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SmartFinancial SMBK Time deposits

Time deposits at other companies

Financial Institutions logo
Financial InstitutionsFISI
$1.66B+2.1%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$76M+33.8%
First Commonwealth Financial logo
First Commonwealth FinancialFCF
$1.84B+5.2%
Center Bancorp logo
Center BancorpCNOB
$3.01B+18.1%
Provident Financial Services logo
Provident Financial ServicesPFS
$942.7M+22.8%
Community Financial System logo
Community Financial SystemCBU
$2.21B+1.3%

Other financials

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

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Market cap$790.12M+46.9%
Enterprise value$455.43M+258%
P/E15×+0.8×
P/S3.8×+0.8×

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×

Where this comes from

Reported directly by SmartFinancial in its filing.

Tagged under the XBRL concept us-gaap:TimeDeposits.

The official record: SmartFinancial’s 10-Q, filed May 11, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is SmartFinancial's time deposits?
SmartFinancial (SMBK) reported time deposits of $834.63M in Q1 2026.
How has SmartFinancial's time deposits changed year-over-year?
SmartFinancial's time deposits decreased by 8.0% year-over-year, from $907.47M to $834.63M.
What is the long-term trend for SmartFinancial's time deposits?
Over 5 years (2020 to 2025), SmartFinancial's time deposits has grown at a 9.6% compound annual growth rate (CAGR), from $550.5M to $870.54M.
What does time deposits mean?
These are interest-bearing deposit accounts, such as certificates of deposit, that have a specified maturity date and require notice for withdrawal. They represent a stable, albeit more expensive, source of funding compared to demand deposits. Investors monitor this to assess the bank's reliance on rate-sensitive funding and its exposure to interest rate fluctuations.