Smartfinancial (SMBK) Net Margin (2010 - 2026)
Smartfinancial (SMBK) posted Net Margin of 29.17% for Q2 2026, up 14.76% on a QoQ basis from 25.42% in Q1 2026, and up 540.0% year-over-year from 4.56% in Q2 2025.
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Analysis
Smartfinancial (SMBK) Net Margin (2010 - 2026) Analysis & Trends
Smartfinancial has reported Net Margin for 17 years, with the latest figure at 29.17% in Q2 2026.
- On a quarterly basis, Net Margin rose 540.0% year-over-year to 29.17% in Q2 2026; TTM through Jun 2026 was 25.98%, a 366.0% increase from a year earlier, with the FY2025 full-year figure at 23.86%, up 278.0% from the prior year.
- Net Margin was 29.17% for Q2 2026 at Smartfinancial, up from 25.42% in the prior quarter.
- The five-year high for Net Margin was 29.17% in Q2 2026, with the low at 6.16% in Q3 2023.
- Average Net Margin over 5 years is 22.34%, with a median of 23.08% recorded in 2023.
- The sharpest annual moves came in 2023 and 2024: Net Margin sank 2071 bps in 2023, then soared 1453 bps in 2024.
- Over 5 years, Net Margin stood at 20.08% in 2022, then slipped by 21 bps to 15.83% in 2023, then surged by 30 bps to 20.59% in 2024, then rose by 9 bps to 22.4% in 2025, then surged by 30 bps to 29.17% in 2026.
- The last three Net Margin figures came in at 29.17% (Q2 2026), 25.42% (Q1 2026), and 22.4% (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Banco Santander Chile | 424.88 Bn | 544.83 Bn | - | - |
| 2 | Truist Financial | 59.29 Bn | 59.29 Bn | - | 28.85% |
| 3 | Fifth Third Bancorp | 47.98 Bn | 24.26 Bn | - | 23.30% |
| 4 | M&T Bank | 32.82 Bn | 32.82 Bn | - | 30.85% |
| 5 | Huntington Bancshares | 32.08 Bn | 27.60 Bn | - | 24.18% |
| 6 | Citizens Financial | 28.34 Bn | 28.34 Bn | - | 24.27% |
| 7 | Regions Financial | 24.27 Bn | 24.34 Bn | - | 28.79% |
| 8 | Keycorp | 22.19 Bn | -25.51 Bn | - | 24.18% |
| 9 | First Citizens Bancshares | 21.93 Bn | 21.41 Bn | 29.00 Mn | 864.86% |
| 10 | Smartfinancial | 886.73 Mn | 400.30 Mn | - | 29.17% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 29.17% |
| Mar 31, 2026 | 25.42% |
| Dec 31, 2025 | 22.40% |
| Sep 30, 2025 | 26.80% |
| Jun 30, 2025 | 23.77% |
| Mar 31, 2025 | 24.03% |
| Dec 31, 2024 | 20.59% |
| Sep 30, 2024 | 20.69% |
| Jun 30, 2024 | 19.80% |
| Mar 31, 2024 | 23.34% |
| Dec 31, 2023 | 15.83% |
| Sep 30, 2023 | 6.16% |
| Jun 30, 2023 | 22.83% |
| Mar 31, 2023 | 26.80% |
| Dec 31, 2022 | 20.08% |
| Sep 30, 2022 | 26.87% |
| Jun 30, 2022 | 25.35% |
| Mar 31, 2022 | 22.18% |
| Dec 31, 2021 | 18.16% |
| Sep 30, 2021 | 26.16% |