SmartFinancial, Inc.
SMBK
Positions held
Your positionsSMBK isn't in your positions.
Add it to see shares, cost, and P&L here.
Bull / bear case
Site-generated summary from fundamentals, news, and score — not investment advice. As of 2026-10-08.
- SmartFinancial, Inc. operates in a competitive regional banking sector, where it has been able to differentiate itself through strong revenue growth and profitability metrics.
- In the most recent quarter, SmartFinancial reported a revenue increase of 4% compared to the prior quarter, reaching $56 million.
- The company has shown a significant earnings growth of 39.1% year-over-year, indicating strong operational performance.
- The regional banking industry faces challenges from regulatory pressures and potential economic downturns that could impact loan growth and profitability.
- SmartFinancial's trailing P/E ratio is 15.12, which may suggest that the stock is overvalued compared to its peers in the industry.
- Despite recent growth, the company's net income for 2026-Q2 was $16.322 million, which may not sustain if economic conditions worsen.
Fundamentals
| Market cap | $855.95M | Enterprise value | $587.15M | Trailing P/E | 14.77 | Forward P/E | 11.96 |
| PEG | — | Price / book | 1.48 | Beta | 0.71 | Dividend yield | 0.68% |
| Revenue growth | 16.4% | Earnings growth | 39.1% | Gross margin | 0.0% | Operating margin | 41.7% |
| Profit margin | 28.1% | ROE | 10.5% | ROA | 1.0% | Debt / equity | — |
| Current ratio | — | Free cash flow | — | Analyst recommendation | buy | Mean target | $52.88 |
| 52w high | $54.14 | 52w low | $33.01 |
Quarterly
| 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | |
|---|---|---|---|---|---|
| Revenue | $56.0M | $53.8M | $53.3M | $47.1M | $49.2M |
| Op margin | — | — | — | — | — |
| Net income | $16.3M | $13.7M | $13.7M | $13.7M | $11.7M |
| Gross margin | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
- Revenue +4% vs prior quarter ($56M vs $54M).
Yearly (6y)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Revenue | $197M | $172M | $152M | $165M | — |
| Op margin | — | — | — | — | — |
| Net income | $50.3M | $36.1M | $28.6M | $43.0M | — |
| Gross margin | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
No flags
• No distress or material-risk keywords in recent headlines (keyword scan only — not a guarantee).
News
2026-10-05 · SmartFinancial Sets Dates for Third Quarter Earnings Release and Conference Call
2026-07-28 · ZVOX Strengthens U.S. Leadership Team with Appointment of Insurance Sales Veteran Al Garcia
2026-07-24 · SmartFinancial (SMBK) Stock Sees Fair Value Lift As Analysts Back Loan Growth And Margins
2026-07-22 · SmarFinancial (SMBK) Upgraded to Buy: What Does It Mean for the Stock?
2026-07-22 · Raymond James Raises Price Target on SmartFinancial to $58 From $50, Keeps Strong Buy Rating
2026-07-21 · SmartFinancial Inc (SMBK) Q2 2026 Earnings Call Highlights: Strong Loan Growth and Strategic ...
2026-07-21 · SmartFinancial, Inc. Q2 2026 Earnings Call Summary
2026-07-20 · SmarFinancial (SMBK) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates
2026-07-20 · SmarFinancial (SMBK) Surpasses Q2 Earnings and Revenue Estimates
2026-07-20 · SmartFinancial Q2 Operating Earnings, Revenue Rise
2026-07-20 · SmarFinancial: Q2 Earnings Snapshot
2026-07-20 · SmartFinancial Announces Results for the Second Quarter 2026, Regular Quarterly Cash Dividend
Price (daily)
Full chart · RSI · MACD · patterns