SmartFinancial (SMBK) Stock Overview
Operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers in Tennessee, Alabama, and Florida. More details
| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 1/6 |
| Past Performance | 5/6 |
| Financial Health | 6/6 |
| Dividends | 2/6 |
SMBK Community Fair Values
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SmartFinancial, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$38.61 |
| 52 Week High | US$40.08 |
| 52 Week Low | US$26.31 |
| Beta | 0.75 |
| 1 Month Change | -2.57% |
| 3 Month Change | 12.73% |
| 1 Year Change | 23.79% |
| 3 Year Change | 43.32% |
| 5 Year Change | 91.99% |
| Change since IPO | 150.71% |
Recent News & Updates
Recent updates
SmartFinancial (NYSE:SMBK) Has Affirmed Its Dividend Of $0.08
Jul 28
Results: SmartFinancial, Inc. Exceeded Expectations And The Consensus Has Updated Its Estimates
Jul 25SmartFinancial (NYSE:SMBK) Has Announced A Dividend Of $0.08
Jan 25SmartFinancial's (NYSE:SMBK) Dividend Will Be $0.08
Nov 01
Calculated Enhancements And Optimized Strategies Propel Bank's Growth And Shareholder Value
Strategic focus on loan growth and optimized deposit strategies aims to expand revenue and improve funding cost efficiency.SmartFinancial's (NYSE:SMBK) Dividend Will Be $0.08
Apr 29SmartFinancial (NASDAQ:SMBK) Has Announced A Dividend Of $0.08
Nov 03SmartFinancial (NASDAQ:SMBK) Has Announced A Dividend Of $0.08
Aug 01Here's Why We Think SmartFinancial (NASDAQ:SMBK) Is Well Worth Watching
Jul 20SmartFinancial (NASDAQ:SMBK) Is Due To Pay A Dividend Of $0.08
May 02Shareholder Returns
| SMBK | US Banks | US Market | |
|---|---|---|---|
| 7D | 3.6% | -4.4% | 0.2% |
| 1Y | 23.8% | 22.1% | 18.7% |
Return vs Industry: SMBK exceeded the US Banks industry which returned 22.1% over the past year.
Return vs Market: SMBK exceeded the US Market which returned 18.7% over the past year.
Price Volatility
| SMBK volatility | |
|---|---|
| SMBK Average Weekly Movement | 3.4% |
| Banks Industry Average Movement | 3.7% |
| Market Average Movement | 6.5% |
| 10% most volatile stocks in US Market | 16.5% |
| 10% least volatile stocks in US Market | 3.0% |
Stable Share Price: SMBK has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: SMBK's weekly volatility (3%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| n/a | 605 | Billy Carroll | www.smartbank.com |
SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers in Tennessee, Alabama, and Florida. The company accepts 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, and construction and land development loans; commercial and financial loans and leases; commercial business and mortgage loans; direct consumer installment, educational, agriculture, and other revolving credit loans; equipment financing, heavy equipment, semis, and trailers loans and leases to small and medium sized businesses; letters of credit; and overdraft facilities.
SmartFinancial, Inc. Fundamentals Summary
| SMBK fundamental statistics | |
|---|---|
| Market cap | US$647.23m |
| Earnings (TTM) | US$46.29m |
| Revenue (TTM) | US$188.20m |
Is SMBK overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| SMBK income statement (TTM) | |
|---|---|
| Revenue | US$188.20m |
| Cost of Revenue | US$0 |
| Gross Profit | US$188.20m |
| Other Expenses | US$141.92m |
| Earnings | US$46.29m |
Last Reported Earnings
Sep 30, 2025
Next Earnings Date
Jan 20, 2026
| Earnings per share (EPS) | 2.72 |
| Gross Margin | 100.00% |
| Net Profit Margin | 24.59% |
| Debt/Equity Ratio | 28.5% |
How did SMBK perform over the long term?
See historical performance and comparisonDividends
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/01/14 22:37 |
| End of Day Share Price | 2026/01/14 00:00 |
| Earnings | 2025/09/30 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
SmartFinancial, Inc. is covered by 8 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Brett Rabatin | Hovde Group, LLC |
| Christopher Marinac | Janney Montgomery Scott LLC |
| Catherine Summerson Mealor | Keefe, Bruyette, & Woods |