Superworth

Smartfinancial profit margin SMBK

Gross, operating and net profit as a share of revenue over the last twelve months, from 2011.

Net margin, 12 months
26.8%
Net margin on a year earlier
+4.5 pts
Peer median
30.1%

Over the twelve months to Jun 30, 2026, Smartfinancial kept 26.8% of its revenue as net profit.

Five years earlier its net margin was 27.0%.

The median for 10 diversified banks of a similar size is 30.1%.

Profit margin over time

Net

Open the interactive chart, with overlays and comparisons

Fiscal year by fiscal year

Fiscal yearNet margin
FY202525.1%
FY202421.1%
FY202318.8%
FY202226.0%
FY202125.3%
FY202020.9%
FY201926.8%
FY201821.8%
FY20179.8%
FY201613.7%
FY20155.5%
FY201410.8%
FY201310.0%
FY20129.0%
FY20116.7%

Quarter by quarter

QuarterEndedNet margin, 12 monthsChange on a year
Q2 FY2626.8%+4.5 pts
Q1 FY2625.4%+4.1 pts
Q4 FY2525.1%+4.0 pts
Q3 FY2523.9%+3.9 pts
Q2 FY2522.3%+5.4 pts
Q1 FY2521.3%+3.7 pts
Q4 FY2421.1%+2.3 pts
Q3 FY2420.0%−2.4 pts
Q2 FY2416.9%−9.6 pts
Q1 FY2417.7%−9.4 pts
Q4 FY2318.8%−7.3 pts
Q3 FY2322.4%−0.9 pts

Against its peers

Companies in Banks - Diversified nearest Smartfinancial's size, closest first, today.

CompanyProfit margin
SMBKSmartfinancial26.8%
ALRSAlerus Financial11.7%
FISIFinancial Institutionsn/m
SHBIShore Bancshares27.9%
HAFCHanmi Financial31.2%
CACCamden National33.4%
AROWArrow Financialn/m
BCALCalifornia BanCorp33.4%
PFISPeoples Financial Services29.1%
CARECarter Bankshares50.5%
CBNKCapital Bancorp22.2%
Peer median30.1%

Where Smartfinancial ranks

What the profit margin tells you

Profit as a share of revenue at three levels: gross (after making the product), operating (after running the business) and net (after everything, including tax and interest).

Compare within an industry. 10% is superb for a retailer and poor for a software company.

More on Smartfinancial

Valuation data, not investment advice. Prices as of . Reported figures come from the company's filings with the SEC.