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SmartFinancial SMBK Q1 2026 earnings

Reported April 20, 2026 · Before market open

Revenue$53.8MBeat by $604.5K
EPS$0.81In line
Revenue estimate$53.2M
EPS estimate$0.81

Next report

Oct 20, 2026 (in 2 months)
Revenue estimate$57.6M
EPS estimate$0.96

Financials

Q1 2026

Income statement

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Revenue$53.8M+14.9%
Net income$13.7M+21.6%
EPS (diluted)$0.81+20.9%

Balance sheet

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Cash & equivalents$346.1M-18.2%
Total debt$11.4M-7.0%
Total equity$562.0M+11.1%
Total assets$5.9B+9.2%

Cash flow

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Operating cash flow$16.4M+14.5%
CapEx$6.2M+568%
Free cash flow$10.2M-24.0%

Valuation & ratios

Valuation

as of 03/31/26
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Market cap$668.15M+26.3%
Enterprise value$333.46M+182%
P/E12.7×-1.2×
P/S3.2×+0.3×

Profitability

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Net margin25.4%+4.1pp
FCF margin27.1%-4.1pp

Returns & leverage

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Return on equity9.9%+2.1pp
Debt / equity0×0.0×

FAQ

When did SmartFinancial report Q1 2026 earnings?
SmartFinancial (SMBK) reported Q1 2026 earnings on April 20, 2026 before market open.
What were SmartFinancial's Q1 2026 revenue and EPS?
SmartFinancial reported revenue of $53.8M and eps of $0.81 for Q1 2026.
Did SmartFinancial beat estimates in Q1 2026?
Revenue beat the consensus estimate of $53.2M by $604.5K. EPS beat the consensus estimate of $0.81 by $0.00.
How did SmartFinancial's Q1 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 14.9% from $46.8M a year earlier and eps grew 20.9% from $0.67.
Where can I find SmartFinancial's Q1 2026 SEC filings?
You can read the 8-K earnings release (0001104659-26-045196) and the 10-Q periodic report (0001104659-26-058728) directly on SEC EDGAR. The filing index links above go to sec.gov.