SmartFinancial (SMBK)
Runs a Southeast community bank focused on deposits, commercial lending, and equipment finance.
$51.14
Pre-market+0.20 (+0.39%)
At close$50.94(+1.88%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 56 | 65 | 68 | 69 | 73 | 75 | 75 | 78 | 79 | 84 | 82 | 86 |
| Cost of revenue | 25 | 28 | 28 | 29 | 31 | 30 | 29 | 32 | 32 | 31 | 28 | 31 |
| Gross profit | 31 | 38 | 41 | 40 | 42 | 45 | 46 | 47 | 47 | 53 | 54 | 54 |
| 29 | 30 | 29 | 29 | 31 | 32 | 32 | 33 | 30 | 37 | 37 | 34 | |
| 18 | 18 | 18 | 18 | 20 | 21 | 21 | 21 | 21 | 32 | 21 | 24 | |
| Selling & marketing | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| General & administrative | 18 | 17 | 18 | 18 | 19 | 21 | 20 | 21 | 21 | 32 | 20 | 24 |
| Other expenses | 11 | 12 | 11 | 11 | 11 | 11 | 12 | 12 | 9 | 5 | 16 | 10 |
| Operating income | 2 | 8 | 12 | 10 | 11 | 12 | 14 | 14 | 17 | 17 | 17 | 21 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Interest income | 55 | 57 | 60 | 61 | 64 | 66 | 66 | 69 | 75 | 76 | 74 | 78 |
| Interest expense | 24 | 26 | 28 | 28 | 29 | 28 | 28 | 29 | 32 | 31 | 28 | 30 |
| Income before tax | 2 | 8 | 12 | 10 | 11 | 12 | 14 | 14 | 17 | 17 | 17 | 21 |
| Income tax expense | 0 | 2 | 3 | 2 | 2 | 3 | 2 | 3 | 3 | 3 | 3 | 4 |
| Net income from continuing operations | 2 | 6 | 9 | 8 | 9 | 10 | 11 | 12 | 14 | 14 | 14 | 16 |
| Net income | 2 | 6 | 9 | 8 | 9 | 10 | 11 | 12 | 14 | 14 | 14 | 16 |
| EPS, basic | $0.12 | $0.37 | $0.56 | $0.48 | $0.55 | $0.57 | $0.67 | $0.70 | $0.82 | $0.82 | $0.81 | $0.97 |
| EPS, diluted | $0.12 | $0.37 | $0.55 | $0.48 | $0.54 | $0.57 | $0.67 | $0.69 | $0.81 | $0.81 | $0.81 | $0.96 |
| Weighted average shares, basic | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 17 |
| Weighted average shares, diluted | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 17 | 17 |
| EBITDA | 6 | 11 | 15 | 13 | 14 | 15 | 16 | 17 | 19 | 17 | 17 | 21 |
| Depreciation & amortization | 4 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 2 | 0 | 0 | 0 |
| EBIT | 2 | 8 | 12 | 10 | 11 | 12 | 14 | 14 | 17 | 17 | 17 | 21 |