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    Banks - Regional
SmartFinancial, Inc.

SmartFinancial, Inc.

SMBK
SmartFinancial, Inc.US flagNew York Stock Exchange
48.60
USD
+0.93
- -
830.99MMarket Cap
SmartFinancial, Inc.
SMBK
(New York Stock Exchange)

Recent

price

48.60

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
11.75
9.42
9.59
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
Revenue per Share
-2.92
0.23
0.11
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
Basic EPS, GAAP
5.71
1.44
2.76
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
Free Cash Flow per Basic Share
0.02
0.19
0.61
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
Dividend per Share
1.34
1.77
1.98
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
Book Value per Share
14.21
15.57
16.04
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
Tangible Book Value per Share
2
2
2
2
2
6
6
9
12
14
15
16
17
17
17
17
17
Basic Weighted Avg Shares
19
15
16
17
19
26
41
50
81
91
116
137
165
152
172
197
203
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
1
1
1
2
1
2
-2
3
4
8
9
13
13
11
10
9
Depreciation Expense
-5
1
1
2
2
2
6
5
18
27
24
35
43
29
36
50
53
Net Income, GAAP
- -
15.45
29.18
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
Effective Tax Rate (%)
-24.66
6.73
8.99
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
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
55
43
37
27
12
34
19
44
50
65
115
130
67
42
40
99
99
LT Debt
26
35
41
40
56
100
105
206
283
313
357
429
432
460
491
552
562
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
-104.12
14.99
5.65
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
Return on Common Equity (%)

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
- -
- -
- -
- -
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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

APIChatGPT

  • seekingalpha.com

    SmartFinancial, Inc. (SMBK) Q2 2026 Earnings Call Transcript

  • zacks.com

    SmarFinancial (SMBK) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

  • zacks.com

    SmarFinancial (SMBK) Surpasses Q2 Earnings and Revenue Estimates

  • businesswire.com

    SmartFinancial Announces Results for the Second Quarter 2026, Regular Quarterly Cash Dividend

  • zacks.com

    Countdown to SmarFinancial (SMBK) Q2 Earnings: A Look at Estimates Beyond Revenue and EPS

  • businesswire.com

    SmartFinancial Sets Dates for Second Quarter Earnings Release and Conference Call

  • businesswire.com

    SmartFinancial Approves Regular Quarterly Cash Dividend

  • zacks.com

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

  • zacks.com

    SmarFinancial (SMBK) Q1 Earnings Meet Estimates

  • businesswire.com

    SmartFinancial Announces Results for the First Quarter 2026

  • zacks.com

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

  • defenseworld.net

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

  • defenseworld.net

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

  • businesswire.com

    SmartFinancial Sets Dates for First Quarter Earnings Release and Conference Call

  • defenseworld.net

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

  • zacks.com

    What Makes SmarFinancial (SMBK) a New Buy Stock

  • defenseworld.net

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

  • defenseworld.net

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

  • businesswire.com

    SmartFinancial Approves Regular Quarterly Cash Dividend and Announces Share Repurchase Program

  • zacks.com

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