SmartFinancial, Inc. SMBK

50.32 0.02 0.04% as of 25 Sep
Market cap
$860.1M
P/E
14.7×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 0.32
Total sells 0.49
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — 1 1 — — 1 2 — — —
Sell — 1 1 — — — 1 — 1 — 1 1
Insider Ownership 10.07%

Capital & Financial Ratios

Market Cap 860.05
Revenue 335.14
Net Income 57.39
Free Cash Flow 67.44
Net Debt (279.98)
Current Ratio 0.93
Debt/Equity 0.17
P/E ratio 14.71
P/S ratio 2.53
P/B ratio 1.47
Past 5Y EPS Growth 2.53%
This Y EPS Growth 23.49%
Next Y EPS Growth 11.98%
Next 5Y EPS Growth 11.50%
in millions of $

Dividends

Payout Ratio 0.15
Annual Dividend Rate 0.32
Annual Dividend Yield 1.56%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.34
0.08
0.09
0.09
2025 0.32
0.08
0.08
0.08
0.08
2024 0.32
0.08
0.08
0.08
0.08
2023 0.32
0.08
0.08
0.08
0.08
2022 0.28
0.07
0.07
0.07
0.07
2021 0.24
0.06
0.06
0.06
0.06
2020 0.20
0.05
0.05
0.05
0.05
2019 0.05
0.05
2018 Powerpack
2017 Powerpack
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

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
in millions of $

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%

Revenue

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
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

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
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

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
in millions of $ · fiscal quarters ending in the months shown

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

Target Price Range

Analyst price targets

Recommendation Rating

2.3
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
14.21 17.17 16.17 17.15 11.05 17.86 22.63 18.86 19.00 26.31

Analyst estimates 2026–2028

Powerpack
Low Price
20.58 26.26 27.69 23.99 23.94 28.03 30.50 28.38 37.72 40.08
High Price
222 343 387 399 475 551 596 585 612 589
Employees
0 0 0 0 0 0 0 0 0 1
Revenue/Emp
47 57 99 124 133 149 187 240 285 320
Revenue
90.80% 90.02% 84.24% 80.14% 87.41% 92.06% 88.56% 63.40% 60.12% 62.58%
Gross Margin
9 11 21 33 31 44 55 36 45 62
EBT
19.60% 20.06% 21.60% 27.02% 23.22% 29.71% 29.43% 15.07% 15.94% 19.20%
EBT Margin
6 5 18 27 24 35 43 29 36 50
Net Income
2 (2) (4) (1) 3 4 10 13 11 10
Depreciation
8.01 6.60 7.95 8.87 8.90 9.58 11.14 14.30 17.01 19.09
Revenue/Sh
0.81 0.59 1.44 1.90 1.63 2.23 2.57 1.70 2.16 3.00
Earnings/Sh
1.99 0.14 1.68 2.14 1.94 2.97 3.39 2.36 3.14 3.68
Cash Flow/Sh
(0.98) (0.31) 0.09 (0.35) (0.28) 0.03 (0.63) (0.27) 0.08 0.00
Capex/Sh
1.01 (0.17) 1.77 1.79 1.67 2.99 2.77 2.10 3.22 3.68
Free CF/Sh
18.02 23.83 22.78 22.41 23.88 27.58 25.83 27.37 29.31 32.93
Book Value/Sh
6 9 12 14 15 16 17 17 17 17
Shares
22.63 37.08 12.69 12.45 11.20 12.11 10.66 14.23 14.28 12.29
PE Ratio
2.32 3.31 2.30 2.67 2.04 2.86 2.46 1.70 1.82 1.94
PS Ratio
1.03 0.92 0.80 1.06 0.76 0.99 1.06 0.89 1.06 1.12
PB Ratio
1.24 2.10 1.64 1.75 (0.68) (3.28) 1.48 0.47 0.63 0.81
EV/Sales
9.89 (81.03) 7.36 8.68 (3.60) (10.50) 5.96 3.18 3.32 4.18
EV/FCF
12 1 21 30 29 46 57 40 53 62
Op' Cash Flow
(6) (3) 1 (5) (4) 0 (10) (4) 1 0
Capex
6 (1) 22 25 25 47 46 35 54 62
FCF
(62) (41) (49) 30 52 (298) (579) (502) (424) (355)
Working Cap'
19 44 50 71 121 130 84 55 48 102
Total Debt
(50) (69) (65) (113) (361) (916) (183) (297) (340) (363)
Net Debt
105 206 283 313 357 429 432 460 491 552
Sh' Equity
0.46% 0.35% 0.91% 1.12% 0.85% 0.88% 0.93% 0.60% 0.72% 0.90%
ROA
10.41% 6.35% 7.21% 11.48% 0.00% 0.00% 13.87% 13.95% 18.73% 20.69%
ROIC
4.65% 3.10% 7.41% 8.91% 7.26% 8.85% 9.98% 6.41% 7.60% 9.65%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

SmartFinancial, Inc. (SMBK) key facts

  • SmartFinancial, Inc. (SMBK) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
  • SmartFinancial, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $320.3 million, up 12.3% from fiscal 2024.
  • As of September 25, 2026, SMBK traded at $50.32, a market capitalization of $860.1 million.
  • SmartFinancial, Inc. pays an annual dividend of $0.32 per share, a yield of 1.56%, with a payout ratio of 14.8%.
  • Return on equity was 9.65% and debt-to-equity 0.17.

Source: company filings (standardised) and stockrow calculations.

SmartFinancial, Inc. (SMBK) Latest News

News by impact score

Fine-tune

23 Jul

3

Analysts raised SmartFinancial (SMBK) fair value estimate, citing expected loan growth and margin expansion. Analyst fair value lift reinforces positive outlook on SMBK loan growth and margins.

21 Jul

4

SmartFinancial Inc (SMBK) posted strong loan growth alongside strategic initiatives in its Q2 2026 earnings call. Strong loan growth and strategic moves signal material positive shifts in financial trajectory and investor outlook.

3 transcript

SmartFinancial, Inc. conducted its Q2 2026 earnings call covering financial results and company performance. Quarterly earnings calls deliver financial metrics that moderately shape near-term investor sentiment and valuation.

23 Apr

3

SmartFinancial (SMBK) narrative is shifting as analysts introduce new price targets and revised assumptions. New analyst targets and assumptions signal moderately noticeable changes to SMBK's market sentiment and trajectory.

21 Apr

4

SmartFinancial Inc. (SMBK) reported strong loan growth and revenue increases in Q1 2026 earnings call highlights. Strong loan growth and revenue signal significant positive impact on SMBK's financial performance and market trajectory.

20 Apr

4 transcript

SmartFinancial (SMBK) released Q1 2026 earnings call transcript detailing quarterly financial performance, management discussion, and future outlook. Earnings transcripts reveal financial results and guidance that significantly affect stock price and investor expectations.

4

SmartFinancial (SMBK) Q1 earnings compared to analyst estimates, with analysis of key metrics including revenue, EPS, and operational performance. Q1 earnings metrics versus estimates signal shifts in financial health and profitability, significantly influencing SMBK's stock trajectory and investor confidence.

4

SmartFinancial, Inc. (SMBK) announced first quarter 2026 results, reporting key financial metrics including net income, earnings per share, loan growth, deposit increases, and net interest margin amid economic conditions. Quarterly earnings announcements significantly impact financial performance metrics and investor sentiment for SMBK.

3

SmartFinancial, Inc. (SMBK) released Q1 2026 earnings call summary highlighting quarterly financial results, strategic updates, and forward guidance. Q1 earnings call summary reveals financial performance and outlook with moderately noticeable influence on stock price and investor sentiment.

15 Apr

3

Wall Street analysts provide estimates for key metrics ahead of SmartFinancial (SMBK) Q1 earnings release. Pre-earnings Wall Street estimates influence investor expectations and short-term stock sentiment around financial performance.

17 Mar

4 transcript

SmartFinancial, Inc. (SMBK) released its Q4 2025 earnings call transcript, detailing quarterly financial results, full-year performance, strategic updates, and forward-looking guidance. Q4 earnings transcript reveals financial results and management guidance that significantly influence SMBK's stock price and future trajectory.

12 Mar

3

SmartFinancial, Inc. (SMBK) qualifies as a new buy stock based on strong fundamentals and growth potential. Bullish 'new buy' designation highlights positive factors likely to moderately influence market sentiment and performance.

7 Mar

3

SmartFinancial (SMBK) narrative shifts with fresh analyst price targets amid cautious undercurrents. Fresh price targets signal moderate shifts in investor sentiment for SMBK, balanced by underlying caution.

30 Jan

4

SmartFinancial, Inc. (SMBK) has approved a regular quarterly cash dividend of $0.10 per share, payable on November 15, 2023, to shareholders of record as of November 1, 2023. Additionally, the company announced a share repurchase program, allowing the repurchase of up to 1 million shares of its common stock, reflecting its commitment to returning value to shareholders and confidence in its financial position. The approval of a cash dividend and a share repurchase program indicates significant strategic moves that could enhance shareholder value and positively influence market sentiment.

24 Jan

4

Analysts have revised their target for SmartFinancial, Inc. (SMBK), highlighting a more favorable outlook for the company. This change is attributed to improved financial metrics and strategic initiatives that position SMBK for growth. The new target reflects increased investor confidence and potential for enhanced market performance, suggesting a positive shift in the company's narrative. The revised analyst target indicates significant potential for improved investor sentiment and market performance.

23 Jan

4

SmartFinancial, Inc. (SMBK) has received an upgrade in its stock rating due to positive developments in its financial performance and strategic initiatives. Analysts highlight the company's strong growth potential and improved market position, which are expected to enhance investor confidence. The upgrade reflects optimism about SMBK's ability to navigate market challenges and capitalize on emerging opportunities. The upgrade indicates significant improvements in financial performance and strategic positioning that could alter the company's trajectory.

22 Jan

4

SmartFinancial, Inc. (SMBK) has demonstrated strong earnings growth, surpassing expectations in a recent stock scan. The company's financial performance indicates a solid trajectory, reflecting effective management and strategic initiatives that position it favorably in the market. Strong earnings growth suggests significant positive momentum for the company's future performance.

21 Jan

4

SmartFinancial, Inc. (SMBK) reported robust loan growth and improved financial metrics during its Q4 2025 earnings call. The company highlighted significant increases in both commercial and consumer lending, contributing to a strong overall performance. Management expressed optimism about future growth prospects and strategic initiatives aimed at enhancing operational efficiency and customer engagement. Robust loan growth and improved financial metrics indicate significant positive momentum for the company's future performance.

20 Jan

4

SmartFinancial, Inc. (SMBK) reported its Q4 earnings, showcasing a notable increase in net income and improved efficiency ratios. The bank's total assets grew, driven by strong loan growth and deposit increases. Management highlighted strategic initiatives aimed at enhancing customer experience and expanding market presence. The results reflect a positive trajectory for the company amid a competitive banking landscape. Significant improvements in financial performance and strategic initiatives are likely to influence future growth and investor sentiment.

4

SmartFinancial, Inc. (SMBK) reported its financial results for the fourth quarter of 2025, highlighting key metrics such as net income, earnings per share, and loan growth. The company demonstrated a solid performance with increased revenues and improved asset quality, reflecting its strategic initiatives and market positioning. Management expressed optimism about future growth prospects and ongoing efforts to enhance operational efficiency. The reported financial results indicate significant improvements in key performance metrics that could influence investor sentiment and future growth strategies.

14 Jan

3

SmartFinancial, Inc. (SMBK) is set to report its Q4 earnings, with Wall Street analysts projecting key metrics that could influence the company's future performance. Analysts are closely monitoring expectations for revenue growth, net income, and other financial indicators that may impact investor sentiment and market positioning. The upcoming earnings report is anticipated to provide insights into the company's operational efficiency and strategic direction. The projected earnings and financial metrics are expected to moderately influence SmartFinancial's market performance and investor sentiment.

5 Jan

3

SmartFinancial, Inc. has announced an extension of its exchange offer for 7.25% Fixed-to-Floating Rate Subordinated Notes due 2035. The extension allows existing noteholders additional time to participate in the exchange, which is part of the company's strategy to manage its capital structure and improve financial flexibility. The extension of the exchange offer may moderately influence the company's financial performance and capital management strategies.

18 Dec

4

SmartFinancial, Inc. (SMBK) has seen a remarkable 131% increase in stock value over the past five years, reflecting strong performance and growth in the financial sector. Investors who bought shares five years ago have significantly benefited from this upward trend, indicating positive market sentiment and effective management strategies within the company. The substantial increase in stock value suggests significant investor confidence and potential for continued growth in the company's performance.

7 Nov

3

SmartFinancial, Inc. (SMBK) has announced a dividend payout of $0.08 per share. This dividend will be distributed to shareholders on a specified date, reflecting the company's ongoing commitment to returning value to its investors. The decision to issue a dividend indicates a stable financial position and confidence in future earnings. The dividend payout suggests a stable financial performance but does not significantly alter the company's overall trajectory.

4 Nov

4

SmartFinancial, Inc. (SMBK) reported strong growth in tangible book value during its Q3 2025 earnings call, highlighting significant financial performance improvements and strategic initiatives aimed at enhancing shareholder value. The company emphasized its commitment to expanding its market presence and optimizing operational efficiency, which contributed to positive investor sentiment. Strong growth in tangible book value and strategic initiatives are likely to significantly impact future performance and investor sentiment.

3 Nov

3

SmartFinancial, Inc. (SMBK) has approved a regular quarterly cash dividend of $0.10 per share, payable on November 15, 2023, to shareholders of record as of November 1, 2023. This decision reflects the company's commitment to returning value to its shareholders and indicates a stable financial position. The dividend approval suggests a stable financial performance, which may positively influence investor sentiment but does not fundamentally alter the company's trajectory.

21 Oct

4

SmartFinancial, Inc. (SMBK) reported Q3 earnings and revenues that exceeded analysts' expectations, showcasing strong financial performance. The company highlighted growth in key areas, contributing to a positive outlook for future quarters. Investors reacted favorably to the results, reflecting confidence in SmartFinancial's strategic direction and operational efficiency. Earnings exceeding estimates indicate significant operational strength and potential for future growth.

4

SmartFinancial, Inc. (SMBK) reported its Q3 earnings, showcasing a notable increase in net income and total assets compared to the previous year. The company highlighted growth in loan and deposit volumes, reflecting strong operational performance. Additionally, SMBK's efficiency ratio improved, indicating better cost management. The earnings report suggests a positive outlook for the company as it navigates the current economic landscape. The significant increase in net income and improved efficiency ratio indicate a strong operational performance that could positively influence future market sentiment and company trajectory.

4

SmartFinancial, Inc. (SMBK) reported its financial results for the third quarter of 2025, highlighting significant growth in net income and total assets. The company experienced an increase in loans and deposits, reflecting strong demand and effective management strategies. Additionally, SMBK's net interest margin improved, contributing to overall profitability. The management expressed optimism about future performance, citing ongoing investments in technology and customer service enhancements. Overall, the results indicate a positive trajectory for the company amidst a competitive banking landscape. Significant growth in net income and assets, along with improved net interest margin, indicates a strong strategic position and potential for future performance.

3

SmartFinancial, Inc. (SMBK) reported its Q3 earnings, revealing key metrics that were compared against Wall Street estimates. The results showed a mix of performance indicators, highlighting areas of strength and weakness. Analysts are assessing the implications of these earnings on the company's future trajectory and market position. The earnings report indicates moderate influences on financial performance and market sentiment.

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