SmartFinancial (SMBK) earnings

SMARTFINANCIAL INC.· Financials

Results to: Dec 2024
Latest analysed call: Sep 2026 (Q3 FY26)
Balance sheet to: Dec 2025

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SmartFinancial earnings: last reported Tue, 20 Oct 2026, for the quarter ended Sep 2026.

Reported

The figures, each with its period

Each figure keeps its basis and period; nothing is filled in.

Metric	Value	Change	Basis	Period	Note
Revenue	Unavailable	—	Quarterly, as filed	Quarter to Dec 2024	Not in the filed figures for the quarter to dec 2024. No older figure is substituted.
Operating margin	Unavailable	—	Operating profit / revenue	Quarter to Dec 2024	Not in the filed figures for the quarter to dec 2024. No older figure is substituted.
Net profit	9.6 $ million	+55.7% YoY	Quarterly, as filed	Quarter to Dec 2024	Profit after tax as filed.

Source: Inve data from filed results (SEC filings) · to Dec 2024

Price

$49.34 +0.24% · +$0.12

Last close Oct 23, 2026 · US · USD · Source: Inve

Performance +36.1% 1Y

1Y: $36.26 on 22 Oct 2025 → $49.34. High $53.23 (4 Aug 2026), low $34.53 (23 Oct 2025).

Previous close: $49.22
52-week range: $34.53 – $53.23
One year: +42.89%

Overview

Symbol: SMBK
Sector: Financials
Exchange: US
Currency: USD

Financials

What the filings say

Net profit, year on year: +56% (quarter to dec 2024 against dec 2023).

In $ million. Oldest period first.

Line item	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Interest	17	21	24	26	28	—	—	—
Profit before tax	15	11	2	8	12	10	11	12
Tax rate	22.4%	21.0%	13.4%	20.9%	21.9%	22.6%	15.0%	22.2%
Net profit	12	9	2	6	9	8	9	10
EPS ($ per share)	0.69	0.53	0.12	—	0.56	0.48	0.55	—

Source: Inve data · income statement, quarterly · to Dec 2024

In $ million. Oldest period first.

Line item	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Equity capital	14	14	15	17	17	17	17	17
Reserves	40	66	87	118	157	173	204	249
Total liabilities	1,991	2,136	2,948	4,182	4,205	4,370	4,784	5,308
Fixed assets	56	59	73	86	93	93	91	88
Total assets	2,274	2,449	3,305	4,612	4,637	4,829	5,276	5,861

Source: Inve data · balance sheet · to Dec 2025

In $ million. Oldest period first.

Line item	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash from operations	21	30	29	46	57	40	53	62
Cash from investing	-95	-95	-259	-265	-841	-135	-420	-499
Cash from financing	77	133	528	782	5	181	403	514
Net cash flow	3	68	298	563	-779	86	35	77
Capital expenditure	-4	-6	-5	-2	-12	-6	-6	-2
Free cash flow	17	24	24	44	44	33	46	59

Source: Inve data · cash flow · to Dec 2025

Insider filings

37 filings between Nov 18, 2025 and Sep 14, 2026.

Open market

decisions to buy or sell

Purchases

$315.7K

5 purchases by 4 insiders

Sales

$486.2K

6 sales by 2 insiders

Compensation

not trading decisions

15: Award — granted as compensation
6: Tax withheld — shares kept back by the company to cover tax

Also filed: 5 gifts.

Who traded

open market only

Insider	Bought	Sold	Last filing
Tucker Steven B.	—	$403.9K	Dec 10, 2025
Barrett Victor Lynn	$131.3K	—	Jun 10, 2026
Ackermann Cathy G	$126.4K	—	Jun 4, 2026
Jordan Rhett D.	—	$82.3K	Sep 14, 2026
Welborn Wesley Miller	$36.0K	—	Feb 9, 2026
Shomaker Kelli D	$22.0K	—	May 4, 2026

Latest filings (50)

Date	Insider	What	Shares	Value
Sep 14, 2026	Jordan Rhett D. EVP & CHIEF CREDIT OFFICER	Sale	230	$12.0K
Aug 4, 2026	Jordan Rhett D. EVP & CHIEF CREDIT OFFICER	Sale	430	$22.7K
Jun 12, 2026	Jordan Rhett D. EVP & CHIEF CREDIT OFFICER	Sale	400	$18.0K
Jun 10, 2026	Barrett Victor Lynn Director	Purchase	3,000	$131.3K
Jun 4, 2026	Ackermann Cathy G Director	Purchase	3,000	$126.4K
May 19, 2026	Wolpert Geoffrey Alan Director	Gift	31,118	$0
May 19, 2026	Wolpert Geoffrey Alan Director	Gift	31,118	$0
May 18, 2026	Wolpert Geoffrey Alan Director	Gift	24,849	$0
May 4, 2026	Shomaker Kelli D Director	Purchase	290	$12.0K
May 1, 2026	Wolpert Geoffrey Alan Director	Gift	23,721	$0
May 1, 2026	Wolpert Geoffrey Alan Director	Gift	23,721	$0
Apr 24, 2026	Jordan Rhett D. EVP & CHIEF CREDIT OFFICER	Sale	500	$20.9K
Mar 10, 2026	Cain Cynthia A CAO - CHIEF ACCOUNTING OFFICER	Award	2,052	$0
Mar 10, 2026	Boyd Rebecca C CPO - CHIEF PEOPLE OFFICER	Award	1,913	$0
Mar 10, 2026	Welborn Wesley Miller CHAIRMAN OF THE BOARD	Award	3,542	$0
Mar 10, 2026	Gorczynski Ronald J EVP & CHIEF FINANCIAL OFFICER	Award	3,752	$0
Mar 10, 2026	Carroll William Young Jr. PRESIDENT AND CEO	Award	9,450	$0
Mar 10, 2026	Jordan Rhett D. EVP & CHIEF CREDIT OFFICER	Award	3,414	$0
Mar 10, 2026	Schrodt Martin E EVP, Chief Banking Officer	Award	1,998	$0
Mar 10, 2026	Trumpp Jarrod M Chief Risk Officer	Award	990	$0
Feb 9, 2026	Welborn Wesley Miller CHAIRMAN OF THE BOARD	Purchase	835	$36.0K
Jan 29, 2026	Barrett Victor Lynn Director	Award	808	$0
Jan 29, 2026	Shomaker Kelli D Director	Award	808	$0
Jan 29, 2026	Wolpert Geoffrey Alan Director	Award	808	$0
Jan 29, 2026	Ogle David Austin Director	Award	808	$0
Jan 29, 2026	Ackermann Cathy G Director	Award	808	$0
Jan 29, 2026	Whaley Keith Edward Director	Award	808	$0
Jan 29, 2026	Tucker Steven B. Director	Award	808	$0
Jan 27, 2026	Shomaker Kelli D Director	Purchase	255	$10.0K
Jan 1, 2026	Gorczynski Ronald J EVP & CHIEF FINANCIAL OFFICER	Tax withheld	842	$31.1K
Jan 1, 2026	Carroll William Young Jr. PRESIDENT AND CEO	Tax withheld	1,807	$66.8K
Jan 1, 2026	Jordan Rhett D. EVP & CHIEF CREDIT OFFICER	Tax withheld	816	$30.2K
Jan 1, 2026	Cain Cynthia A CAO - CHIEF ACCOUNTING OFFICER	Tax withheld	445	$16.5K
Jan 1, 2026	Welborn Wesley Miller CHAIRMAN OF THE BOARD	Tax withheld	1,305	$48.3K
Jan 1, 2026	Boyd Rebecca C CPO - CHIEF PEOPLE OFFICER	Tax withheld	445	$16.5K
Dec 10, 2025	Tucker Steven B. Director	Sale	10,625	$403.9K
Nov 18, 2025	Jordan Rhett D. EVP & CHIEF CREDIT OFFICER	Sale	250	$8.8K
Jul 24, 2025	Trumpp Jarrod M Chief Risk Officer	Award	2,000	$0
Jul 24, 2025	Shomaker Kelli D Director	Award	767	$0
Mar 14, 2025	Carroll William Young Jr. PRESIDENT AND CEO	Tax withheld	471	$14.9K
Feb 3, 2025	Welborn Wesley Miller CHAIRMAN OF THE BOARD	Purchase	1,162	$40.4K
Jan 29, 2025	Gorczynski Ronald J EVP & CHIEF FINANCIAL OFFICER	Award	5,000	$0
Jan 29, 2025	Cain Cynthia A CAO - CHIEF ACCOUNTING OFFICER	Award	761	$0
Jan 29, 2025	Cain Cynthia A CAO - CHIEF ACCOUNTING OFFICER	Award	2,500	$0
Jan 29, 2025	Jordan Rhett D. EVP & CHIEF CREDIT OFFICER	Award	1,211	$0
Jan 29, 2025	Schrodt Martin E EVP, Chief Banking Officer	Award	707	$0
Jan 29, 2025	Schrodt Martin E EVP, Chief Banking Officer	Award	2,500	$0
Jan 29, 2025	Boyd Rebecca C CPO - CHIEF PEOPLE OFFICER	Award	677	$0
Jan 29, 2025	Boyd Rebecca C CPO - CHIEF PEOPLE OFFICER	Award	2,500	$0
Jan 29, 2025	Welborn Wesley Miller CHAIRMAN OF THE BOARD	Award	1,295	$0

Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.

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