SmartFinancial, Inc. SMBK R2K

Financial Services · Banks - Regional · United States

https://www.smartbank.com

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.

Market & Price

Market Cap

$713.01M

Current Price

$41.70

High / Low (52W)

$42.81 / $31.03

Beta

0.73

Valuation

Stock P/E

13.37

Industry PE

12.01

Forward P/E

9.93

PEG Ratio

Book Value

$32.87

Price to Book

1.27

P/S

3.63

EV/EBITDA

Dividend Yield

0.79%

Profitability & Returns

ROCE

ROE

9.88%

ROA

0.93%

Profit Margin

26.85%

Op Margin

37.77%

EPS (Latest Qtr)

$0.81

EPS (TTM)

$3.12

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$124.78M

Total Assets

$5.86B

Current Assets

Working Capital

Ownership

Promoter Holding

11.06%

Chg in Prom Hold

FII / Inst Holding

64.60%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$480.29M

Total Revenue (TTM)

$196.53M

EBITDA

Free Cash Flow

Operating Cash Flow

$63.80M

Shares Outstanding

17.10M

Gross Margin

0.00%

Payout Ratio

10.26%

Growth (CAGR)

Revenue 5Y

5.95%

Profit 5Y

5.38%

Revenue (YoY)

8.30%

Earnings (YoY)

20.90%

PROS

Excellent profit margin of 26.9%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	SMBK SmartFinancial, Inc. R2K	41.70	13.37	$713.01M	0.79%	-	9.88%	5.95%	5.38%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Mar 2014	Jun 2014	Sep 2014	Dec 2014	Mar 2015	Jun 2015	Sep 2015	Mar 2016	Jun 2016	Sep 2016	Mar 2017	Jun 2017	Sep 2017	Mar 2018	Jun 2018	Sep 2018	Mar 2019	Jun 2019	Sep 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	46.84M	49.24M	47.11M	53.31M	53.82M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	28.14M	29.11M	32.09M	30.53M	28.39M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	13.56M	14.26M	16.97M	16.71M	16.76M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.31M	2.56M	3.29M	3.01M	3.08M
Net Income	412.15K	409.48K	705.21K	410.96K	338.39K	66.10K	-76.91K	1.35M	1.19M	1.61M	1.64M	1.65M	1.68M	3.41M	3.93M	4.32M	4.73M	9.12M	5.96M	2.73M	6.17M	6.39M	9.76M	8.78M	9.60M	8.26M	10.21M	11.54M	11.50M	8.84M	2.07M	9.36M	8.00M	-	-	11.25M	11.71M	13.69M	13.70M	13.68M
Diluted EPS	0.00	0.00	0.20	0.01	0.09	0.01	-0.03	0.19	0.15	0.22	0.19	0.20	0.20	0.30	0.32	0.34	0.34	0.65	0.42	0.19	0.41	0.42	0.65	0.58	0.61	0.49	0.61	0.68	0.68	0.52	0.12	0.55	0.48	-	-	0.67	0.69	0.81	0.81	0.81

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	165.22M	152.41M	171.50M	196.50M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	21.33M	87.96M	113.77M	119.87M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	54.91M	36.23M	45.46M	61.50M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	11.89M	7.63M	9.32M	11.15M
Net Income	-8.18M	-4.71M	1.03M	1.40M	1.68M	1.83M	1.51M	5.80M	5.02M	18.10M	26.55M	24.33M	-	43.02M	28.59M	36.14M	50.35M
Diluted EPS	-1.26	-0.73	0.05	0.02	0.02	0.52	0.32	0.78	0.55	1.45	1.89	1.62	-	2.55	1.69	2.14	2.98

Compounded Sales Growth

5 Years:	5.95%
1 Year:	8.30%

Compounded Profit Growth

5 Years:	5.38%
1 Year:	20.90%

Stock Price Performance

1 Year:	+32.37%
6 Months:	+14.72%
3 Months:	+6.59%
1 Month:	+0.08%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	441.50M	422.66M	443.45M	432.22M	533.80M	1.02B	1.06B	1.72B	2.27B	2.45B	3.30B	4.61B	4.64B	4.83B	5.28B	5.86B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	21.90M	38.20M	22.98M	38.88M	59.40M	79.44M	46.74M	79.96M	68.75M	113.03M	115.82M	183.97M	481.72M	1.05B	251.11M	294.82M	373.51M	451.59M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	66.13M	68.11M	63.96M	53.25M
Total Liabilities	-	-	415.68M	387.45M	402.56M	392.09M	477.91M	923.79M	957.22M	1.51B	1.99B	2.14B	2.95B	4.18B	4.21B	4.37B	4.78B	5.31B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	75.40M	-	66.61M	42.10M	39.68M	98.66M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	79.11M	50.10M	43.68M	98.66M
Total Equity	36.50M	27.84M	25.82M	35.21M	40.89M	52.83M	55.89M	100.18M	105.24M	205.85M	283.01M	312.75M	357.17M	429.43M	432.45M	459.89M	491.35M	552.38M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	16.90M	16.99M	16.93M	17.03M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	6.05M	10.11M	2.72M	4.91M	-	-	-	-	1.24M	20.82M	29.87M	29.07M	-	56.79M	39.72M	52.70M	61.72M
Investing Cash Flow	-58.44M	60.90M	34.36M	-3.43M	-	-	-	-	-50.73M	-94.88M	-94.78M	-259.34M	-	-840.82M	-135.24M	-420.22M	-499.05M
Financing Cash Flow	68.70M	-86.23M	-21.18M	19.04M	-	-	-	-	93.77M	76.85M	133.06M	528.02M	-	5.37M	181.37M	402.82M	514.17M
Capital Expenditure	-310.11K	-835.01K	-123.67K	-160.16K	-14.25K	-2.85M	-1.08M	-6.99M	-2.80M	-3.85M	-6.27M	-5.44M	-	-12.49M	-6.27M	-6.41M	-2.39M
Free Cash Flow	5.74M	9.27M	2.60M	4.75M	-	-	-	-	-1.56M	16.98M	23.60M	23.63M	-	44.31M	33.45M	46.30M	59.34M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-778.65M	85.85M	35.30M	76.85M
Share Buybacks	-	-	-	-	-	-	-	-	-	-	-	4.31M	1.21M	-	-	2.97M	-
Dividends Paid	-	-	-	-	-	-	-	-	-	0	700.00K	2.99M	3.73M	4.72M	5.43M	5.42M	5.45M

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	26.0%	18.8%	21.1%	25.6%
ROE %	-29.4%	-18.2%	2.9%	3.4%	3.2%	3.3%	1.5%	5.5%	2.4%	6.4%	8.5%	6.8%	-	9.9%	6.2%	7.4%	9.1%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

11.06%

Institutions

64.60%

Public Float

72.63%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	7.51%	1.28M	$53.57M
2	Dimensional Fund Advisors LP	4.89%	836.39K	$34.88M
3	Vanguard Capital Management LLC	3.98%	680.42K	$28.37M
4	Wellington Management Group, LLP	3.95%	675.35K	$28.16M
5	State Street Corporation	2.58%	440.53K	$18.37M
6	Private Capital Management, LLC	2.50%	428.15K	$17.85M
7	American Century Companies Inc	2.17%	371.81K	$15.50M
8	Geode Capital Management, LLC	2.08%	355.36K	$14.82M
9	Acadian Asset Management. LLC	1.66%	284.18K	$11.85M
10	First Eagle Investment Management, LLC	1.31%	224.04K	$9.34M

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