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SmartFinancial SMBK Pre-Tax Income

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First Commonwealth FinancialFCF
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Segments

By segment

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General Banking Unit$20.53M+44.0%

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$887.92M+55.5%
Enterprise value$519.54M+138%
P/E15.5×+1.8×
P/S4.2×+1.1×

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:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest.

The source filing: SmartFinancial’s 10-Q, filed August 10, 2026.

Filed
Aug 10, 2026, 5:01 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001104659-26-093447
Line itemThree Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Amortization of intangibles4545669111,135
Other2,9523,0266,0956,097
Total noninterest expense33,95532,56966,87164,866
Income before income tax expense20,53214,26137,29527,820
Income tax expense4,2102,5567,2934,861
Net income$16,322$11,705$30,002$22,959
Earnings per common share:
Basic$0.97$0.70$1.78$1.37

Item 1. Consolidated Financial Statements (Unaudited)

FAQ

What is SmartFinancial's pre-tax income?
SmartFinancial (SMBK) reported pre-tax income of $20.53M in Q2 2026.
How has SmartFinancial's pre-tax income changed year-over-year?
SmartFinancial's pre-tax income increased by 44.0% year-over-year, from $14.26M to $20.53M.
What is the long-term trend for SmartFinancial's pre-tax income?
Over 4 years (2021 to 2025), SmartFinancial's pre-tax income has grown at a 8.5% compound annual growth rate (CAGR), from $44.32M to $61.5M.
What does pre-tax income mean?
Total income from all sources — operating income plus non-operating items like interest income, investment gains, and other income — before the provision for income taxes.

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