SmartFinancial, Inc. (SMBK) Earnings History
Growth Compounder25 years of earnings data (2001–2025) · Consistent double-digit EPS growth over 5 years
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SmartFinancial, Inc. (SMBK) Earnings Overview
As of July 8, 2026, SmartFinancial, Inc. (SMBK) reported trailing twelve-month net income of $53M, reflecting +39.3% year-over-year growth. The company earned $3.12 per diluted share over the past four quarters, with a net profit margin of 15.9%.
Looking at the long-term picture, SMBK's 5-year EPS compound annual growth rate (CAGR) stands at +13.0%, showing solid earnings momentum. The company achieved its highest annual net income of $570M in fiscal 2001.
SmartFinancial, Inc. maintains industry-leading profitability with a gross margin of 61.0%, operating margin of 19.4%, and net margin of 15.9%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including SFBS ($296M net income, 27.2% margin), HOMB ($478M net income, 34.6% margin), SRCE ($161M net income, 26.4% margin), SMBK has room to improve margins relative to the peer group. Compare SMBK vs SFBS →
SMBK Earnings vs Peers
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SMBK Historical Earnings Data (2001–2025)
25 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $50M | +39.3% | $62M | $2.98 | 15.9% | 19.4% |
| 2024 | $36M | +26.4% | $45M | $2.14 | 12.7% | 15.9% |
| 2023 | $29M | -33.5% | $36M | $1.69 | 11.9% | 15.1% |
| 2022 | $43M | +23.7% | $55M | $2.55 | 23.1% | 29.4% |
| 2021 | $35M | +43.0% | $44M | $2.22 | 23.3% | 29.7% |
| 2020 | $24M | -8.3% | $31M | $1.62 | 18.3% | 23.2% |
| 2019 | $27M | +46.7% | $33M | $1.89 | 23.1% | 29.0% |
| 2018 | $18M | +261.0% | $21M | $1.43 | 18.7% | 22.1% |
| 2017 | $5M | -13.5% | $11M | $0.56 | 9.0% | 20.6% |
| 2016 | $6M | +284.1% | $9M | $0.78 | 12.7% | 20.1% |
| 2015 | $2M | -17.6% | $3M | $0.25 | 5.2% | 10.8% |
| 2014 | $2M | +9.0% | $3M | $0.04 | 8.6% | 13.8% |
| 2013 | $2M | +19.9% | $3M | $0.08 | 8.2% | 13.4% |
| 2012 | $1M | +36.1% | $2M | $0.08 | 6.9% | 9.7% |
| 2011 | $1M | +121.9% | $1M | $0.20 | 4.8% | 5.6% |
| 2010 | -$5M | +42.4% | -$6M | $-2.92 | -16.6% | -22.1% |
| 2009 | -$8M | -425.6% | -$14M | $-5.04 | -28.6% | -47.2% |
| 2008 | $3M | +188.3% | $4M | $1.52 | 7.7% | 11.7% |
| 2007 | $871,152 | -85.0% | $730,037 | $0.51 | 2.4% | 2.0% |
| 2006 | $6M | +34.4% | $9M | $3.31 | 18.6% | 29.2% |
| 2005 | $4M | +68.2% | $7M | $1.25 | 19.2% | 30.5% |
| 2004 | $3M | +36.6% | $4M | $0.89 | 16.6% | 26.9% |
| 2003 | $2M | +77.3% | $3M | $0.92 | 15.0% | 24.4% |
| 2002 | $1M | -99.8% | $2M | $0.52 | 9.9% | 16.2% |
| 2001 | $570M | - | -$3.60B | $457.52 | 288.2% | -1821.2% |
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SMBK — Frequently Asked Questions
Quick answers to the most common questions about buying SMBK stock.
What is SMBK earnings per share (EPS)?
SMBK trailing twelve-month (TTM) diluted EPS is $3.12, reflecting +39.3% year-over-year growth. The 5-year EPS CAGR is +13.0%. Complete EPS history from 2001 to 2025 is available in the table on this page.
What is SmartFinancial, Inc.'s net income?
SmartFinancial, Inc. (SMBK) trailing twelve-month net income is $53M as of 2025. Earnings grew +39.3% year-over-year. SmartFinancial, Inc. has been profitable for 15 consecutive years.
Is SMBK profitable?
Yes, SMBK is profitable with a TTM net income of $53M and a net profit margin of +15.9%. SmartFinancial, Inc. has generated profits for 15 consecutive years.
What is SMBK's earnings growth rate?
SMBK compound annual EPS growth rates (CAGR): 1-Year: +39.3%, 3-Year: +5.3%, 5-Year: +13.0%, 10-Year: +28.1%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2001 to 2025.
What are SMBK's profit margins?
SmartFinancial, Inc. net profit margin is +15.9%, operating margin is +19.4%, and gross margin is +61.0%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +9.6%.
Is SMBK growing earnings?
Yes, SMBK earnings are accelerating — EPS growth of +39.3% exceeds the 5-year CAGR of +13.0%. TTM net income reached $53M. Earnings momentum is strengthening.
What was SMBK's best earnings year?
SmartFinancial, Inc.'s highest annual net income on record is $570M, achieved in fiscal year 2001. Earnings history on this page spans 2001 to 2025 and includes all annual and quarterly figures.
What were SMBK's earnings last quarter?
SMBK's most recent reported quarter was Q1 2026. Net income was $14M with diluted EPS of $0.81. For a full breakdown of all quarters, see the quarterly earnings table on this page.