SmartFinancial, Inc. (SMBK)

NYSE: SMBK · National Commercial Banks · Knoxville, TN · filing with the SEC since 1997

Grade4.3

◀ Past 2.4● Present 5.0▶ Future 6.1

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Income statement, as filed

In US dollars (USD), as filed; per-share figures in US dollars; share counts. The fiscal year ends in December.

Income statement, by fiscal year, newest first
Fiscal year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Report filed	Mar 16, 2026	Mar 17, 2025	Mar 15, 2024	Mar 16, 2023	Mar 14, 2022	Mar 16, 2021	Mar 12, 2020	Mar 18, 2019	Mar 16, 2018	Mar 31, 2017
For lenders
Interest and dividend income	285,972,000	251,119,000	218,043,000	158,834,000	125,232,000	117,613,000	108,455,000	92,210,000^r	52,022,396	42,564,391
Interest expense on deposits and borrowings	119,868,000	113,769,000	87,963,000	21,333,000	·	·	·	·	·	·
Net interest income	166,104,000	137,350,000	130,080,000	137,501,000	113,394,000	100,866,000	83,880,000	76,644,000^r	46,329,043	38,264,709
Provision for credit losses	6,700,000	5,100,000	3,755,000^r	4,018,000	1,633,000	8,683,000	2,599,000	2,936,000^r	782,687	787,545
Net interest income after provision	158,354,000	132,197,000	127,051,000	133,483,000	111,761,000	92,183,000	81,281,000	73,708,000^r	45,546,356	37,477,164
Noninterest income	34,352,000	34,152,000	22,325,000	27,715,000	23,949,000	15,426,000	15,315,000	6,584,000^r	5,027,288^r	4,183,325
Noninterest expense	131,205,000	120,890,000	113,150,000	106,290,000	91,391,000	76,719,000	63,151,000	58,957,000^r	39,129,789^r	32,499,601
Interest expense	·	·	87,963,000	21,333,000	11,838,000	16,747,000	24,575,000	15,566,000^r	5,693,353	4,299,682
Income before income taxes	61,501,000	45,459,000	36,226,000	54,908,000	44,319,000	30,890,000	33,445,000	21,335,000^r	11,443,855	9,160,888
Income tax expense	11,154,000	9,318,000	7,633,000	11,886,000	9,529,000	6,558,000	6,897,000	3,233,000^r	6,428,791	3,362,080
Net income including non-controlling interests	50,347,000	36,141,000	28,593,000	43,022,000	34,790,000	24,332,000	26,548,000	·	·	·
Net income	·	36,141,000	28,593,000	43,022,000	34,790,000	24,332,000	26,548,000	18,102,000^r	5,015,064	5,798,808
Preferred dividends	·	·	·	·	·	·	·	0	195,000	1,000,000^r
Net income to common shareholders	50,347,000	36,141,000	28,593,000	43,022,000	34,790,000	24,332,000	26,548,000	18,102,000^r	4,820,064	4,776,808
Earnings per share, basic	3.00	2.16	1.70	2.57	2.23	1.63	1.90	1.46	0.56	0.82
Earnings per share, diluted	2.98	2.14	1.69	2.55	2.22	1.62	1.89	1.45	0.55	0.78
Weighted average shares, basic	16,779,019	16,768,956	16,805,068	16,740,450	15,572,537	14,955,423	13,953,497	12,423,618	8,639,212	5,838,574
Weighted average shares, diluted	16,896,519	16,875,456	16,911,185	16,871,369	15,699,215	15,019,175	14,046,366	12,517,640	8,793,527	6,118,943
Weighted average shares, basic and diluted	·	·	·	·	·	15,019,175	14,046,366	12,517,640	8,793,527	6,118,943

As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.A dot is a line not tagged for that period. ^r restated by the company in a later report; ^b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.

What each line is, and the XBRL concept behind it

Interest and dividend income what its loans and securities earnedus-gaap:InterestIncomeOperating

Interest expense on deposits and borrowings what it paid for the money it lendsus-gaap:InterestExpenseOperating

Net interest income interest earned less interest paidus-gaap:InterestIncomeExpenseNet

Provision for credit losses set aside for loans that may not be repaid

us-gaap:ProvisionForLoanLossesExpensed
us-gaap:ProvisionForLoanAndLeaseLosses

Net interest income after provision interest income left after the provisionus-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss

Noninterest income fees and other income that is not interestus-gaap:NoninterestIncome

Noninterest expense salaries, buildings and the other costs of running the bankus-gaap:NoninterestExpense

Interest expense what its borrowing costus-gaap:InterestExpense

Income before income taxes profit before taxus-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest

Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit

Net income including non-controlling interests the whole group's profit, minority holders' share includedus-gaap:ProfitLoss

Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss

Preferred dividends paid to preferred holders before common shareholdersus-gaap:PreferredStockDividendsIncomeStatementImpact

Net income to common shareholders what is left for common shareholdersus-gaap:NetIncomeLossAvailableToCommonStockholdersBasic

Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic

Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted

Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic

Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

Weighted average shares, basic and diluted the average count, where both counts are the sameus-gaap:WeightedAverageNumberOfShareOutstandingBasicAndDiluted

SI Assistanton SMBK · research, not advice