SMARTFINANCIAL INC.
SMBKNYSE
$48.15
↓ -1.0%Jul 17 close · end-of-day
Price
1Y↑ +36.6%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$815.4M
Enterprise Value
$472.6M
P/E
15.4
P/S
—
P/B
1.5
EV/EBITDA
—
PEG
2.9
FCF Yield
6.9%
Dividend Yield
0.7%
Revenue (TTM)
—
Net Income (TTM)
—
Free Cash Flow (TTM)
$56.1M
Gross Margin
—
Operating Margin
—
Net Margin
—
ROE
—
ROIC
—
Debt / Equity
0.0
Net Cash
$342.9M
Return 1Y
+34.7%
Company profile
SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers. The company offers noninterest-bearing and interest-bearing demand, savings, money market, time deposit, individual retirement accounts. As of March 1, 2022, SmartFinancial had 41 full-service branches and 2 loan production offices in East and Middle Tennessee, Alabama, and Florida Panhandle.
- CEO
- William Y. Carroll
- Sector
- Finance, Insurance, And Real Estate
- Industry
- Banking
- Employees
- 550
- Headquarters
- Tennessee
- Website
- smartbank.com
Management & directors
- Jordan Rhett D.EVP & CHIEF CREDIT OFFICER
- Boyd Rebecca CCPO - CHIEF PEOPLE OFFICER
- Cain Cynthia ACAO - CHIEF ACCOUNTING OFFICER
- Carroll William Young Jr.PRESIDENT AND CEO
- Gorczynski Ronald JEVP & CHIEF FINANCIAL OFFICER
- Schrodt Martin EEVP, Chief Banking Officer
- Trumpp Jarrod MChief Risk Officer
- Welborn Wesley MillerCHAIRMAN OF THE BOARD
Roles derived from SEC Form 4 filings.
Earnings
SMBK Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue——
Diluted EPS$0.81↑ +20.9%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $24.3M | $34.8M | $43.0M | $28.6M | $36.1M | $50.3M |
| Diluted EPS | $1.62 | $2.22 | $2.55 | $1.69 | $2.14 | $2.98 |
| Operating cash flow | $29.1M | $46.2M | $56.8M | $39.7M | $52.7M | $61.7M |
| Free cash flow | $23.6M | $43.8M | $44.3M | $33.4M | $46.3M | $59.3M |
| Gross margin | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — |
| Net margin | — | — | — | — | — | — |
| Line item | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| Net income | $8.0M | $9.1M | $9.6M | — | — | — | — | — |
| Diluted EPS | $0.48 | $0.54 | $0.57 | $0.67 | $0.69 | $0.81 | $0.81 | $0.81 |
| Operating cash flow | $16.5M | $12.4M | $16.7M | $14.3M | $14.0M | $16.9M | $16.5M | $16.4M |
| Free cash flow | $15.4M | $11.3M | $15.4M | $13.4M | $13.2M | $16.6M | $16.2M | $10.2M |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — |
| Net margin | — | — | — | — | — | — | — | — |
Company news
May 11, 2026
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-06-12 | Jordan Rhett D.· EVP & CHIEF CREDIT OFFICER | Sale | 400 | $45.00 | $18,000.00 | filing |
| 2026-06-10 | Barrett Victor Lynn | Buy | 3,000 | $43.78 | $131,340.00 | filing |
| 2026-06-04 | Ackermann Cathy G | Buy | 3,000 | $42.12 | $126,360.00 | filing |
| 2026-05-19 | Wolpert Geoffrey Alan | Gift | 31,118 | $0.00 | $0.00 | filing |
| 2026-05-19 | Wolpert Geoffrey Alan | Gift | 31,118 | $0.00 | $0.00 | filing |
| 2026-05-18 | Wolpert Geoffrey Alan | Gift | 24,849 | $0.00 | $0.00 | filing |
| 2026-05-04 | Shomaker Kelli D | Buy | 290 | $41.30 | $11,977.00 | filing |
| 2026-05-01 | Wolpert Geoffrey Alan | Gift | 23,721 | $0.00 | $0.00 | filing |
| 2026-05-01 | Wolpert Geoffrey Alan | Gift | 23,721 | $0.00 | $0.00 | filing |
| 2026-04-24 | Jordan Rhett D.· EVP & CHIEF CREDIT OFFICER | Sale | 500 | $41.85 | $20,925.00 | filing |
| 2026-03-10 | Boyd Rebecca C· CPO - CHIEF PEOPLE OFFICER | Award | 1,913 | $0.00 | $0.00 | filing |
| 2026-03-10 | Schrodt Martin E· EVP, Chief Banking Officer | Award | 1,998 | $0.00 | $0.00 | filing |
| 2026-03-10 | Trumpp Jarrod M· Chief Risk Officer | Award | 990 | $0.00 | $0.00 | filing |
| 2026-03-10 | Cain Cynthia A· CAO - CHIEF ACCOUNTING OFFICER | Award | 2,052 | $0.00 | $0.00 | filing |
| 2026-03-10 | Jordan Rhett D.· EVP & CHIEF CREDIT OFFICER | Award | 3,414 | $0.00 | $0.00 | filing |
| 2026-03-10 | Gorczynski Ronald J· EVP & CHIEF FINANCIAL OFFICER | Award | 3,752 | $0.00 | $0.00 | filing |
| 2026-03-10 | Welborn Wesley Miller· CHAIRMAN OF THE BOARD | Award | 3,542 | $0.00 | $0.00 | filing |
| 2026-03-10 | Carroll William Young Jr.· PRESIDENT AND CEO | Award | 9,450 | $0.00 | $0.00 | filing |
| 2026-02-09 | Welborn Wesley Miller· CHAIRMAN OF THE BOARD | Buy | 835 | $43.13 | $36,013.55 | filing |
| 2026-01-29 | Ackermann Cathy G | Award | 808 | $0.00 | $0.00 | filing |
| 2026-01-29 | Wolpert Geoffrey Alan | Award | 808 | $0.00 | $0.00 | filing |
| 2026-01-29 | Whaley Keith Edward | Award | 808 | $0.00 | $0.00 | filing |
| 2026-01-29 | Tucker Steven B. | Award | 808 | $0.00 | $0.00 | filing |
| 2026-01-29 | Shomaker Kelli D | Award | 808 | $0.00 | $0.00 | filing |
| 2026-01-29 | Ogle David Austin | Award | 808 | $0.00 | $0.00 | filing |
Showing the latest 25 transactions — full history in the linked SEC filings.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.