Smartfinancial (SMBK) Net Margin (2010 - 2026)
Smartfinancial (SMBK) posted quarterly Net Margin of 29.66% for Q1 2026, up 241.0% year-over-year from 8.7% in Q1 2025, and down 14.97% quarter-over-quarter from 34.88% in Q4 2025.
Smartfinancial (SMBK) Net Margin (2010 - 2026) Analysis & Trends
Smartfinancial's Net Margin history runs 17 years deep, the most recent figure standing at 29.66% for Q1 2026.
- In Q1 2026, Net Margin rose 241.0% year-over-year to 29.66%; the TTM figure through Mar 2026 stood at 30.17% (up 749.0% YoY), while the FY2025 annual figure was 30.35%, up 928.0% from the prior year.
- Net Margin for Q1 2026 stood at 29.66%, down from 34.88% in the prior quarter.
- The five-year high for Net Margin was 47.84% in Q4 2022, with the low at 12.48% in Q2 2023.
- The 5-year median for Net Margin is 23.77% (2025), against an average of 18.98%.
- The sharpest annual moves came in 2023 and 2024: Net Margin plunged 3916 bps in 2023, then surged 3493 bps in 2024.
- Smartfinancial's Net Margin stood at 47.84% in 2022, then slumped by 82 bps to 8.68% in 2023, then surged by 138 bps to 20.7% in 2024, then jumped by 68 bps to 34.88% in 2025, then retreated by 15 bps to 29.66% in 2026.
- Business Quant data shows SMBK's Net Margin at 29.66% in Q1 2026, 34.88% in Q4 2025, and 30.23% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 119.58 Bn | 83.39 Bn | - | - |
| 2 | Pnc Financial Services | 97.75 Bn | 97.75 Bn | - | 28.41% |
| 3 | Us Bancorp | 96.33 Bn | 96.33 Bn | - | 27.30% |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 73.86 Bn | -145.23 Bn | - | 38.78% |
| 6 | Deutsche Bank Aktiengesellschaft | 71.72 Bn | -81.60 Bn | - | 25.60% |
| 7 | Nu Holdings | 68.51 Bn | 54.82 Bn | 2.35 Bn | 25.60% |
| 8 | Truist Financial | 61.69 Bn | 61.69 Bn | - | 28.85% |
| 9 | Fifth Third Bancorp | 49.73 Bn | 26.00 Bn | - | 23.30% |
| 10 | Smartfinancial | 855.33 Mn | 368.79 Mn | - | 29.17% |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 29.17% |
| Mar 31, 2026 | 29.66% |
| Dec 31, 2025 | 34.88% |
| Sep 30, 2025 | 30.23% |
| Jun 30, 2025 | 23.77% |
| Mar 31, 2025 | 27.24% |
| Dec 31, 2024 | 20.70% |
| Sep 30, 2024 | 20.69% |
| Jun 30, 2024 | 22.45% |
| Mar 31, 2024 | 23.80% |
| Dec 31, 2023 | 8.68% |
| Sep 30, 2023 | -2.95% |
| Jun 30, 2023 | -12.48% |
| Mar 31, 2023 | 26.80% |
| Dec 31, 2022 | 47.84% |
| Sep 30, 2022 | -2.07% |
| Jun 30, 2022 | -1.78% |
| Mar 31, 2022 | 25.20% |
| Dec 31, 2021 | 49.20% |
| Sep 30, 2021 | 28.62% |