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SmartFinancial SMBK Debt Repayments

Debt Repayments at other companies

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Other financials

Income statement

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Revenue$56.0M+13.6%
Net income$16.3M+39.4%
EPS (diluted)$0.96+39.1%

Balance sheet

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Cash & equivalents$379.4M+3.9%
Total debt$11.0M-11.6%
Total equity$576.8M+11.1%
Total assets$6.1B+11.4%

Cash flow

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Operating cash flow$23.7M+68.8%
CapEx$1.2M+53.9%
Free cash flow$22.5M+69.6%

Valuation

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Market cap$901.43M+58.4%
Enterprise value$533.05M+146%
P/E15.7×+2.1×
P/S4.2×+1.2×

Profitability

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Net margin26.8%+4.5pp
FCF margin30.5%+2.0pp

Returns & leverage

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Return on equity10.5%+2.1pp
Debt / equity0.0×

Where this comes from

Reported directly by SmartFinancial in its filing.

Tagged under the XBRL concept us-gaap:RepaymentsOfLongTermDebt.

The source filing: SmartFinancial’s 10-Q, filed November 7, 2025.

Filed
Nov 7, 2025
Fiscal quarter
Q3 FY2025
Calendar quarter
Q3 2025
Accession
0001104659-25-108550
Line itemNine Months Ended September 30, 2025Nine Months Ended September 30, 2024
Net increase in deposits364,44254,693
Net decrease in securities sold under agreements to repurchase(2,833)(1,082)
Proceeds from borrowings1,000155,000
Repayment of borrowings(5,000)(160,500)
Cash dividends paid(4,088)(4,068)
Issuance of subordinated debt, net of issuance costs98,580
Issuance of common stock15468
Restricted shares withheld for taxes(291)(220)

Item 1. Consolidated Financial Statements (Unaudited)

FAQ

What is SmartFinancial's debt repayments?
SmartFinancial (SMBK) reported debt repayments of $4M in Q3 2025.
How has SmartFinancial's debt repayments changed year-over-year?
SmartFinancial's debt repayments decreased by 97.4% year-over-year, from $156.5M to $4M.
What is the long-term trend for SmartFinancial's debt repayments?
Over 2 years (2021 to 2024), SmartFinancial's debt repayments has grown at a 1132.4% compound annual growth rate (CAGR), from $1.1M to $166.6M.
What does debt repayments mean?
Cash used to repay or retire outstanding debt obligations, including scheduled maturities and early redemptions.

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