SmartFinancial, Inc. Detailed Financials

Full historical quarterly statements

Metric	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30
Total Revenue	82.2M	83.8M	79.2M	78.4M	75.0M	75.1M	73.1M	68.9M
Cost of Goods Sold	28.4M	30.5M	32.3M	31.5M	29.1M	30.4M	31.5M	29.4M
Gross Profit	53.8M	53.3M	46.9M	46.8M	45.9M	44.7M	41.6M	39.5M
R&D Expenses	0	0	0	0	0	0	0	0
Operating Expenses	37.1M	36.6M	29.9M	32.6M	32.3M	32.3M	30.8M	29.2M
Operating Income	16.8M	16.7M	17.0M	14.3M	13.6M	12.4M	10.8M	10.3M
Other Income / Gains	0	0	0	0	0	0	0	0
Net Income	13.7M	13.7M	13.7M	11.7M	11.3M	9.6M	9.1M	8.0M
EPS (Diluted)	0.81	0.82	0.82	0.70	0.67	0.57	0.55	0.48
Reported Currency	USD	USD	USD	USD	USD	USD	USD	USD
Gross Profit Ratio	0.655	0.636	0.592	0.598	0.612	0.595	0.569	0.574
General And Administrative Expenses	20.4M	31.6M	20.6M	20.6M	20.2M	20.6M	19.3M	18.1M
Selling And Marketing Expenses	387K	393K	454K	390K	382K	397K	327K	295K
Selling General And Administrative Expenses	20.8M	32.0M	21.0M	21.0M	20.6M	21.0M	19.6M	18.4M
Other Expenses	16.3M	4.6M	8.9M	11.6M	11.7M	11.3M	11.2M	10.8M
Cost And Expenses	65.4M	67.1M	62.2M	64.1M	61.4M	62.7M	62.3M	58.6M
Interest Income	74.3M	75.6M	74.5M	69.5M	66.4M	66.1M	64.0M	61.3M
Interest Expense	28.4M	30.5M	32.1M	29.1M	28.1M	28.3M	28.9M	28.5M
Depreciation And Amortization	457K	479K	2.5M	2.7M	2.7M	2.7M	2.8M	2.8M
Ebitda	17.2M	17.2M	19.5M	17.0M	16.3M	15.1M	13.6M	13.2M
Ebitdaratio	0.209	0.205	0.246	0.217	0.217	0.201	0.186	0.191
Operating Income Ratio	0.204	0.199	0.214	0.182	0.181	0.165	0.147	0.15
Income Before Tax	16.8M	16.7M	17.0M	14.3M	13.6M	12.4M	10.8M	10.3M
Income Before Tax Ratio	0.204	0.199	0.214	0.182	0.181	0.165	0.147	0.15
Income Tax Expense	3.1M	3.0M	3.3M	2.6M	2.3M	2.7M	1.6M	2.3M
Net Income Ratio	0.166	0.163	0.173	0.149	0.15	0.128	0.125	0.116
Epsdiluted	0.81	0.81	0.81	0.69	0.67	0.57	0.54	0.48
Weighted Average Shs Out	16.8M	16.8M	16.8M	16.8M	16.8M	16.8M	16.7M	16.8M
Weighted Average Shs Out Dil	16.9M	16.9M	16.9M	16.9M	16.9M	16.9M	16.8M	16.9M