SmartFinancial, Inc.

SmartFinancial, Inc.

SMBK
SmartFinancial, Inc.US flagNew York Stock Exchange
41.64
USD
+0.79
- -
711.98MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
10.31
11.66
4.56
7
5.79
6.54
6.49
7.78
8.82
9.87
9.07
10.23
11.71
12.12
Basic EPS, GAAP
0.11
1.04
0.24
0.81
0.56
1.46
1.9
1.63
2.23
2.57
1.7
2.16
3
3.14
Free Cash Flow per Basic Share
2.69
-0.7
0.22
0.78
-0.18
1.37
1.69
1.58
2.81
2.65
1.99
2.76
3.54
3.34
Dividend per Share
0.88
0.07
0.02
0.13
0.02
- -
0.05
0.2
0.24
0.28
0.32
0.32
0.32
0.33
Book Value per Share
2.11
8.27
3.08
3.86
3.83
4.34
5.72
6.84
8.67
10.36
11.31
13.16
15.84
16.56
Tangible Book Value per Share
15.42
33.64
16.06
16.72
17.96
16.43
16.88
18.1
20.78
19.28
20.99
23.06
27.25
27.83
Basic Weighted Avg Shares
2
2
6
6
9
12
14
15
16
17
17
17
17
17
Sales/Revenue/Turnover
17
19
26
41
50
81
91
116
137
165
152
172
197
203
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
2
1
2
-2
3
4
8
9
13
13
11
10
9
Net Income, GAAP
2
2
2
6
5
18
27
24
35
43
29
36
50
53
Effective Tax Rate (%)
38.29
37.88
52.08
36.7
56.18
15.15
20.62
21.23
21.5
21.65
21.07
20.5
18.14
18.44
Profit Margin (%)
9.96
9.51
5.7
14.04
10.04
22.3
29.3
20.92
25.33
26.04
18.76
21.07
25.62
25.94
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
27
12
34
19
44
50
65
115
130
67
42
40
99
99
Total Equity
40
56
100
105
206
283
313
357
429
432
460
491
552
562
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
5.42
20.01
8.8
23.49
17.27
41.63
39.69
26.72
29.32
27.89
15.73
17.59
20.7
20.74

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
139
99
99
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
17
17
17
Market Capitalization
599
621
656

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
927
888
784
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
20.94%
9.31%
12.42%
Free Cash Flow
-89.05%
25.72%
28.17%
Net Income, GAAP
66.86%
19.76%
39.31%
Sales/Revenue/Turnover
23.71%
11.55%
14.58%
Total Cash Common Dividend
- -
13.38%
0.55%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
40
40
44
47
172
2025
47
49
47
53
197
2026
54
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.56
0.48
0.55
0.58
2.16
2025
0.67
0.7
0.82
0.82
3
2026
0.81
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.08
0.08
0.08
0.08
0.32
2025
0.08
0.08
0.08
0.08
0.32
2026
0.08
- -
- -
- -
- -

Company Description

APIChat
CEO
William Young Carroll Jr.
Full Time Employees
597
Sector
Financial Services
Industry
Banks - Regional
Address
5401 Kingston Pike Knoxville TN United States of America 37919
IPO Date
Oct 7, 2003
Business
SmartFinancial, Inc. functions as the parent entity for SmartBank, delivering a comprehensive suite of financial offerings to individual consumers and business clientele. Its operations span across several key areas, including commercial and consumer real estate, construction and land development, commercial and industrial ventures, and various consumer-focused services. The company provides a diverse array of deposit products such as both noninterest-bearing and interest-bearing checking accounts, demand accounts, savings, money market, and time deposits, alongside individual retirement accounts and certificates of deposit. Furthermore, it extends credit through commercial and residential real estate loans, consumer real estate loans, construction and land development financing, commercial and industrial loans and leases, as well as mortgage and direct consumer installment loans, educational loans, and other revolving credit options. Beyond traditional banking, SmartFinancial offers wealth management solutions through a partnership with Raymond James Financial Services, insurance services via SBK Insurance, mortgage origination, and convenient internet and mobile banking platforms. Headquartered in Knoxville, Tennessee, the company maintained a footprint of 42 full-service branches throughout Tennessee, Alabama, and the Florida Panhandle as of March 2025, with total assets exceeding $5 billion as of June 30, 2025.

Company News

APIChat
  • SmartFinancial Approves Regular Quarterly Cash Dividend

  • Compared to Estimates, SmarFinancial (SMBK) Q1 Earnings: A Look at Key Metrics

  • SmarFinancial (SMBK) Q1 Earnings Meet Estimates

  • SmartFinancial Announces Results for the First Quarter 2026

  • Gear Up for SmarFinancial (SMBK) Q1 Earnings: Wall Street Estimates for Key Metrics

  • Deprince Race & Zollo Inc. Acquires 16,367 Shares of SmartFinancial, Inc. $SMBK

  • SG Americas Securities LLC Purchases 30,769 Shares of SmartFinancial, Inc. $SMBK

  • SmartFinancial Sets Dates for First Quarter Earnings Release and Conference Call

  • SmartFinancial, Inc. (NASDAQ:SMBK) Given Average Rating of “Moderate Buy” by Analysts

  • What Makes SmarFinancial (SMBK) a New Buy Stock

  • SmartFinancial, Inc. (NASDAQ:SMBK) Receives Consensus Recommendation of “Moderate Buy” from Analysts

  • Hillsdale Investment Management Inc. Has $3.67 Million Position in SmartFinancial, Inc. $SMBK

  • SmartFinancial Approves Regular Quarterly Cash Dividend and Announces Share Repurchase Program

  • SmarFinancial (SMBK) Moves to Buy: Rationale Behind the Upgrade

  • SmartFinancial, Inc. (SMBK) Q4 2025 Earnings Call Transcript

  • SmartFinancial Announces Results for the Fourth Quarter 2025

  • Insights Into SmarFinancial (SMBK) Q4: Wall Street Projections for Key Metrics

  • SmartFinancial Sets Dates for Fourth Quarter Earnings Release and Conference Call

  • SmartFinancial, Inc. Announces Extension of Exchange Offer for 7.25% Fixed-to-Floating Rate Subordinated Notes due 2035

  • SmartFinancial, Inc. $SMBK Shares Sold by Deprince Race & Zollo Inc.