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SmartFinancial SMBK Q1 2025 earnings

Reported April 21, 2025 · After market close

Revenue$46.8MBeat by $609.6K
EPS$0.67Beat by $0.12
Revenue estimate$46.2M
EPS estimate$0.55

Next report

Oct 20, 2026 (In 2 weeks)
Revenue estimate$57.7M
EPS estimate$0.97

Financials

Q1 2025

Income statement

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Revenue$46.8M+16.8%
Net income$11.3M+20.3%
EPS (diluted)$0.67+21.8%

Balance sheet

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Cash & equivalents$423.0M-11.5%
Total debt$12.2M+21.0%
Total equity$505.8M+8.4%
Total assets$5.4B+9.2%

Cash flow

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Operating cash flow$14.3M+102%
CapEx$929.0K-68.1%
Free cash flow$13.4M+221%

Valuation & ratios

Valuation

as of 03/31/25
See full
Market cap$528.92M+47.8%
Enterprise value$118.18M+208%
P/E13.9×+0.4×
P/S3×+0.6×

Profitability

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Net margin21.3%+3.7pp
FCF margin31.1%+12.5pp

Returns & leverage

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Return on equity7.8%+2.0pp
Debt / equity0×0.0×

FAQ

When did SmartFinancial report Q1 2025 earnings?
SmartFinancial (SMBK) reported Q1 2025 earnings on April 21, 2025 after market close.
What were SmartFinancial's Q1 2025 revenue and EPS?
SmartFinancial reported revenue of $46.8M and eps of $0.67 for Q1 2025.
Did SmartFinancial beat estimates in Q1 2025?
Revenue beat the consensus estimate of $46.2M by $609.6K. EPS beat the consensus estimate of $0.55 by $0.12.
Where can I find SmartFinancial's Q1 2025 SEC filings?
You can read the 8-K earnings release (0001558370-25-005082) and the 10-Q periodic report (0001558370-25-007419) directly on SEC EDGAR. The filing index links above go to sec.gov.