Accessibility Menu
SmartFinancial logo

SmartFinancial(NYSE) SMBK

Market Cap$875.10MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2015)+258%
5 Year+119%
1 Year+41%
1 Month+3%
$50.98
-0.39%
-0.20Today
SmartFinancial last closing stock price
MetricPriceDate
Last closeUSD 51.182026-08-24
SmartFinancial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-1.52%USD 51.972026-08-17
1 month+2.51%USD 49.922026-07-24
3 month+22.44%USD 41.802026-05-26
Year to date+39.17%USD 36.772025-12-31
1 year+40.55%USD 36.422025-08-22
3 year+129.62%USD 22.292023-08-25
5 year+118.52%USD 23.422021-08-25
Since inception+258.03%USD 14.262015-09-01

SmartFinancial Financials at a Glance

Market Cap

$875.10MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$331.18M

Net Income (TTM)

$57.39M

EPS (TTM)

$3.39

P/E Ratio

15.10

Dividend

$0.34

Beta (Volatility)

0.72 (Low)

Price

$50.98

Volume

8,366.157

Open

$51.23

Previous Close

$51.18

Daily Range

$50.65 - $51.41

52-Week Range

$33.01 - $54.14

Estimated Earnings Date

Oct 20, 2026

SMBK News

No articles available.

Motley Fool Moneyball Superscore

Our CEO Is Handing Members His Secret Weapon

It's called Motley Fool Moneyball, our new proprietary AI tool

We spent over half a million dollars in R&D to build a tool that makes stock research faster, sharper, and smarter. Our analysts use it every day, and now, you can too.

Get Access Now

About SmartFinancial

SmartFinancial, Inc. helps people and businesses manage their money. The company provides safe accounts to save and grow cash. Customers get loans for buying homes or starting new businesses.

The Daily Bank Account and More

  • Non-owner Occupied Real Estate: Loans for commercial properties that the borrower rents to others.
  • Owner Occupied Real Estate: Loans for business owners to purchase the buildings where they work.
  • Consumer Real Estate: Residential mortgages and other property loans for individual homeowners.
  • Commercial and Industrial: Financing for small and medium-sized businesses to fund operations or equipment.
  • Construction and Land Development: Loans for new building projects and land improvement.

Strategic Moves and Market Growth

  • Enhanced the allowance for credit losses (ACL) model during the quarter ending March 31, 2026.
  • Sold the insurance subsidiary, SmartBank Insurance Agency (SBKI), in the third quarter of 2025.
  • Increased organic loans and leases by $319.4 million during the first six months of 2026.
  • Expanded the regional footprint to include 41 full-service branches across Tennessee, Alabama, and Florida by March 2022.

Why Local Knowledge Matters

The bank focuses on local relationships by using the business contacts of senior management and directors to find new clients. This regional strategy allows the team to use their specific knowledge of market areas in Tennessee, Alabama, and Florida.

A Look at the Financials

  • Net income reached $16.3 million for the three-month period ended June 30, 2026, compared to $11.7 million for the same period in 2025.
  • Diluted income per common share was $0.96 for the three-month period ended June 30, 2026, compared to $0.69 for the same period in 2025.
  • Total deposits rose to $5.39 billion as of June 30, 2026, an increase of $232.8 million from Dec. 31, 2025.
  • The tax equivalent net interest margin reached 3.52% for the three-month period ended June 30, 2026, up from 3.29% for the three-month period ended June 30, 2025.

Evolution Summary

SmartFinancial has evolved from a local bank into a regional financial services provider across three states. Its focus on commercial lending and core deposit growth supports its expansion in the Southeastern United States.

AI Generated • Aug 11, 2026

Industry

Banks

Sector

Financials

Employees

589

CEO

William Young Carroll, Jr.

Website

www.smartbank.com

Headquarters

Knoxville, TN 37919, US

SMBK Financials

Key Financial Metrics (TTM)

Gross Margin

62.96%

Operating Margin

21.43%

Net Income Margin

17.33%

Return on Equity

10.30%

Return on Capital

9.40%

Return on Assets

0.94%

Earnings Yield

6.62%

Dividend Yield

0.66%

Payout Ratio

9.82%

Stock Overview

Market Cap

$875.10MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

17.10M

Volume

8.37K

Avg. Volume

118.41K

Financials (TTM)

Gross Profit

$208.50M

Operating Income

$70.98M

EBITDA

$74.41M

Operating Cash Flow

$73.44M

Capital Expenditure

-$2.96M

Free Cash Flow

$70.48M

Cash & ST Invst.

$642.93M

Total Debt

$110.41M

SmartFinancial Performance Analysis

SmartFinancial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 184,387,00023.6%
20232023-12-31USD 238,947,00029.6%
20242024-12-31USD 283,428,00018.6%
20252025-12-31USD 314,208,00010.9%
SmartFinancial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-301.1%
Q42025-12-315.9%
Q12026-03-31-1.9%
Q22026-06-304.5%
SmartFinancial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 2.5515.1%
20232023-12-31USD 1.69-33.7%
20242024-12-31USD 2.1426.7%
20252025-12-31USD 2.9839.1%
SmartFinancial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3017.4%
Q42025-12-31N/A
Q12026-03-31N/A
Q22026-06-3018.5%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$85.93M

+9.7%

Gross Profit

$54.49M

+16.4%

Gross Margin

63.41%

N/A

Market Cap

$875.10MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.50M

N/A

Employees

585

N/A

Net Income

$16.32M

+39.4%

EBITDA

$20.53M

+20.9%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$642.93M

-5.7%

Total Debt

$110.41M

+136.5%

Accounts Receivable

$15.20M

-75.3%

Inventory

$0.00

N/A

Long Term Debt

$99.41M

+150.2%

Short Term Debt

$1.46M

-79.1%

Return on Assets

0.94%

N/A

Return on Invested Capital

1.16%

N/A

Free Cash Flow

$29.87M

+125.5%

Operating Cash Flow

$23.66M

+68.8%

Other Investments to Explore

People Also Watch

Symbol / CompanyPricePrice Chg
GSBCGreat Southern Bancorp, Inc.
$78.82+0.22%
SPFISouth Plains Financial, Inc.
$43.80-0.45%
HTBKHeritage Commerce Corp
$13.45+3.07%
NBBKNB Bancorp, Inc. Common Stock
$22.32-0.86%

Trending Stocks

Symbol / CompanyPricePrice Chg
NVDANvidia
$210.64+0.01%
IBITiShares Bitcoin Trust
$44.89+0.01%
INTCIntel
$88.29+0.01%
BMNRBitmine Immersion Technologies
$25.46+0.05%

Questions About SMBK

What is the current price of SmartFinancial?

SmartFinancial is trading at $51.07 per share.

What is the 52-week range for SmartFinancial?

Over the past 52 weeks, SmartFinancial has traded between $33.01 and $54.14.

How much debt does SmartFinancial have?

As of the most recent reporting period, SmartFinancial reported total debt of $110.41M.

How much cash does SmartFinancial have on hand?

SmartFinancial does not have cash on hand data available.

What is SmartFinancial’s dividend yield?

SmartFinancial currently has a dividend yield of 0.66%.

Premium Investing Services

Invest better with The Motley Fool. Get stock recommendations, portfolio guidance, and more from The Motley Fool's premium services.

View Premium Services