The Tip Desk

SMARTFINANCIAL INC.

Company Stats

Market Cap
$847.6M
as of Sep 30, 2026
Shares Outstanding
17.1M
Free Float
93.1%

Income Statement

Net Income
$50.3M

Cash Flow

Free Cash Flow
$59.3M
FCF Yield
7.0%
Owner FCF Yield
6.8%

Balance Sheet

Cash & Equivalents
$464.4M

Returns & Capital

Dividends Paid
$5.5M
Dividend Yield
0.6%
Dividend Payout, 3Y Avg
14.9%
SBC, 3Y Avg
$1.6M

Cash Flow by Year

YearRevenueFCFMargin
FY2025—$59.3M—
FY2024—$46.3M—
FY2023—$33.4M—
FY2022—$44.3M—
FY2021—$43.8M—

Annual filing data through FY ended December 31, 2025; shares and float as of October 7, 2026. Yields and enterprise value use the calculated market cap above, at its as-of date. Ratios are our calculations from reported figures.

Earnings

Other Coverage