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SmartFinancial SMBK Business Segments — Interest Income Operating

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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:InterestIncomeOperating.

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 operating?
SmartFinancial (SMBK) reported business segments — interest income operating of $78.04M in Q2 2026.
How has SmartFinancial's business segments — interest income operating changed year-over-year?
SmartFinancial's business segments — interest income operating increased by 12.4% year-over-year, from $69.45M to $78.04M.
What is the long-term trend for SmartFinancial's business segments — interest income operating?
Over 3 years (2022 to 2025), SmartFinancial's business segments — interest income operating has grown at a 21.7% compound annual growth rate (CAGR), from $158.83M to $285.97M.
What does business segments — interest income operating mean?
The total interest revenue generated from lending activities, investment securities, and other interest-earning assets within the banking segment. This is a primary indicator of the scale and productivity of the bank's core asset portfolio.

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