# SmartFinancial, Inc. (SMBK)

> Financial Services · US · Reports in USD

Fundamental indicators from Sponda, adjusted for inflation.

[HTML version](https://sponda.capital/en/SMBK/fundamentals)

## Annual figures

| Year | Revenue (M) | Net Inc. (M) | FCF (M) | Debt (M) | Equity (M) |
| --- | --- | --- | --- | --- | --- |
| 2026 | $ 168.14M | $ 30.00M | $ 40.02M | $ 110.41M | $ 576.81M |
| 2025 | $ 323.93M | $ 51.55M | $ 58.42M | $ 101.67M | $ 552.38M |
| 2024 | $ 299.84M | $ 37.99M | $ 48.66M | $ 47.78M | $ 491.35M |
| 2023 | $ 259.90M | $ 30.92M | $ 36.16M | $ 55.20M | $ 459.89M |
| 2022 | $ 208.40M | $ 48.06M | $ 49.49M | $ 83.92M | $ 432.45M |
| 2021 | $ 177.32M | $ 41.35M | $ 52.07M | $ 141.73M | $ 429.43M |
| 2020 | $ 168.73M | $ 31.00M | $ 30.10M | $ 120.55M | $ 357.17M |
| 2019 | $ 148.66M | $ 34.27M | $ 30.46M | $ 70.88M | $ 312.75M |
| 2018 | $ 128.38M | $ 23.91M | $ 25.67M | $ 62.18M | $ 283.01M |
| 2017 | $ 74.88M | $ 6.76M | $ 1.50M | $ 67.66M | $ 205.85M |
| 2016 | $ 62.73M | $ 7.98M | $ 6.32M | $ 45.13M | $ 105.24M |
| 2015 | $ 40.35M | $ 2.12M | $ 1.77M | $ 80.26M | $ 100.18M |
| 2014 | $ 28.96M | $ 2.74M | $ -3.02M | $ 37.76M | $ 55.89M |
| 2013 | $ 29.00M | $ 2.39M | $ 6.27M | $ 49.71M | $ 40.13M |
| 2012 | $ 29.41M | $ 2.02M | $ 7.24M | $ 56.76M | $ 40.89M |
| 2011 | $ 31.85M | $ 1.51M | $ 3.82M | $ 72.44M | $ 35.21M |
| 2010 | $ 44.19M | $ -7.13M | $ 14.04M | $ 79.04M | $ 25.82M |
| 2009 | $ 40.65M | $ -12.38M | $ 8.69M | $ 98.67M | $ 27.84M |
| 2008 | $ 49.32M | $ 3.80M | $ 1.37M | $ 107.04M | $ 36.50M |
| 2007 | $ 55.25M | $ 1.32M | $ 16.57M | $ 88.66M | $ 36.33M |
| 2006 | $ 36.81M | $ 6.75M | $ 6.09M | $ 58.75M | $ 38.18M |

Columns not available in this view: annualPriceMultiples, dividends. They require live market data and are shown on the HTML page instead.

## Leverage and liquidity

| Indicator | Value |
| --- | --- |
| Gross Debt / Eq | 0.19 |
| Liabilities / Eq | 9.60 |
| Current Ratio | 260.57 |

## Debt coverage

| Indicator | Value |
| --- | --- |
| Gross Debt / Earnings | 3.24 |
| Gross Debt / FCF | 3.00 |

## Other views

- [Metrics](https://sponda.capital/en/SMBK.md)
- [Charts](https://sponda.capital/en/SMBK/charts.md)
- [Compare](https://sponda.capital/en/SMBK/compare.md)
- [Indicator definitions](https://sponda.capital/en/screener.md)

Data as of 2026-08-29.