SmartFinancial, Inc. (NYSE: SMBK) is a Financial Services company in the Banks - Regional industry. QuoTrend tracks its price, financials, earnings, analyst ratings and insider trades.
| Index | - | P/E | 15.32 | EPS (ttm) | 3.42 | Insider Own | 14.97% | Shs Outstand | 17.10M | Perf Week | 4.78% |
| Market Cap | 895.96M | Forward P/E | 12.51 | EPS next Y | 4.19 | Insider Trans | 0.24% | Shs Float | 15.06M | Perf Month | 8.80% |
| Enterprise Value | 615.98M | PEG | 0.41 | EPS next Q | 0.96 | Inst Own | - | Short Float | 2.18% | Perf Quarter | 24.94% |
| Income | 58.33M | P/S | 2.71 | EPS this Y | 10.23% | Inst Trans | - | Short Ratio | 3.72 | Perf Half Y | 32.36% |
| Sales | 331.19M | P/B | 1.53 | EPS next Y | 12.13% | ROA | 0.94% | Short Interest | 328.30K | Perf YTD | 41.66% |
| Book/sh | - | P/C | 13.82 | EPS next 5Y | 12.13% | ROE | 10.30% | 52W High | 54.73 -2.84% | Perf Year | 52.90% |
| Cash/sh | - | P/FCF | 16.64 | EPS past 3/5Y | 5.33% 12.96% | ROIC | 0.94% | 52W Low | 33.13 60.54% | Perf 3Y | 113.36% |
| Dividend Est. | 0.36 (0.68%) | EV/EBITDA | 8.28 | Sales past 3/5Y | 19.11% 18.90% | Gross Margin | 62.96% | Volatility | 3.59% 3.09% | Perf 5Y | 115.20% |
| Dividend TTM | 0.42 (0.79%) | EV/Sales | 1.86 | EPS Y/Y TTM | 58.41% | Oper. Margin | 21.43% | ATR (14) | 1.52 | Perf 10Y | 231.44% |
| Dividend Ex-Date | Jul 31, 2026 | Quick Ratio | 0.00 | Sales Y/Y TTM | 16.14% | Profit Margin | 17.33% | RSI (14) | 73.46 | Recom | 2.50 |
| Dividend Gr. 3/5Y | 4.55% 9.86% | Current Ratio | 0.00 | EPS Q/Q | 39.13% | SMA20 | 7.36% | Beta | 0.69 | Target Price | 53.00 |
| Payout | 9.52% | Debt/Eq | 0.17 | Sales Q/Q | 10.26% | SMA50 | 14.19% | Rel Volume | 1.44 | Prev Close | 52.40 |
| Employees | 597 | LT Debt/Eq | 0.18 | Earnings | Oct 20 | SMA200 | 29.05% | Avg Volume | 104.91K | Price | 53.18 |
| IPO Date | Oct 07, 2003 | Option/Short | Yes / Yes | EPS/Sales Surpr. | 6.47% 0.37% | Net Debt/EBITDA | -3.76 | Volume | 151,542 | Change | 1.49% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Jul-23-26 | Reiterated | Stephens & Co. | Equal Weight | $27 → $47 |
| Jul-22-26 | Reiterated | Raymond James | Strong Buy | $50 → $58 |
| Jun-24-26 | Initiated | Benchmark | Buy | $54 |
| Apr-20-26 | Reiterated | Raymond James | Strong Buy | $47 → $50 |
| Jan-22-26 | Reiterated | Hovde Group | Outperform | $48 |
| Oct-27-25 | Reiterated | Piper Sandler | Neutral | $28 → $40 |
| Oct-23-24 | Reiterated | Raymond James | Strong Buy | $36 |
| Oct-22-24 | Reiterated | Piper Sandler | Neutral | $26 → $28 |
| Jul-24-24 | Downgrade | Piper Sandler | Overweight → Neutral | |
| May-23-24 | Reiterated | Stephens & Co. | Overweight | $27 |
SmartFinancial, Inc. functions as the parent entity for SmartBank, which offers a broad spectrum of financial solutions to both individual clients and corporate entities. The company's operations are structured across distinct segments: Commercial Real Estate, Consumer Real Estate, Construction and Land Development, Commercial and Industrial, and a broader Consumer and Other division. Its suite of deposit products includes non-interest and interest-bearing checking accounts, interest-bearing demand accounts, savings and money market accounts, various time deposits, Individual Retirement Accounts (IRAs), and certificates of deposit (CDs). Additionally, SmartFinancial's lending portfolio encompasses financing for commercial and residential properties, consumer real estate, and construction and land development projects. It also extends commercial and financial loans, mortgage loans, direct consumer installment loans, educational and other revolving credit facilities, and provides overdraft services. Beyond these core offerings, the company delivers wealth management, insurance products, mortgage origination, and convenient digital banking services accessible via the internet and mobile devices. As of March 1, 2022, SmartFinancial maintained a significant regional footprint, operating 41 full-service branches and two dedicated loan production offices across East and Middle Tennessee, Alabama, and the Florida Panhandle. The corporate headquarters are located in Knoxville, Tennessee.
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| Line Item (USD, M) | TTM — | FY 2025 12/31/2025 | FY 2024 12/31/2024 | FY 2023 12/31/2023 | FY 2022 12/31/2022 | FY 2021 12/31/2021 | FY 2020 12/31/2020 | FY 2019 12/31/2019 | FY 2018 12/31/2018 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 331 | 316 | 285 | 240 | 187 | 149 | 133 | 115 | 97 | |
| Cost of Goods Sold Incl. D&A | 122 | 123 | 119 | 91 | 25 | 13 | 25 | 27 | 19 | |
| Gross Profit | 208 | 193 | 166 | 149 | 161 | 136 | 108 | 88 | 78 | |
| Selling, General and Administrative Excl. Other | 98 | 95 | 77 | 70 | 67 | 54 | 45 | 40 | 34 | |
| Research and Development | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Other Operating Expense | 40 | 36 | 44 | 43 | 39 | 37 | 32 | 15 | 23 | |
| Operating Income | 72 | 62 | 45 | 36 | 55 | 44 | 31 | 33 | 21 | |
| Interest Expense | 121 | 120 | 114 | 88 | 21 | 12 | 17 | 25 | 16 | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 121 | 120 | 114 | 88 | 21 | 12 | 17 | 25 | 16 | |
| Net Income Before Taxes | 72 | 62 | 45 | 36 | 55 | 44 | 31 | 33 | 21 | |
| Income Taxes | 13 | 11 | 9 | 8 | 12 | 10 | 7 | 7 | 3 | |
| Consolidated Net Income | 58 | 50 | 36 | 29 | 43 | 35 | 24 | 27 | 18 | |
| Net Income From Continuing Operations | 58 | 50 | 36 | 29 | 43 | 35 | 24 | 27 | 18 | |
| Net Income | 58 | 50 | 36 | 29 | 43 | 35 | 24 | 27 | 18 | |
| EPS (Recurring) | 3.42 | 3.01 | 2.16 | 1.70 | 2.57 | 2.23 | 1.63 | 1.90 | 1.46 | |
| EPS (Basic, Before Extraordinaries) | 3.42 | 3.01 | 2.16 | 1.70 | 2.57 | 2.23 | 1.63 | 1.90 | 1.46 | |
| EPS (Diluted) | 3.39 | 2.98 | 2.14 | 1.69 | 2.55 | 2.22 | 1.62 | 1.89 | 1.43 | |
| EBITDA | 74 | 70 | 57 | 50 | 68 | 53 | 39 | 38 | 25 | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 15.69 | 12.41 | 14.48 | 14.49 | 10.78 | 12.32 | 11.20 | 12.51 | 12.78 | |
| Price To Sales Ratio | 2.73 | 1.99 | 1.85 | 1.73 | 2.50 | 2.94 | 2.05 | 2.88 | 2.26 | |
| Gross Margin | 62.84 | 61.08 | 58.25 | 62.08 | 86.10 | 91.28 | 81.20 | 76.52 | 80.41 | |
| Operating Margin | 21.75 | 19.62 | 15.79 | 15.00 | 29.41 | 29.53 | 23.31 | 28.70 | 21.65 | |
| Net Margin | 17.52 | 15.82 | 12.63 | 12.08 | 22.99 | 23.49 | 18.05 | 23.48 | 18.56 | |
| Shares Outstanding | 17 | 17 | 17 | 17 | 17 | 16 | 15 | 14 | 12 | |
| Market Capitalization | 904 | 629 | 527 | 416 | 468 | 438 | 272 | 331 | 219 | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| Jordan Rhett D. | EVP & CHIEF CREDIT OFFICER | Jun 12 '26 | Sale | 45.00 | 400 | 18,000 | 11,802 | Jun 12 |
| Barrett Victor Lynn | Director | Jun 10 '26 | Buy | 43.78 | 3,000 | 131,340 | 151,724 | Jun 10 |
| Ackermann Cathy G | Director | Jun 04 '26 | Buy | 42.12 | 3,000 | 126,360 | 19,831 | Jun 04 |
| Shomaker Kelli D | Director | May 04 '26 | Buy | 41.30 | 290 | 11,977 | 2,120 | May 04 |
| Jordan Rhett D. | EVP & CHIEF CREDIT OFFICER | Apr 24 '26 | Sale | 41.85 | 500 | 20,925 | 12,202 | Apr 24 |
| Welborn Wesley Miller | CHAIRMAN OF THE BOARD | Feb 09 '26 | Buy | 43.13 | 835 | 36,014 | 96,468 | Feb 10 |
| Shomaker Kelli D | Director | Jan 27 '26 | Buy | 39.38 | 255 | 10,042 | 1,022 | Jan 28 |
| Tucker Steven B. | Director | Dec 10 '25 | Sale | 38.01 | 10,625 | 403,856 | 49,914 | Dec 11 |
| Jordan Rhett D. | EVP & CHIEF CREDIT OFFICER | Nov 18 '25 | Sale | 35.00 | 250 | 8,750 | 10,104 | Nov 18 |
| Welborn Wesley Miller | CHAIRMAN OF THE BOARD | Feb 03 '25 | Buy | 34.75 | 1,162 | 40,380 | 96,938 | Feb 04 |
| Jordan Rhett D. | EVP & CHIEF CREDIT OFFICER | Jan 27 '25 | Sale | 35.76 | 350 | 12,516 | 9,142 | Jan 29 |
| PRESLEY JOHN M | Director | Dec 09 '24 | Sale | 35.05 | 6,916 | 242,406 | 0 | Dec 10 |
| PRESLEY JOHN M | Director | Dec 06 '24 | Sale | 35.54 | 10,140 | 360,376 | 6,916 | Dec 09 |
| PRESLEY JOHN M | Director | Dec 05 '24 | Sale | 36.05 | 10,517 | 379,138 | 17,056 | Dec 09 |
| Jordan Rhett D. | EVP & CHIEF CREDIT OFFICER | Dec 04 '24 | Sale | 35.61 | 200 | 7,122 | 10,308 | Dec 04 |