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SmartFinancial SMBK Net Interest Income

Net Interest Income at other companies

First Horizon logo
First HorizonFHN
$667M+5.7%
Regions Financial logo
Regions FinancialRF
$1.25B+4.5%
Financial Institutions logo
Financial InstitutionsFISI
$51.99M+10.9%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$42.82M+3.1%
First Commonwealth Financial logo
First Commonwealth FinancialFCF
$108.97M+14.1%
Trico Bancshares logo
Trico BancsharesTCBK
$91.23M+10.5%

Segments

By segment

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General Banking Unit$45.88M+20.0%

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×

Where this comes from

Reported directly by SmartFinancial in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseNet.

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 net interest income?
SmartFinancial (SMBK) reported net interest income of $45.88M in Q1 2026.
How has SmartFinancial's net interest income changed year-over-year?
SmartFinancial's net interest income increased by 20.0% year-over-year, from $38.24M to $45.88M.
What is the long-term trend for SmartFinancial's net interest income?
Over 4 years (2021 to 2025), SmartFinancial's net interest income has grown at a 10.0% compound annual growth rate (CAGR), from $113.39M to $166.1M.
What does net interest income mean?
The difference between the interest earned on loans and investment assets and the interest paid on deposits and other borrowings. This is the core measure of a bank's profitability from its primary lending and deposit-taking activities. It serves as a key indicator of the bank's ability to manage its interest rate spread and asset-liability mix.