SmartFinancial, Inc. (SMBK)

Profitability & Net Margin History

Current Net Margin

16.64%

SmartFinancial, Inc. currently has a net profit margin of 16.64%.

Financial Fundamentals

SMBK • Quarterly Data • 5Y View

Historical Margin Data

Date	Rev ($B)	NI ($B)	Net Margin	Change (bps)
2026-03-31	0.08	0.01	16.64%	▲30
2025-12-31	0.08	0.01	16.34%	▼94
2025-09-30	0.08	0.01	17.28%	▲234
2025-06-30	0.08	0.01	14.94%	▼7
2025-03-31	0.07	0.01	15.01%	▲218
2024-12-31	0.08	0.01	12.83%	▲33
2024-09-30	0.07	0.01	12.50%	▲89
2024-06-30	0.07	0.01	11.62%	▼211
2024-03-31	0.07	0.01	13.73%	▲422
2023-12-31	0.07	0.01	9.51%	▲582
2023-09-30	0.06	0.00	3.69%	▼1123
2023-06-30	0.06	0.01	14.92%	▼421
2023-03-31	0.06	0.01	19.13%	▼475
2022-12-31	0.05	0.01	23.89%	▲11
2022-09-30	0.05	0.01	23.78%	▲31
2022-06-30	0.04	0.01	23.46%	▲283
2022-03-31	0.04	0.01	20.63%	▲382
2021-12-31	0.04	0.01	16.82%	▼741
2021-09-30	0.04	0.01	24.23%	▼85
2021-06-30	0.03	0.01	25.08%	▼280
2021-03-31	0.03	0.01	27.89%	▲148
2020-12-31	0.03	0.01	26.41%	▲759
2020-09-30	0.03	0.01	18.82%	▲37
2020-06-30	0.03	0.01	18.45%	▲959
2020-03-31	0.03	0.00	8.87%	▼1406
2019-12-31	0.03	0.01	22.93%	▲235
2019-09-30	0.03	0.01	20.58%	▼1115
2019-06-30	0.03	0.01	31.72%	▲1487
2019-03-31	0.03	0.00	16.85%	▼581
2018-12-31	0.03	0.01	22.66%	▲494
2018-09-30	0.02	0.00	17.73%	▲140
2018-06-30	0.02	0.00	16.33%	▼45
2018-03-31	0.02	0.00	16.78%	▲1657
2017-12-31	0.02	0.00	0.21%	▼1260
2017-09-30	0.01	0.00	12.81%	▼44
2017-06-30	0.01	0.00	13.24%	▼93
2017-03-31	0.01	0.00	14.18%	▲3
2016-12-31	0.01	0.00	14.15%	▲37
2016-09-30	0.01	0.00	13.77%	▲324
2016-06-30	0.01	0.00	10.53%	▼180
2016-03-31	0.01	0.00	12.33%	▲155
2015-12-31	0.01	0.00	10.78%	▲1185
2015-09-30	0.01	-0.00	-1.08%	▼239
2015-06-30	0.01	0.00	1.32%	▼471
2015-03-31	0.01	0.00	6.03%	▼223
2014-12-31	0.00	0.00	8.25%	▼383
2014-09-30	0.01	0.00	12.09%	▲360
2014-06-30	0.00	0.00	8.48%	0
2014-03-31	0.00	0.00	8.49%	▲61
2013-12-31	0.01	0.00	7.88%	▼64
2013-09-30	0.01	0.00	8.52%	▲101
2013-06-30	0.01	0.00	7.51%	▼161
2013-03-31	0.00	0.00	9.12%	▲227
2012-12-31	0.01	0.00	6.85%	▼45
2012-09-30	0.00	0.00	7.29%	▲117
2012-06-30	0.01	0.00	6.13%	▼116
2012-03-31	0.00	0.00	7.29%	▲515
2011-12-31	0.01	0.00	2.14%	▼749
2011-09-30	0.01	0.00	9.63%	▲705
2011-06-30	0.01	0.00	2.58%	▼202
2011-03-31	0.01	0.00	4.60%	▲8576
2010-12-31	0.01	-0.01	-81.17%	▼8408
2010-09-30	0.01	0.00	2.91%	▲268
2010-06-30	0.01	0.00	0.23%	▼435
2010-03-31	0.01	0.00	4.58%	▲5421
2009-12-31	0.01	-0.00	-49.63%	▼2385
2009-09-30	0.01	-0.00	-25.79%	▼1737
2009-06-30	0.01	-0.00	-8.42%	▲3243
2009-03-31	0.01	-0.00	-40.85%	▼3533
2008-12-31	0.01	-0.00	-5.52%	▼1636
2008-09-30	0.01	0.00	10.84%	▼212
2008-06-30	0.01	0.00	12.96%	▲95
2008-03-31	0.01	0.00	12.00%	▲4310
2007-12-31	0.01	-0.00	-31.10%	▼3699
2007-09-30	0.01	0.00	5.89%	▼1114
2007-06-30	0.01	0.00	17.03%	▼245
2007-03-31	0.01	0.00	19.48%	▲247
2006-12-31	0.01	0.00	17.01%	▼244
2006-09-30	0.01	0.00	19.45%	▲81
2006-06-30	0.01	0.00	18.63%	▼89
2006-03-31	0.01	0.00	19.52%	▲10
2005-12-31	0.01	0.00	19.42%	▼134
2005-09-30	0.01	0.00	20.76%	▲293
2005-06-30	0.01	0.00	17.83%	▼68
2005-03-31	0.00	0.00	18.50%	▲203
2004-12-31	0.00	0.00	16.48%	▼113
2004-09-30	0.00	0.00	17.61%	▲93
2004-06-30	0.00	0.00	16.68%	▲140
2004-03-31	0.00	0.00	15.28%	▲42
2003-12-31	0.00	0.00	14.86%	▼20
2003-09-30	0.00	0.00	15.06%	▼112
2003-06-30	0.00	0.00	16.17%	▲243
2003-03-31	0.00	0.00	13.74%	▼3099
2002-12-31	2.59	1.16	44.73%	▲1407
2002-09-30	2.46	0.75	30.66%	▲1000
2002-06-30	2.36	0.49	20.66%	▲1139
2002-03-31	2.30	0.21	9.27%	▼18696
2001-12-31	0.20	0.39	196.24%	▲18863
2001-09-30	2.39	0.18	7.61%	—

* Basis Point (bps) change measures sequential efficiency shifts. 100 bps = 1.00% Margin change.