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SMARTFINANCIAL INC.

SMBK

$51.98 ▼ -0.69 (-1.30%) at close

18 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

SMARTFINANCIAL INC. shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $872.2M

Dividend Yield 0.62%

Revenue Growth 16.9% ↗

Op. Margin 30.7% ↗

ROIC None

FCF / Share None

Trailing P/E 17.3x

Price / Book 1.6x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$200.46M

↑ +16.9% —

Net Income Profit after all expenses

$50.35M

↑ +39.3% —

Operating Margin Operating profit as % of sales

30.7%

↑ +15.7% 87th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability →

Returns ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.32 Latest / share

+0.0% YoY

+36.3% 7-yr CAGR

FY 2014

FY 2015

FY 2016

FY 2017

FY 2018

$0.05

FY 2019

$0.20

FY 2020

$0.24

FY 2021

$0.28

FY 2022

$0.32

FY 2023

$0.32

FY 2024

$0.32

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	16.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+181%)	12.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+109%)	-7.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-229%)	20.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+238%)	18.1% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+202%)	17.2% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+187%)	19.2% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+220%)	62.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+934%)	21.0% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+250%)	55.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+831%)	37.4% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+523%)	17.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+192%)	8.2% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+37%)	1.8% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-70%)	-19.8% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-430%)	9.4% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+57%)	—	—
EPS Growth YoY (%)	38.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	27.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-33.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	15.2% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	36.8% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	-14.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	30.1% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	160.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-31.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	134.3% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	-39.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	2800.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	-60.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	42.1% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	39.3% Excellent ↑ Excellent Improving Year-over-year change in net income	26.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-33.5% Weak ↓ Weak Declining Year-over-year change in net income	23.7% Good ↓ Good Declining Year-over-year change in net income	43.0% Excellent ↓ Excellent Declining Year-over-year change in net income	-8.3% Weak ↓ Weak Declining Year-over-year change in net income	46.7% Excellent ↓ Excellent Declining Year-over-year change in net income	261.0% Excellent ↑ Excellent Improving Year-over-year change in net income	-13.5% Weak ↓ Weak Declining Year-over-year change in net income	284.1% Excellent ↑ Excellent Improving Year-over-year change in net income	-17.6% Weak ↓ Weak Declining Year-over-year change in net income	9.0% Fair ↓ Fair Declining Year-over-year change in net income	19.9% Good ↓ Good Declining Year-over-year change in net income	36.1% Excellent Excellent Year-over-year change in net income	N/M	42.4% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	6.7% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	7.7% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	9.4% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	18.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	18.2% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	31.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	32.7% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	45.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	37.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	36.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	20.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	9.0% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	-4.0% Weak Weak Compound annual revenue growth over 3 years	-3.7% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	11.5% Good ↓ Good Declining Compound annual revenue growth over 5 years	11.6% Good ↓ Good Declining Compound annual revenue growth over 5 years	12.9% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	26.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	26.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	33.7% Excellent → Excellent Stable Compound annual revenue growth over 5 years	38.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	37.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	26.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	22.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	7.4% Fair Fair Compound annual revenue growth over 5 years	2.6% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	5.3% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-1.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	1.4% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	10.6% Good ↓ Good Declining Compound annual EPS growth over 3 years	15.2% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	42.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	32.3% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	61.0% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	-1.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	244.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	159.6% Excellent Excellent Compound annual EPS growth over 3 years	126.4% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	30.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	26.5% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	23.8% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	33.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	32.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	26.6% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	33.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	25.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	22.3% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-11%)	21.6% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-14%)	11.6% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-54%)	14.9% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-40%)	16.1% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-35%)	12.7% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-49%)	8.0% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-68%)	-32.7% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-231%)	-77.5% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-410%)	—
Effective Tax Rate (%) (%)	18.1% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.5% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.1% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.6% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.5% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.2% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.6% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.2% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	56.2% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.7% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	52.1% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	37.9% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	38.3% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.2% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.4% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.6% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	39.5% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	25.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	21.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	18.8% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	26.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	25.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)	20.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	26.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+22%)	21.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	9.8% Caution → Caution Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-56%)	13.7% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	5.5% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-75%)	9.2% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-58%)	10.0% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-55%)	9.0% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-59%)	6.7% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-69%)	-24.7% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-212%)	-46.9% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-313%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	-1.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	9.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	7.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-39%)	6.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-48%)	9.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-17%)	8.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-32%)	6.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-43%)	8.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	6.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-47%)	2.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-80%)	5.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-54%)	1.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-87%)	3.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-73%)	4.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-65%)	3.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-71%)	2.9% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-76%)	-18.2% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-252%)	-29.4% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-345%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	—	—	—	—	—	0.21x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-82%)	—	—	—	—	—	—	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$11.95	$10.23	$9.07	$9.87	$8.82	$7.78	$7.11	$6.70	$5.94	$7.27	$6.84	$6.69	—	—	—	—	—	—
Basic EPS, GAAP (USD)	$3.00	$2.16	$1.70	$2.57	$2.23	$1.63	$1.90	$1.46	$0.56	$0.82	$0.35	$0.58	$0.02	$0.02	$0.05	$-0.73	$-1.26	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.32	$0.32	$0.32	$0.28	$0.24	$0.20	$0.05	—	—	—	—	—	—	—	—	—	—	—
Book Value per Share (USD)	$32.44	$29.03	$27.07	$25.59	$25.56	$23.64	$22.33	$20.31	$18.46	$17.85	$17.25	$18.84	$6.13	$6.29	$5.42	$3.97	—	—
Tangible Book Value per Share (USD)	$27.13	$23.35	$21.41	$19.90	$20.11	$18.73	$17.64	$15.57	$18.46	$17.85	$16.54	$18.84	$6.13	$6.29	$5.42	$3.97	—	—
Basic Weighted Avg Shares (shares)	16.78M	16.77M	16.81M	16.74M	15.57M	14.96M	13.95M	12.42M	8.64M	5.84M	3.99M	2.96M	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	—	—	—	$75.40M	—	—	—	—	—	—	—	—	—	—	—	—
Total Equity (USD)	$552.38M	$491.35M	$459.89M	$432.45M	$429.43M	$357.17M	$312.75M	$283.01M	$205.85M	$105.24M	$100.18M	$55.89M	$40.13M	$40.89M	$35.21M	$25.82M	$27.84M	$36.50M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$200.46M	$171.50M	$152.41M	$165.22M	$137.34M	$116.29M	$99.19M	$83.23M	$51.36M	$42.45M	$27.24M	$19.83M	$16.87M	$15.59M	$15.31M	$19.09M	$17.45M	—
Depreciation Expense (USD)	$5.00M	$5.20M	$5.10M	$4.70M	$4.20M	$3.70M	$2.80M	$2.60M	$1.80M	$1.44M	$992.75K	$788.38K	$420.29K	$461.90K	$475.94K	—	—	—
Net Income, GAAP (USD)	$50.35M	$36.14M	$28.59M	$43.02M	$34.79M	$24.33M	$26.55M	$18.10M	$5.02M	$5.80M	$1.51M	$1.83M	$1.68M	$1.40M	$1.03M	$-4.71M	$-8.18M	—
Operating Cash Flow (USD)	$61.72M	$52.70M	$39.72M	$56.79M	$46.18M	$29.07M	$29.87M	$20.82M	$1.24M	—	—	—	—	$4.91M	$2.72M	$10.11M	$6.05M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	2.8%	2.6%	2.7%	3.0%	2.5%	3.1%	3.4%	3.4%	2.7%	3.6%	2.4%	3.5%	3.5%	3.3%	3.3%	3.6%	—	—
Efficiency Ratio (%) (%)	65.5%	70.5%	74.2%	64.3%	66.5%	66.0%	63.7%	70.8%	76.2%	76.6%	85.0%	82.9%	82.1%	84.5%	89.1%	94.5%	92.1%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 67 quarters

SMARTFINANCIAL INC.

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