Smartfinancial Inc. (SMBK) Net Margin (2010 - 2026)
Smartfinancial's Net Margin was 29.17% in Q2 2026, up 5.40 percentage points from 23.77% a year earlier and up 3.75 percentage points from the prior quarter.
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Analysis
Smartfinancial Inc. (SMBK) Net Margin (2010 - 2026) Analysis & Trends
On a trailing twelve-month basis, Smartfinancial's Net Margin was 26.80% through Jun 30, 2026, up 4.49 percentage points year-over-year; for FY2025, it came in at 25.12%, up 4.04 percentage points from FY2024.
- Net Margin shows a five-year change of +4.19 percentage points (FY2020 to FY2025).
- In earlier years, Net Margin was 21.07% in FY2024 (+2.31 pp), 18.76% in FY2023 (-7.28 pp), 26.04% in FY2022 (+0.71 pp) and 25.33% in FY2021 (+4.41 pp).
- The Q2 2026 figure marks the highest quarterly Net Margin since Q1 2021.
- Compared with a year earlier, Net Margin has increased for eight straight quarters, with an average year-over-year change of +5.20 percentage points over the last eight quarters.
- The best year-over-year quarter for Net Margin over five years was Q3 2024 (a gain of 14.17 percentage points); the worst was Q3 2023 (a drop of 20.35 percentage points).
- Per Business Quant data, SMBK's Net Margin in the three quarters before Q2 2026 was 25.42% (Q1 2026), 25.70% (Q4 2025) and 26.80% (Q3 2025).
Peer Set
Peer Comparison
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 29.17% |
| Mar 31, 2026 | 25.42% |
| Dec 31, 2025 | 25.70% |
| 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 | 6.52% |
| Jun 30, 2023 | 22.83% |
| Mar 31, 2023 | 26.80% |
| Dec 31, 2022 | 29.07% |
| 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% |
API Access
Smartfinancial Inc. Net Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=net-margin&ticker=SMBK&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "net-margin", "ticker": "SMBK", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=net-margin&ticker=SMBK&period=max&api_key=YOUR_API_KEY");
const data = await res.json();