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How Smartfinancial (SMBK) makes money
Smartfinancial (SMBK) made $57.5M of revenue in the third quarter 2026 (Q3 2026), +13% from a year earlier. Net interest income brought in $49.4M (86%); Noninterest income brought in $8.1M (14%). Of every dollar of revenue, 36¢ was left as operating profit, 32¢ was left as net earnings.
Drawing the Sankey…
Revenue by segment, Q3 2026
| Segment | Revenue | Share | Q/Q | Y/Y |
|---|---|---|---|---|
| Net interest income | $49.4M | 85.9% | +3% | +16% |
| Noninterest income | $8.1M | 14.1% | +3% | -6% |
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $57.5M | 100.0% |
| Operating profit | $20.5M | 35.6% |
| Income tax | $1.9M | 3.2% |
| Net earnings | $18.6M | 32.4% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $57.5M | +13% |
From Smartfinancial's 10-Q filed Nov 9, 2026 (on EDGAR).
Questions
How does Smartfinancial make money?
Smartfinancial (SMBK) made $57.5M of revenue in the third quarter 2026 (Q3 2026), +13% from a year earlier. Net interest income brought in $49.4M (86%); Noninterest income brought in $8.1M (14%). Of every dollar of revenue, 36¢ was left as operating profit, 32¢ was left as net earnings.
What is Smartfinancial's biggest business?
Net interest income: $49.4M in the third quarter 2026, 86% of revenue, +16% from a year earlier.
What is Smartfinancial's profit margin?
Net earnings were $18.6M, 32.4% of revenue, in the third quarter 2026; the operating margin was 35.6%.
Updated Nov 10, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.