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Smartfinancial (SMBK) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 9, 2026 · Smartfinancial (SMBK) Q3 2026 earnings results →
Q3 2026 Revenue up 13% year over year to $57.5M · 32¢ of every $1 of revenue kept as net profit · operating margin 35.6%
Smartfinancial made $57.5M in Q3 2026 (+13% Y/Y): Net interest income $49.4M, Noninterest income $8.1M. Operating margin 35.6%, net earnings $18.6M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 9, 2026.
Drawing the Sankey…
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What changed this quarter
Revenue was $57.5M in Q3 2026, up 13% year over year and up 3% from the previous quarter. Net interest income was the largest line at 86% of revenue. Net interest income added $7.0M year over year (up 16%), 108% of the total change. Noninterest income declined 6%.
Operating profit was $20.5M, a 35.6% margin (up 2.4 points year over year). Of the extra revenue versus a year earlier, 54% reached operating profit, above the 33% margin then. Total costs grew 9% against revenue growth of 13%. The fastest-growing cost line was Credit loss provision (+203%). Net earnings were $18.6M, up 36% year over year. The effective tax rate was 9.1%.
Operating cash flow was −$11.0M. Non-cash charges added back $1.3M of depreciation and amortization and $524K of share-based compensation. Working capital and other items used $31.4M. Capital expenditures of $2.1M exceeded it, leaving free cash flow of −$13.1M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 9, 2026 | $57.5M | +13% | 35.6% | $18.6M | −$11.0M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Smartfinancial
SmartFinancial, Inc. (“SmartFinancial” or the “Company”) was incorporated on September 19, 1983, under the laws of the State of Tennessee. SmartFinancial is a bank holding company registered under the Bank Holding Company Act of 1956, as amended. In this Report on Form 10-K, the words “SmartFinancial,” “the Company,” “we,” “us,” and “our” refer to SmartFinancial, Inc. together with SmartBank and SmartBank’s wholly-owned subsidiaries, except where the context requires otherwise. The Company makes our annual reports on Form 10-K, quarterly reports on Form 10-Q, current reports on Form 8-K and amendments to those reports filed or furnished pursuant to Section 13(a) or 15(d) of the Exchange Act available free of charge on our website at www.smartbank.com as soon as reasonably practicable after we electronically file such material with the SEC.
In its own words, from its 10-K, filed Mar 16, 2026.
Smartfinancial against its National Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +13% against the peers' median +8%. Operating margin: 35.6% against the peers' median 32.5%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| SMBK Smartfinancial | Q3 2026 | $57.5M | +13% | 35.6% |
| JPM JPMorgan Chase | Q3 2026 | $50.2B | +8% | 40.1% |
| BAC Bank of America | Q3 2026 | $30.0B | +3% | 29.9% |
| C Citigroup | Q3 2026 | $23.8B | +8% | 30.6% |
| WFC Wells Fargo | Q3 2026 | $21.9B | +2% | 32.5% |
| COF Capital One Financial | Q3 2026 | $16.3B | +6% | 28.0% |
| UBS UBS Group AG | Q2 2025 | $12.1B | +2% | 18.1% |
| USB US Bancorp | Q3 2026 | $8.0B | +9% | 35.1% |
| PNC PNC Financial Services Group | Q3 2026 | $6.6B | +11% | 40.0% |
Source: Smartfinancial 10-Q on SEC EDGAR · CIK 1038773 · National Commercial Banks
Guidance and outlook
13F: who owns SMBK and who is buying
More on SMBK
History
Every quarter: Q3 2026 results