SmartFinancial, Inc. (SMBK)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 52.40 $ — 97% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
8 of 10 Growth gemTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 19.3% passed
- More than 10% revenue growth is expected for the coming year 9.7% failed
- Share count grows by less than 3% a year 0.1% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 29.7% failed
- Gross margin at 40% or higher and without meaningful erosion 61.0% passed
- Goodwill from acquisitions does not grow faster than revenue 1.6% passed
- Net debt below twice EBITDA 1,041 m net cash passed
- Operating cash flow covers the profits of the last three years 39 m passed
- Return on capital at 15% or higher, or up versus two years ago 8.7% passed
- Insiders hold at least 10% or are net buyers 11.1% passed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Analysts & Price Target
The price target sits 1.9% below the current price.
- Consensus
- Hold
- Analyst Ratings
- 6
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 3.74 | 3.70 – 3.77 | 227 | 23.4% | 5 |
| 12/31/2027 | 4.18 | 4.00 – 4.40 | 248 | 11.9% | 6 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 0.96 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.57 | 56.10 | 75 | 15.40 | 12.80 | 17 | 15 |
| 2025: Q1 | 0.67 | 20.60 | 75 | 10.00 | 15.00 | 14 | 13 |
| 2025: Q2 | 0.69 | 46.00 | 78 | 13.70 | 14.90 | 14 | 13 |
| 2025: Q3 | 0.81 | 49.10 | 79 | 8.40 | 17.30 | 17 | 17 |
| 2025: Q4 | 0.81 | 41.70 | 84 | 11.60 | 16.30 | 17 | 14 |
| 2026: Q1 | 0.81 | 21.10 | 82 | 9.70 | 16.60 | 16 | 10 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 46 | 9 | 6 | 0.98 | 12 | 105 | 1,062 |
| 2017 | 56 | 11 | 5 | 0.57 | 1 | 206 | 1,721 |
| 2018 | 97 | 21 | 18 | 1.45 | 21 | 283 | 2,274 |
| 2019 | 115 | 33 | 27 | 1.89 | 30 | 313 | 2,449 |
| 2020 | 133 | 31 | 24 | 1.62 | 29 | 3,184 | 3,305 |
| 2021 | 149 | 44 | 35 | 2.22 | 46 | 429 | 4,612 |
| 2022 | 187 | 55 | 43 | 2.55 | 57 | 432 | 4,613 |
| 2023 | 240 | 36 | 29 | 1.69 | 40 | 460 | 4,829 |
| 2024 | 285 | 45 | 36 | 2.14 | 53 | 491 | 5,276 |
| 2025 | 316 | 62 | 50 | 2.98 | 62 | 552 | 5,861 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
SmartFinancial, Inc. ist die Bankholding der SmartBank, die verschiedene Finanzdienstleistungen für Privat- und Firmenkunden in den USA anbietet.
| Employees | 581 |
|---|---|
| Headquarters | Knoxville, TN |
| Address | 5401 Kingston Pike, 37919 Knoxville, United States |
| Phone | 865 437 5700 |
| Website | smartbank.com |
| IPO Date | 2. Jan 2001 |
| ISIN | US83190L2088 |
| Stock Split | 1:4 on 09/23/2015 |
Management
| Name | Title | Birth Year |
|---|---|---|
| William Young Carroll Jr. | President, CEO & Director | 1969 |
| Ronald J. Gorczynski CPA | Executive VP & CFO | 1966 |
| Rhett D. Jordan | Executive VP & Chief Credit Officer of SmartBank | 1972 |
| Cynthia A. Cain | Executive VP & Chief Operating Officer of SmartBank | 1973 |
| Nathan Strall | Head of Investor Relations | – |
| Kelley L. Fowler | Senior VP and Director of Marketing & Public Relations - SmartBank | – |
| Travis Lytle | Senior VP and Director of Community Development & Community Reinvestment Act Officer | – |
| Monty Hatcher AAMS, CFP | Executive Vice President | – |
| Robbie Washington | Senior VP, Community Reinvestment Act Officer & Director of HMDA | 1964 |
| Rebecca C. Boyd | Executive VP & Chief People Officer of SmartBank | 1981 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Insider Transactions
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 24. Apr 2026 | Rhett D Jordan | EVP | Sell | 500 | 41.85 | 20,925 |
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.
View all insider transactions →Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.