Filing Flows › Smartfinancial (SMBK) › Q3 2026 › vs Q3 2025
Smartfinancial (SMBK) Q3 2026 vs Q3 2025 (year over year)
Smartfinancial's revenue rose $6.5M (+13%) from $51.1M in Q3 2025 to $57.5M in Q3 2026. The biggest changes: Net interest income +$7.0M (+16%); Noninterest income −$506K (-6%). Operating margin 35.6% against 33.2% (+2.4 pts).
Smartfinancial, Q3 2026: revenue $57.5M (+13% year over year), operating margin 35.6%, net earnings $18.6M, operating cash flow −$11.0M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 35.6% | 33.2% | +2.4 pts |
| Net margin | 32.4% | 26.8% | +5.6 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $49.4M | $42.4M | $7.0M | +16% |
| Noninterest income | $8.1M | $8.6M | −$506K | -6% |
| Revenue | $57.5M | $51.1M | $6.5M | +13% |
| Operating profit | $20.5M | $17.0M | $3.5M | +21% |
| Costs & expenses | $37.0M | $34.1M | $2.9M | +9% |
| Pre-tax earnings | $20.5M | $17.0M | $3.5M | +21% |
| Credit loss provision | $687K | $227K | $460K | +203% |
| Noninterest expense | $36.4M | $33.9M | $2.5M | +7% |
| Net earnings | $18.6M | $13.7M | $4.9M | +36% |
| Income tax | $1.9M | $3.3M | −$1.4M | -43% |
| Operating cash sources | $31.4M | −$761K | $32.1M | — |
| Depreciation & amortization | $1.3M | $2.0M | −$688K | -35% |
| Share-based compensation | $524K | $478K | $46K | +10% |
| Cash used in operations | $11.0M | −$16.9M | $27.8M | — |
| Working capital & other | $31.4M | −$761K | $32.1M | — |
Questions
How much did Smartfinancial's revenue grow year over year in Q3 2026?
Smartfinancial's revenue rose $6.5M (+13%) from $51.1M in Q3 2025 to $57.5M in Q3 2026.
What drove Smartfinancial's revenue change in Q3 2026?
Net interest income +$7.0M (+16%); Noninterest income −$506K (-6%).