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
Employees
605
Headquarters
Website
SmartFinancial Metrics
BasicAdvanced
$601M
12.87
$2.74
0.79
$0.32
0.91%
Price and volume
Market cap
$601M
Beta
0.79
52-week high
$37.92
52-week low
$26.31
Average daily volume
67K
Dividend rate
$0.32
Financial strength
Profitability
Net profit margin (TTM)
24.59%
Operating margin (TTM)
36.23%
Effective tax rate (TTM)
19.05%
Revenue per employee (TTM)
$310,000
Management effectiveness
Return on assets (TTM)
0.87%
Return on equity (TTM)
9.01%
Valuation
Price to earnings (TTM)
12.872
Price to revenue (TTM)
3.142
Price to book
1.12
Price to tangible book (TTM)
1.36
Dividend yield (TTM)
0.91%
Forward dividend yield
0.91%
Growth
Revenue change (TTM)
18.22%
Earnings per share change (TTM)
41.99%
3-year revenue growth (CAGR)
7.03%
3-year earnings per share growth (CAGR)
7.98%
10-year earnings per share growth (CAGR)
33.52%
3-year dividend per share growth (CAGR)
5.83%
Bulls say / Bears say
Net income for Q2 2025 rose 46% year-over-year to $11.7 million, or $0.69 per share, marking five straight quarters of positive operating leverage.
Net organic loan and lease growth hit $132 million in Q2, representing a 13% annualized increase quarter-over-quarter, boosting interest income.
The efficiency ratio improved to 66% in Q2 2025 from 72% a year prior, demonstrating effective cost management and operating leverage.
The tax-equivalent net interest margin fell to 3.21% in Q1 2025 from 3.24% in Q4 2024, indicating margin pressure as funding costs rise.
Deposits grew at a 5% annualized rate in Q2 2025, lagging behind 13% loan growth, pushing the loan-to-deposit ratio to 85% and tightening liquidity.
Roughly 60% of loans and 63% of deposits are concentrated in Tennessee, leaving SmartFinancial exposed to economic risks in that region.
Data summarised monthly by Lightyear AI. Last updated on 4 Oct 2025.
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Upcoming events
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FAQs
What’s the current market cap for SmartFinancial stock?
SmartFinancial (SMBK) has a market cap of $601M as of October 31, 2025.
What is the P/E ratio for SmartFinancial stock?
The price to earnings (P/E) ratio for SmartFinancial (SMBK) stock is 12.87 as of October 31, 2025.
Does SmartFinancial stock pay dividends?
Yes, the SmartFinancial (SMBK) stock pays dividends to shareholders. As of October 31, 2025, the dividend rate is $0.32 and the yield is 0.91%. SmartFinancial has a payout ratio of 0% 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 0.79. 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.