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Fee income at other companies

First Commonwealth Financial logo
First Commonwealth FinancialFCF
$3.09M-0.4%

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:InsuranceCommissionsAndFees.

The source filing: SmartFinancial’s 10-K, filed March 16, 2026.

Filed
Mar 16, 2026, 4:46 PM EDT
Fiscal year
FY2025
Accession
0001104659-26-028542
Line item202520242023
Gain (loss) on sale of securities, net(3,719)64(6,801)
Mortgage banking2,6731,5791,040
Investment services6,5825,9455,105
Insurance commissions4,0165,6964,684
Interchange and debit card transaction fees, net5,2755,2775,457
Gain on sale of SBK Insurance ("SBKI")3,955
Other8,4098,7296,329
Total noninterest income34,35234,15222,325

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

What is SmartFinancial's fee income?
SmartFinancial (SMBK) reported fee income of $1K in Q4 2025.
How has SmartFinancial's fee income changed year-over-year?
SmartFinancial's fee income decreased by 99.9% year-over-year, from $1.83M to $1K.
What is the long-term trend for SmartFinancial's fee income?
Over 4 years (2021 to 2025), SmartFinancial's fee income has grown at a 5.2% compound annual growth rate (CAGR), from $3.29M to $4.02M.
What does fee income mean?
Represents the revenue generated from insurance-related products and services sold to customers. This income stream reflects the bank's ability to diversify its non-interest revenue beyond traditional lending activities.

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