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SmartFinancial SMBK Business Segments — Interest Income Expense Net

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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:InterestIncomeExpenseNet.

The source filing: SmartFinancial’s 10-Q, filed August 10, 2026.

Filed
Aug 10, 2026, 5:01 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001104659-26-093447
Line itemBanking Segment / Three Months Ended June 30, 2026Banking Segment / Three Months Ended June 30, 2025Banking Segment / Six Months Ended June 30, 2026Banking Segment / Six Months Ended June 30, 2025
Interest income$78,042$69,453$152,312$135,830
Interest expense29,97829,11058,37157,248
Net interest income48,06440,34393,94178,582
Provision for credit losses1,4632,4115,6023,391
Net interest income after provision for credit losses46,60137,93288,33975,191
Noninterest income:
Service charges on deposit accounts1,8811,7663,7343,502
Gain (loss) on sale of securities, net54(4)55(4)

Item 1. Consolidated Financial Statements (Unaudited)

FAQ

What is SmartFinancial's business segments — interest income expense net?
SmartFinancial (SMBK) reported business segments — interest income expense net of $48.06M in Q2 2026.
How has SmartFinancial's business segments — interest income expense net changed year-over-year?
SmartFinancial's business segments — interest income expense net increased by 19.1% year-over-year, from $40.34M to $48.06M.
What is the long-term trend for SmartFinancial's business segments — interest income expense net?
Over 3 years (2022 to 2025), SmartFinancial's business segments — interest income expense net has grown at a 6.5% compound annual growth rate (CAGR), from $137.5M to $166.1M.
What does business segments — interest income expense net mean?
The difference between interest income earned on assets and interest expense paid on liabilities, commonly referred to as net interest income. This represents the core profitability of the bank's lending and deposit-taking operations before accounting for credit losses.

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