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SmartFinancial, Inc.

$52.08 +$15.52 (+42.45%)
NYSE · 14 Sep 2026 20:00 UTC
Previous Close
$52.24
Day Range
$51.87$52.76
Year Range
$33.01$54.14
Market Cap
890.49M
AVG Volume
106.62K
Trailing/Forward PE
15.23/12.43
PEG ratio
1.26
Dividend Yield
0.65%
Next Earnings Date
2026-10-20
Primary Exchange
New York Stock ExchangeUS
Revenue (USD)
0100M200M300M400M2016201720182019202020212022202320242025
SMBK Revenue (USD) by year
PeriodRevenue (USD)
2025316.37M
2024285.27M
2023240.37M
2022186.55M
2021149.18M
2020132.45M
2019115.17M
201897.21M
201755.59M
201645.59M
Net Income (USD)
020M40M60M2016201720182019202020212022202320242025
SMBK Net Income (USD) by year
PeriodNet Income (USD)
202550.35M
202436.14M
202328.59M
202243.02M
202134.79M
202024.33M
201926.55M
201818.1M
20175.02M
20165.8M
Operating Income (USD)
020M40M60M80M2016201720182019202020212022202320242025
SMBK Operating Income (USD) by year
PeriodOperating Income (USD)
202561.5M
202445.46M
202336.23M
202254.91M
202144.32M
202030.89M
201933.44M
201821.34M
201711.44M
20169.16M
EBITDA (USD)
020M40M60M80M2016201720182019202020212022202320242025
SMBK EBITDA (USD) by year
PeriodEBITDA (USD)
202569.93M
202456.87M
202349.72M
202269.47M
202151.06M
202036.91M
201937.74M
201817.62M
201713.91M
201611.35M
Cash Flows (USD)
020M40M60M2016201720182019202020212022202320242025
SMBK Cash Flows (USD) by year
PeriodCash Flows (USD)
202557.05M
202446.3M
202333.45M
202244.31M
202143.8M
202023.63M
201923.6M
201819.44M
20171.11M
20164.6M
EPS (USD)
01232016201720182019202020212022202320242025
SMBK EPS (USD) by year
PeriodEPS (USD)
20252.98
20242.14
20231.69
20222.55
20212.24
20201.61
20191.89
20181.43
20170.59
20160.74
Expenses (USD)
025M50M75M100MSG&ACapex2016201720182019202020212022202320242025
SMBK Expenses (USD) by year
PeriodExpenses (USD)
202599.23M
202483.22M
202376.52M
202278M
202163.06M
202054.26M
201946.12M
201838.04M
201726.43M
201627.82M
Cash & Debt (USD)
0500M1B1.5BCashLong Term DebtShort Term Debt2016201720182019202020212022202320242025
SMBK Cash & Debt (USD) by year
PeriodCash & Debt (USD)
20251.14B
2024684.73M
2023703.23M
2022735.01M
20211.49B
2020630.94M
2019338.88M
2018317.51M
2017258.01M
2016198.17M
Debt ratios
-10-7.5-5-2.5020182019202020212022202320242025
SMBK Debt ratios by year
PeriodDebt ratios
2025-4.23
2024-2.8
2023-3.13
2022-3.34
2021-9.41
2020-4.81
2019-3.32
2018-5.42
Margins
0%25%50%75%100%2016201720182019202020212022202320242025
SMBK Margins by year
PeriodMargins
202560.97%
202458.31%
202362.14%
202286.41%
202190.97%
202080.8%
201976.41%
201880.97%
201788.35%
201688.84%
Return on Capital
0%2.5%5%7.5%10%2016201720182019202020212022202320242025
SMBK Return on Capital by year
PeriodReturn on Capital
20259.11%
20247.35%
20236.22%
20229.95%
20218.1%
20206.81%
20198.49%
20186.4%
20172.44%
20165.51%
Shares Outstanding
05M10M15M20M2016201720182019202020212022202320242025
SMBK Shares Outstanding by year
PeriodShares Outstanding
202516.79M
202416.77M
202316.81M
202216.76M
202116.7M
202015.11M
201913.97M
201813.54M
201710.55M
20165.89M
Dividends (USD)
00.511.52008200920192020202120222023202420252026
SMBK Dividends (USD) by year
PeriodDividends (USD)
20260.26
20250.32
20240.32
20230.32
20220.28
20210.24
20200.2
20190.05
20090.39
20081.1
Employee Count
02004006002016201720182019202020212022202320242025
SMBK Employee Count by year
PeriodEmployee Count
2025581
2024597
2023570
2022583
2021539
2020464
2019399
2018387
2017343
2016222
Book Value Per Share (USD)
0102030402016201720182019202020212022202320242025
SMBK Book Value Per Share (USD) by year
PeriodBook Value Per Share (USD)
202532.91
202429.31
202327.35
202225.8
202125.72
202023.64
201922.39
201820.91
201719.51
201617.86
Total Assets (USD)
02B4B6B2016201720182019202020212022202320242025
SMBK Total Assets (USD) by year
PeriodTotal Assets (USD)
20255.86B
20245.28B
20234.83B
20224.64B
20214.61B
20203.3B
20192.45B
20182.27B
20171.72B
20161.06B
PE Ratio
10152025med 14.57Dec 24Apr 25Jul 25Nov 25Feb 26Jun 26Sep 26
SMBK PE Ratio by year
PeriodPE Ratio
Sep 2615.27
Sep 2615.31
Sep 2615.21
Aug 2614.9
Aug 2614.96
Aug 2615.47
Aug 2616.55
Jul 2616.7
Jul 2615.94
Jul 2615.35
Jul 2614.82
Jul 2615.09
Jun 2615.29
Jun 2614.23
Jun 2614.49
Jun 2613.47
May 2613.29
May 2613.27
May 2612.77
May 2614.1
May 2614.12
Apr 2614.06
Apr 2614.13
Apr 2614.07
Apr 2613.18
Mar 2612.77
Mar 2612.41
Mar 2613.84
Mar 2613.92
Feb 2614.22
Feb 2615.14
Feb 2615.04
Feb 2615.59
Jan 2614.47
Jan 2614.22
Jan 2614.29
Jan 2613.68
Jan 2613.26
Dec 2513.71
Dec 2514.03
Dec 2514.24
Dec 2513.47
Nov 2513.15
Nov 2512.93
Nov 2513.06
Nov 2512.88
Oct 2514.06
Oct 2514.29
Oct 2513.87
Oct 2513.44
Oct 2514.11
Sep 2514.72
Sep 2514.83
Sep 2514.8
Sep 2514.91
Aug 2514.81
Aug 2514.76
Aug 2514.23
Aug 2514.65
Aug 2514.66
Jul 2515.64
Jul 2515.99
Jul 2515.52
Jul 2515.9
Jun 2514.84
Jun 2513.93
Jun 2513.84
Jun 2514.26
May 2514.01
May 2513.62
May 2514.33
May 2514.29
May 2514.31
Apr 2513.96
Apr 2513.4
Apr 2512.58
Apr 2512.81
Mar 2514.48
Mar 2514.4
Mar 2516.21
Mar 2516.55
Feb 2517.77
Feb 2517.8
Feb 2518.24
Feb 2518.53
Jan 2518.04
Jan 2518.18
Jan 2516.16
Jan 2515.04
Jan 2515.98
Dec 2415.89
Dec 2416.11
Dec 2417.4
Dec 2418.24
Nov 2418.55
Nov 2418.79
Nov 2418.38
Nov 2423.66
Nov 2421.43
Oct 2420.75
Free Cash Flow Yield
4%6%8%10%12%med 8.6%Dec 24Apr 25Jul 25Nov 25Feb 26Jun 26Sep 26
SMBK Free Cash Flow Yield by year
PeriodFree Cash Flow Yield
Sep 268.04%
Sep 268.02%
Sep 268.08%
Aug 268.24%
Aug 268.21%
Aug 267.94%
Aug 266.16%
Jul 266.11%
Jul 266.4%
Jul 266.65%
Jul 266.89%
Jul 266.76%
Jun 266.67%
Jun 267.17%
Jun 267.04%
Jun 267.57%
May 267.68%
May 267.69%
May 267.99%
May 268.04%
May 268.02%
Apr 268.06%
Apr 268.02%
Apr 268.06%
Apr 268.6%
Mar 268.88%
Mar 269.13%
Mar 269.14%
Mar 269.08%
Feb 268.89%
Feb 268.35%
Feb 268.41%
Feb 268.11%
Jan 268.73%
Jan 268.89%
Jan 268.84%
Jan 269.24%
Jan 269.54%
Dec 259.22%
Dec 259.01%
Dec 258.87%
Dec 259.39%
Nov 259.62%
Nov 259.77%
Nov 259.68%
Nov 259.81%
Oct 259.08%
Oct 258.93%
Oct 259.21%
Oct 259.5%
Oct 259.05%
Sep 258.68%
Sep 258.61%
Sep 258.63%
Sep 258.57%
Aug 258.62%
Aug 258.65%
Aug 258.98%
Aug 259.96%
Aug 259.95%
Jul 259.33%
Jul 259.12%
Jul 259.4%
Jul 259.17%
Jun 259.83%
Jun 2510.47%
Jun 2510.54%
Jun 2510.23%
May 2510.41%
May 2510.71%
May 2510.18%
May 258.97%
May 258.95%
Apr 259.17%
Apr 259.56%
Apr 2510.18%
Apr 2510%
Mar 258.85%
Mar 258.89%
Mar 257.62%
Mar 257.47%
Feb 256.96%
Feb 256.94%
Feb 256.78%
Feb 256.67%
Jan 256.85%
Jan 256.8%
Jan 257.65%
Jan 258.22%
Jan 257.73%
Dec 247.78%
Dec 247.67%
Dec 247.1%
Dec 246.77%
Nov 246.66%
Nov 246.58%
Nov 246.72%
Nov 245.74%
Nov 246.34%
Oct 246.54%
Price to Sales
1.522.53med 2.07Dec 24Apr 25Jul 25Nov 25Feb 26Jun 26Sep 26
SMBK Price to Sales by year
PeriodPrice to Sales
Sep 262.65
Sep 262.65
Sep 262.63
Aug 262.58
Aug 262.59
Aug 262.68
Aug 262.7
Jul 262.72
Jul 262.6
Jul 262.5
Jul 262.42
Jul 262.46
Jun 262.49
Jun 262.32
Jun 262.36
Jun 262.2
May 262.17
May 262.16
May 262.08
May 262.24
May 262.25
Apr 262.24
Apr 262.25
Apr 262.24
Apr 262.1
Mar 262.03
Mar 261.97
Mar 262.08
Mar 262.09
Feb 262.14
Feb 262.28
Feb 262.26
Feb 262.34
Jan 262.18
Jan 262.14
Jan 262.15
Jan 262.06
Jan 261.99
Dec 252.06
Dec 252.11
Dec 252.14
Dec 252.03
Nov 251.98
Nov 251.95
Nov 251.96
Nov 251.94
Oct 251.95
Oct 251.98
Oct 251.92
Oct 251.86
Oct 251.95
Sep 252.04
Sep 252.05
Sep 252.05
Sep 252.06
Aug 252.05
Aug 252.04
Aug 251.97
Aug 251.91
Aug 251.91
Jul 252.04
Jul 252.08
Jul 252.02
Jul 252.07
Jun 251.93
Jun 251.81
Jun 251.8
Jun 251.86
May 251.82
May 251.77
May 251.87
May 251.81
May 251.81
Apr 251.77
Apr 251.7
Apr 251.59
Apr 251.62
Mar 251.83
Mar 251.82
Mar 251.93
Mar 251.97
Feb 252.11
Feb 252.11
Feb 252.17
Feb 252.2
Jan 252.14
Jan 252.16
Jan 251.92
Jan 251.79
Jan 251.9
Dec 241.89
Dec 241.91
Dec 242.07
Dec 242.17
Nov 242.2
Nov 242.23
Nov 242.18
Nov 242.35
Nov 242.13
Oct 242.06
EV/EBITDA
-10-505med -1.91Dec 24Apr 25Jul 25Nov 25Feb 26Jun 26Sep 26
SMBK EV/EBITDA by year
PeriodEV/EBITDA
Sep 264.62
Sep 264.65
Sep 264.57
Aug 264.33
Aug 264.38
Aug 264.78
Aug 261.09
Jul 261.2
Jul 260.64
Jul 260.19
Jul 26-0.2
Jul 260
Jun 260.15
Jun 26-0.64
Jun 26-0.45
Jun 26-1.2
May 26-1.34
May 26-1.35
May 26-1.73
May 26-4.74
May 26-4.72
Apr 26-4.77
Apr 26-4.71
Apr 26-4.76
Apr 26-5.4
Mar 26-5.7
Mar 26-5.96
Mar 26-2.16
Mar 26-2.1
Feb 26-1.9
Feb 26-1.27
Feb 26-1.34
Feb 26-0.96
Jan 26-1.72
Jan 26-1.9
Jan 26-1.85
Jan 26-2.26
Jan 26-2.55
Dec 25-2.24
Dec 25-2.02
Dec 25-1.88
Dec 25-2.41
Nov 25-2.63
Nov 25-2.77
Nov 25-2.69
Nov 25-2.81
Oct 25-0.79
Oct 25-0.63
Oct 25-0.91
Oct 25-1.2
Oct 25-0.75
Sep 25-0.34
Sep 25-0.27
Sep 25-0.28
Sep 25-0.21
Aug 25-0.28
Aug 25-0.31
Aug 25-0.67
Aug 25-5.27
Aug 25-5.26
Jul 25-4.62
Jul 25-4.39
Jul 25-4.7
Jul 25-4.45
Jun 25-5.14
Jun 25-5.74
Jun 25-5.8
Jun 25-5.52
May 25-5.69
May 25-5.94
May 25-5.48
May 25-2.12
May 25-2.1
Apr 25-2.33
Apr 25-2.68
Apr 25-3.21
Apr 25-3.06
Mar 25-2
Mar 25-2.05
Mar 25-2.14
Mar 25-1.93
Feb 25-1.18
Feb 25-1.16
Feb 25-0.89
Feb 25-0.71
Jan 25-1.01
Jan 25-0.92
Jan 25-2.18
Jan 25-2.87
Jan 25-2.28
Dec 24-2.34
Dec 24-2.21
Dec 24-1.41
Dec 24-0.89
Nov 24-0.69
Nov 24-0.54
Nov 24-0.8
Nov 24-2.65
Nov 24-3.92
Oct 24-4.31
Price/Operating Cashflow
810121416med 10.77Dec 24Apr 25Jul 25Nov 25Feb 26Jun 26Sep 26
SMBK Price/Operating Cashflow by year
PeriodPrice/Operating Cashflow
Sep 2611.93
Sep 2611.97
Sep 2611.88
Aug 2611.64
Aug 2611.69
Aug 2612.09
Aug 2613.69
Jul 2613.82
Jul 2613.19
Jul 2612.7
Jul 2612.26
Jul 2612.48
Jun 2612.65
Jun 2611.77
Jun 2611.99
Jun 2611.15
May 2611
May 2610.98
May 2610.56
May 2611.5
May 2611.52
Apr 2611.47
Apr 2611.53
Apr 2611.48
Apr 2610.75
Mar 2610.41
Mar 2610.12
Mar 2610.35
Mar 2610.41
Feb 2610.63
Feb 2611.33
Feb 2611.25
Feb 2611.66
Jan 2610.83
Jan 2610.64
Jan 2610.69
Jan 2610.24
Jan 269.92
Dec 2510.25
Dec 2510.5
Dec 2510.66
Dec 2510.08
Nov 259.83
Nov 259.67
Nov 259.77
Nov 259.64
Oct 2510.22
Oct 2510.39
Oct 2510.09
Oct 259.78
Oct 2510.26
Sep 2510.7
Sep 2510.79
Sep 2510.76
Sep 2510.84
Aug 2510.77
Aug 2510.73
Aug 2510.35
Aug 259.3
Aug 259.31
Jul 259.93
Jul 2510.15
Jul 259.85
Jul 2510.1
Jun 259.42
Jun 258.85
Jun 258.79
Jun 259.05
May 258.89
May 258.65
May 259.1
May 259.8
May 259.82
Apr 259.57
Apr 259.19
Apr 258.63
Apr 258.78
Mar 259.93
Mar 259.88
Mar 2511.1
Mar 2511.34
Feb 2512.17
Feb 2512.19
Feb 2512.49
Feb 2512.7
Jan 2512.36
Jan 2512.46
Jan 2511.07
Jan 2510.3
Jan 2510.95
Dec 2410.88
Dec 2411.03
Dec 2411.92
Dec 2412.5
Nov 2412.71
Nov 2412.87
Nov 2412.59
Nov 2414.43
Nov 2413.07
Oct 2412.65
Price to Book
0.811.21.41.6med 1.19Dec 24Apr 25Jul 25Nov 25Feb 26Jun 26Sep 26
SMBK Price to Book by year
PeriodPrice to Book
Sep 261.52
Sep 261.52
Sep 261.51
Aug 261.48
Aug 261.49
Aug 261.54
Aug 261.55
Jul 261.57
Jul 261.5
Jul 261.44
Jul 261.39
Jul 261.42
Jun 261.44
Jun 261.34
Jun 261.36
Jun 261.26
May 261.25
May 261.25
May 261.2
May 261.28
May 261.29
Apr 261.28
Apr 261.29
Apr 261.28
Apr 261.2
Mar 261.16
Mar 261.13
Mar 261.19
Mar 261.2
Feb 261.22
Feb 261.3
Feb 261.29
Feb 261.34
Jan 261.24
Jan 261.22
Jan 261.23
Jan 261.18
Jan 261.14
Dec 251.18
Dec 251.21
Dec 251.22
Dec 251.16
Nov 251.13
Nov 251.11
Nov 251.12
Nov 251.11
Oct 251.13
Oct 251.15
Oct 251.12
Oct 251.08
Oct 251.13
Sep 251.18
Sep 251.19
Sep 251.19
Sep 251.2
Aug 251.19
Aug 251.19
Aug 251.14
Aug 251.1
Aug 251.1
Jul 251.18
Jul 251.2
Jul 251.17
Jul 251.2
Jun 251.12
Jun 251.05
Jun 251.04
Jun 251.07
May 251.05
May 251.02
May 251.08
May 251.05
May 251.05
Apr 251.03
Apr 250.99
Apr 250.93
Apr 250.94
Mar 251.06
Mar 251.06
Mar 251.08
Mar 251.11
Feb 251.19
Feb 251.19
Feb 251.22
Feb 251.24
Jan 251.21
Jan 251.22
Jan 251.08
Jan 251.01
Jan 251.07
Dec 241.06
Dec 241.08
Dec 241.16
Dec 241.22
Nov 241.24
Nov 241.26
Nov 241.23
Nov 241.28
Nov 241.16
Oct 241.12
SmartFinancial, Inc.
SMBK
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News: SMBK

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

defenseworld.net · 7 Sep 2026

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

SmartFinancial, Inc. (NASDAQ: SMBK - Get Free Report) has been given a consensus rating of "Moderate Buy" by the seven brokerages that are currently covering the stock, Marketbeat.com reports. Four analysts have rated the stock with a hold rating, two have given a buy rating and one has assigned a strong buy rating to the company.

SmarFinancial (SMBK) Upgraded to Buy: What Does It Mean for the Stock?

zacks.com · 22 Jul 2026

SmarFinancial (SMBK) Upgraded to Buy: What Does It Mean for the Stock?

SmarFinancial (SMBK) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.

Analysts Set SmartFinancial, Inc. (NASDAQ:SMBK) Target Price at $47.50

defenseworld.net · 22 Jul 2026

Analysts Set SmartFinancial, Inc. (NASDAQ:SMBK) Target Price at $47.50

SmartFinancial, Inc. (NASDAQ: SMBK - Get Free Report) has earned a consensus recommendation of "Moderate Buy" from the six ratings firms that are presently covering the company, MarketBeat Ratings reports. Three investment analysts have rated the stock with a hold rating, one has issued a buy rating and two have given a strong buy rating to

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

seekingalpha.com · 21 Jul 2026

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

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

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

zacks.com · 20 Jul 2026

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

Although the revenue and EPS for SmarFinancial (SMBK) give a sense of how its business performed in the quarter ended June 2026, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.

SmarFinancial (SMBK) Surpasses Q2 Earnings and Revenue Estimates

zacks.com · 20 Jul 2026

SmarFinancial (SMBK) Surpasses Q2 Earnings and Revenue Estimates

SmarFinancial (SMBK) came out with quarterly earnings of $0.96 per share, beating the Zacks Consensus Estimate of $0.9 per share. This compares to earnings of $0.69 per share a year ago.

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

businesswire.com · 20 Jul 2026

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

KNOXVILLE, Tenn.--(BUSINESS WIRE)--SmartFinancial, Inc. ("SmartFinancial" or the "Company"; NYSE: SMBK), today announced net income of $16.3 million, or $0.96 per diluted common share, for the second quarter of 2026, compared to net income of $11.7 million, or $0.69 per diluted common share, for the second quarter of 2025, and compared to prior quarter net income of $13.7 million, or $0.81 per diluted common share. Highlights for the Second Quarter of 2026 Operating earnings1 of $16.3 million,.

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

zacks.com · 15 Jul 2026

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

Beyond analysts' top-and-bottom-line estimates for SmarFinancial (SMBK), evaluate projections for some of its key metrics to gain a better insight into how the business might have performed for the quarter ended June 2026.

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