SmartFinancial Past Earnings Performance
Past criteria checks 5/6
SmartFinancial has been growing earnings at an average annual rate of 7%, while the Banks industry saw earnings growing at 4% annually. Revenues have been growing at an average rate of 7.8% per year. SmartFinancial's return on equity is 9.9%, and it has net margins of 28.1%.
Key information
6.99%
Earnings growth rate
5.40%
EPS growth rate
| Banks Industry Growth | 11.18% |
| Revenue growth rate | 7.83% |
| Return on equity | 9.95% |
| Net Margin | 28.11% |
| Last Earnings Update | 30 Jun 2026 |
Recent past performance updates
Recent updates
Narrative Update • Jul 22
SMBK: Southeast Footprint And P/E Expectations Will Shape Balanced Forward Outlook
SmartFinancial's updated analyst price target has shifted higher from about $46.15 to roughly $50.13 per share, as analysts point to balance sheet growth, stronger loan trends, improving margins, disciplined expenses, and what they view as an attractive Southeast footprint to support their refreshed valuation work. Analyst Commentary Recent research on SmartFinancial highlights a generally optimistic tone, with analysts pointing to company specific execution and regional positioning as key factors behind higher valuation targets.Narrative Update • Jun 15
SMBK: Future Earnings Assumptions And P/E Expectations Will Guide Balanced Outlook
Analysts have lifted their SmartFinancial price targets by $3 to $4, citing refreshed assumptions around fair value, discount rate, revenue growth, profit margin, and future P/E. Together, these factors support a higher long term valuation framework.Narrative Update • Jun 01
SMBK: Future Earnings Execution And Risk Assumptions Will Shape Balanced Outlook
Analysts have raised their price targets on SmartFinancial by $3 to $4, citing updated views on discount rates, revenue growth, profit margins, and future P/E assumptions that support a refined fair value estimate of $46.15 per share. Analyst Commentary Recent research commentary around SmartFinancial focuses on how the refined fair value estimate and higher price targets line up with expectations for growth, profitability, and valuation discipline.Narrative Update • Apr 22
SMBK: Higher Rating And Margin Execution Should Support A More Positive Outlook
SmartFinancial's analyst price target has moved from $44.50 to $46.15, as analysts highlight improved revenue growth and profit margin assumptions, along with a slightly lower future P/E outlook, supported by a series of recent target hikes and an upgrade from major research firms. Analyst Commentary Recent Street research on SmartFinancial has clustered around higher price targets and a rating upgrade, with analysts explicitly tying their numbers to revenue growth assumptions, profit margins and a reset to a slightly lower future P/E.Analysis Article • Apr 10
If EPS Growth Is Important To You, SmartFinancial (NYSE:SMBK) Presents An Opportunity
It's common for many investors, especially those who are inexperienced, to buy shares in companies with a good story...Narrative Update • Apr 05
SMBK: Higher Rating And Earnings Execution Should Support A More Positive Outlook
Analysts have raised their SmartFinancial price target by $2, reflecting updated views on the bank's earnings profile and valuation following recent research commentary. Analyst Commentary Recent research points to a more constructive stance on SmartFinancial, with the higher price target reflecting updated views on how the bank might execute on its plans and how the shares are valued against those expectations.Narrative Update • Mar 20
SMBK: Share Repurchases And Market Positioning Will Support A More Positive Outlook
Analysts have maintained their fair value view on SmartFinancial and raised their price target by $2. They cited updated research, including an increased target from one firm and a more positive stance from another.Narrative Update • Mar 06
SMBK: Repurchases And Earnings Power Will Support A More Constructive Outlook
Analysts have raised their price target on SmartFinancial by $2, reflecting updated views on the bank's earnings power and valuation following recent research commentary. Analyst Commentary Bullish Takeaways Bullish analysts view the higher price target as better alignment with their updated assessment of SmartFinancial's earnings power, suggesting they see the bank's current valuation as not fully reflecting its fundamentals.Narrative Update • Feb 20
SMBK: Earnings Power And Buybacks Will Shape A Balanced Outlook
SmartFinancial's analyst price target shifts to $44.50, with analysts pointing to refreshed fair value estimates, slightly updated discount rate assumptions, and modest tweaks to projected margins and future P/E as key inputs in their latest models. Analyst Commentary Recent research highlights a generally constructive tone around SmartFinancial, with price targets adjusted to reflect updated fair value work and refreshed assumptions in analyst models.Narrative Update • Feb 05
SMBK: Earnings Power And Credit Costs Will Guide A Balanced Outlook
Analysts have increased their price target on SmartFinancial by about $2 to approximately $44, citing updated assumptions around fair value, revenue growth, profit margins and future P/E following recent research updates from multiple firms. Analyst Commentary Recent research updates point to a reassessment of SmartFinancial's valuation, with analysts fine tuning their views on how the bank can execute against its growth plans and maintain profitability at the current price level.Analysis Article • Feb 05
SmartFinancial (NYSE:SMBK) Has Affirmed Its Dividend Of $0.08
The board of SmartFinancial, Inc. ( NYSE:SMBK ) has announced that it will pay a dividend on the 2nd of March, with...Narrative Update • Jan 22
SMBK: Earnings Power And Credit Costs Will Shape A Measured Outlook
Narrative Update on SmartFinancial The analyst price target for SmartFinancial has moved higher by about $2.88 to $39.50. Analysts point to encouraging Q3 results, flat expenses despite new revenue hires, and a smaller than expected provision that lifted core EPS above prior estimates.Analysis Article • Jul 28
SmartFinancial (NYSE:SMBK) Has Affirmed Its Dividend Of $0.08
The board of SmartFinancial, Inc. ( NYSE:SMBK ) has announced that it will pay a dividend on the 25th of August, with...Analysis Article • Jul 25
Results: SmartFinancial, Inc. Exceeded Expectations And The Consensus Has Updated Its Estimates
A week ago, SmartFinancial, Inc. ( NYSE:SMBK ) came out with a strong set of quarterly numbers that could potentially...Analysis Article • Jan 25
SmartFinancial (NYSE:SMBK) Has Announced A Dividend Of $0.08
The board of SmartFinancial, Inc. ( NYSE:SMBK ) has announced that it will pay a dividend of $0.08 per share on the...Analysis Article • Nov 01
SmartFinancial's (NYSE:SMBK) Dividend Will Be $0.08
SmartFinancial, Inc. ( NYSE:SMBK ) will pay a dividend of $0.08 on the 27th of November. This payment means the...
New Narrative • Sep 24
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.Analysis Article • Apr 29
SmartFinancial's (NYSE:SMBK) Dividend Will Be $0.08
SmartFinancial, Inc. ( NYSE:SMBK ) has announced that it will pay a dividend of $0.08 per share on the 28th of May...Analysis Article • Nov 03
SmartFinancial (NASDAQ:SMBK) Has Announced A Dividend Of $0.08
SmartFinancial, Inc.'s ( NASDAQ:SMBK ) investors are due to receive a payment of $0.08 per share on 27th of November...Revenue & Expenses Breakdown
Revenue & Expenses Breakdown
How SmartFinancial makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Jun 26 | 204 | 57 | 111 | 0 |
| 31 Mar 26 | 197 | 53 | 109 | 0 |
| 31 Dec 25 | 193 | 50 | 109 | 0 |
| 30 Sep 25 | 188 | 46 | 109 | 0 |
| 30 Jun 25 | 179 | 42 | 107 | 0 |
| 31 Mar 25 | 172 | 38 | 104 | 0 |
| 31 Dec 24 | 166 | 36 | 101 | 0 |
| 30 Sep 24 | 159 | 33 | 98 | 0 |
| 30 Jun 24 | 149 | 26 | 95 | 0 |
| 31 Mar 24 | 148 | 26 | 94 | 0 |
| 31 Dec 23 | 149 | 29 | 93 | 0 |
| 30 Sep 23 | 156 | 35 | 92 | 0 |
| 30 Jun 23 | 167 | 45 | 91 | 0 |
| 31 Mar 23 | 167 | 46 | 90 | 0 |
| 31 Dec 22 | 161 | 43 | 88 | 0 |
| 30 Sep 22 | 153 | 37 | 86 | 0 |
| 30 Jun 22 | 147 | 35 | 82 | 0 |
| 31 Mar 22 | 140 | 33 | 78 | 0 |
| 31 Dec 21 | 136 | 35 | 72 | 0 |
| 30 Sep 21 | 131 | 37 | 67 | 0 |
| 30 Jun 21 | 123 | 34 | 64 | 0 |
| 31 Mar 21 | 117 | 31 | 61 | 0 |
| 31 Dec 20 | 108 | 24 | 60 | 0 |
| 30 Sep 20 | 99 | 22 | 57 | 0 |
| 30 Jun 20 | 94 | 22 | 54 | 0 |
| 31 Mar 20 | 90 | 25 | 51 | 0 |
| 31 Dec 19 | 89 | 27 | 49 | 0 |
| 30 Sep 19 | 89 | 26 | 46 | 0 |
| 30 Jun 19 | 86 | 25 | 45 | 0 |
| 31 Mar 19 | 85 | 19 | 44 | 0 |
| 31 Dec 18 | 80 | 18 | 42 | 0 |
| 30 Sep 18 | 75 | 12 | 40 | 0 |
| 30 Jun 18 | 67 | 9 | 37 | 0 |
| 31 Mar 18 | 57 | 7 | 33 | 0 |
| 31 Dec 17 | 51 | 5 | 30 | 0 |
| 30 Sep 17 | 45 | 6 | 27 | 0 |
| 30 Jun 17 | 43 | 6 | 26 | 0 |
| 31 Mar 17 | 42 | 5 | 26 | 0 |
| 31 Dec 16 | 42 | 5 | 26 | 0 |
| 30 Sep 16 | 41 | 5 | 26 | 0 |
| 30 Jun 16 | 37 | 3 | 25 | 0 |
| 31 Mar 16 | 31 | 2 | 22 | 0 |
| 31 Dec 15 | 26 | 1 | 19 | 0 |
| 30 Sep 15 | 21 | 1 | 17 | 0 |
Quality Earnings: SMBK has high quality earnings.
Growing Profit Margin: SMBK's current net profit margins (28.1%) are higher than last year (23.3%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: SMBK's earnings have grown by 7% per year over the past 5 years.
Accelerating Growth: SMBK's earnings growth over the past year (37.5%) exceeds its 5-year average (7% per year).
Earnings vs Industry: SMBK earnings growth over the past year (37.5%) exceeded the Banks industry 23.3%.
Return on Equity
High ROE: SMBK's Return on Equity (9.9%) is considered low.
Return on Assets
Return on Capital Employed
Discover strong past performing companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/09/09 13:02 |
| End of Day Share Price | 2026/09/09 00:00 |
| Earnings | 2026/06/30 |
| Annual Earnings | 2025/12/31 |
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 |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| 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
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Learn about the 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 7 analysts. 5 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 |
|---|---|
| Catherine Summerson Mealor | Keefe, Bruyette, & Woods |
| Stephen Scouten | Piper Sandler Companies |
| Michael Rose | Raymond James & Associates |