SMARTFINANCIAL INC.
Financial highlights
| Metric | FY 12/31/25 | FY 12/31/24 | FY 12/31/23 | FY 12/31/22 | FY 12/31/21 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Interest expense | — | — | $88.0M | $21.3M | $11.8M |
| Pretax income | $61.5M | $45.5M | $36.2M | $54.9M | $44.3M |
| Income tax expense | $11.2M | $9.3M | $7.6M | $11.9M | $9.5M |
| Net income | $50.3M | $36.1M | $28.6M | $43.0M | $34.8M |
| Balance Sheet | |||||
| Cash and equivalents | $464.4M | $387.6M | $352.3M | $266.4M | $1.0B |
| Total assets | $5.9B | $5.3B | $4.8B | $4.6B | $4.6B |
| Total liabilities | $5.3B | $4.8B | $4.4B | $4.2B | $4.2B |
| Stockholders' equity | $552.4M | $491.3M | $459.9M | $432.5M | $429.4M |
| Cash Flow Statement | |||||
| Cash from operations | $61.7M | $52.7M | $39.7M | $56.8M | $46.2M |
| Depreciation and amortization | $5.0M | $5.2M | $5.1M | $4.7M | $4.2M |
| Stock-based compensation | $1.9M | $1.6M | $1.3M | $1.3M | $693,000 |
| Capital expenditure | $2.4M | $6.4M | $6.3M | $12.5M | $2.4M |
| Free cash flow | $59.3M | $46.3M | $33.4M | $44.3M | $43.8M |
| Dividends paid | $5.5M | $5.4M | $5.4M | $4.7M | $3.7M |
| Share repurchases | — | $3.0M | — | — | $1.2M |
| Impairments | — | — | — | $0 | $0 |
Shares outstanding 17.1M · Free float 93.1%
Annual filing data through FY ended December 31, 2025; float as of July 11, 2026.