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
$816M
13.00
$3.67
0.71
$0.34
0.75%
Price and volume
Market cap
$816M
Beta
0.71
52-week high
$54.14
52-week low
$34.50
Average daily volume
121K
Dividend rate
$0.34
Financial strength
Profitability
Net profit margin (TTM)
29.65%
Operating margin (TTM)
40.06%
Effective tax rate (TTM)
16.33%
Revenue per employee (TTM)
$360,000
Management effectiveness
Return on assets (TTM)
1.03%
Return on equity (TTM)
11.13%
Valuation
Price to earnings (TTM)
13.005
Price to revenue (TTM)
3.818
Price to book
1.4
Price to tangible book (TTM)
1.67
Dividend yield (TTM)
0.71%
Forward dividend yield
0.75%
Growth
Revenue change (TTM)
11.68%
Earnings per share change (TTM)
33.95%
3-year revenue growth (CAGR)
10.50%
3-year earnings per share growth (CAGR)
20.46%
10-year earnings per share growth (CAGR)
17.20%
3-year dividend per share growth (CAGR)
3.13%
What the Analysts think about SmartFinancial
Analyst ratings (Buy, Hold, Sell) for SmartFinancial stock.
Analyst projections of the future price of SmartFinancial stock.
Bulls say / Bears say
Operating revenue reached a company record of $57.5 million in the third quarter, while diluted earnings per share rose to $1.10 from $0.81 a year earlier. This points to stronger earnings momentum, although a tax-credit benefit also supported the quarter. (SmartFinancial, Inc.)
Organic loans and leases grew by $174 million, or 15% annualised, while core deposits rose by $163 million, or 12% annualised. Growing both sides of the balance sheet gives the bank room to expand lending without relying solely on more costly external funding. (SmartFinancial, Inc.)
Net interest income rose by $1.3 million quarter on quarter despite margin pressure, as balance-sheet growth offset higher funding costs. Management expects loan repricing to support modest margin expansion over time. (The Motley Fool)
The tax-equivalent net interest margin fell to 3.45% from 3.52% as deposit costs climbed, and management expects the margin to stay around 3.45% in the fourth quarter. Continued deposit competition could limit earnings growth even as loans expand. (SmartFinancial, Inc., The Motley Fool)
Nonperforming loans rose to 0.28% of loans from 0.25% in the prior quarter, and management reported some equipment-finance delinquencies as higher diesel prices strained transport borrowers. That portfolio has also produced losses on repossessed equipment. (SmartFinancial, Inc., The Motley Fool)
Third-quarter earnings included a $2.6 million benefit from transferable energy tax credits, which may not recur on the same terms. The efficiency ratio also rose to 63% from 60%, reflecting equipment-related losses and professional fees that weighed on operating efficiency. (SmartFinancial, Inc., The Motley Fool)
Data summarised monthly by Lightyear AI. Last updated on 1 Nov 2026.
SmartFinancial Financial Performance
Revenues and expenses
SmartFinancial Earnings Performance
Company profitability
Upcoming events
SmartFinancial News
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Funds containing SmartFinancial
Fund name | Fund size | $SMBK weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.03% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 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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