Income statement
USD
Annual
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 316M | 285M | 240M | 187M | 149M |
| Gross Profit | 193M | 166M | 149M | 161M | 136M |
| Operating Income | 62M | 45M | 36M | 55M | 44M |
| EBITDA | 70M | 57M | 50M | 68M | 53M |
| Net Income | 50M | 36M | 29M | 43M | 35M |
| EPS (Diluted) | — | — | — | — | — |
Financial Services
Live Price
Offline$44.65
+0.16% today
1Y Change
+39.66%
Window
Jun 23, 2025 → Jun 12, 2026
Coverage: 245 bars · Jun 23, 2025 → Jun 12, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
SmartFinancial, Inc. (SMBK) is a Financial Services stock with a market cap of $720.00M and listed on NYSE. The stock last traded around $44.65 and up 39.7% across the available one-year price window (Jun 23, 2025 → Jun 12, 2026). Baseline metrics include revenue growth of +10.9%, EPS growth of +39.4%, a dividend yield of 0.8%. What stands out right now is revenue +10.9%, EPS +39.4%, free cash flow +28.2% with operating margin 20.0% and ROIC 7.9%. The dividend is present but secondary, with a yield around 0.8%. Valuation is more restrained than many high-expectation growth names at P/E 13.5 and price/sales 2.2. Stock Foundry combines SMBK price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
SMBK
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
SMBK Max Drawdown
-13.44%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for SMBK and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$149.2M
-20.0% YoY
FY Net Income
$34.8M
-19.1% YoY
Free Cash Flow
$43.8M
-1.1% YoY
Revenue Growth
+10.9%
EPS Growth
+39.4%
Gross Margin
62.1%
Net Margin
16.3%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 316M | 285M | 240M | 187M | 149M |
| Gross Profit | 193M | 166M | 149M | 161M | 136M |
| Operating Income | 62M | 45M | 36M | 55M | 44M |
| EBITDA | 70M | 57M | 50M | 68M | 53M |
| Net Income | 50M | 36M | 29M | 43M | 35M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 384M | 374M | 295M | 251M | 1.0B |
| Total Assets | 5.9B | 5.3B | 4.8B | 4.6B | 4.6B |
| Total Liabilities | 5.3B | 4.8B | 4.4B | 4.2B | 4.2B |
| Shareholder Equity | 552M | 491M | 460M | 432M | 429M |
| Total Debt | 102M | 48M | 55M | 84M | 142M |
| Net Debt | -282M | -326M | -240M | -167M | -866M |
Cash flow positioning
Latest Full Year
Operating Cash Flow
46M
-18.7% YoY
Capital Expenditures
2M
+81.0% YoY
Free Cash Flow
44M
-1.1% YoY
Key ratios
Gross Margin
62.1%
Operating Margin
20.0%
Net Margin
16.3%
ROE
9.7%
Debt / Equity
0.18x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.