SmartFinancial, Inc. (SMBK)

Financial Services Banks - Regional

52.40 $

-0.5% vs. previous close

Closing price · As of: 31. Jul 2026

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Risk & Weakness

Beneish M-Score

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Basics

Market Cap

0.9$B

Shares Outstanding

17Mio.

Float

88.8%

Beta

0.7

Performance

Perf. 1M

13.00%

Perf. 3M

23.40%

Perf. 6M

24.70%

YTD Performance (%)

24.20%

52-Week-High Distance

-1.3%

Perf. 1Y

43.22%

Perf. 3Y

122.40%

Perf. 5Y

99.47%

Valuation

P/E

–

Forward P/E

13.7

PEG

–

P/B

–

P/S

2.7

EV/EBITDA

0.0

Price/FCF

16.4

Profitability

Gross Margin

100.0%

EBIT Margin

–

Net Margin

26.9%

Return on Equity

9.9%

Return on Assets

0.9%

Balance Sheet & Safety

Equity Ratio

–

Debt/Equity

–

Altman Z″

3.78

Piotroski

7 out of 9

Growth

Sales Growth Last Quarter

8.30%

EPS Growth Last Quarter

20.90%

Sales Growth (Year)

10.90%

Forward Sales Growth

9.70%

Forward EPS Growth

14.40%

Dividend

Dividend Yield

0.70%

Dividend Per Share (TTM)

0.42$

Payout Ratio

10.4%

Years Without a Cut

6Years

Increase Streak

0Years

Quality & Screener

Stage

RS Rating

EPS Rating

Piotroski

7 out of 9

Fundamental Rating

B (59 out of 100)

Altman Z″

3.78

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

Analysts & Price Target

Current Price 52.40 $

Price Target (average) 47.46 $

The price target sits 9.4% below the current price.

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.

Next Reporting Date

20. Oct 2026 · after the close · Q3 2026

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.

From To Indexed

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Sales Per Quarter ($M)

Source: fundamental data

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Quarterly Figures

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

What Do These Terms Mean?

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.

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
Website	smartbank.com
IPO Date	2. Jan 2001

Management

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

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.

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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.