SmartFinancial, Inc. (SMBK) - Total Assets
Based on the latest financial reports, SmartFinancial, Inc. (SMBK) holds total assets worth $5.74 Billion USD as of December 2025. Total assets represent everything the company owns and controls, combining both current assets—like cash and cash equivalents, accounts receivable, and inventories—and non-current assets such as property, plant, equipment (PP&E), intangible assets, and long-term investments. Check SMBK cash flow reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
SmartFinancial, Inc. - Total Assets Trend (2001–2025)
This chart illustrates how SmartFinancial, Inc.'s total assets have evolved over time, based on quarterly financial data. Explore investment intensity of SmartFinancial, Inc. to see how much of total assets are deployed in long-term investments.
SmartFinancial, Inc. - Asset Composition Analysis
Current Asset Composition (December 2025)
SmartFinancial, Inc.'s total assets of $5.74 Billion consist of 93.0% current assets and 7.0% non-current assets.
| Asset Category | Amount (USD) | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 6.7% |
| Accounts Receivable | $4.30 Billion | 74.8% |
| Inventory | $0.00 | 0.0% |
| Property, Plant & Equipment | $0.00 | 0.0% |
| Intangible Assets | $0.00 | 0.0% |
| Goodwill | $0.00 | 0.0% |
Asset Composition Trend (2001–2025)
This chart illustrates how SmartFinancial, Inc.'s asset composition has evolved over time. Understanding changes in asset allocation can provide insights into the company's strategic shifts, capital allocation priorities, and business focus evolution. For live market cap, price, and company overview, see SmartFinancial, Inc. stock valuation.
Key Asset Composition Facts
- Current vs. Non-Current Assets: SmartFinancial, Inc.'s current assets represent 93.0% of total assets in 2025, an increase from 4.4% in 2001.
- Cash Position: Cash and equivalents constituted 6.7% of total assets in 2025, up from 4.4% in 2001.
- Tangible vs. Intangible: Intangible assets (including goodwill) make up 0.0% of total assets, unchanged from 0.0% in 2001.
- Asset Diversification: The largest asset category is accounts receivable at 74.8% of total assets.
SmartFinancial, Inc. Competitors by Total Assets
Key competitors of SmartFinancial, Inc. based on total assets are shown below.
| Company | Country | Total Assets |
|---|---|---|
|
Standard Bank Group Ltd
JSE:SBK
|
South Africa | ZAC3.41 Trillion |
|
Grupo Financiero Inbursa S.A.B. de C.V
MX:GFINBURO
|
Mexico | MX$860.26 Billion |
|
BRD Groupe Societe Generale SA
RO:BRD
|
Romania | RON100.52 Billion |
|
Hua Xia Bank Co Ltd
SHG:600015
|
China | CN¥4.88 Trillion |
|
International Bancshares Corporation
NASDAQ:IBOC
|
USA | $16.83 Billion |
|
Judo Capital Holdings Ltd
AU:JDO
|
Australia | AU$16.06 Billion |
|
TF Bank AB
ST:TFBANK
|
Sweden | Skr29.94 Billion |
|
Bank Tabungan Negara Persero
JK:BBTN
|
Indonesia | Rp517.54 Trillion |
SmartFinancial, Inc. - Liquidity and Working Capital Analysis
Liquidity ratios measure a company's ability to pay off its short-term debts as they come due, using the company's current or quick assets. Working capital represents the operational liquidity available.
Key Liquidity Metrics
| Metric | Current | 1 Year Ago | 5 Years Ago |
|---|---|---|---|
| Current Ratio | 1.06 | 0.16 | 0.24 |
| Quick Ratio | 1.06 | 0.16 | 0.24 |
| Cash Ratio | 0.00 | 0.00 | 0.00 |
| Working Capital | $303.37 Million | $-3.95 Billion | $-2.32 Billion |
SmartFinancial, Inc. - Advanced Valuation Insights
This section examines the relationship between SmartFinancial, Inc.'s asset base and its market valuation, helping to identify whether the company's assets are efficiently translated into market value.
Key Valuation Metrics
| Current Price-to-Book Ratio | 1.30 |
| Latest Market Cap to Assets Ratio | 0.12 |
| Asset Growth Rate (YoY) | 8.8% |
| Total Assets | $5.74 Billion |
| Market Capitalization | $715.91 Million USD |
Valuation Analysis
Below Book Valuation: The market values SmartFinancial, Inc.'s assets below their book value (0.12x), which may indicate investor concerns about asset quality or future growth.
Positive Asset Growth: SmartFinancial, Inc.'s assets grew by 8.8% over the past year, showing continued investment in the company's operational capacity.
Annual Total Assets for SmartFinancial, Inc. (2001–2025)
The table below shows the annual total assets of SmartFinancial, Inc. from 2001 to 2025.
| Year | Total Assets | Change |
|---|---|---|
| 2025-12-31 | $5.74 Billion | +8.78% |
| 2024-12-31 | $5.28 Billion | +9.25% |
| 2023-12-31 | $4.83 Billion | +4.69% |
| 2022-12-31 | $4.61 Billion | +0.03% |
| 2021-12-31 | $4.61 Billion | +39.54% |
| 2020-12-31 | $3.30 Billion | +34.94% |
| 2019-12-31 | $2.45 Billion | +7.68% |
| 2018-12-31 | $2.27 Billion | +32.17% |
| 2017-12-31 | $1.72 Billion | +61.96% |
| 2016-12-31 | $1.06 Billion | +3.76% |
| 2015-12-31 | $1.02 Billion | +91.82% |
| 2014-12-31 | $533.80 Million | +23.50% |
| 2013-12-31 | $432.22 Million | -1.87% |
| 2012-12-31 | $440.46 Million | +4.21% |
| 2011-12-31 | $422.65 Million | -4.27% |
| 2010-12-31 | $441.50 Million | -17.07% |
| 2009-12-31 | $532.40 Million | +12.84% |
| 2008-12-31 | $471.80 Million | +6.16% |
| 2007-12-31 | $444.42 Million | +18.53% |
| 2006-12-31 | $374.94 Million | +15.86% |
| 2005-12-31 | $323.61 Million | +30.17% |
| 2004-12-31 | $248.61 Million | +23.69% |
| 2003-12-31 | $201.00 Million | +25.70% |
| 2002-12-31 | $159.90 Million | -99.89% |
| 2001-12-31 | $142.46 Billion | -- |
About SmartFinancial, Inc.
SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers in Tennessee, Alabama, and Florida. The company accepts various deposits, including noninterest-bearing and interest-bearing checking, savings, money market, and individual retirement accounts, as well as certificates of deposit. It also provides … Read more