SmartFinancial, Inc.SMBKNYSE

Revenue (LTM)

$316M

+10.9% YoY

Net Income (LTM)

$50M

+39.3% YoY

Free Cash Flow

$46M

Revenue CAGR (5Y)

+18.9%

Marginsdeclining

FCF$0.0B

Profitable

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Revenue	149	187↑25.0%	240↑28.8%	285↑18.7%	316↑10.9%
Gross Profit	136	161↑18.8%	149↓7.3%	166↑11.4%	193↑16.0%
Operating Income	44	55↑23.9%	36↓34.0%	45↑25.5%	62↑35.3%
Net Income	35	43↑23.7%	29↓33.5%	36↑26.4%	50↑39.3%
EBITDA	53	68↑26.7%	50↓26.4%	57↑14.4%	70↑23.0%
EPS Diluted	2.22	2.55↑14.9%	1.69↓33.7%	2.14↑26.6%	2.98↑39.3%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Cash & Equivalents	1,008	251↓75.1%	295↑17.4%	374↑26.7%	384↑2.8%
Total Current Assets	1,543	801↓48.1%	771↓3.7%	749↓2.9%	5,339↑613.1%
Total Assets	4,612	4,637↑0.6%	4,829↑4.1%	5,276↑9.2%	5,739↑8.8%
Total Current Liabilities	4,034	4,094↑1.5%	4,281↑4.6%	4,695↑9.7%	5,035↑7.3%
Total Liabilities	4,182	4,205↑0.5%	4,370↑3.9%	4,784↑9.5%	5,193↑8.5%
Total Equity	429	432↑0.7%	460↑6.3%	491↑6.8%	546↑11.2%
Total Debt	142	84↓40.8%	55↓34.2%	48↓13.4%	102↑113.6%
Net Debt	-866	-167↑80.7%	-240↓43.3%	-326↓35.9%	-282↑13.5%

Metric	Dec 20	Dec 21	Dec 22	Dec 23	Dec 24
Operating Cash Flow	29	46↑58.9%	57↑23.0%	40↓30.1%	53↑32.7%
Capital Expenditure	-5	-2↑56.3%	-12↓425.3%	-6↑49.8%	-6↓2.2%
Free Cash Flow	24	44↑85.4%	44↑1.1%	33↓24.5%	46↑38.4%
Stock-Based Comp	0	1↑43.8%	1↑87.6%	1↑3.8%	2↑20.8%
Net Change in Cash	298	563↑89.2%	-779↓238.2%	86↑111.0%	35↓58.9%

Values in millions except EPS · Ratios shown as percentages · Click any metric to drill down

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