Skip to content
Screener

SmartFinancial SMBK Q2 2025 earnings

Reported July 21, 2025 · After market close

Revenue$49.2MMiss by $1.4M
EPS$0.69Beat by $0.03
Revenue estimate$50.6M
EPS estimate$0.66

Next report

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

Financials

Q2 2025

Income statement

See full
Revenue$49.2M+21.8%
Net income$11.7M+46.3%
EPS (diluted)$0.69+43.7%

Balance sheet

See full
Cash & equivalents$365.1M+6.5%
Total debt$12.5M-0.8%
Total equity$519.0M+9.9%
Total assets$5.5B+12.3%

Cash flow

See full
Operating cash flow$14.0M-15.2%
CapEx$778.0K-29.5%
Free cash flow$13.2M-14.2%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$556.98M+37.9%
Enterprise value$204.34M+178%
P/E13.3×-2.4×
P/S3×+0.3×

Profitability

See full
Net margin22.3%+5.4pp
FCF margin28.5%+5.5pp

Returns & leverage

See full
Return on equity8.4%+2.8pp
Debt / equity0×0.0×

FAQ

When did SmartFinancial report Q2 2025 earnings?
SmartFinancial (SMBK) reported Q2 2025 earnings on July 21, 2025 after market close.
What were SmartFinancial's Q2 2025 revenue and EPS?
SmartFinancial reported revenue of $49.2M and eps of $0.69 for Q2 2025.
Did SmartFinancial beat estimates in Q2 2025?
Revenue missed the consensus estimate of $50.6M by $1.4M. EPS beat the consensus estimate of $0.66 by $0.03.
How did SmartFinancial's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 21.8% from $40.4M a year earlier and eps grew 50.0% from $0.46.
Where can I find SmartFinancial's Q2 2025 SEC filings?
You can read the 8-K earnings release (0001558370-25-009328) and the 10-Q periodic report (0001558370-25-011071) directly on SEC EDGAR. The filing index links above go to sec.gov.