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

SmartFinancial Metrics

BasicAdvanced
$609M
14.48
$2.47
0.76
$0.32
0.89%

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.
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.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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