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SmartFinancial, Inc.

SMBK Financial Banks Regional

SmartFinancial, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $320.3 million, up 12.3% from fiscal 2024.

Revenue
+9.67%
EPS
+38.6%
Free cash flow
+68.1%
Total debt
+112.9%

Quarter to June 2026, against a year earlier

48.24 1.29 −2.60%
Market cap
$819.7M
P/E
14.1×
Fwd P/E
12.6×
Dividend yield
0.70%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.32
Sold, $m 0.84
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — 1 1 — — 1 2 — — — — —
Sell 1 — — — 1 — 1 — 1 1 2 1
Insider Ownership 10.07%

Capital & Financial Ratios $m

Size
Market Cap 819.74
Revenue ttm 335.14
Net income ttm 57.39
Free cash flow ttm 67.44
Net debt Q (279.98)
Valuation
P/E 14.11
Forward P/E 12.60
Price / sales 2.42
Forward P/S Powerpack
Price / FCF 12.03
Price / book 1.41
Financial health
Current ratio Q 0.93
Debt / equity Q 0.17
Interest coverage Q —
Growth
Revenue growth Q +9.67% (above 0%: growing)
Operating income growth Q +43.97% (above 0%: growing)
EPS, this year +26.14% (at or above 15%: strong)
EPS, next year A +8.42%
Revenue, next year A −29.26% (below 0%: weak)
EPS, past 5 yrs +12.96%
EPS, next 5 yrs A +15.06% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 57.57%
10-year low 10-year high
P/S against its own 10 years 51.38%
10-year low 10-year high
P/B against its own 10 years 93.84%
10-year low 10-year high

Dividends

Yield
0.70%
Annual rate
0.34
Payout ratio
10.0%
Growth, 2019–25
+36.3%/yr
  1. 0.05 ’19
  2. 0.20 ’20 +300
  3. 0.24 ’21 +20
  4. 0.28 ’22 +17
  5. 0.32 ’23 +14
  6. 0.32 ’24 +0
  7. 0.32 ’25 +0
  8. 0.35 ’26e +9
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 352 388 464 379
Receivables — — — —
Inventory — — — —
Other — — — —
3,766 4,262 4,798 5,027
2023 2024 2025 Q'26
Payables 4,268 4,686 5,153 5,386
ST’ Debt — — — —
Other — — — —
4,268 4,686 5,153 5,386

Compound Annual Growth %

10y 5y 3y
Sales 26.72% 19.21% 19.75%
Cash Flow 38.71% 16.25% 2.81%
Earnings 43.19% 15.65% 5.38%
Book Value 18.62% 9.12% 8.51%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.96 Actual 1.10

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.80 0.81 Beat by 0.01
Q1 FY26 0.81 0.81 Met by 0.00
Q2 FY26 0.90 0.96 Beat by 0.06
Q3 FY26 0.96 1.10 Beat by 0.14
Q4 FY26 0.98 — Reports 19 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.81 0.96 — — —
’25 0.67 0.69 0.81 0.81 2.98
’24 0.55 0.48 0.54 0.57 2.14
’23 0.68 0.52 0.12 0.37 1.69
’22 0.49 0.61 0.68 0.77 2.55
’21 0.65 0.58 0.61 0.40 2.22
’20 0.19 0.41 0.42 0.59 1.62
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 82 86 — — —
’25 75 78 83 84 320
’24 68 69 73 75 285
’23 60 59 56 65 240
’22 40 44 49 54 187
’21 35 35 40 40 149
’20 31 33 34 35 133
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 16 24 — — —
’25 14 14 17 17 62
’24 7 17 12 17 53
’23 11 10 7 12 40
’22 11 18 13 15 57
’21 16 15 14 1 46
’20 9 (8) 21 7 29
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 10 23 — — —
’25 14 14 17 17 62
’24 7 18 13 16 54
’23 10 8 6 10 35
’22 11 11 10 13 46
’21 15 16 16 0 47
’20 7 (9) 20 6 25
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.5
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 47 57 99 124 133 149 187 240 285 320 335 +23.8% 227 246 268 (5.7%)
Gross margin, % 90.80 90.02 84.24 80.14 87.41 92.06 88.56 63.40 60.12 62.58 63.90 (28.2) pt
EBT 9 11 21 33 31 44 55 36 45 62 71 +23.6%
EBT margin, % 19.60 20.06 21.60 27.02 23.22 29.71 29.43 15.07 15.94 19.20 21.18 (0.4) pt
Net income 6 5 18 27 24 35 43 29 36 50 57 +27.1%
Per share, $
Per share, $ Revenue 8.01 6.60 7.95 8.87 8.90 9.58 11.14 14.30 17.01 19.09 19.92 +10.1%
Earnings 0.81 0.59 1.44 1.90 1.63 2.23 2.57 1.70 2.16 3.00 3.42 +15.7%
Cash flow 1.99 0.14 1.68 2.14 1.94 2.97 3.39 2.36 3.14 3.68 4.37 +7.1%
Capex (0.98) (0.31) 0.09 (0.35) (0.28) 0.03 (0.63) (0.27) 0.08 0.00 (0.36) (55.3%)
Free cash flow 1.01 (0.17) 1.77 1.79 1.67 2.99 2.77 2.10 3.22 3.68 4.01 +15.5%
Book value 18.02 23.83 22.78 22.41 23.88 27.58 25.83 27.37 29.31 32.93 34.29 +6.9%
Shares, m 6 9 12 14 15 16 17 17 17 17 17 +12.4%
Valuation, ×
Valuation, × P/E 22.63 37.08 12.69 12.45 11.20 12.11 10.66 14.23 14.28 12.29 14.11 16.0
P/S 2.32 3.31 2.30 2.67 2.04 2.86 2.46 1.70 1.82 1.94 2.42 2.3
P/B 1.03 0.92 0.80 1.06 0.76 0.99 1.06 0.89 1.06 1.12 1.41 1.0
EV/Sales 1.24 2.10 1.64 1.75 (0.68) (3.28) 1.48 0.47 0.63 0.81 — 0.6
EV/FCF 9.89 (81.03) 7.36 8.68 (3.60) (10.50) 5.96 3.18 3.32 4.18 — (5.3)
Cash, $m
Cash, $m Operating cash flow 12 1 21 30 29 46 57 40 53 62 73 +20.4%
Capex (6) (3) 1 (5) (4) 0 (10) (4) 1 0 (6) (49.6%)
Free cash flow 6 (1) 22 25 25 47 46 35 54 62 67 +29.9%
Balance, $m
Balance, $m Working capital (62) (41) (49) 30 52 (298) (579) (502) (424) (355) (359) +21.5%
Net debt (50) (69) (65) (113) (361) (916) (183) (297) (340) (363) (280) +24.6%
Shareholders’ equity 105 206 283 313 357 429 432 460 491 552 577 +20.2%
Returns, %
Returns, % ROA 0.46 0.35 0.91 1.12 0.85 0.88 0.93 0.60 0.72 0.90 0.99 +0.4 pt
ROIC 10.41 6.35 7.21 11.48 0.00 0.00 13.87 13.95 18.73 20.69 15.22 +10.3 pt
ROE 4.65 3.10 7.41 8.91 7.26 8.85 9.98 6.41 7.60 9.65 10.47 +5.0 pt
People
People Employees 222 343 387 399 475 551 596 585 612 589 — +11.5%
Revenue/emp, $m 0.21 0.17 0.26 0.31 0.28 0.27 0.31 0.41 0.47 0.54 — +11.1%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

SmartFinancial, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
MPB Mid Penn Bancorp $869.3M 11.8× 11.2× +13.23% (above 0%: growing) +6.25% (above 0%: growing) −3.90% (below 0%: shrinking) 69.39% 0.00% Compare
CCBG Capital City Bank Group $861.6M 13.8× 13.4× −2.57% (below 0%: shrinking) +6.45% (above 0%: growing) +47.12% (above 0%: growing) 89.60% 0.00% Compare
FCBC First Community Bancshares, Inc. $858.8M 14.3× 14.0× +35.47% (above 0%: growing) +77.61% (above 0%: growing) +82.80% (above 0%: growing) 92.36% 0.00% Compare
ALRS Alerus Financial $837.6M 28.4× 10.5× +4.46% (above 0%: growing) +16.67% (above 0%: growing) +136.92% (above 0%: growing) 77.55% 0.00% Compare
RCBC River City Bank $828.4M — — — — — 51.62% 0.00% Compare
SMBK SmartFinancial, Inc. $819.7M 14.1× 12.6× +9.67% (above 0%: growing) +38.57% (above 0%: growing) +68.13% (above 0%: growing) 65.11% 0.00%
PGC Peapack-Gladstone Financial Corporation $811.6M 15.6× 12.2× +10.12% (above 0%: growing) +97.78% (above 0%: growing) +388.43% (above 0%: growing) 70.34% 0.00% Compare
SPFI South Plains Financial, Inc. $807.8M 10.9× 11.3× +19.20% (above 0%: growing) +10.19% (above 0%: growing) +36.07% (above 0%: growing) 72.35% 0.00% Compare
IBCP Independent Bank Corp. $802.2M 10.6× 10.8× +14.65% (above 0%: growing) −4.71% (below 0%: shrinking) −1.00% (below 0%: shrinking) 76.31% 0.00% Compare
Median of peers $833.0M 13.8× 11.3× +13.23% +10.19% +47.12% 74.33% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 7 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 1.72m 1.39m 215.73
2024 1.04m 1.19m 178.96
2023 1.09m 693.10k 139.75
2022 1.01m 958.81k 154.75
2021 1.03m 1.00m 152.35

Ownership

Directors and executive officers, together 6.93%
BlackRock, Inc. 7.10%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

SmartFinancial, Inc. (SMBK) Latest News

21 Oct

Impact 4 · · The Motley Fool

20 Oct

Impact 3 · · The Motley Fool transcript
Impact 3 · · Moby

19 Oct

Impact 3 · · Zacks
Impact 3 · · Zacks
Impact 3 · · Associated Press

14 Oct

Impact 3 · · Zacks

12 Oct

Impact 3 · · Zacks

23 Jul

Impact 3 ·

21 Jul

Impact 4 ·
Impact 3 · · Moby transcript

23 Apr

Impact 3 · · Simply Wall St.

21 Apr

Impact 4 ·

20 Apr

Impact 4 · · The Motley Fool transcript
Impact 4 ·
Impact 4 ·
Impact 3 · · Moby

15 Apr

Impact 3 · · Zacks

17 Mar

Impact 4 · · The Motley Fool transcript

12 Mar

Impact 3 · · Zacks

7 Mar

Impact 3 · · Simply Wall St.

30 Jan

Impact 4 · · Business Wire

24 Jan

Impact 4 · · Simply Wall St.

23 Jan

Impact 4 · · Zacks

22 Jan

Impact 4 · · Simply Wall St.

21 Jan

Impact 4 ·

20 Jan

Impact 4 · · Associated Press Finance
Impact 4 · · Business Wire

14 Jan

Impact 3 · · Zacks

5 Jan

Impact 3 · · Business Wire
stockrow.com/SMBK · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com