Smartfinancial annual return on equity
2010
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2025
Smartfinancial Return on Equity (ROE) Growth & History (SMBK)
Smartfinancial's return on equity was 9.65% for fiscal 2025.
View full Smartfinancial company overviewSmartfinancial annual return on equity history
| Fiscal year | Period ended | Return on equity | Change (percentage points) |
|---|---|---|---|
| 2025 | 2025-12-31 | 9.65% | +2.05 pp |
| 2024 | 2024-12-31 | 7.60% | +1.19 pp |
| 2023 | 2023-12-31 | 6.41% | −3.57 pp |
| 2022 | 2022-12-31 | 9.98% | +1.14 pp |
| 2021 | 2021-12-31 | 8.85% | +1.58 pp |
| 2020 | 2020-12-31 | 7.26% | −1.65 pp |
| 2019 | 2019-12-31 | 8.91% | +1.51 pp |
| 2018 | 2018-12-31 | 7.41% | +4.18 pp |
| 2017 | 2017-12-31 | 3.22% | −2.42 pp |
| 2016 | 2016-12-31 | 5.65% | +3.71 pp |
| 2015 | 2015-12-31 | 1.93% | −1.44 pp |
| 2014 | 2014-12-31 | 3.37% | −0.22 pp |
| 2013 | 2013-12-31 | 3.59% | −0.10 pp |
| 2012 | 2012-12-31 | 3.68% | +0.31 pp |
| 2011 | 2011-12-31 | 3.38% | +20.92 pp |
| 2010 | 2010-12-31 | −17.55% | — |
Smartfinancial quarterly return on equity
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Q2.26
| Fiscal quarter | Period ended | Return on equity | Change (percentage points) |
|---|---|---|---|
| Q2 2026 | 2026-06-30 | 2.87% | +0.58 pp |
| Q1 2026 | 2026-03-31 | 2.46% | +0.20 pp |
| Q4 2025 | 2025-12-31 | 2.51% | +0.55 pp |
| Q3 2025 | 2025-09-30 | 2.59% | +0.69 pp |
| Q2 2025 | 2025-06-30 | 2.28% | +0.58 pp |
| Q1 2025 | 2025-03-31 | 2.26% | +0.24 pp |
| Q4 2024 | 2024-12-31 | 1.97% | +0.60 pp |
| Q3 2024 | 2024-09-30 | 1.90% | +1.44 pp |
| Q2 2024 | 2024-06-30 | 1.70% | −0.29 pp |
| Q1 2024 | 2024-03-31 | 2.02% | −0.61 pp |
| Q4 2023 | 2023-12-31 | 1.37% | −1.70 pp |
| Q3 2023 | 2023-09-30 | 0.46% | −2.30 pp |
| Q2 2023 | 2023-06-30 | 1.99% | −0.44 pp |
| Q1 2023 | 2023-03-31 | 2.63% | +0.68 pp |
| Q4 2022 | 2022-12-31 | 3.07% | +1.51 pp |
| Q3 2022 | 2022-09-30 | 2.76% | +0.36 pp |
| Q2 2022 | 2022-06-30 | 2.43% | +0.05 pp |
| Q1 2022 | 2022-03-31 | 1.94% | −0.76 pp |
| Q4 2021 | 2021-12-31 | 1.56% | −1.00 pp |
| Q3 2021 | 2021-09-30 | 2.41% | +0.56 pp |
| Q2 2021 | 2021-06-30 | 2.38% | +0.56 pp |
| Q1 2021 | 2021-03-31 | 2.71% | +1.86 pp |
| Q4 2020 | 2020-12-31 | 2.55% | +0.38 pp |
| Q3 2020 | 2020-09-30 | 1.84% | −0.12 pp |
| Q2 2020 | 2020-06-30 | 1.82% | −1.27 pp |
| Q1 2020 | 2020-03-31 | 0.84% | −0.81 pp |
| Q4 2019 | 2019-12-31 | 2.18% | −0.23 pp |
| Q3 2019 | 2019-09-30 | 1.97% | +0.24 pp |
| Q2 2019 | 2019-06-30 | 3.09% | +1.37 pp |
| Q1 2019 | 2019-03-31 | 1.65% | +0.00 pp |
| Q4 2018 | 2018-12-31 | 2.41% | +2.38 pp |
| Q3 2018 | 2018-09-30 | 1.73% | +0.49 pp |
| Q2 2018 | 2018-06-30 | 1.72% | +0.49 pp |
| Q1 2018 | 2018-03-31 | 1.65% | +0.26 pp |
| Q4 2017 | 2017-12-31 | 0.02% | −1.54 pp |
| Q3 2017 | 2017-09-30 | 1.24% | −0.31 pp |
| Q2 2017 | 2017-06-30 | 1.23% | +0.07 pp |
| Q1 2017 | 2017-03-31 | 1.38% | +0.05 pp |
| Q4 2016 | 2016-12-31 | 1.57% | +0.38 pp |
| Q3 2016 | 2016-09-30 | 1.55% | +1.66 pp |
| Q2 2016 | 2016-06-30 | 1.16% | +1.00 pp |
| Q1 2016 | 2016-03-31 | 1.33% | +0.64 pp |
| Q4 2015 | 2015-12-31 | 1.19% | +0.34 pp |
| Q3 2015 | 2015-09-30 | −0.11% | −1.86 pp |
| Q2 2015 | 2015-06-30 | 0.16% | −0.85 pp |
| Q1 2015 | 2015-03-31 | 0.70% | −0.18 pp |
| Q4 2014 | 2014-12-31 | 0.85% | −0.02 pp |
| Q3 2014 | 2014-09-30 | 1.75% | +0.68 pp |
| Q2 2014 | 2014-06-30 | 1.01% | +0.03 pp |
| Q1 2014 | 2014-03-31 | 0.88% | −0.22 pp |
| Q4 2013 | 2013-12-31 | 0.87% | −0.07 pp |
| Q3 2013 | 2013-09-30 | 1.07% | +0.09 pp |
| Q2 2013 | 2013-06-30 | 0.98% | +0.12 pp |
| Q1 2013 | 2013-03-31 | 1.11% | +0.10 pp |
| Q4 2012 | 2012-12-31 | 0.94% | +0.60 pp |
| Q3 2012 | 2012-09-30 | 0.97% | −0.74 pp |
| Q2 2012 | 2012-06-30 | 0.86% | +0.34 pp |
| Q1 2012 | 2012-03-31 | 1.00% | — |
| Q4 2011 | 2011-12-31 | 0.33% | — |
| Q3 2011 | 2011-09-30 | 1.71% | — |
| Q2 2011 | 2011-06-30 | 0.52% | — |
Smartfinancial return on equity trends
Over the last five fiscal years, Smartfinancial's return on equity increased from 7.26% to 9.65%, a change of +2.38 percentage points. The latest reported quarter, Q2 2026, shows 2.87%.
About the metric
What return on equity (ROE) means
Return on equity (ROE) measures how much net income a company generates relative to shareholders’ equity. It can help evaluate how efficiently equity capital is used, but unusually high or negative values may reflect leverage, losses, or a small equity base.
Calculation and source
How return on equity is calculated
TickerStat calculates ROE as SEC-reported net income divided by average stockholders’ equity at the beginning and end of the fiscal period. Periods with missing or non-positive average equity are omitted. Quarterly ROE uses quarterly net income and is not annualized. Fiscal periods can differ from calendar years, so exact period-end dates are included.
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