SmartFinancial, Inc.
SMBK · NASDAQ
9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | |
|---|---|---|---|---|
| Revenue | $79,200 | $78,351 | $74,973 | $75,126 |
| % Growth | 1.1% | 4.5% | -0.2% | – |
| Cost of Goods Sold | $32,315 | $31,521 | $29,117 | $30,448 |
| Gross Profit | $46,885 | $46,830 | $45,856 | $44,678 |
| % Margin | 59.2% | 59.8% | 61.2% | 59.5% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $20,569 | $20,594 | $20,194 | $20,577 |
| SG&A Expenses | $21,023 | $20,984 | $20,576 | $20,974 |
| Sales & Mktg Exp. | $454 | $390 | $382 | $397 |
| Other Operating Expenses | $8,891 | $11,585 | $11,720 | $11,317 |
| Operating Expenses | $29,914 | $32,569 | $32,296 | $32,291 |
| Operating Income | $16,971 | $14,261 | $13,560 | $12,387 |
| % Margin | 21.4% | 18.2% | 18.1% | 16.5% |
| Other Income/Exp. Net | $0 | $0 | $0 | $0 |
| Pre-Tax Income | $16,971 | $14,261 | $13,560 | $12,387 |
| Tax Expense | $3,285 | $2,556 | $2,306 | $2,746 |
| Net Income | $13,686 | $11,705 | $11,254 | $9,641 |
| % Margin | 17.3% | 14.9% | 15% | 12.8% |
| EPS | 0.82 | 0.7 | 0.67 | 0.57 |
| % Growth | 17.1% | 4.5% | 17.5% | – |
| EPS Diluted | 0.81 | 0.69 | 0.67 | 0.57 |
| Weighted Avg Shares Out | 16,781 | 16,779 | 16,768 | 16,769 |
| Weighted Avg Shares Out Dil | 16,909 | 16,879 | 16,872 | 16,875 |
| Supplemental Information | – | – | – | – |
| Interest Income | $74,518 | $69,453 | $66,376 | $66,096 |
| Interest Expense | $32,088 | $29,110 | $28,138 | $28,313 |
| Depreciation & Amortization | $2,496 | $2,715 | $2,737 | $2,691 |
| EBITDA | $19,467 | $16,976 | $16,297 | $15,078 |
| % Margin | 24.6% | 21.7% | 21.7% | 20.1% |