SMBK logo

SMARTFINANCIAL INC

SMBKNYSE
πŸ† #2508 by market capEarnings Jan 18US Equity
$49.07β–² $0.53 (+1.09%)
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24hβ–² 1.1%
7dβ–Ό 0.1%
14dβ–Ό 3.6%
30dβ–Ό 0.9%
ytdβ–² 32.9%
1yβ–² 39.6%
🏦Market Cap
$839M
Small Cap
πŸ“ˆRevenue Growth (YoY)
44.0%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
18.4%
Healthy
βš–οΈP/S Ratio
2.4x
Cheap
Otter Score
β€”
Insufficient data

Trading Snapshot

Day Range
$48.88 – $49.66
52-Week Range
$34.23 – $54.14
Volume (shares)
71,201
Avg Volume (shares)
β€”
Shares Outstanding
17.1M
Next Earnings
2027-01-18

Fundamentals Snapshot

Annual Revenue
$316M
Last Q Revenue
$90M
P/E Ratio
13.5
P/S Ratio
2.4x
EPS (TTM)
$3.68
Dividend Yield
0.67%
Dilution (1yr)
+0.3%
SMBK logo

SMARTFINANCIAL INC

SMBK
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$316Mβ–² +10.9% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
61.0%β–² +4.6% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$62Mβ–² +35.3% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$59Mβ–² +28.2% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
16.9Mβ–² +0.3% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$363Mβ–² +$37M YoY
StockOtter Β· stockotter.space

About SMARTFINANCIAL INC

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.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)

Insufficient data for all five components.

πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Insufficient data
β€”/100

Analyst Ratings

β“˜
Consensus
Buy
12 analysts
Strong Buy3
Buy4
Hold5
Sell0
Strong Sell0
Ratings as of Oct 2026

Latest News & Updates

PRNewsWireΒ·20h ago

Solink Raises $100+ Million in Fresh Funding: NYSE Content Update

NYSE issues a pre-market daily advisory direct from the trading floor. NEW YORK, Oct. 29, 2026 /PRNewswire/ -- The New York Stock Exchange (NYSE) provides a daily pre-market update directly from the NYSE Trading Floor.

The Motley FoolΒ·8d ago

SmartFinancial: 3 Key Takeaways for Long-Term Investors

SmartFinancial generated record operating revenue of $57.5 million in Q3 2026. Organic loan balances grew at an annualized rate of 15%.

Defense WorldΒ·9d ago

SmartFinancial (NASDAQ:SMBK) Stock Breaks Below Fifty Day Moving Average – Should You Sell?

SmartFinancial, Inc. (NASDAQ: SMBK - Get Free Report) crossed below its 50 day moving average during trading on Tuesday. The stock has a 50 day moving average of $51.00 and traded as low as $50.02. SmartFinancial shares

Seeking AlphaΒ·9d ago

SmartFinancial, Inc. (SMBK) Q3 2026 Earnings Call Transcript

SmartFinancial, Inc. ( SMBK ) Q3 2026 Earnings Call October 20, 2026 10:00 AM EDT Company Participants Nate Strall - VP and Director of Strategy & Corporate Development William Carroll - President, CEO & Director Ronald

Zacks Investment ResearchΒ·10d ago

SmarFinancial (SMBK) Reports Q3 Earnings: What Key Metrics Have to Say

The headline numbers for SmarFinancial (SMBK) give insight into how the company performed in the quarter ended September 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the

Zacks Investment ResearchΒ·10d ago

SmarFinancial (SMBK) Q3 Earnings and Revenues Surpass Estimates

SmarFinancial (SMBK) came out with quarterly earnings of $1.1 per share, beating the Zacks Consensus Estimate of $0.96 per share. This compares to earnings of $0.86 per share a year ago.