About Smart & Final, Inc.

Smart & Final caters to caterers -- as well as small businesses, restaurants, and households across the western US. Its about 300 non-membership warehouse stores stock groceries, party supplies, paper products, cleaning supplies, and more, in bulk sizes and quantities. The stores operate under the Smart & Final, Smart & Final Extra!, and Cash & Carry banners in urban and suburban areas in Arizona, California, Idaho, Nevada, Oregon, and Washington, as well as 15 stores in northern Mexico. Founded in 1871 in Los Angeles, the retailer later took the names of owners J. S. Smart and H. D. Final. The chain went public in 2015.


The company went public in 2015. It raised $167.7 million from the IPO, which it used in part to pay down its around $1 billion in debt it had at the time.


In addition to 260-plus Smart & Final Warehouse stores, the retailer also operates about 60 stores under the Smart Foodservice Cash & Carry name. The stores carry a broad range of restaurant-quality food, food service supplies, and culinary equipment. In addition, the grocer operates more than 170 Smart & Final Extra! stores.

The Smart & Final business brings in around 80% of revenue each year, and Cash & Carry brings in the remainder.

Geographic Reach

Smart & Final is headquartered in California and maintains seven distribution centers in the state. It operates stores in Arizona, California, Idaho, Nevada, Oregon, and Washington. Outside the US, Smart & Final operates more than a dozen stores in Mexico through a joint venture with Calimax, a major grocery store operator there.

Sales and Marketing

Smart & Final serves several customer types, including food service and household customers. Its food service clients are typically operators of small restaurants, catering companies, businesses, warehouse clubs, and civic organizations.

Financial Performance

Smart & Final's net sales have increased the past four years, climbing 9% to a record-setting $4.3 billion in 2016. Sales growth was due mostly to the addition of 33 new Extra! stores and four new Cash & Carry stores in 2016. The additional Extra! stores helped its Smart & Final sales grow by 12% in 2016.

Despite the historic revenue total, the company's net income fell 66% from $38 million in 2015 to $13 million in 2016. The decrease was attributed to a spike in operating and administrative expenses related to increased wages, fringe benefits, incentive bonus costs, and marketing costs in support of new store openings.

After increasing for several straight years, cash flow from operations decreased from $145 million in 2015 to $97 million in 2016 lower net income and increased working capital.


Smart & Final's growth strategy is based on opening new store locations, particularly its Extra! stores as well as Cash & Carry. It also plans to convert its Smart & Final stores to Extra! stores. In 2016 the company opened 33 new Extra! stores and four Cash & Carry new stores. This builds on 2015, when the company opened 20 new stores and relocated three. During 2017, the company plans to open 15 new Extra! stores and four Cash & Carry new stores.

Smart & Final also grew its store network in 2015, when it acquired 32 locations from bankrupt Haggen Holdings and converted the acquired stores into Extra! stores.

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Smart & Final, Inc.

600 Citadel Dr
Commerce, CA 90040-1562
Phone: 1 (323) 869-7500
Fax: 1 (323) 564-6729


  • Employer Type: Public
  • Ceo: George G Golleher
  • Chb: David B Kaplan
  • President, Cash and Carry: Martin J Trtek
  • Employees: 2

Major Office Locations

  • Commerce, CA
  • Los Angeles, CA

Other Locations

  • Glendale, AZ
  • Phoenix, AZ
  • Anaheim, CA
  • Atascadero, CA
  • Bakersfield, CA
  • Baldwin Park, CA
  • Camarillo, CA
  • Chatsworth, CA
  • Chico, CA
  • Chino, CA
  • Chula Vista, CA
  • Daly City, CA
  • Encinitas, CA
  • Eureka, CA
  • Fontana, CA
  • Fremont, CA
  • Gardena, CA
  • Glendale, CA
  • Gold River, CA
  • Hemet, CA
  • Hesperia, CA
  • La Mesa, CA
  • Laguna Hills, CA
  • Lakewood, CA
  • Lodi, CA
  • Merced, CA
  • Modesto, CA
  • Moreno Valley, CA
  • Oakland, CA
  • Ontario, CA
  • Paso Robles, CA
  • Petaluma, CA
  • Pleasant Hill, CA
  • Pleasanton, CA
  • Redding, CA
  • Redwood City, CA
  • Richmond, CA
  • Riverside, CA
  • Sacramento, CA
  • San Diego, CA
  • San Francisco, CA
  • San Jose, CA
  • San Pedro, CA
  • Santa Ana, CA
  • Stanton, CA
  • Sunnyvale, CA
  • Torrance, CA
  • Tulare, CA
  • Union City, CA
  • Upland, CA
  • Whittier, CA
  • Key West, FL
  • Boise, ID
  • Las Vegas, NV
  • Beaverton, OR
  • Clackamas, OR
  • Eugene, OR
  • Gresham, OR
  • Klamath Falls, OR
  • Medford, OR
  • Newport, OR
  • Pendleton, OR
  • Portland, OR
  • Salem, OR
  • The Dalles, OR
  • Warrenton, OR
  • Bellevue, WA
  • Bellingham, WA
  • Bremerton, WA
  • Everett, WA
  • Federal Way, WA
  • Kelso, WA
  • Olympia, WA
  • Richland, WA
  • Seattle, WA
  • Spokane, WA
  • Spokane Valley, WA
  • Tacoma, WA
  • Tukwila, WA
  • Union Gap, WA
  • Vancouver, WA
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