SmartFinancial, Inc.(SMBK)Earnings, Financials & Key Ratios

SMBK•NASDAQ•Banking & Credit

$46.68

15.7× P/E·Price updated Jul 7, 2026

SectorFinancial Services IndustryRegional Banks Sub-IndustryCommercial and middle-market focused banks

AboutSmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers. It operates through Commercial Real Estate, Consumer Real Estate, Construction and Land Development, Commercial and Industrial, and Consumer and Other segments. The company offers noninterest-bearing and interest-bearing checking, interest-bearing demand, savings, money market, time deposit, individual retirement accounts, as well as certificates of deposit. It also provides commercial and residential real estate, consumer real estate, and construction and land development loans; commercial and financial loans; mortgage loans; and direct consumer installment loans, educational, and other revolving credit loans; and overdraft facilities. In addition, the company offers wealth management, insurance, mortgage origination, and Internet and mobile banking services. As of March 1, 2022, it had 41 full-service branches and 2 loan production offices in East and Middle Tennessee, Alabama, and the Florida Panhandle. The company is headquartered in Knoxville, Tennessee.Show more

Net Interest Income$166M+20.9%
Total Revenue$316M+10.9%
Net Income$50M+39.3%
Return on Equity9.65%+27.0%
Net Interest Margin2.83%+8.9%
Efficiency Ratio41.53%-2.0%
ROA0.9%+26.4%
Equity / Assets9.43%+1.2%
Book Value per Share32.65+12.1%

SMBK Price & Volume

SmartFinancial, Inc. (SMBK) stock price & volume — 10-year historical chart

Loading chart...

Strategic M&A Drives Asset Growth Amidst Margins

Investment Thesis • Updated 2026Q1

VerdictNeutral

Growth:Accelerating

Profitability:Moderate

Financial:Healthy

Cash Flow:Stable

Primary Risk:CRE concentration and migration

Key Thesis Takeaways

SmartFinancial has successfully scaled its asset base from $4.8 billion in 2023Q4 to $5.9 billion in 2026Q1 through an aggressive M&A-led strategy in the Southeast.
While the bank maintains operational discipline with an efficiency ratio as low as 37.8%, investors should monitor the stagnant net interest margin, which has remained range-bound between 0.6% and 0.8% over the last ten quarters.
Furthermore, the recent shift to zero provision expense warrants further investigation into the bank's forward-looking credit loss assumptions under the CECL framework.

Verdict Logic

while the bank demonstrates consistent asset growth to $5.9 billion, the stagnant net interest margin of 0.8% and potential risks masked by zero provision expense suggest a cautious valuation approach at a 1.47 P/B ratio.

SMBK Growth Metrics

SmartFinancial, Inc. (SMBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years26.89%

5 Years18.92%

3 Years19.25%

TTM-

Profit CAGR

10 Years42.01%

5 Years15.65%

3 Years5.38%

TTM38.74%

EPS CAGR

10 Years28.12%

5 Years12.96%

3 Years5.33%

TTM38.05%

Return on Capital

10 Years7.95%

5 Years8.46%

3 Years8.08%

Last Year9.56%

SMBK Recent Earnings

SmartFinancial, Inc. (SMBK) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

●Beat EPS 9/12 qtrs (82%)●Beat Revenue 8/12 qtrs (73%)

Q2 2026Latest

Apr 20, 2026

Metric

Actual

Est

EPS

$0.81+0.0%

$0.81

Rev

$54M+1.1%

$53M

Q2 2026

Mar 16, 2026

Metric

Actual

Est

EPS

$0.82+4.7%

$0.78

Rev

$84M+63.2%

$51M

Q1 2026

Jan 20, 2026

Metric

Actual

Est

EPS

$0.81+1.3%

$0.80

Rev

$53M+3.7%

$51M

Q4 2025

Oct 21, 2025

Metric

Actual

Est

EPS

$0.86+17.8%

$0.73

Rev

$47M-9.3%

$52M

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	Apr 20, 2026	$0.81vs $0.81+0.0%	$54Mvs $53M+1.1%
Q2 2026	Mar 16, 2026	$0.82vs $0.78+4.7%	$84Mvs $51M+63.2%
Q1 2026	Jan 20, 2026	$0.81vs $0.80+1.3%	$53Mvs $51M+3.7%
Q4 2025	Oct 21, 2025	$0.86vs $0.73+17.8%	$47Mvs $52M-9.3%

Based on last 12 quarters of dataView full earnings history →

Latest SMBK News

Recent stock market news and headlines for SmartFinancial, Inc. (SMBK)

Business Wire·1 day ago

SmartFinancial Sets Dates for Second Quarter Earnings Release and Conference Call

KNOXVILLE, Tenn.--(BUSINESS WIRE)--SmartFinancial, Inc. ("SmartFinancial") (NYSE: SMBK) announces details for the release of its results for the Second Quarter of 2026. SmartFinancial plans to issue its earnings release for the second quarter of 2026 on Monday, July 20, 2026, and will host a conference call on Tuesday, July 21, 2026, at 10:00 a.m. ET. To access this interactive teleconference, dial (833) 461-5787 and enter the Meeting ID: 208 155 555. A link to a replay of the conference call w.

Peers Comparison

Key metrics vs top competitors for SmartFinancial, Inc. (SMBK)

Full Screener →

Company	Price	Market Cap	P/E Ratio	Rev Growth (1Y)	Net Margin	ROE	Div Yield
SMBKSmartFinancial, Inc.Current	$46.68	$798.16M	15.66	10.9%	15.91%	9.65%	0.69%
SFBSServisFirst Bancshares, Inc.	$86.05	$4.7B	17.01	4.13%	29.04%	16.31%	—
HOMBHome Bancshares, Inc.	$28.66	$5.77B	11.89	-5.35%	34.84%	11.29%	—
SRCE1st Source Corporation	$81.71	$1.99B	12.65	5.2%	27.72%	12.39%	—
CADECadence Bank	$42.11	$7.85B	15.20	32.37%	18.65%	9.11%	—
HOPEHope Bancorp, Inc.	$13.35	$1.71B	29.02	-3.23%	6.82%	2.96%	—

Compare SMBK vs Peers

SmartFinancial, Inc. (SMBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs SFBS

Most directly comparable listed peer for SMBK.

Scale Benchmark

vs FISV

Larger-name benchmark to compare SMBK against a more recognizable public peer.

Peer Set

Compare Top 5

vs SFBS, HOMB, SRCE, CADE

SMBK SEC Filings & Documents

SmartFinancial, Inc. (SMBK) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

Material company update

May 22, 2026·SEC

Material company update

Apr 30, 2026·SEC

Material company update

Apr 20, 2026·SEC

10-K Annual Reports

FY 2026

Mar 16, 2026·SEC

FY 2025

Mar 17, 2025·SEC

FY 2024

Mar 15, 2024·SEC

10-Q Quarterly Reports

FY 2026

May 11, 2026·SEC

FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 11, 2025·SEC

Get notified when SMBK posts new earnings or crosses analyst targets

Free. No account needed. Unsubscribe any time.

SMBK Frequently Asked Questions

SmartFinancial, Inc. (SMBK) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

How fast is SmartFinancial, Inc. growing?

SmartFinancial, Inc. (SMBK) grew revenue by 10.9% over the past year. This is steady growth.

Is SMBK profitable?

Yes, SmartFinancial, Inc. (SMBK) is profitable, generating $52.8M in net income for fiscal year 2025 (15.9% net margin).

Dividend & Returns

Does SMBK pay dividends?

Yes, SmartFinancial, Inc. (SMBK) pays a dividend with a yield of 0.69%. This makes it attractive for income-focused investors.

What is SMBK's return on equity?

SmartFinancial, Inc. (SMBK) has a return on equity (ROE) of 9.6%. This is below average, suggesting room for improvement.

Industry Metrics

What is SmartFinancial, Inc.'s net interest margin?

SmartFinancial, Inc. (SMBK) has a net interest margin (NIM) of 2.8%. NIM has been under pressure due to interest rate environment.

What is SmartFinancial, Inc.'s efficiency ratio?

SmartFinancial, Inc. (SMBK) has an efficiency ratio of 41.5%. This is excellent, indicating strong cost control.

What if you invested $1,000 in SMBK back in 2001?

Total return calculator · dividends reinvested · 25+ years of data

See returns →

Quarter

Date

EPS (Act vs Est)

Revenue (Act vs Est)

Q2 2026Latest

Apr 20, 2026

$0.81vs $0.81+0.0%

$54Mvs $53M+1.1%

Q2 2026

Mar 16, 2026

$0.82vs $0.78+4.7%

$84Mvs $51M+63.2%

Q1 2026

Jan 20, 2026

$0.81vs $0.80+1.3%

$53Mvs $51M+3.7%

Q4 2025

Oct 21, 2025

$0.86vs $0.73+17.8%

$47Mvs $52M-9.3%

Company

Price

Market Cap

P/E Ratio

Rev Growth (1Y)

Net Margin

ROE

Div Yield

SMBKSmartFinancial, Inc.Current

$46.68

$798.16M

15.66

10.9%

15.91%

9.65%

0.69%

SFBSServisFirst Bancshares, Inc.

$86.05

$4.7B

17.01

4.13%

29.04%

16.31%

—

HOMBHome Bancshares, Inc.

$28.66

$5.77B

11.89

-5.35%

34.84%

11.29%

—

SRCE1st Source Corporation

$81.71

$1.99B

12.65

5.2%

27.72%

12.39%

—

CADECadence Bank

$42.11

$7.85B

15.20

32.37%

18.65%

9.11%

—

HOPEHope Bancorp, Inc.

$13.35

$1.71B

29.02

-3.23%

6.82%

2.96%

—