SmartFinancial, Inc. logo

SmartFinancial, Inc.

SMBK

NYSEFinancial ServicesBanks - Regional

Previous close

$51.04

+$0.09 · +0.18%

Aug 21, 4:00 PM ET

SMBK company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

69

Undervalued

Momentum

58

Neutral

Sentiment

68

Bullish

Risk resilience

75

Moderate Risk

Full GoAI research

Thesis, catalysts, evidence, and risk analysis.

View full GoAI research

AI-generated, informational only, and not investment advice.

Company profile

Company website

SmartFinancial, Inc. functions as the parent entity for SmartBank, which offers a broad spectrum of financial solutions to both individual clients and corporate entities. The company's operations are structured across distinct segments: Commercial Real Estate, Consumer Real Estate, Construction and Land Development, Commercial and Industrial, and a broader Consumer and Other division. Its suite of deposit products includes non-interest and interest-bearing checking accounts, interest-bearing demand accounts, savings and money market accounts, various time deposits, Individual Retirement Accounts (IRAs), and certificates of deposit (CDs). Additionally, SmartFinancial's lending portfolio encompasses financing for commercial and residential properties, consumer real estate, and construction and land development projects. It also extends commercial and financial loans, mortgage loans, direct consumer installment loans, educational and other revolving credit facilities, and provides overdraft services. Beyond these core offerings, the company delivers wealth management, insurance products, mortgage origination, and convenient digital banking services accessible via the internet and mobile devices. As of March 1, 2022, SmartFinancial maintained a significant regional footprint, operating 41 full-service branches and two dedicated loan production offices across East and Middle Tennessee, Alabama, and the Florida Panhandle. The corporate headquarters are located in Knoxville, Tennessee.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
William Young Carroll Jr.
Listed since
Oct 7, 2003
Employees
585

Market position

Day range

Current $51.04

52-week range

Current $51.04

Open
$51.20
Previous close
$50.95
Volume
127.13K
1.24× average
Average volume
102.63K
Average daily volume
Market cap
872.71M USD
Beta
0.69
Market reference 1
50-day average
$48.9428
+4.29% above average
200-day average
$41.8863
+21.85% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
258.24M USD
P/E (TTM)
14.92×
P/B (TTM)
1.49×
P/S (TTM)
2.64×
EV / EBITDA
3.69×
Earnings yield
8.11%
Free cash flow yield
9.55%
Dividend yield
0.67%

Profitability & efficiency

Gross margin
62.96%
Operating margin
21.43%
Net margin
17.33%
Return on equity
9.11%
Return on assets
0.86%
Return on invested capital
7.11%

Financial health

Debt / equity
0.19×
Current ratio
0.22×

Earnings

EPS beat rate
82%
9 beats, 1 miss, 1 met estimate
Average EPS surprise
+10.32%
11 comparable reports
Latest EPS result
0.96
Estimate 0.9 · Beat by 6.43%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates10.820.640.46Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26MetQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 21, 2025: actual 0.57, estimate 0.5, surprise +14.00%, Beat. Q2 2025, reported Apr 21, 2025: actual 0.67, estimate 0.55, surprise +21.82%, Beat. Q3 2025, reported Jul 21, 2025: actual 0.69, estimate 0.66, surprise +4.55%, Beat. Q4 2025, reported Oct 21, 2025: actual 0.86, estimate 0.73, surprise +17.81%, Beat. Q1 2026, reported Jan 20, 2026: actual 0.81, estimate 0.8, surprise +1.25%, Beat. Q2 2026, reported Apr 20, 2026: actual 0.81, estimate 0.81, surprise 0.00%, Met estimate. Q3 2026, reported Jul 20, 2026: actual 0.96, estimate 0.902, surprise +6.43%, Beat. Q4 2026, reported Oct 20, 2026: actual —, estimate 0.96, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates59.86M54.06M48.26M42.46MQ1 '25BeatQ2 '25BeatQ3 '25MissQ4 '25MissQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 21, 2025: actual 46.75M USD, estimate 44.77M USD, surprise +4.43%, Beat. Q2 2025, reported Apr 21, 2025: actual 46.84M USD, estimate 46.23M USD, surprise +1.32%, Beat. Q3 2025, reported Jul 21, 2025: actual 49.24M USD, estimate 50.64M USD, surprise -2.77%, Miss. Q4 2025, reported Oct 21, 2025: actual 47.11M USD, estimate 51.95M USD, surprise -9.32%, Miss. Q1 2026, reported Jan 20, 2026: actual 53.31M USD, estimate 51.39M USD, surprise +3.75%, Beat. Q2 2026, reported Apr 20, 2026: actual 53.82M USD, estimate 53.21M USD, surprise +1.14%, Beat. Q3 2026, reported Jul 20, 2026: actual 55.95M USD, estimate 55.74M USD, surprise +0.37%, Beat. Q4 2026, reported Oct 20, 2026: actual —, estimate 57.56M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

10 ratings
Strong buy110%
Buy330%
Hold660%
Sell00%
Strong sell00%

SMBK news

SMBK peers

ETFs holding SMBK

Funds reporting this stock among their holdings, ordered by reported position size.

Continue in GoAI

Research SMBK

research.disclaimer