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NYSEFinancial ServicesBanks - Regional
Latest quote
$51.87
+$0.03 · +0.06%
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.
Previous close
$51.87
+$0.03 · +0.06%
Pre-market
$51.82
−$0.05 · -0.10%
Sep 8, 7:26 AM ET
Regular session · ET · Market data may be delayed.
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.
Day range
Current $51.87
52-week range
Current $51.87
Regular session · ET · Market data may be delayed.
GoAI Score
Buy
Valuation
69
Undervalued
Sentiment
68
Bullish
Risk
25
Moderate Risk
Momentum
58
Neutral
Full GoAI research
Thesis, catalysts, evidence, and risk analysis.
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.
Day range
Current $51.87
52-week range
Current $51.87
Profitability as a percentage of reported revenue.
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 316.37M USD | 285.27M USD | 240.37M USD | 186.55M USD | 149.18M USD |
| Cost of goods sold | 123.48M USD | 118.92M USD | 90.99M USD | 25.35M USD | 13.47M USD |
| Gross profit | 192.88M USD | 166.35M USD | 149.38M USD | 161.2M USD | 135.71M USD |
| Selling, general, and administrative | 94.56M USD | 76.81M USD | 70.25M USD | 67.39M USD | 54.32M USD |
| Operating expenses | 131.38M USD | 120.89M USD | 113.15M USD | 106.29M USD | 91.39M USD |
| Interest income | 285.97M USD | 251.12M USD | 218.04M USD | 158.83M USD | 125.23M USD |
| Interest expense | 119.87M USD | 113.77M USD | 87.96M USD | 21.33M USD | 11.84M USD |
| Depreciation and amortization | 8.43M USD | 11.42M USD | 13.5M USD | 12.64M USD | 9M USD |
| Operating income | 61.5M USD | 45.46M USD | 36.23M USD | 54.91M USD | 44.32M USD |
| Net income | 50.35M USD | 36.14M USD | 28.59M USD | 43.02M USD | 34.79M USD |
Company facts updated Sep 8, 2026.
Reported history and fiscal-year consensus
Reported history and fiscal-year consensus
Third-party consensus; not a GoAI recommendation.
Average target
$53.00
2.18% upsidePrice history unavailable
High $58.00Average $53.00Low $47.00Cash distributions grouped by calendar year; partial years are marked.
$0.32
2025 complete year+33.3% since 2021
2026 partial: $0.26
$0.24
2,021
$0.28
2,022
$0.32
2,023
$0.32
2,024
$0.32
2,025
$0.26
2,026*
* Partial calendar year in the available dividend history.
| Action | Ex-dividend date | Details | Record date | Payment date |
|---|---|---|---|---|
Dividend | Jul 31, 2026 | $0.09Quarterly | Jul 31, 2026 | Aug 17, 2026 |
Dividend | May 15, 2026 | $0.09Quarterly | May 15, 2026 | Jun 1, 2026 |
Dividend | Feb 13, 2026 | $0.08Quarterly | Feb 13, 2026 | Mar 2, 2026 |
Dividend | Nov 17, 2025 | $0.08Quarterly | Nov 17, 2025 | Dec 2, 2025 |
Dividend | Aug 8, 2025 | $0.08Quarterly | Aug 8, 2025 | Aug 25, 2025 |
Dividend | May 2, 2025 | $0.08Quarterly | May 2, 2025 | May 19, 2025 |
Ex-dividend Jul 31, 2026
$0.09
Quarterly
Record Jul 31, 2026 · Payment Aug 17, 2026
Ex-dividend May 15, 2026
$0.09
Quarterly
Record May 15, 2026 · Payment Jun 1, 2026
Ex-dividend Feb 13, 2026
$0.08
Quarterly
Record Feb 13, 2026 · Payment Mar 2, 2026
Ex-dividend Nov 17, 2025
$0.08
Quarterly
Record Nov 17, 2025 · Payment Dec 2, 2025
Ex-dividend Aug 8, 2025
$0.08
Quarterly
Record Aug 8, 2025 · Payment Aug 25, 2025
Ex-dividend May 2, 2025
$0.08
Quarterly
Record May 2, 2025 · Payment May 19, 2025
Funds reporting this stock among their holdings, ordered by reported position size.
Vanguard Morningstar Total Stock Market ETFVTI26.35M0.00%2.3T USD0.03%$379.73-0.32%
Avantis U.S. Small Cap Value ETFAVUV22.11M0.07%31.86B USD0.25%$126.93+0.52%
iShares Russell 2000 ETFIWM20.86M0.03%80.51B USD0.19%$296.01+0.28%
Vanguard Extended Market ETFVXF9M0.01%93.7B USD0.05%$242.66+0.14%
iShares Russell 2000 Value ETFIWN6.61M0.05%14.61B USD0.24%$224.62+0.40%
State Street SPDR S&P Regional Banking ETFKRE4.67M0.11%4.32B USD0.35%$75.27+0.53%
Vanguard Russell 2000 ETFVTWO4.58M0.03%17.4B USD0.06%$119.62+0.25%
Dimensional - US Targeted Value ETFDFAT4.37M0.03%14.9B USD0.28%$71.82+0.38%Vanguard Morningstar Total Stock Market ETFVTIAvantis U.S. Small Cap Value ETFAVUViShares Russell 2000 ETFIWMVanguard Extended Market ETFVXFiShares Russell 2000 Value ETFIWNState Street SPDR S&P Regional Banking ETFKREVanguard Russell 2000 ETFVTWODimensional - US Targeted Value ETFDFATAI-generated and delayed market data for informational and educational purposes only. Not investment advice.
