SmartFinancial, Inc. Detailed Financials

Full historical quarterly statements

Metric	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30
Total Revenue	85.9M	82.2M	83.8M	79.2M	78.4M	75.0M	75.1M	73.1M
Cost of Goods Sold	31.4M	28.4M	30.5M	32.3M	31.5M	29.1M	30.4M	31.5M
Gross Profit	54.5M	53.8M	53.3M	46.9M	46.8M	45.9M	44.7M	41.6M
R&D Expenses	0	0	0	0	0	0	0	0
Operating Expenses	34.0M	37.1M	36.6M	29.9M	32.6M	32.3M	32.3M	30.8M
Operating Income	20.5M	16.8M	16.7M	17.0M	14.3M	13.6M	12.4M	10.8M
Other Income / Gains	0	0	0	0	0	0	0	0
Net Income	16.3M	13.7M	13.7M	13.7M	11.7M	11.3M	9.6M	9.1M
EPS (Diluted)	0.97	0.81	0.82	0.82	0.70	0.67	0.57	0.55
Reported Currency	USD	USD	USD	USD	USD	USD	USD	USD
Gross Profit Ratio	0.634	0.655	0.636	0.592	0.598	0.612	0.595	0.569
General And Administrative Expenses	24.4M	20.4M	31.6M	20.6M	20.6M	20.2M	20.6M	19.3M
Selling And Marketing Expenses	0	387K	393K	454K	390K	382K	397K	327K
Selling General And Administrative Expenses	24.4M	20.8M	32.0M	21.0M	21.0M	20.6M	21.0M	19.6M
Other Expenses	9.6M	16.3M	4.6M	8.9M	11.6M	11.7M	11.3M	11.2M
Cost And Expenses	65.4M	65.4M	67.1M	62.2M	64.1M	61.4M	62.7M	62.3M
Interest Income	78.0M	74.3M	75.6M	74.5M	69.5M	66.4M	66.1M	64.0M
Interest Expense	30.0M	28.4M	30.5M	32.1M	29.1M	28.1M	28.3M	28.9M
Depreciation And Amortization	0	457K	479K	2.5M	2.7M	2.7M	2.7M	2.8M
Ebitda	20.5M	17.2M	17.2M	19.5M	17.0M	16.3M	15.1M	13.6M
Ebitdaratio	0.239	0.209	0.205	0.246	0.217	0.217	0.201	0.186
Operating Income Ratio	0.239	0.204	0.199	0.214	0.182	0.181	0.165	0.147
Income Before Tax	20.5M	16.8M	16.7M	17.0M	14.3M	13.6M	12.4M	10.8M
Income Before Tax Ratio	0.239	0.204	0.199	0.214	0.182	0.181	0.165	0.147
Income Tax Expense	4.2M	3.1M	3.0M	3.3M	2.6M	2.3M	2.7M	1.6M
Net Income Ratio	0.19	0.166	0.163	0.173	0.149	0.15	0.128	0.125
Epsdiluted	0.96	0.81	0.81	0.81	0.69	0.67	0.57	0.54
Weighted Average Shs Out	16.8M	16.8M	16.8M	16.8M	16.8M	16.8M	16.8M	16.7M
Weighted Average Shs Out Dil	17.0M	16.9M	16.9M	16.9M	16.9M	16.9M	16.9M	16.8M