Filing Flows › Smartfinancial (SMBK) › Q3 2026
Smartfinancial (SMBK) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 9, 2026
Smartfinancial (SMBK) reported revenue of $57.5M for the third quarter 2026 (Q3 2026), +13% from a year earlier and +3% from the quarter before. Operating margin was 35.6%, net earnings $18.6M (32.4% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $57.5M | +3% | +13% |
| Operating profit | $20.5M | -0.2% | +21% |
| Net earnings | $18.6M | +14% | +36% |
| Operating cash flow | −$11.0M | — | — |
What changed
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.
Questions
What was Smartfinancial's revenue in the third quarter 2026?
Smartfinancial (SMBK) reported revenue of $57.5M for the third quarter 2026 (Q3 2026), +13% from a year earlier and +3% from the quarter before.
Was Smartfinancial profitable in the third quarter 2026?
Operating profit was $20.5M (35.6% of revenue) and net earnings $18.6M.
Source: Smartfinancial 10-Q on SEC EDGAR.