Financials in USD. Standardized financial statements.
A compact view of how SmartFinancial, Inc. turns revenue into operating income and net income.
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue? | $316.37M | $285.27M | $240.37M | $186.55M | $149.18M | $133.04M | $115.17M | $96.74M | $55.65M | $45.59M |
| Revenue Growth? | +10.9% | +18.7% | +28.8% | +25.0% | +12.1% | +15.5% | +19.1% | +73.8% | +22.1% | 0.0% |
| Cost of Revenue? | $123.48M | $118.92M | $90.99M | $25.35M | $13.47M | $25.43M | $27.17M | $18.50M | $6.48M | $5.09M |
| Gross Profit? | $192.88M | $166.35M | $149.38M | $161.20M | $135.71M | $107.61M | $88.00M | $78.24M | $49.18M | $40.51M |
| Gross Margin? | +61.0% | +58.3% | +62.1% | +86.4% | +91.0% | +80.9% | +76.4% | +80.9% | +88.4% | +88.8% |
| Operating Expenses? | $131.38M | $120.89M | $113.15M | $106.29M | $91.39M | $76.72M | $54.56M | $56.90M | $37.73M | $31.35M |
| Operating Income? | $61.50M | $45.46M | $36.23M | $54.91M | $44.32M | $30.89M | $33.45M | $21.34M | $11.44M | $9.16M |
| EBITDA? | $69.93M | $56.87M | $49.72M | $67.55M | $53.32M | $38.65M | $37.74M | $24.63M | $9.75M | $11.35M |
| Income Before Tax | $61.50M | $45.46M | $36.23M | $54.91M | $44.32M | $30.89M | $33.45M | $21.34M | $11.44M | $9.16M |
| Income Tax Expense | $11.15M | $9.32M | $7.63M | $11.89M | $9.53M | $6.56M | $6.90M | $3.23M | $6.43M | $3.36M |
| Net Income? | $50.35M | $36.14M | $28.59M | $43.02M | $34.79M | $24.33M | $26.55M | $18.10M | $5.02M | $5.80M |
| EPS? | $3.01 | $2.16 | $1.70 | $2.57 | $2.23 | $1.63 | $1.90 | $1.46 | $0.56 | $0.82 |
| Diluted EPS? | $2.98 | $2.14 | $1.69 | $2.55 | $2.22 | $1.62 | $1.89 | $1.43 | $0.56 | $0.78 |
Revenue, profitability, margins, EPS, and share-count trends over time.
Top-line demand and scale over time
Profit left after direct production costs
Core business profitability before financing and tax
Bottom-line profit after all expenses
Profit allocated to each diluted share
Share count trend that affects EPS quality
Gross, operating, and net margin quality