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SmartFinancial SMBK Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

First Horizon logo
First HorizonFHN
$652M+10.3%
Regions Financial logo
Regions FinancialRF
$1.16B+8.1%
Financial Institutions logo
Financial InstitutionsFISI
$49.75M+13.2%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$42.11M+3.3%
First Commonwealth Financial logo
First Commonwealth FinancialFCF
$98.24M+9.4%
Trico Bancshares logo
Trico BancsharesTCBK
$87.9M+11.5%

Segments

By segment

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General Banking Unit$41.74M+12.0%

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 / equity0×0.0×

Where this comes from

Reported directly by SmartFinancial in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss.

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 (after provisions)?
SmartFinancial (SMBK) reported net interest income (after provisions) of $41.74M in Q1 2026.
How has SmartFinancial's net interest income (after provisions) changed year-over-year?
SmartFinancial's net interest income (after provisions) increased by 12.0% year-over-year, from $37.26M to $41.74M.
What is the long-term trend for SmartFinancial's net interest income (after provisions)?
Over 4 years (2021 to 2025), SmartFinancial's net interest income (after provisions) has grown at a 9.1% compound annual growth rate (CAGR), from $111.76M to $158.36M.
What does net interest income (after provisions) mean?
Net interest income adjusted for the provision for loan and lease losses, which represents the bank's estimate of potential credit defaults. This metric provides a more accurate view of the bank's sustainable earnings after accounting for the inherent risk in its loan portfolio. It is a critical measure for assessing the quality of the bank's credit underwriting.