Symbols / SMBK Stock $42.27 +1.56% SmartFinancial, Inc.

Financial Services • Banks - Regional • United States • NYQ
SMBK (Stock) Chart
O: — H: — L: — C: — V: —
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. William Young Carroll Jr.
Exch · Country NYQ · United States
Market Cap 722.75M
Enterprise Value 490.03M
Income 52.77M
Sales 196.53M
FCF (ttm) —
Book/sh 32.87
Cash/sh 20.91
Employees 581
Insider 10d —
IPO Oct 07, 2003
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 10.26%
P/E 13.55
Forward P/E 10.06
PEG —
P/S 3.68
P/B 1.29
P/C —
EV/EBITDA —
EV/Sales 2.49
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 3.12
EPS next Y 4.20
EPS Growth 20.90%
Revenue Growth 8.30%
EPS Gr Q/Q 21.60%
Rev Gr Q/Q —
Earnings (next) 2026-07-20
Earnings (prior) 2026-04-20
ROA 0.93%
ROE 9.88%
ROIC —
Gross Margin 0.00%
Oper. Margin 37.77%
Profit Margin 26.85%
Shs Outstand 17.10M
Shs Float 15.19M
Insider Own 11.08%
Instit Own 64.61%
Short Float 1.33%
Short Ratio 3.13
Short Interest 211.91K
52W High 43.91
vs 52W High -3.73%
52W Low 30.95
vs 52W Low 36.58%
Beta 0.72
Impl. Vol. 58.77%
Rel Volume 3.18
Avg Volume 66.94K
Volume 213.07K
Target (mean) $46.15
Tgt Median $46.00
Tgt Low $42.00
Tgt High $50.00
# Analysts 5
Recom None
Prev Close $41.62
Price $42.27
Change 1.56%
About

SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers in the United States. The company offers various deposits, including noninterest-bearing and interest-bearing checking, savings, money market, and individual retirement accounts, as well as certificates of deposit. It also provides commercial and residential real estate, consumer real estate, construction and land development, commercial and industrial, and consumer and other loans, as well as leases to small and mid-size companies for equipment financing leases. In addition, the company offers wealth management, insurance, mortgage origination, and internet and mobile banking services. It operates in Tennessee, Alabama, and Florida. SmartFinancial, Inc. is based in Knoxville, Tennessee.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$46.15
Mean price target
2. Current target
$42.27
Latest analyst target
3. DCF / Fair value
$46.80
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$42.27
Low
$42.00
High
$50.00
Mean
$46.15

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-21 main Keefe, Bruyette & Woods Market Perform → Market Perform $46
2025-11-04 main Keefe, Bruyette & Woods Market Perform → Market Perform $40
2025-10-27 main Piper Sandler Neutral → Neutral $40
2025-07-24 reit Raymond James Strong Buy → Strong Buy $44
2025-07-24 main Keefe, Bruyette & Woods Market Perform → Market Perform $38
2025-04-24 main Keefe, Bruyette & Woods Market Perform → Market Perform $35
2025-04-22 reit Stephens & Co. Equal-Weight → Equal-Weight $31
2025-01-23 reit Raymond James Strong Buy → Strong Buy $42
2024-10-23 main Raymond James Strong Buy → Strong Buy $36
2024-07-24 down Piper Sandler Overweight → Neutral $28
2024-07-23 reit Stephens & Co. Overweight → Overweight $27
2024-05-23 main Stephens & Co. Overweight → Overweight $27
2024-04-24 reit Stephens & Co. Overweight → Overweight $26
2024-04-24 main Keefe, Bruyette & Woods Market Perform → Market Perform $24
2024-04-24 up Piper Sandler Neutral → Overweight $26
2024-04-23 reit Stephens & Co. Overweight → Overweight $26
2024-01-24 main Keefe, Bruyette & Woods Market Perform → Market Perform $26
2024-01-23 reit Stephens & Co. Overweight → Overweight $27
2024-01-05 main Raymond James Strong Buy → Strong Buy $28
2023-10-25 main Stephens & Co. Overweight → Overweight $25
News
RSS: Latest SMBK news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-06-04 ACKERMANN CATHY G. Director — 3,000 $42.12 $126,360
2026-05-19 WOLPERT GEOFFREY ALAN Director — 31,118 $0.00 $0
2026-05-18 WOLPERT GEOFFREY ALAN Director — 24,849 $0.00 $0
2026-05-04 SHOMAKER KELLI D Director — 290 $41.30 $11,977
2026-05-01 WOLPERT GEOFFREY ALAN Director — 23,721 $0.00 $0
2026-04-24 JORDAN RHETT D Officer — 500 $41.85 $20,925
2026-03-10 WELBORN WESLEY MILLER Chairman of the Board — 3,542 $0.00 $0
2026-03-10 GORCZYNSKI RONALD J Chief Financial Officer — 3,752 $0.00 $0
2026-03-10 CARROLL WILLIAM YOUNG JR Chief Executive Officer — 9,450 $0.00 $0
2026-03-10 JORDAN RHETT D Officer — 3,414 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
196.50
+14.58%
171.50
+12.53%
152.41
-7.75%
165.22
Operating Revenue
196.50
+14.58%
171.50
+12.53%
152.41
-7.75%
165.22
Selling General And Administration
83.92
+9.25%
76.81
+9.34%
70.25
+4.25%
67.39
Selling And Marketing Expense
1.62
+22.56%
1.32
-1.56%
1.34
+3.79%
1.29
General And Administrative Expense
82.30
+9.02%
75.49
+9.56%
68.91
+4.26%
66.09
Salaries And Wages
78.30
+8.60%
72.10
+9.66%
65.75
+3.67%
63.42
Other Gand A
—
—
—
—
Reconciled Depreciation
9.74
-14.67%
11.41
-15.43%
13.50
+6.75%
12.64
Total Unusual Items
2.63
0.00
+100.00%
-0.11
+80.43%
-0.56
Total Unusual Items Excluding Goodwill
2.63
0.00
+100.00%
-0.11
+80.43%
-0.56
Special Income Charges
2.63
0.00
+100.00%
-0.11
+80.43%
-0.56
Restructuring And Mergern Acquisition
1.33
0.00
-100.00%
0.11
-80.43%
0.56
Net Income
50.35
+39.31%
36.14
+26.40%
28.59
-33.54%
43.02
Pretax Income
61.50
+35.29%
45.46
+25.49%
36.23
-34.02%
54.91
Net Interest Income
166.10
+20.93%
137.35
+5.59%
130.08
-5.40%
137.50
Interest Expense
119.87
+5.36%
113.77
+29.34%
87.96
+312.33%
21.33
Interest Income
285.97
+13.88%
251.12
+15.17%
218.04
+37.28%
158.83
Gain On Sale Of Security
-3.72
-5910.94%
0.06
+100.94%
-6.80
-4822.92%
0.14
Gain On Sale Of Business
3.96
0.00
0.00
—
Tax Provision
11.15
+19.70%
9.32
+22.08%
7.63
-35.78%
11.89
Tax Rate For Calcs
0.00
-11.50%
0.00
-2.72%
0.00
-2.90%
0.00
Tax Effect Of Unusual Items
0.48
0.00
+100.00%
-0.02
+80.99%
-0.12
Net Income Including Noncontrolling Interests
50.35
+39.31%
36.14
+26.40%
28.59
-33.54%
43.02
Net Income From Continuing Operation Net Minority Interest
50.35
+39.31%
36.14
+26.40%
28.59
-33.54%
43.02
Net Income From Continuing And Discontinued Operation
50.35
+39.31%
36.14
+26.40%
28.59
-33.54%
43.02
Net Income Continuous Operations
50.35
+39.31%
36.14
+26.40%
28.59
-33.54%
43.02
Normalized Income
48.19
+33.35%
36.14
+26.02%
28.68
-34.01%
43.46
Net Income Common Stockholders
50.35
+39.31%
36.14
+26.40%
28.59
-33.54%
43.02
Diluted EPS
2.98
+39.25%
2.14
+26.63%
1.69
-33.73%
2.55
Basic EPS
3.00
+38.89%
2.16
+27.06%
1.70
-33.85%
2.57
Basic Average Shares
16.78
+0.06%
16.77
-0.21%
16.81
+0.39%
16.74
Diluted Average Shares
16.90
+0.12%
16.88
-0.21%
16.91
+0.24%
16.87
Diluted NI Availto Com Stockholders
50.35
+39.31%
36.14
+26.40%
28.59
-33.54%
43.02
Amortization
2.15
-11.34%
2.42
-7.58%
2.62
+0.65%
2.61
Amortization Of Intangibles Income Statement
2.15
-11.34%
2.42
-7.58%
2.62
+0.65%
2.61
Depreciation Amortization Depletion Income Statement
2.15
-11.34%
2.42
-7.58%
2.62
+0.65%
2.61
Depreciation And Amortization In Income Statement
2.15
-11.34%
2.42
-7.58%
2.62
+0.65%
2.61
Insurance And Claims
4.00
+18.05%
3.39
+7.41%
3.16
+18.11%
2.67
Occupancy And Equipment
13.69
+0.51%
13.62
+1.23%
13.45
+11.77%
12.03
Other Non Interest Expense
25.35
+6.38%
23.83
+2.38%
23.27
+16.89%
19.91
Professional Expense And Contract Services Expense
4.78
+13.50%
4.21
+22.19%
3.44
-9.16%
3.79
Line Item Trend 2023-12-31
Total Assets
4,829.39
Cash And Cash Equivalents
294.82
Cash Financial
61.59
Other Short Term Investments
408.41
Receivables
68.11
Other Receivables
68.11
Net PPE
92.96
Gross PPE
119.56
Accumulated Depreciation
-26.59
Land And Improvements
21.40
Buildings And Improvements
71.58
Machinery Furniture Equipment
24.30
Construction In Progress
2.27
Goodwill And Other Intangible Assets
107.15
Goodwill
96.14
Other Intangible Assets
11.00
Investments And Advances
689.65
Total Liabilities Net Minority Interest
4,369.50
Current Debt And Capital Lease Obligation
8.00
Current Debt
8.00
Long Term Debt And Capital Lease Obligation
42.10
Long Term Debt
42.10
Stockholders Equity
459.89
Common Stock Equity
459.89
Capital Stock
16.99
Common Stock
16.99
Preferred Stock
0.00
Share Issued
16.99
Ordinary Shares Number
16.99
Treasury Shares Number
0.00
Additional Paid In Capital
295.70
Retained Earnings
173.10
Gains Losses Not Affecting Retained Earnings
-25.91
Minority Interest
0.00
Other Equity Adjustments
-25.91
Total Equity Gross Minority Interest
459.89
Total Capitalization
501.99
Invested Capital
509.99
Total Debt
50.10
Net Tangible Assets
352.74
Tangible Book Value
352.74
Available For Sale Securities
—
Cash Cash Equivalents And Federal Funds Sold
352.27
Held To Maturity Securities
281.24
Line Of Credit
8.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
61.72
+17.12%
52.70
+32.69%
39.72
-30.07%
56.79
Cash Flow From Continuing Operating Activities
61.72
+17.12%
52.70
+32.69%
39.72
-30.07%
56.79
Net Income From Continuing Operations
50.35
+39.31%
36.14
+26.40%
28.59
-33.54%
43.02
Depreciation Amortization Depletion
9.74
-14.67%
11.41
-15.43%
13.50
+6.75%
12.64
Depreciation
7.59
-15.57%
8.99
-17.33%
10.87
+8.34%
10.04
Amortization Cash Flow
2.15
-11.34%
2.42
-7.58%
2.62
+0.65%
2.61
Depreciation And Amortization
9.74
-14.67%
11.41
-15.43%
13.50
+6.75%
12.64
Amortization Of Intangibles
2.15
-11.34%
2.42
-7.58%
2.62
+0.65%
2.61
Other Non Cash Items
-7.84
-155.79%
-3.07
+32.62%
-4.55
-690.28%
-0.58
Stock Based Compensation
1.94
+19.03%
1.63
+20.76%
1.35
+3.77%
1.30
Deferred Tax
-0.47
-491.67%
0.12
-90.83%
1.31
+335.86%
-0.56
Deferred Income Tax
-0.47
-491.67%
0.12
-90.83%
1.31
+335.86%
-0.56
Operating Gains Losses
-0.22
+87.03%
-1.71
-125.09%
6.82
+1857.73%
-0.39
Gain Loss On Investment Securities
3.72
+5910.94%
-0.06
-100.94%
6.80
+4822.92%
-0.14
Gain Loss On Sale Of PPE
0.01
+100.85%
-1.65
-8768.42%
0.02
+107.79%
-0.24
Change In Working Capital
0.48
-83.94%
3.02
+129.24%
-10.33
-286.60%
-2.67
Change In Receivables
-1.45
-61.47%
-0.90
+69.96%
-2.99
+29.54%
-4.24
Changes In Account Receivables
-1.45
-61.47%
-0.90
+69.96%
-2.99
+29.54%
-4.24
Change In Payables And Accrued Expense
3.42
+1270.00%
0.25
-90.08%
2.52
+10600.00%
-0.02
Change In Payable
3.42
+1270.00%
0.25
-90.08%
2.52
+10600.00%
-0.02
Change In Account Payable
3.42
+1270.00%
0.25
-90.08%
2.52
+10600.00%
-0.02
Change In Other Current Assets
4.11
+8.61%
3.79
+318.71%
-1.73
+93.19%
-25.42
Change In Other Current Liabilities
-5.60
-4570.00%
-0.12
+98.52%
-8.13
-130.09%
27.02
Investing Cash Flow
-499.05
-18.76%
-420.22
-210.72%
-135.24
+83.92%
-840.82
Cash Flow From Continuing Investing Activities
-499.05
-18.76%
-420.22
-210.72%
-135.24
+83.92%
-840.82
Net PPE Purchase And Sale
-2.27
-32.75%
-1.71
+69.45%
-5.59
+49.32%
-11.03
Purchase Of PPE
-2.39
+62.70%
-6.41
-2.15%
-6.27
+49.79%
-12.49
Sale Of PPE
0.12
-97.38%
4.70
+588.86%
0.68
-53.29%
1.46
Capital Expenditure
-2.39
+62.70%
-6.41
-2.15%
-6.27
+49.79%
-12.49
Net Investment Purchase And Sale
-39.58
-146.53%
85.06
+1.53%
83.77
+131.38%
-266.97
Purchase Of Investment
-215.34
-63.92%
-131.38
-0.61%
-130.58
+62.47%
-347.91
Sale Of Investment
175.77
-18.79%
216.43
+0.97%
214.35
+164.85%
80.94
Net Business Purchase And Sale
11.20
0.00
0.00
+100.00%
-4.88
Gain Loss On Sale Of Business
-3.96
0.00
0.00
—
Net Other Investing Changes
-4.07
+88.16%
-34.32
-20409.47%
0.17
-62.53%
0.45
Financing Cash Flow
514.17
+27.64%
402.82
+122.10%
181.37
+3276.23%
5.37
Cash Flow From Continuing Financing Activities
514.17
+27.64%
402.82
+122.10%
181.37
+3276.23%
5.37
Net Issuance Payments Of Debt
54.57
+939.48%
-6.50
-44.44%
-4.50
+90.09%
-45.41
Issuance Of Debt
101.07
-36.87%
160.10
+509.32%
26.27
-14.93%
30.89
Repayment Of Debt
-46.50
+72.09%
-166.60
-441.35%
-30.77
+59.67%
-76.30
Long Term Debt Issuance
101.07
-36.87%
160.10
+509.32%
26.27
-14.93%
30.89
Long Term Debt Payments
-46.50
+72.09%
-166.60
-441.35%
-30.77
+59.67%
-76.30
Net Long Term Debt Issuance
54.57
+939.48%
-6.50
-44.44%
-4.50
+90.09%
-45.41
Net Common Stock Issuance
0.15
+105.28%
-2.90
-1856.97%
0.17
-58.44%
0.40
Common Stock Payments
0.00
+100.00%
-2.97
0.00
0.00
Common Stock Dividend Paid
-5.45
-0.55%
-5.42
+0.09%
-5.43
-14.88%
-4.72
Cash Dividends Paid
-5.45
-0.55%
-5.42
+0.09%
-5.43
-14.88%
-4.72
Repurchase Of Capital Stock
0.00
+100.00%
-2.97
0.00
0.00
Net Other Financing Charges
-0.31
-38.12%
-0.22
-291.23%
-0.06
+72.33%
-0.21
Changes In Cash
76.85
+117.70%
35.30
-58.88%
85.85
+111.03%
-778.65
Beginning Cash Position
387.57
+10.02%
352.27
+32.22%
266.42
-74.51%
1,045.08
End Cash Position
464.42
+19.83%
387.57
+10.02%
352.27
+32.22%
266.42
Free Cash Flow
59.34
+28.17%
46.30
+38.42%
33.45
-24.51%
44.31
Interest Paid Supplemental Data
116.44
+2.44%
113.67
+33.03%
85.44
+300.09%
21.36
Income Tax Paid Supplemental Data
12.39
+41.21%
8.77
-6.13%
9.35
-23.42%
12.21
Common Stock Issuance
0.15
+125.00%
0.07
-58.79%
0.17
-58.44%
0.40
Issuance Of Capital Stock
0.15
-15.47%
0.18
+9.70%
0.17
-58.44%
0.40
Net Preferred Stock Issuance
0.00
-100.00%
0.11
0.00
0.00
Preferred Stock Issuance
0.00
-100.00%
0.11
0.00
0.00
Sale Of Business
11.20
0.00
0.00
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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