SmartFinancial/$SMBK
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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
Primary listing
NYSE
Industry
Banks
Headquarters
Employees
605
ISIN
US83190L2088
Website
SmartFinancial Metrics
BasicAdvanced
$575M
14.95
$2.26
0.69
$0.32
0.95%
Price and volume
Market cap
$575M
Beta
0.69
52-week high
$35.03
52-week low
$26.31
Average daily volume
67K
Dividend rate
$0.32
Financial strength
Dividend payout ratio (TTM)
14.25%
Profitability
Net profit margin (TTM)
22.16%
Operating margin (TTM)
32.47%
Effective tax rate (TTM)
19.12%
Revenue per employee (TTM)
$280,000
Management effectiveness
Return on assets (TTM)
0.73%
Return on equity (TTM)
7.82%
Valuation
Price to earnings (TTM)
14.947
Price to revenue (TTM)
3.296
Price to book
1.14
Price to tangible book (TTM)
1.43
Price to free cash flow (TTM)
10.196
Free cash flow yield (TTM)
9.81%
Free cash flow per share (TTM)
331.32%
Dividend yield (TTM)
0.95%
Forward dividend yield
0.95%
Growth
Revenue change (TTM)
16.34%
Earnings per share change (TTM)
44.84%
3-year revenue growth (CAGR)
7.02%
3-year earnings per share growth (CAGR)
3.09%
10-year earnings per share growth (CAGR)
16.30%
3-year dividend per share growth (CAGR)
8.58%
Bulls say / Bears say
SmartFinancial reported a net income of $9.6 million for Q4 2024, marking a significant increase from the previous year, driven by a 13% year-over-year growth in loans and leases. (tipranks.com)
The company's net interest margin expanded to 3.24% in Q4 2024, indicating improved profitability from its lending activities. (gurufocus.com)
Analysts at Raymond James have reiterated a 'strong-buy' rating for SmartFinancial, raising the price target to $42, reflecting confidence in the company's growth prospects. (etfdailynews.com)
Keefe, Bruyette & Woods downgraded SmartFinancial's price target from $37.00 to $35.00, indicating concerns about the company's future performance. (etfdailynews.com)
Stephens downgraded SmartFinancial from an 'overweight' to an 'equal weight' rating, suggesting a more cautious outlook on the stock. (defenseworld.net)
The company's noninterest expenses increased to $30.8 million in Q3 2024, primarily due to performance-based incentives and new hires, which could impact profitability. (gurufocus.com)
Data summarised monthly by Lightyear AI. Last updated on 9 Jun 2025.
SmartFinancial News
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FAQs
What’s the current market cap for SmartFinancial stock?
SmartFinancial (SMBK) has a market cap of $575M as of July 02, 2025.
What is the P/E ratio for SmartFinancial stock?
The price to earnings (P/E) ratio for SmartFinancial (SMBK) stock is 14.95 as of July 02, 2025.
Does SmartFinancial stock pay dividends?
Yes, the SmartFinancial (SMBK) stock pays dividends to shareholders. As of July 02, 2025, the dividend rate is $0.32 and the yield is 0.95%. SmartFinancial has a payout ratio of 14.25% on a trailing twelve-month basis.
When is the next SmartFinancial dividend payment date?
The next SmartFinancial (SMBK) dividend payment date is unconfirmed.
What is the beta indicator for SmartFinancial?
SmartFinancial (SMBK) has a beta rating of 0.69. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.