SMBK
SmartFinancial, Inc.
Price Chart
Latest Quote
$44.65
+0.07 (+0.16%)
Current Price
| Previous Close | $44.58 |
| Open | $44.86 |
| Day High | $45.42 |
| Day Low | $44.58 |
| Volume | 102,158 |
Stock Information
| Shares Outstanding | 17.10M |
| Total Debt | $124.78M |
| Cash Equivalents | $357.61M |
| Revenue | $196.53M |
| Net Income | $52.77M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $763.45M |
| P/E Ratio | 14.31 |
| EPS (TTM) | $3.12 |
| Exchange | NYQ |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $526.11M |
| Sales | $196.53M |
| Income | $52.77M |
| Book/sh | $32.87 |
| Cash/sh | $20.91 |
| Employees | 581 |
Financial Ratios
| EPS Growth TTM | 21.60% |
Returns & Margins
| ROA | 0.93% |
| ROE | 9.88% |
| Operating Margin | 37.77% |
| Profit Margin | 26.85% |
Ownership
| Insider Ownership | 11.08% |
| Institutional Ownership | 64.62% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 10.63 |
| P/S | 3.88 |
| P/B | 1.36 |
Analyst Data
| Recommendation | none |
| Target Price | $46.15 |
Technical Indicators
| SMA20 | $42.79 |
| SMA50 | $42.10 |
| SMA200 | $38.73 |
| RSI | 66.78 |
| ATR | 1.3107 |
| Shares Float | 15.18M |
| Short Float | 1.43% |
| Short Ratio | 3.86 |
| Volatility | 0.72 |
| Rel Volume | 1.80 |
Performance History
| Week | -0.42% |
| Month | +10.08% |
| Quarter | +18.70% |
| 6 Months | +14.11% |
| YTD | +22.63% |
| Year | +43.54% |
| 3 Years | +97.36% |
| 5 Years | +92.34% |
| 10 Years | +214.92% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $44.65 | 165,400 |
| 2026-06-17 | $44.58 | 115,900 |
| 2026-06-16 | $44.38 | 128,300 |
| 2026-06-15 | $44.45 | 99,900 |
| 2026-06-12 | $45.46 | 106,100 |
| 2026-06-11 | $44.84 | 118,400 |
| 2026-06-10 | $44.31 | 91,400 |
| 2026-06-09 | $43.55 | 120,100 |
| 2026-06-08 | $42.46 | 99,600 |
| 2026-06-05 | $42.27 | 230,800 |
| 2026-06-04 | $41.62 | 72,200 |
| 2026-06-03 | $40.65 | 61,800 |
| 2026-06-02 | $41.64 | 38,000 |
| 2026-06-01 | $40.85 | 60,600 |
| 2026-05-29 | $41.70 | 67,800 |
| 2026-05-28 | $41.73 | 48,500 |
| 2026-05-27 | $41.45 | 51,800 |
| 2026-05-26 | $41.87 | 42,500 |
| 2026-05-22 | $41.64 | 55,900 |
| 2026-05-21 | $41.61 | 61,200 |
| 2026-05-20 | $41.57 | 88,000 |
| 2026-05-19 | $40.56 | 36,800 |
About SmartFinancial, Inc.
SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers in the United States. The company offers 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 commercial and residential real estate, consumer real estate, construction and land development, commercial and industrial, and consumer and other loans, as well as leases to small and mid-size companies for equipment financing leases. In addition, the company offers wealth management, insurance, mortgage origination, and internet and mobile banking services. It operates in Tennessee, Alabama, and Florida. SmartFinancial, Inc. is based in Knoxville, Tennessee.
đ° Latest News
How The SmartFinancial (SMBK) Story Is Shifting As Analysts Refine Targets And Fair Value
Simply Wall St. âĸ 2026-06-03T19:13:06Z
There's A Lot To Like About SmartFinancial's (NYSE:SMBK) Upcoming US$0.09 Dividend
Simply Wall St. âĸ 2026-05-11T13:10:39Z
Why The Story Around SmartFinancial (SMBK) Is Shifting With New Targets And Assumptions
Simply Wall St. âĸ 2026-04-23T21:07:34Z
SmartFinancial Inc (SMBK) Q1 2026 Earnings Call Highlights: Strong Loan Growth and Revenue ...
GuruFocus.com âĸ 2026-04-21T07:00:49ZSmartFinancial, Inc. Q1 2026 Earnings Call Summary
Moby âĸ 2026-04-20T16:46:29Z
SmartFinancial (SMBK) Q1 2026 Earnings Transcript
Motley Fool âĸ 2026-04-20T15:19:32Z
Compared to Estimates, SmarFinancial (SMBK) Q1 Earnings: A Look at Key Metrics
Zacks âĸ 2026-04-20T13:30:03Z
SmarFinancial (SMBK) Q1 Earnings Meet Estimates
Zacks âĸ 2026-04-20T12:10:01Z
Gear Up for SmarFinancial (SMBK) Q1 Earnings: Wall Street Estimates for Key Metrics
Zacks âĸ 2026-04-15T13:15:03Z
How The Story On SmartFinancial (SMBK) Is Shifting With Fresh Analyst Price Targets
Simply Wall St. âĸ 2026-04-06T18:08:25Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $196,501,000 | $171,502,000 | $152,405,000 | $165,216,000 |
| Operating Revenue | $196,501,000 | $171,502,000 | $152,405,000 | $165,216,000 |
| Expenses | ||||
| Interest Expense | $119,868,000 | $113,769,000 | $87,963,000 | $21,333,000 |
| Selling And Marketing Expense | $1,619,000 | $1,321,000 | $1,342,000 | $1,293,000 |
| General And Administrative Expense | $82,299,000 | $75,490,000 | $68,905,000 | $66,092,000 |
| Professional Expense And Contract Services Expense | $4,775,000 | $4,207,000 | $3,443,000 | $3,790,000 |
| Other Non Interest Expense | $25,350,000 | $23,830,000 | $23,275,000 | $19,912,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $50,347,000 | $36,141,000 | $28,593,000 | $43,022,000 |
| Net Interest Income | $166,104,000 | $137,350,000 | $130,080,000 | $137,501,000 |
| Interest Income | $285,972,000 | $251,119,000 | $218,043,000 | $158,834,000 |
| Normalized Income | $48,194,901 | $36,141,000 | $28,679,822 | $43,462,046 |
| Net Income From Continuing And Discontinued Operation | $50,347,000 | $36,141,000 | $28,593,000 | $43,022,000 |
| Net Income Common Stockholders | $50,347,000 | $36,141,000 | $28,593,000 | $43,022,000 |
| Net Income | $50,347,000 | $36,141,000 | $28,593,000 | $43,022,000 |
| Net Income Including Noncontrolling Interests | $50,347,000 | $36,141,000 | $28,593,000 | $43,022,000 |
| Net Income Continuous Operations | $50,347,000 | $36,141,000 | $28,593,000 | $43,022,000 |
| Pretax Income | $61,501,000 | $45,459,000 | $36,226,000 | $54,908,000 |
| Special Income Charges | $2,629,000 | $0 | $-110,000 | $-562,000 |
| Depreciation Amortization Depletion Income Statement | $2,150,000 | $2,425,000 | $2,624,000 | $2,607,000 |
| Depreciation And Amortization In Income Statement | $2,150,000 | $2,425,000 | $2,624,000 | $2,607,000 |
| Amortization Of Intangibles Income Statement | $2,150,000 | $2,425,000 | $2,624,000 | $2,607,000 |
| Per Share | ||||
| Diluted EPS | $2.98 | $2.14 | $1.69 | $2.55 |
| Basic EPS | $3.00 | $2.16 | $1.70 | $2.57 |
| Other | ||||
| Tax Effect Of Unusual Items | $476,901 | $0 | $-23,178 | $-121,954 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $2,629,000 | $0 | $-110,000 | $-562,000 |
| Total Unusual Items Excluding Goodwill | $2,629,000 | $0 | $-110,000 | $-562,000 |
| Reconciled Depreciation | $9,740,000 | $11,415,000 | $13,498,000 | $12,644,000 |
| Diluted Average Shares | $16,896,519 | $16,875,456 | $16,911,185 | $16,871,369 |
| Basic Average Shares | $16,779,019 | $16,768,956 | $16,805,068 | $16,740,450 |
| Diluted NI Availto Com Stockholders | $50,347,000 | $36,141,000 | $28,593,000 | $43,022,000 |
| Tax Provision | $11,154,000 | $9,318,000 | $7,633,000 | $11,886,000 |
| Gain On Sale Of Business | $3,955,000 | $0 | $0 | - |
| Restructuring And Mergern Acquisition | $1,326,000 | $0 | $110,000 | $562,000 |
| Gain On Sale Of Security | $-3,719,000 | $64,000 | $-6,801,000 | $144,000 |
| Amortization | $2,150,000 | $2,425,000 | $2,624,000 | $2,607,000 |
| Selling General And Administration | $83,918,000 | $76,811,000 | $70,247,000 | $67,385,000 |
| Insurance And Claims | $4,002,000 | $3,390,000 | $3,156,000 | $2,672,000 |
| Salaries And Wages | $78,297,000 | $72,100,000 | $65,749,000 | $63,420,000 |
| Occupancy And Equipment | $13,686,000 | $13,617,000 | $13,451,000 | $12,034,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-16
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $457,051,000 | $386,625,000 | $352,738,000 | $322,680,000 |
| Total Assets | $5,860,810,000 | $5,275,904,000 | $4,829,387,000 | $4,637,498,000 |
| Goodwill And Other Intangible Assets | $95,328,000 | $104,723,000 | $107,148,000 | $109,772,000 |
| Other Intangible Assets | $4,928,000 | $8,623,000 | $11,003,000 | $13,627,000 |
| Receivables | $53,249,000 | $63,959,000 | $68,112,000 | $66,134,000 |
| Other Receivables | $53,249,000 | $63,959,000 | $68,112,000 | $66,134,000 |
| Cash And Cash Equivalents | $451,589,000 | $373,513,000 | $294,823,000 | $251,114,000 |
| Cash Financial | $56,469,000 | $96,508,000 | $61,586,000 | $44,265,000 |
| Cash Cash Equivalents And Federal Funds Sold | $464,417,000 | $387,570,000 | $352,271,000 | $266,424,000 |
| Debt | ||||
| Total Debt | $98,662,000 | $43,684,000 | $50,099,000 | $79,115,000 |
| Long Term Debt And Capital Lease Obligation | $98,662,000 | $39,684,000 | $42,099,000 | $66,615,000 |
| Long Term Debt | $98,662,000 | $39,684,000 | $42,099,000 | $66,615,000 |
| Current Debt And Capital Lease Obligation | $0 | $4,000,000 | $8,000,000 | $12,500,000 |
| Current Debt | $0 | $4,000,000 | $8,000,000 | $12,500,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $5,308,318,000 | $4,784,443,000 | $4,369,501,000 | $4,205,046,000 |
| Equity | ||||
| Common Stock Equity | $552,379,000 | $491,348,000 | $459,886,000 | $432,452,000 |
| Total Equity Gross Minority Interest | $552,492,000 | $491,461,000 | $459,886,000 | $432,452,000 |
| Stockholders Equity | $552,379,000 | $491,348,000 | $459,886,000 | $432,452,000 |
| Gains Losses Not Affecting Retained Earnings | $-9,319,000 | $-23,671,000 | $-25,907,000 | $-35,324,000 |
| Other Equity Adjustments | $-9,319,000 | $-23,671,000 | $-25,907,000 | $-35,324,000 |
| Retained Earnings | $248,719,000 | $203,824,000 | $173,105,000 | $156,545,000 |
| Other | ||||
| Ordinary Shares Number | $17,029,317 | $16,925,672 | $16,988,879 | $16,900,805 |
| Share Issued | $17,029,317 | $16,925,672 | $16,988,879 | $16,900,805 |
| Tangible Book Value | $457,051,000 | $386,625,000 | $352,738,000 | $322,680,000 |
| Invested Capital | $651,041,000 | $535,032,000 | $509,985,000 | $511,567,000 |
| Total Capitalization | $651,041,000 | $531,032,000 | $501,985,000 | $499,067,000 |
| Minority Interest | $113,000 | $113,000 | $0 | - |
| Additional Paid In Capital | $295,950,000 | $294,269,000 | $295,699,000 | $294,330,000 |
| Capital Stock | $17,029,000 | $16,926,000 | $16,989,000 | $16,901,000 |
| Common Stock | $17,029,000 | $16,926,000 | $16,989,000 | $16,901,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Line Of Credit | $0 | $4,000,000 | $8,000,000 | $12,500,000 |
| Investments And Advances | $662,003,000 | $608,987,000 | $689,646,000 | $769,842,000 |
| Held To Maturity Securities | $122,121,000 | $126,659,000 | $281,236,000 | $285,949,000 |
| Available For Sale Securities | $103,770,000 | $171,109,000 | - | - |
| Goodwill | $90,400,000 | $96,100,000 | $96,145,000 | $96,145,000 |
| Net PPE | $88,387,000 | $91,093,000 | $92,963,000 | $92,511,000 |
| Accumulated Depreciation | $-35,500,000 | $-30,892,000 | $-26,592,000 | $-24,782,000 |
| Gross PPE | $123,887,000 | $121,985,000 | $119,555,000 | $117,293,000 |
| Construction In Progress | $455,000 | $1,474,000 | $2,269,000 | $1,762,000 |
| Machinery Furniture Equipment | $27,479,000 | $25,999,000 | $24,301,000 | $24,601,000 |
| Buildings And Improvements | $74,980,000 | $73,539,000 | $71,582,000 | $69,276,000 |
| Land And Improvements | $20,973,000 | $20,973,000 | $21,403,000 | $21,654,000 |
| Other Short Term Investments | $436,112,000 | $482,328,000 | $408,410,000 | $483,893,000 |
| Treasury Shares Number | - | - | $0 | - |
Fetched: 2026-06-16
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $59,335,000 | $46,295,000 | $33,446,000 | $44,306,000 |
| Operating Activities | ||||
| Operating Cash Flow | $61,724,000 | $52,700,000 | $39,716,000 | $56,793,000 |
| Cash Flow From Continuing Operating Activities | $61,724,000 | $52,700,000 | $39,716,000 | $56,793,000 |
| Operating Gains Losses | $-222,000 | $-1,711,000 | $6,820,000 | $-388,000 |
| Investing Activities | ||||
| Capital Expenditure | $-2,389,000 | $-6,405,000 | $-6,270,000 | $-12,487,000 |
| Investing Cash Flow | $-499,048,000 | $-420,222,000 | $-135,240,000 | $-840,818,000 |
| Cash Flow From Continuing Investing Activities | $-499,048,000 | $-420,222,000 | $-135,240,000 | $-840,818,000 |
| Net Other Investing Changes | $-4,065,000 | $-34,323,000 | $169,000 | $451,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $0 | $-2,967,000 | $0 | $0 |
| Issuance Of Capital Stock | $153,000 | $181,000 | $165,000 | $397,000 |
| Financing Cash Flow | $514,171,000 | $402,821,000 | $181,371,000 | $5,372,000 |
| Cash Flow From Continuing Financing Activities | $514,171,000 | $402,821,000 | $181,371,000 | $5,372,000 |
| Net Other Financing Charges | $-308,000 | $-223,000 | $-57,000 | $-206,000 |
| Cash Dividends Paid | $-5,452,000 | $-5,422,000 | $-5,427,000 | $-4,724,000 |
| Common Stock Dividend Paid | $-5,452,000 | $-5,422,000 | $-5,427,000 | $-4,724,000 |
| Net Preferred Stock Issuance | $0 | $113,000 | $0 | $0 |
| Preferred Stock Issuance | $0 | $113,000 | $0 | $0 |
| Net Common Stock Issuance | $153,000 | $-2,899,000 | $165,000 | $397,000 |
| Common Stock Issuance | $153,000 | $68,000 | $165,000 | $397,000 |
| Other | ||||
| Repayment Of Debt | $-46,500,000 | $-166,600,000 | $-30,775,000 | $-76,300,000 |
| Issuance Of Debt | $101,066,000 | $160,100,000 | $26,275,000 | $30,885,000 |
| Interest Paid Supplemental Data | $116,443,000 | $113,665,000 | $85,443,000 | $21,356,000 |
| Income Tax Paid Supplemental Data | $12,390,000 | $8,774,000 | $9,347,000 | $12,205,000 |
| End Cash Position | $464,417,000 | $387,570,000 | $352,271,000 | $266,424,000 |
| Beginning Cash Position | $387,570,000 | $352,271,000 | $266,424,000 | $1,045,077,000 |
| Changes In Cash | $76,847,000 | $35,299,000 | $85,847,000 | $-778,653,000 |
| Common Stock Payments | $0 | $-2,967,000 | $0 | $0 |
| Net Issuance Payments Of Debt | $54,566,000 | $-6,500,000 | $-4,500,000 | $-45,415,000 |
| Net Long Term Debt Issuance | $54,566,000 | $-6,500,000 | $-4,500,000 | $-45,415,000 |
| Long Term Debt Payments | $-46,500,000 | $-166,600,000 | $-30,775,000 | $-76,300,000 |
| Long Term Debt Issuance | $101,066,000 | $160,100,000 | $26,275,000 | $30,885,000 |
| Net Investment Purchase And Sale | $-39,575,000 | $85,055,000 | $83,770,000 | $-266,974,000 |
| Sale Of Investment | $175,770,000 | $216,431,000 | $214,354,000 | $80,935,000 |
| Purchase Of Investment | $-215,345,000 | $-131,376,000 | $-130,584,000 | $-347,909,000 |
| Net Business Purchase And Sale | $11,200,000 | $0 | $0 | $-4,881,000 |
| Sale Of Business | $11,200,000 | $0 | $0 | - |
| Net PPE Purchase And Sale | $-2,266,000 | $-1,707,000 | $-5,588,000 | $-11,027,000 |
| Sale Of PPE | $123,000 | $4,698,000 | $682,000 | $1,460,000 |
| Purchase Of PPE | $-2,389,000 | $-6,405,000 | $-6,270,000 | $-12,487,000 |
| Change In Working Capital | $485,000 | $3,020,000 | $-10,330,000 | $-2,672,000 |
| Change In Other Current Liabilities | $-5,604,000 | $-120,000 | $-8,129,000 | $27,018,000 |
| Change In Other Current Assets | $4,114,000 | $3,788,000 | $-1,732,000 | $-25,424,000 |
| Change In Payables And Accrued Expense | $3,425,000 | $250,000 | $2,520,000 | $-24,000 |
| Change In Payable | $3,425,000 | $250,000 | $2,520,000 | $-24,000 |
| Change In Account Payable | $3,425,000 | $250,000 | $2,520,000 | $-24,000 |
| Change In Receivables | $-1,450,000 | $-898,000 | $-2,989,000 | $-4,242,000 |
| Changes In Account Receivables | $-1,450,000 | $-898,000 | $-2,989,000 | $-4,242,000 |
| Other Non Cash Items | $-7,845,000 | $-3,067,000 | $-4,552,000 | $-576,000 |
| Stock Based Compensation | $1,939,000 | $1,629,000 | $1,349,000 | $1,300,000 |
| Deferred Tax | $-470,000 | $120,000 | $1,309,000 | $-555,000 |
| Deferred Income Tax | $-470,000 | $120,000 | $1,309,000 | $-555,000 |
| Depreciation Amortization Depletion | $9,740,000 | $11,415,000 | $13,498,000 | $12,644,000 |
| Depreciation And Amortization | $9,740,000 | $11,415,000 | $13,498,000 | $12,644,000 |
| Amortization Cash Flow | $2,150,000 | $2,425,000 | $2,624,000 | $2,607,000 |
| Amortization Of Intangibles | $2,150,000 | $2,425,000 | $2,624,000 | $2,607,000 |
| Depreciation | $7,590,000 | $8,990,000 | $10,874,000 | $10,037,000 |
| Gain Loss On Investment Securities | $3,719,000 | $-64,000 | $6,801,000 | $-144,000 |
| Gain Loss On Sale Of PPE | $14,000 | $-1,647,000 | $19,000 | $-244,000 |
| Gain Loss On Sale Of Business | $-3,955,000 | $0 | $0 | - |
| Net Income From Continuing Operations | $50,347,000 | $36,141,000 | $28,593,000 | $43,022,000 |
Fetched: 2026-06-16