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SmartFinancial SMBK Business Segments — Profit Loss

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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$901.43M+55.5%
Enterprise value$533.05M+138%
P/E15.7×+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:ProfitLoss.

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 itemThree Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Total noninterest expense33,95532,56966,87164,866
Income before income tax expense20,53214,26137,29527,820
Income tax expense4,2102,5567,2934,861
Net income$16,322$11,705$30,002$22,959
Earnings per common share:
Basic$0.97$0.70$1.78$1.37
Diluted$0.96$0.69$1.77$1.36
Weighted average common shares outstanding:

Item 1. Consolidated Financial Statements (Unaudited)

FAQ

What is SmartFinancial's business segments — profit loss?
SmartFinancial (SMBK) reported business segments — profit loss of $16.32M in Q2 2026.
How has SmartFinancial's business segments — profit loss changed year-over-year?
SmartFinancial's business segments — profit loss increased by 39.4% year-over-year, from $11.71M to $16.32M.
What is the long-term trend for SmartFinancial's business segments — profit loss?
Over 2 years (2023 to 2025), SmartFinancial's business segments — profit loss has grown at a 32.7% compound annual growth rate (CAGR), from $28.59M to $50.35M.
What does business segments — profit loss mean?
This metric represents the final net earnings or loss generated by the banking segment after all operating expenses, taxes, and non-operating items are accounted for. It is the ultimate indicator of the segment's financial contribution to the overall organization.

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