SmartFinancial/$SMBK
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Capital at risk
About SmartFinancial
SmartFinancial Inc operates as a bank holding company for SmartBank. It offers various banking and financial services to individuals and corporate customers. The principal business of the Bank consists of attracting deposits from the general public and investing those funds, together with funds generated from operations and from principal and interest payments on loans, mainly in commercial loans, commercial and residential real estate loans, consumer loans, and residential and commercial construction loans. The primary source of revenue is interest income from earning assets, namely loans and securities.
- Ticker
- $SMBK
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 585
- Headquarters
- Knoxville, United States
- Website
- www.smartbank.com
SmartFinancial Metrics
BasicAdvanced
$884M
15.25
$3.39
0.69
$0.34
0.70%
Price and volume
Market cap
$884M
Beta
0.69
52-week high
$54.14
52-week low
$33.01
Average daily volume
111K
Dividend rate
$0.34
Financial strength
Dividend payout ratio (TTM)
9.82%
Profitability
Net profit margin (TTM)
28.11%
Operating margin (TTM)
39.85%
Effective tax rate (TTM)
19.14%
Revenue per employee (TTM)
$350,000
Management effectiveness
Return on assets (TTM)
0.99%
Return on equity (TTM)
10.47%
Valuation
Price to earnings (TTM)
15.248
Price to revenue (TTM)
4.254
Price to book
1.53
Price to tangible book (TTM)
1.83
Price to free cash flow (TTM)
13.29
Free cash flow yield (TTM)
7.52%
Free cash flow per share (TTM)
3.889
Dividend yield (TTM)
0.66%
Forward dividend yield
0.70%
Growth
Revenue change (TTM)
14.10%
Earnings per share change (TTM)
37.23%
3-year revenue growth (CAGR)
6.96%
3-year earnings per share growth (CAGR)
8.56%
10-year earnings per share growth (CAGR)
19.99%
3-year dividend per share growth (CAGR)
3.23%
Bulls say / Bears say
SmartFinancial generated net income of $16.3 million, or $0.96 per diluted common share, in Q2 2026, a 39% year-over-year increase and 19% sequential gain, underscoring accelerating profitability. (SEC EDGAR)
Net organic loan and lease growth of $165 million in Q2 2026 represented a 15% annualized quarter-over-quarter increase, reflecting robust loan demand. (SEC EDGAR)
Tangible book value per common share grew at a 13% annualized pace quarter-over-quarter in Q2 2026, highlighting enhanced shareholder value creation. (SEC EDGAR)
The cost of total deposits for Q2 2026 rose to 2.15% from 2.12% in Q1 2026, signaling rising funding costs that may pressure net interest margins. (SEC EDGAR)
Noninterest expense increased sequentially to $33.96 million in Q2 2026 from $32.92 million in Q1 2026, up 3.1%, indicating rising operating expenses. (BusinessWire)
Noninterest income declined by $1.0 million year-over-year in Q2 2026, reducing fee-based revenue diversity. (SEC EDGAR)
Data summarised monthly by Lightyear AI. Last updated on 8 Sept 2026.
Upcoming events
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SmartFinancial News
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Funds containing SmartFinancial
Fund name | Fund size | $SMBK weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.03% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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