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SmartFinancial(NYSE) SMBK

Market CapN/AMarket 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)+268%
5 Year+128%
1 Year+55%
1 Month+9%
N/A
SmartFinancial last closing stock price
MetricPriceDate
Last closeUSD 52.402026-07-31
SmartFinancial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+4.96%USD 49.922026-07-24
1 month+8.99%USD 48.082026-07-01
3 month+24.19%USD 42.192026-05-01
Year to date+42.49%USD 36.772025-12-31
1 year+54.56%USD 33.902025-07-31
3 year+115.43%USD 24.322023-08-01
5 year+127.6%USD 23.022021-07-30
Since inception+267.57%USD 14.262015-09-01

SmartFinancial Financials at a Glance

Market Cap

N/AMarket 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)

N/A

P/E Ratio

N/A

Dividend

N/A

Beta (Volatility)

N/A

Price

N/A

Volume

N/A

Open

N/A

Previous Close

N/A

Daily Range

N/A

52-Week Range

N/A

Estimated Earnings Date

Oct 20, 2026

SMBK News

No articles available.

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About SmartFinancial

SmartFinancial helps people and businesses manage their money. It provides bank accounts, loans, and financial planning services. The company serves families and businesses across the Southeast.

Services for People and Businesses

  • Commercial Real Estate: Loans for business properties like offices and retail centers.
  • Construction and Land Development: Funding for builders to develop or improve real estate.
  • Commercial and Industrial: Cash flow and equipment loans for small to mid-size companies.
  • Consumer Real Estate: Home mortgages and equity lines for individual residents.
  • Equipment Finance: Specialized leases for heavy machinery and trucks through a subsidiary.

Strategic Growth and New Markets

  • Operated 42 branches across Tennessee, Alabama, Florida, and Georgia by March 2026.
  • Utilized Fountain Equipment Finance, LLC to serve businesses in Atlanta and Nashville.
  • Opened two loan production offices—sites that process loans but do not take deposits.

Local Focus and Diversified Risk

The company uses a localized service model to compete with larger national banks. It manages risk by spreading loans across different property types and business industries.

Financial Highlights by the Numbers

  • Revenue was $82.2 million in Q1 2026, up 9.7% from Q1 2025.
  • Net income reached $13.7 million in Q1 2026, up 21.6% year-over-year.
  • Operating income was $16.8 million in Q1 2026, up 23.6% from Q1 2025.
  • Net loans and leases totaled $4.3 billion as of December 31, 2025.

The Big Picture

SmartFinancial has grown from a local Tennessee startup into a multi-state regional bank. Its focus on community relationships and diverse lending supports its ongoing expansion.

AI Generated • May 4, 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

N/A

Dividend Yield

64.89%

Payout Ratio

9.52%

Stock Overview

Market Cap

N/AMarket 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

N/A

Volume

N/A

Avg. Volume

N/A

Financials (TTM)

Gross Profit

$208.50M

Operating Income

$70.98M

EBITDA

$74.41M

Operating Cash Flow

$63.80M

Capital Expenditure

-$9.95M

Free Cash Flow

$53.85M

Cash & ST Invst.

$379.39M

Total Debt

$99.41M

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

N/AMarket 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

N/A

N/A

Employees

597

N/A

Net Income

$16.32M

+39.4%

EBITDA

$20.53M

+20.9%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$379.39M

-44.4%

Total Debt

$99.41M

+112.9%

Accounts Receivable

$0.00

-100.0%

Inventory

$0.00

N/A

Long Term Debt

$99.41M

+150.2%

Short Term Debt

$0.00

-100.0%

Return on Assets

0.94%

N/A

Return on Invested Capital

1.16%

N/A

Free Cash Flow

$10.16M

-24.0%

Operating Cash Flow

$16.36M

+14.5%

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Questions About SMBK

What is the current price of SmartFinancial?

SmartFinancial is trading at N/A per share.

What is the 52-week range for SmartFinancial?

Over the past 52 weeks, SmartFinancial has traded between N/A and N/A.

How much debt does SmartFinancial have?

As of the most recent reporting period, SmartFinancial reported total debt of $99.41M.

How much cash does SmartFinancial have on hand?

SmartFinancial does not have cash on hand data available.

What is SmartFinancial’s dividend yield?

SmartFinancial does not currently have a dividend yield.

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