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SmartFinancial SMBK Business Segments — Fees And Commissions Debit Cards1

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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+48.3%
Enterprise value$455.43M+264%
P/E15×+1.0×
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:FeesAndCommissionsDebitCards1.

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 business segments — fees and commissions debit cards1?
SmartFinancial (SMBK) reported business segments — fees and commissions debit cards1 of $1.42M in Q1 2026.
How has SmartFinancial's business segments — fees and commissions debit cards1 changed year-over-year?
SmartFinancial's business segments — fees and commissions debit cards1 increased by 16.2% year-over-year, from $1.22M to $1.42M.
What is the long-term trend for SmartFinancial's business segments — fees and commissions debit cards1?
Over 3 years (2022 to 2025), SmartFinancial's business segments — fees and commissions debit cards1 has grown at a -1.0% compound annual growth rate (CAGR), from $5.44M to $5.28M.
What does business segments — fees and commissions debit cards1 mean?
Captures the interchange and service fees earned from customer debit card transactions. This is a recurring, volume-driven revenue stream that reflects the bank's retail customer engagement and transaction activity levels.