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SmartFinancial SMBK Interest Expense Borrowings Excluding Subordinated Debt

Interest Expense Borrowings Excluding Subordinated Debt at other companies

FB Financial logo
FB FinancialFBK
$1.51M-17.0%
Ameris Bancorp logo
Ameris BancorpABCB
$11.11M+65.2%
STB
S&T BancorpSTBA
$2.21M-30.3%
NBT
NBT BancorpNBTB
$441K+65.8%
Eastern Bankshares, Inc. logo
Eastern Bankshares, Inc.EBC
$4.46M+451%
Community Financial System logo
Community Financial SystemCBU
$5.9M-27.6%

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 smbk:InterestExpenseBorrowingsExcludingSubordinatedDebt.

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 interest expense borrowings excluding subordinated debt?
SmartFinancial (SMBK) reported interest expense borrowings excluding subordinated debt of $1K in Q1 2026.
How has SmartFinancial's interest expense borrowings excluding subordinated debt changed year-over-year?
SmartFinancial's interest expense borrowings excluding subordinated debt decreased by 98.6% year-over-year, from $70K to $1K.
What is the long-term trend for SmartFinancial's interest expense borrowings excluding subordinated debt?
Over 3 years (2022 to 2025), SmartFinancial's interest expense borrowings excluding subordinated debt has grown at a -36.4% compound annual growth rate (CAGR), from $602K to $155K.
What does interest expense borrowings excluding subordinated debt mean?
Interest costs associated with short-term or long-term debt obligations that do not carry a subordinated status. This excludes interest paid on customer deposits and subordinated notes, focusing specifically on senior debt instruments used for liquidity or capital management. It provides insight into the bank's reliance on non-deposit funding sources.