0.075	0.291	0.702	0.664	1.146	0.666	0.667	0.654	0.697	0.652	0.721	0.527	0.519	0.429	0.506	0.069	0.736	0.113	0.301	-6.982	0.283	-0.037	0.493	-4.869	-2.844	-1.04	-4.761	-0.756	1.321	1.672	1.571	-4.707	0.37	2.466	2.6	2.029	2.544	2.399	2.168	2.048	1.969	1.49	1.374	1.136	1.155	1.019	0.854	0.805	0.799	0.813	0.655	1,883.274	1,251.659	808.164	352.875	619.964	322.661
Income Before Tax Ratio Numbers are in millions	0.181	0.165	0.147	0.15	0.176	0.12	0.043	0.189	0.247	0.304	0.304	0.301	0.262	0.213	0.309	0.321	0.355	0.337	0.246	0.227	0.11	0.245	0.273	0.419	0.225	0.216	0.231	0.217	0.214	0.213	0.195	0.191	0.223	0.224	0.219	0.166	0.193	0.19	0.011	0.058	0.125	0.133	0.196	0.138	0.137	0.127	0.139	0.124	0.145	0.097	0.104	0.085	0.103	0.013	0.135	0.021	0.055	-1.073	0.039	-0.005	0.066	-0.815	-0.432	-0.145	-0.668	-0.096	0.166	0.202	0.186	-0.504	0.039	0.269	0.307	0.239	0.32	0.305	0.312	0.296	0.332	0.291	0.303	0.261	0.287	0.273	0.249	0.245	0.245	0.263	0.224	0.726	0.51	0.343	0.154	3.137	0.135
Income Tax Expense Numbers are in millions	2.306	2.746	1.61	2.331	2.63	1.64	0.319	2.346	3.328	3.529	3.211	2.9	2.246	1.761	2.633	2.47	2.664	2.499	1.968	1.427	0.664	0.473	1.941	2.895	1.588	-0.307	1.305	1.295	0.94	3.875	0.882	0.726	0.946	0.96	0.947	0.691	0.764	0.901	0.152	0.225	0.363	0.253	0.441	0.257	0.255	0.25	0.268	0.256	0.269	0.156	0.154	0.118	0.149	-0.044	0.212	-0.029	0.049	-1.699	0.069	-0.055	0.15	-1.904	-1.145	-0.437	-1.85	-0.32	0.461	0.599	0.556	-1.803	-0.189	0.902	0.948	0.582	0.997	0.935	0.813	0.706	0.738	0.579	0.534	0.418	0.448	0.396	0.331	0.317	0.308	0.313	0.253	722.978	498.8	321	140	232.112	140.901
Net Income Numbers are in millions	11.254	9.641	9.14	8.003	9.358	6.19	2.067	8.836	11.5	13.004	11.543	10.215	8.259	6.656	9.6	8.778	9.756	9.03	6.395	6.174	2.732	6.733	5.963	9.121	4.731	6.432	4.324	3.932	3.415	0.038	1.685	1.648	1.644	1.647	1.611	1.192	1.349	1.182	-0.077	0.066	0.338	0.411	0.705	0.409	0.412	0.404	0.429	0.396	0.452	0.371	0.364	0.311	0.357	0.113	0.524	0.141	0.252	-5.283	0.214	0.018	0.344	-2.965	-1.7	-0.603	-2.912	-0.436	0.86	1.073	1.015	-2.904	0.559	1.564	1.652	1.447	1.546	1.463	1.355	1.342	1.231	0.912	0.84	0.718	0.708	0.623	0.523	0.488	0.491	0.5	0.402	1,160.296	752.859	487.164	212.875	387.852	181.76
Net Income Ratio Numbers are in millions	0.15	0.128	0.125	0.116	0.137	0.095	0.037	0.149	0.191	0.239	0.238	0.235	0.206	0.168	0.242	0.251	0.279	0.264	0.188	0.185	0.089	0.229	0.206	0.318	0.169	0.227	0.177	0.163	0.168	0.002	0.128	0.132	0.142	0.141	0.138	0.105	0.123	0.108	-0.011	0.013	0.06	0.083	0.121	0.085	0.085	0.079	0.085	0.075	0.091	0.068	0.073	0.061	0.073	0.021	0.096	0.026	0.046	-0.812	0.029	0.002	0.046	-0.496	-0.258	-0.084	-0.409	-0.055	0.108	0.13	0.12	-0.311	0.059	0.17	0.195	0.17	0.194	0.186	0.195	0.194	0.208	0.178	0.185	0.165	0.176	0.167	0.153	0.149	0.151	0.162	0.137	0.447	0.307	0.207	0.093	1.962	0.076
EPS Numbers are in millions	0.67	0.58	0.55	0.48	0.56	0.37	0.12	0.53	0.69	0.78	0.69	0.61	0.49	0.4	0.62	0.59	0.65	0.6	0.42	0.41	0.19	0.48	0.43	0.65	0.34	0.48	0.34	0.32	0.3	0.004	0.2	0.2	0.19	0.23	0.23	0.16	0.16	0.2	-0.03	-0.04	0.04	0.25	0.008	0.01	0.012	0.25	0.04	0.002	0.04	-0.014	0.04	0.19	0.04	0.069	0.2	0.087	0.08	-3.25	0.12	0.01	0.2	-1.82	-1.04	-0.36	-1.8	-0.27	0.54	0.66	0.62	-1.82	0.35	0.93	0.97	0.86	0.47	0.44	0.41	0.41	0.38	0.28	0.27	0.23	0.27	0.33	0.28	0.26	0.26	0.26	0.21	940.12	610	400	170	320.03	149.97
EPS Diluted Numbers are in millions	0.67	0.57	0.54	0.48	0.55	0.37	0.12	0.52	0.68	0.77	0.68	0.61	0.49	0.4	0.61	0.58	0.65	0.59	0.42	0.41	0.19	0.48	0.42	0.65	0.34	0.47	0.34	0.32	0.3	0.004	0.2	0.2	0.19	0.22	0.22	0.15	0.15	0.19	-0.03	-0.04	0.04	0.25	0.008	0.01	0.012	0.24	0.04	0.002	0.04	-0.014	0.04	0.19	0.04	0.069	0.2	0.087	0.08	-3.25	0.12	0.01	0.2	-1.82	-1.04	-0.36	-1.8	-0.27	0.51	0.66	0.58	-1.78	0.31	0.89	0.93	0.86	0.44	0.42	0.39	0.41	0.35	0.26	0.25	0.23	0.24	0.3	0.26	0.24	0.24	0.24	0.2	940.12	610	400	170	313.22	146.82
EBITDA Numbers are in millions	16.297	15.078	13.583	13.153	15.06	10.975	5.899	14.749	18.101	21.703	17.959	16.279	13.529	10.424	13.84	12.881	13.919	13.113	10.012	8.755	5.03	8.209	9.112	12.948	7.475	-0.535	6.664	7.78	3.71	4.601	3.178	2.991	3.139	3.172	3.12	2.42	2.639	1.869	0.319	0.949	1.1	0.738	1.459	0.802	0.776	0.865	0.775	0.777	0.814	0.824	0.703	0.552	0.617	0.31	0.85	0.206	0.363	-6.769	0.392	0.069	0.621	-4.528	-2.727	-0.701	-4.6	-0.484	1.463	1.798	1.727	-4.426	0.527	2.49	2.743	2.597	2.672	2.548	2.313	2.553	1.993	1.553	1.546	1.461	1.296	1.177	0.94	0.944	0.904	0.876	0.737	-1,374.955	-1,150.241	-787.627	-447.035	-2,715.328	322.661
EBITDA Ratio Numbers are in millions	0.217	0.201	0.186	0.191	0.221	0.169	0.105	0.249	0.301	0.399	0.37	0.374	0.338	0.263	0.349	0.368	0.398	0.383	0.295	0.262	0.163	0.28	0.314	0.452	0.266	-0.019	0.273	0.323	0.182	0.25	0.242	0.24	0.271	0.272	0.267	0.214	0.241	0.17	0.045	0.189	0.196	0.148	0.25	0.166	0.16	0.169	0.154	0.147	0.164	0.152	0.141	0.109	0.126	0.059	0.156	0.038	0.066	-1.04	0.053	0.009	0.083	-0.758	-0.414	-0.098	-0.645	-0.061	0.184	0.217	0.204	-0.474	0.056	0.271	0.324	0.305	0.336	0.325	0.333	0.37	0.336	0.304	0.341	0.336	0.322	0.315	0.274	0.287	0.277	0.283	0.252	-0.53	-0.468	-0.334	-0.195	-13.738	0.135

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