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SmartFinancial SMBK Total Interest Expense

Total Interest Expense at other companies

First Horizon logo
First HorizonFHN
$19M-13.6%
Regions Financial logo
Regions FinancialRF
$52M-32.5%
Civista Bancshares logo
Civista BancsharesCIVB
$15.89M+2.2%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$6.93M-6.4%
Financial Institutions logo
Financial InstitutionsFISI
$1.7M+8.8%
First Business Financial Services logo
First Business Financial ServicesFBIZ
$23.93M+4.0%

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:InterestExpenseDeposits.

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
Federal funds sold and other earning assets2,2093,1614,7936,647
Total interest income78,04269,453152,312135,830
Interest expense:
Deposits27,72328,30154,25255,636
Borrowings37170371140
Subordinated debt1,8847393,7481,472
Total interest expense29,97829,11058,37157,248
Net interest income48,06440,34393,94178,582

Item 1. Consolidated Financial Statements (Unaudited)

FAQ

What is SmartFinancial's total interest expense?
SmartFinancial (SMBK) reported total interest expense of $27.72M in Q2 2026.
How has SmartFinancial's total interest expense changed year-over-year?
SmartFinancial's total interest expense decreased by 2.0% year-over-year, from $28.3M to $27.72M.
What is the long-term trend for SmartFinancial's total interest expense?
Over 4 years (2021 to 2025), SmartFinancial's total interest expense has grown at a 89.8% compound annual growth rate (CAGR), from $8.85M to $114.75M.
What does total interest expense mean?
The aggregate cost incurred by the bank on all interest-bearing liabilities, including customer deposits, wholesale borrowings, and subordinated debt. This metric measures the bank's cost of funding its operations and is a primary driver of net interest margin. Monitoring this helps assess the bank's sensitivity to interest rate fluctuations and its ability to manage funding costs.

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