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SmartFinancial SMBK Interest Expense

Interest Expense at other companies

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First HorizonFHN
$354M-12.2%
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Regions FinancialRF
$471M-10.3%
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Civista BancsharesCIVB
$17.95M-16.3%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$7.64M-7.7%
Financial Institutions logo
Financial InstitutionsFISI
$29.72M-11.9%
First Business Financial Services logo
First Business Financial ServicesFBIZ
$26.38M+0.4%

Segments

By segment

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General Banking Unit$29.98M+3.0%

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$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:InterestExpenseOperating.

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
Deposits27,72328,30154,25255,636
Borrowings37170371140
Subordinated debt1,8847393,7481,472
Total interest expense29,97829,11058,37157,248
Net interest income48,06440,34393,94178,582
Provision for credit losses1,4632,4115,6023,391
Net interest income after provision for credit losses46,60137,93288,33975,191
Noninterest income:

Item 1. Consolidated Financial Statements (Unaudited)

FAQ

What is SmartFinancial's interest expense?
SmartFinancial (SMBK) reported interest expense of $29.98M in Q2 2026.
How has SmartFinancial's interest expense changed year-over-year?
SmartFinancial's interest expense increased by 3.0% year-over-year, from $29.11M to $29.98M.
What is the long-term trend for SmartFinancial's interest expense?
Over 4 years (2021 to 2025), SmartFinancial's interest expense has grown at a 78.4% compound annual growth rate (CAGR), from $11.84M to $119.87M.
What does interest expense mean?
Cost of borrowing — interest paid or accrued on bonds, bank loans, credit facilities, finance leases, and other debt obligations.

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