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SmartFinancial, Inc. SMBK R2KR3KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.smartbank.com
Company Profile ↓
$49.34
+38.59% 1Y
Mkt Cap$843.64M
P/E14.55
P/B1.53
Div. Yield0.65%
52W High$53.23
52W Low$33.17
Book Value$33.73
EPS (TTM)$3.39

Company Overview

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.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 13.7% per year over the last five years.

Reasonable Valuation

Trades at an undemanding P/E of 14.6.

Healthy Margins

Maintains a net profit margin of 28.1%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $196.50M (+14.6% YoY); net profit $50.35M.
  • Trailing 12 Months Year-on-year growth — revenue +16.4%, earnings +39.1%.
  • 5-Year Trend Long-term compounding — revenue CAGR 5.9%, profit CAGR 13.7%.

Growth & Price Performance

Compounded Sales Growth

5 Years:5.95%
1 Year:16.40%

Compounded Profit Growth

5 Years:13.65%
1 Year:39.10%

Stock Price Performance

1 Year:+38.59%
6 Months:+17.46%
3 Months:-3.64%
1 Month:-1.91%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Mixed
52-Week Range 81% of range
$33.17 $53.23
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMAAbove
  • RSI (14)43.69 · Neutral
Price Performance
1M-1.91%
3M-3.64%
6M+17.46%
1Y+38.59%
Valuation vs Sector

P/E of 14.55 is above the sector median of 13.55 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 28.1%.
  • Profit CAGR of 13.7% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

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Valuation

Stock P/E
14.55
Industry PE
13.55
Forward P/E
11.78
PEG Ratio
-
Book Value
$33.73
Price to Book
1.53
P/S
4.33
EV/EBITDA
-
Dividend Yield
0.65%

Growth (CAGR)

Revenue 5Y
5.95%
Profit 5Y
13.65%
Revenue (YoY)
16.40%
Earnings (YoY)
39.10%

Profitability & Returns

ROCE
-
ROE
10.47%
ROA
0.99%
Profit Margin
28.11%
Op Margin
41.68%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.96
EPS (TTM)
$3.39

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$120.81M
Total Assets
$5.91B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
11.07%
Chg in Prom Hold
-0.00%
FII / Inst Holding
66.06%
Chg in FII Hold
0.04%

Financial Snapshot

Enterprise Value
$843.64M
Total Revenue (TTM)
$204.19M
EBITDA
-
Free Cash Flow
$59.34M
Operating Cash Flow
$73.44M
Shares Outstanding
17.10M
Gross Margin
0.00%
Payout Ratio
9.73%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 SMBK SmartFinancial, Inc. R2KR3KFINANCIAL 49.34 14.55 $843.64M 0.65% - 10.47% 5.95% 13.65%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 331.58 14.21 $881.40B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 542.19 13.64 $763.42B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 407.92 34.69 $695.14B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 623.60 34.34 $542.20B 0.62% 60.19% - 12.29% 19.21%
6 BRK-A Berkshire Hathaway Inc. FINANCIAL 813,595.00 13.64 $397.40B 0.00% - 12.12% 7.60% 10.02%
7 BAC Bank of America Corporation SPXR3KFINANCIAL 50.56 11.68 $353.55B 2.39% - 11.20% 3.14% 4.27%
8 HSBC HSBC Holdings plc FINANCIAL 90.68 12.95 $310.38B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 179.49 14.51 $281.90B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Jun 2014Sep 2014Dec 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue ----------------------------------46.84M49.24M47.11M53.31M53.82M-
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense ----------------------------------28.14M29.11M32.09M30.53M28.39M-
Pretax Income ----------------------------------13.56M14.26M16.97M16.71M16.76M-
Tax Provision ----------------------------------2.31M2.56M3.29M3.01M3.08M-
Net Income 409.48K705.21K410.96K338.39K66.10K-76.91K1.35M1.19M1.61M1.64M1.65M1.68M3.41M3.93M4.32M4.73M9.12M5.96M2.73M6.17M6.39M9.76M8.78M9.60M8.26M10.21M11.54M11.50M8.84M2.07M9.36M8.00M9.14M-11.25M11.71M13.69M13.70M13.68M-
Diluted EPS 0.000.200.010.090.01-0.030.190.150.220.190.200.200.300.320.340.340.650.420.190.410.420.650.580.610.490.610.680.680.520.120.550.480.54--0.690.810.810.810.96

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -------------165.22M152.41M171.50M196.50M
Cost of Revenue -----------------
Gross Profit -----------------
Operating Expenses -----------------
Operating Income -----------------
EBITDA -----------------
Interest Expense -------------21.33M87.96M113.77M119.87M
Pretax Income -------------54.91M36.23M45.46M61.50M
Tax Provision -------------11.89M7.63M9.32M11.15M
Net Income -8.18M-4.71M1.03M1.40M1.68M1.83M1.51M5.80M5.02M18.10M26.55M24.33M-43.02M28.59M36.14M50.35M
Diluted EPS -1.26-0.730.050.020.020.520.320.780.551.451.891.62-2.551.692.142.98

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --441.50M422.66M443.45M432.22M533.80M1.02B1.06B1.72B2.27B2.45B3.30B4.61B4.64B4.83B5.28B5.86B
Total Equity 36.50M27.84M25.82M35.21M40.89M52.83M55.89M100.18M105.24M205.85M283.01M312.75M357.17M429.43M432.45M459.89M491.35M552.38M
Cash & Equivalents 21.90M38.20M22.98M38.88M59.40M79.44M46.74M79.96M68.75M113.03M115.82M183.97M481.72M1.05B266.42M352.27M387.57M464.42M
Long Term Debt ------------75.40M-----
Total Liabilities --415.68M387.45M402.56M392.09M477.91M923.79M957.22M1.51B1.99B2.14B2.95B4.18B4.21B4.37B4.78B5.31B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 6.05M10.11M2.72M4.91M----1.24M20.82M29.87M29.07M46.18M56.79M39.72M52.70M61.72M
Investing Cash Flow -58.44M60.90M34.36M-3.43M-----50.73M-94.88M-94.78M-259.34M-264.99M-840.82M-135.24M-420.22M-499.05M
Financing Cash Flow 68.70M-86.23M-21.18M19.04M----93.77M76.85M133.06M528.02M782.17M5.37M181.37M402.82M514.17M
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-2.38M-12.49M-6.27M-6.41M-2.39M
Free Cash Flow 5.74M9.27M2.60M4.75M-----1.56M16.98M23.60M23.63M43.80M44.31M33.45M46.30M59.34M
Share Buybacks -----------4.31M1.21M--2.97M-
Dividends Paid ---------0700.00K2.99M3.73M4.72M5.43M5.42M5.45M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 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
11.07%
Institutions
66.06%
Public Float
74.28%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 8.59% 1.47M $73.44M
2 Dimensional Fund Advisors LP 4.89% 836.09K $41.82M
3 Vanguard Capital Management LLC 3.98% 679.82K $34.00M
4 Wellington Management Group, LLP 3.48% 594.39K $29.73M
5 State Street Corporation 2.67% 457.06K $22.86M
6 American Century Companies Inc 2.62% 448.67K $22.44M
7 Private Capital Management, LLC 2.53% 432.51K $21.63M
8 Geode Capital Management, LLC 2.23% 381.42K $19.08M
9 Acadian Asset Management. LLC 2.03% 346.49K $17.33M
10 First Eagle Investment Management, LLC 1.87% 319.34K $15.97M

Analyst View

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Latest News

Recent headlines for SMBK

Google News Fri, 23 Oct 2026

SMBK Jan 2027 45.000 call (SMBK270115C00045000) interactive stock chart - Yahoo Finance UK

<a href="https://news.google.com/rss/articles/CBMibkFVX3lxTE1zWXpKZXlncU5vM1RVS2VyVy1hMWxLVGNlUHlKWmxXcTVsdnZTazIwVHhsZ01uSHRQM3RBbzV6YzhQZ2k5WE14WDZyR0ljeHBZdjIwZFFlNjZTSU1HLWFDT19JVGt0c04yWkxqS2Zn?oc=5" target="_blank">SMBK Jan 2027 45.00…

Google News ue, 20 Oct 2026

SmartFinancial (SMBK) Reports Strong Q3 2026 Results Amid Valuation Concerns - GuruFocus

<a href="https://news.google.com/rss/articles/CBMiswFBVV95cUxNSHlQanZQYWNPT1BPenFOTkZIU2toRkNDOEUxUXJYSUtMa1AwUG1LZDJDWDMwdmJwOE1jUHhiekMtbkEwWUJBeDRDbmFSWEFUdkNzT1dfamNIVlVOS3ZZS0liTkdkUDRsV1IxbEZEWDVDMzRySk91X2FqRktDV05lbzZIVUNOZFFwTTA4SW…

Google News ue, 20 Oct 2026

SmartFinancial, Inc. 2026 Q3 - Results - Earnings Call Presentation (NYSE:SMBK) 2026-10-20 - Seeking Alpha

<a href="https://news.google.com/rss/articles/CBMipAFBVV95cUxNZlNPVUNIN2k0MFZnQUg4VTZyRVlFVGUxMVhNckxPcHNqU3MtcElLQWY4NXBsbmp4MXdEVWEzU2FzU1MzZEtnOUgxNjkxelgwa1UxSlhlNFEyaXhKR0lIdUlzUlhCa1kzSXBYYnI5dWNjMUZUd256b0lnRjlma2dDZXA3UGN3RHNsbF9BX1…

Google News Wed, 21 Oct 2026

SmartFinancial (SMBK) Stock Faces Q3 Earnings Valuation Gap And Funding Risk - Simply Wall Street

<a href="https://news.google.com/rss/articles/CBMixwFBVV95cUxOajVybzEyc3NXR2lHVVhzRXhndnViS3hoYXhkTGhVakJQUWdoNzBWbjU3VUsweEswR3gtMnVVUzE1WjMwa3pHOGt5b2R4bHI5RnFTcjdxVVllNUZlSlFjazlZN0xadjhPUU9FY1dyVW11eVFsS3NWS1hxNDBtY0lmZDUtVjlVeW5kM28zdW…

Google News Mon, 19 Oct 2026

Loans and leases grew by $174 million at SmartFinancial in Q3. - Stock Titan

<a href="https://news.google.com/rss/articles/CBMirwFBVV95cUxOMHdDUUttekhDczQ1Wmxhc3RtYTZsTW50VEJ0RU52dTh4M3Z4N3dBUE1rTC0yVEFlbVJGMzhiWHdrYTdvMWVXSGVVSVE1NFd2c0tGUFpjcTQ2MU1TaUx5ajgtaWQ0VFB0VWw2eWhjOEJvN1A3eVBhTkhwaTRac3E4SkpWelROOUFobDhadE…

Google News Wed, 21 Oct 2026

Piper Sandler Sticks to Their Hold Rating for SmartFinancial (SMBK) - The Globe and Mail

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SMBK — Frequently Asked Questions

What is the current share price of SmartFinancial, Inc. (SMBK)?

As of 2026-10-23 16:27 PDT, SmartFinancial, Inc. (SMBK) trades at $49.34 on NYSE. Its 52-week range is $33.17 to $53.23.

What is the market capitalisation of SMBK?

SmartFinancial, Inc. (SMBK) has a market capitalisation of $843.64M on NYSE.

What is the P/E ratio of SMBK?

SMBK trades at a trailing price-to-earnings (P/E) ratio of 14.55. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 1.53.

Does SMBK pay a dividend?

SmartFinancial, Inc. (SMBK) currently offers a dividend yield of 0.65%.

What is the return on equity (ROE) of SMBK?

SMBK has a return on equity (ROE) of 10.47%.

Is SMBK a good stock to buy?

This page provides a data-driven analysis of SmartFinancial, Inc. (SMBK), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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