15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →
| FY | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | — | $50M | — | — | 9.1% | 0.9% | $59M | $3M | $464M |
| 2024 | — | $36M | — | — | 7.4% | 0.7% | $46M | $8M | $388M |
| 2023 | — | $29M | — | — | 6.2% | 0.6% | $33M | $13M | $352M |
| 2022 | — | $43M | — | — | 9.9% | 0.9% | $44M | $42M | $266M |
| 2021 | — | $35M | — | — | 8.1% | 0.8% | $44M | $88M | $1.0B |
| 2020 | — | $24M | — | — | 6.8% | 0.7% | $24M | $81M | $482M |
| 2019 | — | $27M | — | — | 8.5% | 1.1% | $24M | $32M | $184M |
| 2018 | — | $18M | — | — | 6.4% | 0.8% | $17M | — | $116M |
| 2017 | — | $5M | — | — | 2.4% | 0.3% | -$2M | — | $113M |
| 2016 | — | $6M | — | — | 5.5% | 0.5% | — | — | $69M |
| 2015 | — | $2M | — | — | 1.5% | 0.1% | — | — | $80M |
| 2014 | — | $2M | — | — | 3.3% | 0.3% | — | — | $47M |
| 2013 | — | $2M | — | — | 3.2% | 0.4% | — | — | $79M |
| 2012 | — | $1M | — | — | 3.4% | 0.3% | $5M | — | $59M |
| 2011 | — | $1M | — | — | 2.9% | 0.2% | $3M | — | $39M |
| Quarter | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| Jun '26 | — | $16M | — | — | 2.8% | 0.3% | $22M | $603000 | $379M |
| Mar '26 | — | $14M | — | — | 2.4% | 0.2% | $10M | $3M | $346M |
| Dec '25 | — | $14M | — | — | 2.5% | 0.2% | $16M | $3M | $464M |
| Sep '25 | — | $14M | — | — | 2.5% | 0.2% | $17M | $1M | $557M |
| Jun '25 | — | $12M | — | — | 2.3% | 0.2% | $13M | $7M | $365M |
| Mar '25 | — | $11M | — | — | 2.2% | 0.2% | $13M | $8M | $423M |
| Dec '24 | — | $10M | — | — | 2.0% | 0.2% | $15M | $8M | $388M |
| Sep '24 | — | $9M | — | — | 1.9% | 0.2% | $11M | $9M | $193M |
| Jun '24 | — | $8M | — | — | 1.7% | 0.2% | $15M | $13M | $343M |
| Mar '24 | — | $9M | — | — | 2.0% | 0.2% | $4M | $10M | $478M |
| Dec '23 | — | $6M | — | — | 1.3% | 0.1% | $9M | $13M | $352M |
| Sep '23 | — | $2M | — | — | 0.5% | 0.0% | $6M | $14M | $400M |
| Jun '23 | — | $9M | — | — | 2.0% | 0.2% | $8M | $16M | $239M |
| Mar '23 | — | $12M | — | — | 2.6% | 0.2% | $10M | $17M | $307M |
| Dec '22 | — | $13M | — | — | 3.0% | 0.3% | $13M | $42M | $266M |
| Sep '22 | — | $12M | — | — | 2.8% | 0.2% | $10M | $18M | $543M |
| Jun '22 | — | $10M | — | — | 2.4% | 0.2% | $11M | $13M | $655M |
| Mar '22 | — | $8M | — | — | 2.0% | 0.2% | $10M | $37M | $764M |
| Dec '21 | — | $7M | — | — | 1.5% | 0.1% | -$1M | $88M | $1.0B |
| Sep '21 | — | $10M | — | — | 2.3% | 0.2% | $15M | $89M | $1.1B |
How the market has priced SMBK against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.
See the revenue and net-income charts above for SMARTFINANCIAL INC.'s multi-year trend.
As of FY2025, SMARTFINANCIAL INC. reported $3M of total debt against $464M of cash.
In FY2025, gross margin was —, operating margin —, and net margin —.
As of Sep '26, SMARTFINANCIAL INC. traded at a price-to-earnings ratio of about 17.6× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. These are computed facts, not advice.
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.