SmartFinancial (SMBK) Stock Price

SmartFinancial Price

NASDAQ·CLOSED
50.30
-0.71 (-1.40 %)
Market closed

Over the last 19 years SmartFinancial grew revenue by 12.5% annually, reaching 196.50 M USD. Earnings per share have declined at 0.8% per year over the last 19 years. For SmartFinancial, the net margin of 25.6% is broadly stable versus 25.3% a few years ago. At today's price the dividend yield works out to roughly 0.64%. The payout ratio is around 11% of earnings. The consensus 12-month price target for SmartFinancial is 54.00 USD, about 7.4% above where the stock trades today. Of 12 analysts, 7 rate the stock a buy — an overall Buy consensus. SmartFinancial's share price has gained 38.0% over the last twelve months. The stock trades about 49% above its 52-week low.

SmartFinancial stock price

Volume
Ex-Dividend
Details

Stock Price

ⓘ

How to Read This Chart

This chart tracks the historical stock price of SmartFinancial over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how SmartFinancial stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing SmartFinancial's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

SmartFinancial Stock Price History
DateSmartFinancial Price
9/24/202650.30 USD
9/22/202651.01 USD
9/21/202651.77 USD
9/18/202651.16 USD
9/17/202651.95 USD
9/16/202651.98 USD
9/15/202652.19 USD
9/14/202652.08 USD
9/13/202652.29 USD
9/11/202651.82 USD
9/10/202651.55 USD
9/9/202650.87 USD
9/8/202651.46 USD
9/4/202651.87 USD
9/3/202651.84 USD
9/2/202650.93 USD
9/1/202650.00 USD
8/31/202650.55 USD
8/30/202650.59 USD
8/28/202650.86 USD
8/27/202650.55 USD
8/26/202650.68 USD
8/25/202650.85 USD
8/24/202651.45 USD
8/21/202651.04 USD
8/20/202650.95 USD
8/19/202651.19 USD
8/18/202651.85 USD
8/14/202652.78 USD
8/13/202652.57 USD
Access this data via the Eulerpool API

SmartFinancial Revenue, Pre-Provision Profit, Net Income

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Revenue
Pre-Provision Profit
Net Income
Details
Date
Revenue
Pre-Provision Profit
Net Income
Jan 1, 2020
116.29 M USD
30.89 M USD
24.33 M USD
Jan 1, 2021
137.34 M USD
45.94 M USD
34.79 M USD
Jan 1, 2022
165.22 M USD
58.92 M USD
43.02 M USD
Jan 1, 2023
152.41 M USD
39.25 M USD
28.59 M USD
Jan 1, 2024
171.50 M USD
50.61 M USD
36.14 M USD
Jan 1, 2025
196.50 M USD
65.29 M USD
50.35 M USD
Jan 1, 2026 (e)
226.75 M USD
0.00 USD
63.64 M USD
Jan 1, 2027 (e)
247.86 M USD
0.00 USD
71.36 M USD

SmartFinancial Income Statement, Balance Sheet, Cash Flow Statement

Last updated Sep 24, 2026, 11:00 PM
 
REVENUEM USD
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEM USD
Net Interest IncomeM USD
Non-Interest IncomeM USD
Loan Loss ProvisionsM USD
Pre-Provision Profit (PPOP)M USD
NET INCOMEM USD
NET INCOME GROWTH%
DIV.USD
DIV. GROWTH%
SHARESM
201220132014201520162017201820192020202120222023202420252026e2027e
20.0020.0021.0029.0045.0055.0096.00115.00133.00149.00186.00240.00285.00316.00226.00247.00
-4.76–5.0038.1055.1722.2274.5519.7915.6512.0324.8329.0318.7510.88-28.489.29
75.0080.0085.7186.2188.8989.0981.2576.5280.4590.6086.5662.0858.2560.7660.7660.76
15.0016.0018.0025.0040.0049.0078.0088.00107.00135.00161.00149.00166.00192.00137.32150.08
14.6014.9018.7025.0038.2646.3376.6483.88100.87113.39137.50130.08137.35166.10––
1.001.901.201.493.033.634.536.7215.4323.9527.7222.3334.1530.40––
0.400.300.400.900.800.802.902.60–1.604.003.035.157.75––
2.403.003.503.298.7910.8622.1727.4030.8945.9458.9239.2550.6165.29––
1.001.001.001.005.005.0018.0026.0024.0034.0043.0028.0036.0050.0063.0071.00
––––400.00–260.0044.44-7.6941.6726.47-34.8828.5738.8926.0012.70
–––––––0.200.200.300.280.400.320.320.350.38
–––––––––50.00-6.6742.86-20.00–9.378.57
1.631.661.666.046.2110.7113.6214.0715.1816.8516.8816.9216.8816.9216.9216.92
Details

Income Statement Key Figures

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Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales SmartFinancial generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue SmartFinancial retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare SmartFinancial's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares SmartFinancial has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against SmartFinancial's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

SmartFinancial stock margins

The SmartFinancial margin analysis displays the gross margin, EBIT margin, as well as the profit margin of SmartFinancial. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for SmartFinancial.
  • 3 Years

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  • Max

Cost-Income Ratio
Profit margin
Details
Date
Cost-Income Ratio
Profit margin
Jan 1, 2020
73.44 %
20.92 %
Jan 1, 2021
66.55 %
25.33 %
Jan 1, 2022
64.34 %
26.04 %
Jan 1, 2023
74.24 %
18.76 %
Jan 1, 2024
70.49 %
21.07 %
Jan 1, 2025
66.77 %
25.62 %
Jan 1, 2026 (e)
0.00 %
28.06 %
Jan 1, 2027 (e)
0.00 %
28.79 %

SmartFinancial Revenue per Share, Earnings per Share

The SmartFinancial earnings per share therefore indicates how much revenue SmartFinancial has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
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  • Max

Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2020
7.66 USD
1.60 USD
Jan 1, 2021
8.15 USD
2.07 USD
Jan 1, 2022
9.79 USD
2.55 USD
Jan 1, 2023
9.01 USD
1.69 USD
Jan 1, 2024
10.16 USD
2.14 USD
Jan 1, 2025
11.61 USD
2.98 USD
Jan 1, 2026 (e)
13.31 USD
3.74 USD
Jan 1, 2027 (e)
14.55 USD
4.19 USD

SmartFinancial business model & stock analysis

SmartFinancial Inc is a US-based financial services company founded in 1986. It is headquartered in Costa Mesa, California and offers a variety of financial services. The company's main goal is to help customers achieve their financial goals by providing them with the right financial instruments and services. Business Model The business model of SmartFinancial Inc is based on providing financial services and solutions tailored to the needs of individuals and businesses. The company offers a wide range of financial products and services, including insurance, loans, asset management, and investment services. Different Divisions of SmartFinancial Inc SmartFinancial Inc offers different divisions of financial products and services. These include, but are not limited to: 1. Insurance Customers can purchase various insurance policies through SmartFinancial Inc, including auto insurance, home insurance, liability insurance, life insurance, and health insurance. The company offers a wide range of insurance products to meet the individual needs of its customers. 2. Loans SmartFinancial Inc offers a variety of loans, including personal loans, mortgage loans, auto loans, and credit cards. The loans are tailored to the individual needs of customers and offered at competitive interest rates. 3. Asset Management The company provides asset management services to assist customers in managing their wealth. SmartFinancial Inc's asset management services include wealth planning, portfolio analysis, wealth growth, and tax planning, among others. 4. Investment Services SmartFinancial Inc offers investment services to help investors achieve their investment goals. The company offers a variety of investment options, including stocks, bonds, mutual funds, and ETFs. Products SmartFinancial Inc offers a wide range of financial products and services, including: 1. SmartAuto SmartAuto is an online car purchasing service that helps customers buy new or used cars. The service allows customers to search, compare, and purchase cars online, and offers a variety of financing options. 2. SmartCredit SmartCredit is an online credit portal that helps customers quickly apply for a loan as needed. The credit comparison service allows customers to compare different credit offers and select the best one based on their needs. 3. SmartRenters SmartRenters is an insurance service specifically designed for renters. The service offers customers affordable renters insurance with protection for personal property, liability insurance, and other important coverages. In summary, SmartFinancial Inc is a leading provider of financial services in the US. The company was founded with the goal of helping customers achieve their financial goals and offers a wide range of financial products and services to fulfill this mission. While the company is primarily known for its insurance offerings, it also provides a variety of loans, asset management services, and investment options. With innovative products like SmartAuto and SmartCredit, SmartFinancial Inc has revolutionized the online financial services industry and is a leading financial services provider in the US.

SmartFinancial SWOT Analysis

Strengths

SmartFinancial Inc possesses several key strengths that contribute to its success in the market. These strengths include:

  • A strong and experienced management team that brings valuable expertise and industry knowledge.
  • A solid financial position with healthy cash flow, allowing for strategic investments and growth opportunities.
  • An established brand reputation and customer trust, leading to a loyal customer base.
  • Efficient operational processes and advanced technology systems that improve productivity and customer experience.

Weaknesses

Despite its overall success, SmartFinancial Inc faces certain weaknesses that need to be addressed for sustained growth and competitiveness. These weaknesses include:

  • A limited geographical presence that constrains market reach and potential customer base.
  • Reliance on a few key customers or partnerships, making the business vulnerable to their decisions or economic challenges.
  • Higher operational costs compared to some competitors due to factors like outdated infrastructure or complex regulatory requirements.

Opportunities

SmartFinancial Inc has several opportunities available in the market that can be exploited to drive growth and gain a competitive edge. These opportunities include:

  • Expanding into new markets or geographical areas to tap into untapped customer segments and increase market share.
  • Developing strategic partnerships or acquisitions that allow for diversification or accessing new technologies and expertise.
  • Continuing to adapt and innovate in response to changing customer needs and technological advancements.

Threats

While SmartFinancial Inc has experienced success, it faces potential threats that could hinder its growth or profitability. These threats include:

  • Intense competition within the financial industry, including from established players as well as emerging fintech startups.
  • Economic downturns or financial crises that could impact customer spending and investment behavior.
  • Increasing regulatory scrutiny and compliance requirements that may add complexity and costs to operations.

SmartFinancial Employees

  • 3 Years

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  • Max

SmartFinancial Employees
Details
Date
SmartFinancial Employees
Jan 1, 2018
- Employees
Jan 1, 2019
- Employees
Jan 1, 2020
- Employees
Jan 1, 2021
- Employees
Jan 1, 2022
- Employees
Jan 1, 2023
- Employees
Jan 1, 2024
- Employees
Jan 1, 2025
- Employees

SmartFinancial Segments

SmartFinancial Eulerpool Fair Value

Details

Fair Value Estimate

ⓘ

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

SmartFinancial historical P/E ratio, EBIT multiple, and P/S ratio

SmartFinancial annual returns

Details

Annual Return

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What This Chart Shows

This chart breaks down SmartFinancial's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in SmartFinancial's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare SmartFinancial's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

SmartFinancial shares outstanding

The number of shares of SmartFinancial was 16.92 M in 2025. This indicates how many shares SmartFinancial is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
  • 3 Years

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  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2020
15.18 M Stocks
Jan 1, 2021
16.85 M Stocks
Jan 1, 2022
16.88 M Stocks
Jan 1, 2023
16.92 M Stocks
Jan 1, 2024
16.88 M Stocks
Jan 1, 2025
16.92 M Stocks
Jan 1, 2026 (e)
16.92 M Stocks
Jan 1, 2027 (e)
16.92 M Stocks

SmartFinancial stock splits

Since 2004, a total of 1.02816 shares have been converted from one SmartFinancial share.

DateRatioType
9/23/20154 : 1Reverse Stock Split
9/16/20091 : 1.02Stock Split
6/10/20091 : 1.008Stock Split
12/19/20061 : 2Stock Split
9/16/20041 : 2Stock Split

SmartFinancial Dividend History

15 years of dividend payments

YearAnnual DividendYoY ChangePayments
20260.26USDYTD—3×
Feb 13, 20260.08USD 0.0%1/3
May 15, 20260.09USD↑ 12.5%2/3
Jul 31, 20260.09USD 0.0%3/3
20250.32USD 0.0%4×
Jan 31, 20250.08USD 0.0%1/4
May 2, 20250.08USD 0.0%2/4
Aug 8, 20250.08USD 0.0%3/4
Nov 17, 20250.08USD 0.0%4/4
20240.32USD↓ 20.0%4×
20230.40USD↑ 42.9%5×
20220.28USD↓ 6.7%4×
20210.30USD↑ 50.0%5×
20200.20USD↑ 300.0%4×
20190.05USD↓ 87.2%1×
20090.39USD↓ 64.2%2×
20081.09USD↑ 27.3%4×

SmartFinancial dividend history and estimates

In 2025, SmartFinancial paid a dividend amounting to 0.32 USD. Dividend means that SmartFinancial distributes a portion of its profits to its owners.
  • Max

Dividend
Dividend (Estimate)
Details
Date
Dividend
Dividend (Estimate)
Jan 1, 2020
0.20 USD
0.00 USD
Jan 1, 2021
0.30 USD
0.00 USD
Jan 1, 2022
0.28 USD
0.00 USD
Jan 1, 2023
0.40 USD
0.00 USD
Jan 1, 2024
0.32 USD
0.00 USD
Jan 1, 2025
0.32 USD
0.00 USD
Jan 1, 2026 (e)
0.26 USD
0.09 USD
Jan 1, 2027 (e)
0.00 USD
0.38 USD

SmartFinancial dividend payout ratio

In 2025, SmartFinancial had a payout ratio of 10.76%. The payout ratio indicates the percentage of the company's profits that SmartFinancial distributes as dividends.
  • 3 Years

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  • Max

Payout ratio
Details
Date
Payout ratio
Jan 1, 2020
12.48 %
Jan 1, 2021
14.53 %
Jan 1, 2022
10.99 %
Jan 1, 2023
23.67 %
Jan 1, 2024
14.94 %
Jan 1, 2025
10.76 %
Jan 1, 2026 (e)
9.28 %
Jan 1, 2027 (e)
9.09 %

Current SmartFinancial forecasts and price targets in September 2026

Analyst Price Targets 2026
Δ MOM Price Target
0.00 %
Buy
58.33 % (7)
Hold
41.67 % (5)
Sell
0.00 % (0)
12M Price Target
54.00
Last Price
50.30
Currency
USD
12M Return Potential
7.36 %
LTM Return
38.00 %

SmartFinancial Analyst Rating Actions

DateFirmActionRatingReliability
8/18/2026
Benchmark
Benchmark
MaintainedBuy76
7/23/2026
Stephens & Co.
Stephens & Co.
MaintainedEqual Weight64
7/23/2026
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedMarket Perform53
7/22/2026
Benchmark
Benchmark
MaintainedBuy76
4/21/2026
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedMarket Perform53
11/4/2025
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedMarket Perform53
10/27/2025
Piper Sandler
Piper Sandler
MaintainedNeutral54
7/24/2025
Raymond James
Raymond James
MaintainedStrong Buy63
7/24/2025
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedMarket Perform53
4/24/2025
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedMarket Perform53

Eulerpool Reliability Score (0–100): measures how often a firm’s bullish or bearish calls were directionally correct three months later, blended with the average return following its calls. Every rating we record is stored permanently and scores update continuously; firms with fewer than 3 measured calls are not scored yet.

SmartFinancial Earnings Estimates & Surprises

DateEPS estimateEPS ActualRevenue EstimatePrice reactionQuarterly report
10/20/20260.96USD-57.69 MUSD-2026 Q3
7/20/20260.90USD0.96USD55.74 MUSD-2026 Q2
4/20/20260.81USD0.81USD53.21 MUSD-2026 Q1
1/20/20260.80USD0.81USD51.39 MUSD-2025 Q4
10/21/20250.73USD0.86USD51.95 MUSD-2025 Q3
7/21/20250.66USD0.69USD50.64 MUSD-2025 Q2
4/21/20250.55USD0.67USD46.23 MUSD-2025 Q1
1/21/20250.50USD0.57USD44.77 MUSD-2024 Q4
10/21/20240.47USD0.54USD42.37 MUSD-2024 Q3
7/22/20240.39USD0.46USD40.07 MUSD-2024 Q2

EESG©

Eulerpool ESG Scorecard© for the SmartFinancial stock

34/100
6
Environment
33
Social
65
Governance
E

Environment

Scope 1 - Direct Emissions—
Scope 2 - Indirect emissions from purchased energy—
Scope 3 - Indirect emissions within the value chain—
Total CO₂ emissions—
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather—
Pesticides—
Palm Oil—
Tobacco
Genetically modified organisms
Climate concept—
Sustainable forestry—
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency
S

Social

Percentage of female employees66
Percentage of women in management—
Percentage of Asian employees—
Share of Asian management—
Percentage of Hispanic/Latino employees—
Hispano/Latino Management share—
Percentage of Black employees—
Black Management Share—
Percentage of white employees—
White Management Share—
Adult content
Alcohol
Weapons—
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept—
Occupational health and safety
Catholic
G

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

SmartFinancial shareholder structure

% Name
8.62123%
BLACKROCK, INC.
BLACKROCK, INC.
4.90949%
DIMENSIONAL FUND ADVISORS LP
DIMENSIONAL FUND ADVISORS LP
3.99189%
VANGUARD CAPITAL MANAGEMENT LLC
VANGUARD CAPITAL MANAGEMENT LLC
3.49023%
WELLINGTON MANAGEMENT GROUP LLP
WELLINGTON MANAGEMENT GROUP LLP
2.68385%
STATE STREET CORP
STATE STREET CORP
2.63457%
AMERICAN CENTURY COMPANIES INC
AMERICAN CENTURY COMPANIES INC
...

SmartFinancial Beneficial Ownership Filings (SEC 13D/G)

Free Float
88.2%
Float Shares
15.08 M
Shares Outstanding
17.10 M
StakeHolderFiling
11.00%
Kenneth R. Lehman
Kenneth R. Lehman
SEC ↗
7.00%
(1) BlackRock, Inc.
(1) BlackRock, Inc.
SEC ↗
6.00%
BlackRock, Inc.
BlackRock, Inc.
SEC ↗
4.83%
The Vanguard Group
The Vanguard Group
SEC ↗
4.20%
LEHMAN KENNETH R
LEHMAN KENNETH R
SEC ↗
2.00%
Emanuel J. Friedman
Emanuel J. Friedman
SEC ↗
2.00%
EJF Sidecar Fund, Series LLC – Series E
EJF Sidecar Fund, Series LLC – Series E
SEC ↗
2.00%
EJF Capital LLC
EJF Capital LLC
SEC ↗
1.30%
Banc Fund VII L.P.
Banc Fund VII L.P.
SEC ↗
1.30%
Banc Fund IX L.P.
Banc Fund IX L.P.
SEC ↗

SmartFinancial Executives and Management Board

15 members · avg. age 63 · 27 % women

WC

Mr. William Carroll (56)

President, Chief Executive Officer, Director · since 2015

1.04 M USD

Management

RG

Mr. Ronald Gorczynski (59)

Chief Financial Officer, Executive Vice President of SmartFinancial and SmartBank

517,848.00 USD
RJ

Mr. Rhett Jordan (54)

Executive Vice President, Chief Credit Officer of SmartBank

474,926.00 USD
CC

Mrs. Cynthia Cain (52)

Executive Vice President, Chief Accounting Officer of SmartBank

413,356.00 USD
RB

Ms. Rebecca Boyd (44)

Executive Vice President , Chief People Officer of SmartBank

–
MS

Mr. Martin Schrodt (54)

Executive Vice President, Chief Banking Officer of SmartBank

–

Board of Directors

WW

Mr. Wesley Welborn (66)

Executive Chairman of the Board · since 2005

577,861.00 USD
WC

Mr. William Carroll (85)

Vice Chairman of the Board

251,786.00 USD
DO

Mr. David Ogle (67)

Lead Independent Director

105,000.00 USD
VB

Mr. Victor Barrett (72)

Independent Director

99,000.00 USD
GW

Mr. Geoffrey Wolpert (69)

Independent Director

87,000.00 USD
ST

Mr. Steven Tucker (72)

Independent Director

83,000.00 USD

Frequently asked questions about SmartFinancial

SmartFinancial Inc is a leading financial holding company that operates through its subsidiary SmartBank. The company primarily focuses on providing a wide range of financial services to individuals and small businesses. SmartBank offers various banking services such as checking and savings accounts, loans, mortgages, and wealth management. SmartFinancial Inc emphasizes fostering long-term relationships with its customers by delivering personalized solutions and exceptional customer service. The company's strong commitment to innovation and growth has positioned it as a trusted financial partner in the communities it serves. SmartFinancial Inc ensures the financial well-being of its customers through its diversified business model and dedication to excellence.

SmartFinancial Inc is primarily active in the banking and financial services industry.

The main competitors of SmartFinancial Inc in the market are other financial institutions operating in the same industry. These competitors include banks, credit unions, and other financial services companies that offer similar products and services to customers. Some notable competitors of SmartFinancial Inc are Bank of America, Wells Fargo, JPMorgan Chase, and Citigroup.

SmartFinancial Inc is a leading financial services company with a rich history and diverse background. Established in (year), SmartFinancial Inc has been at the forefront of providing innovative solutions in the financial sector. The company has consistently focused on delivering exceptional services, building strong customer relationships, and driving growth across various markets. With a commitment to excellence, SmartFinancial Inc has become synonymous with trust, reliability, and success in the industry. Through strategic acquisitions and organic growth, the company has expanded its presence and diversified its offerings, further cementing its position as a trusted and respected financial institution.

SmartFinancial Inc, a leading financial holding company, has achieved several significant milestones throughout its journey. The company successfully completed the acquisition of Progressive Financial Group Inc, establishing a stronger market presence. Furthermore, SmartFinancial Inc received an S&P Global Market Intelligence ranking as one of the top-performing community banks in the US. This recognition highlights the company's commitment to excellence and financial stability. Additionally, SmartFinancial Inc's consistent growth in stock value and shareholder returns showcases its ability to generate value for investors. By continually expanding its product offerings and delivering exceptional customer service, SmartFinancial Inc has become a trusted and respected player in the financial industry.

SmartFinancial Inc is primarily present in the United States.

SmartFinancial Inc represents a set of core values and a corporate philosophy that shapes its operations. The company places a strong emphasis on integrity, transparency, and customer-centricity. Its commitment to providing exceptional financial services with utmost honesty and ethical behavior sets it apart. SmartFinancial Inc aims to build lasting relationships with its customers by delivering personalized solutions that cater to their unique needs. The company actively promotes teamwork, innovation, and continuous improvement, fostering an environment that encourages employees to excel. By putting customers first and upholding their values, SmartFinancial Inc strives to be a trusted partner in financial success.

Analysts currently set an average price target of 53.00 USD for the SmartFinancial stock (median: 54.00 USD), implying +6.2 % versus the latest price. The consensus is based on 12 analyst ratings.

12 analysts currently rate the SmartFinancial stock: 7 recommend buying, 5 holding and 0 selling. For 2026, analysts expect SmartFinancial to generate revenue of 226.75 M USD and earnings per share of 3.76 USD.

Converted at the current exchange rate, the SmartFinancial share trades at 44.13 EUR (50.30 USD).

The SmartFinancial share (SMBK) is listed on 1 stock exchanges, including: NASDAQ (SMBK).

SmartFinancial Inc is a US-based financial technology company that was founded in 2012. The company offers various online products and services related to insurance and finance to its customers in the USA. This includes insurance comparison services, insurance quotes, financial education resources, and other online tools. The company is divided into several sectors, including auto, home, life, and health insurance. In each of these sectors, SmartFinancial collaborates with different insurance companies and brokers to provide its customers with a wide range of insurance offerings. The majority of SmartFinancial's business involves offering customers online insurance comparison services. Customers can simply enter their personal data and information about the item to be insured, and SmartFinancial then calculates a list of insurance quotes based on the customer's individual needs. The insurance quotes offered include various coverages and policies that meet the customers' needs. Through the comparison services, SmartFinancial can help its customers find insurance that suits their individual needs while offering the best prices. In addition to insurance quotes, SmartFinancial also offers financial education resources and other online tools. These resources help customers expand their financial knowledge and make better decisions regarding insurance and other financial matters. This aims to make customers better informed and make their insurance decisions on more solid foundations. To improve its customer service, SmartFinancial also offers various online tools designed to enhance customer support. This includes an online support function that assists customers with questions and issues. Additionally, customers can manage their insurance policies and financial products online, saving time and costs and streamlining the process. SmartFinancial's business model is designed to provide customers with the best possible service and the most comprehensive coverage. By collaborating with multiple insurance companies, the company can offer a variety of products and services tailored to the individual needs of customers. Overall, SmartFinancial provides a user-friendly and convenient way for customers to compare and purchase insurance. Through its extensive resources and online tools, customers are expected to be better informed about their financial decisions and have better control over their finances.

The expected revenue of SmartFinancial is 226.75 M USD. This figure is based on current financial data and reflects the company's business performance.

The expected profit of SmartFinancial is 63.64 M USD. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of SmartFinancial is currently 13.38. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the SmartFinancial stock.

The price-to-sales ratio (P/S) of SmartFinancial is currently 3.75. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the SmartFinancial stock.

The Eulerpool Quality Score for SmartFinancial is 6/10.

The ISIN of SmartFinancial is US83190L2088. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of SmartFinancial is A140QS. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of SmartFinancial is SMBK. The ticker symbol is used to trade SmartFinancial shares on the stock exchange.

Over the past 12 months, SmartFinancial paid a dividend of 0.32 USD . This corresponds to a dividend yield of about 0.64 %. For the coming 12 months, SmartFinancial is expected to pay a dividend of 0.38 USD.

The current dividend yield of SmartFinancial is 0.64 %.

SmartFinancial pays a dividend, distributed in the months of November, February, May, July.

SmartFinancial paid dividends every year for the past 7 years.

For the upcoming 12 months, dividends amounting to 0.38 USD are expected. This corresponds to a dividend yield of 0.75 %.

SmartFinancial is assigned to the 'Finance' sector.

In the year 2025, SmartFinancial distributed 0.32 USD as dividends.

The dividends of SmartFinancial are distributed in USD.

Fair ValuePRO
48.46 USD
Over-/UndervaluationPRO
Fairly valued
Sector
Industry
Banks
Number of shares
Employees
Revenue per Employee
338,209.98 USD
Revenue growth Ø5 years
EBIT growth Ø5 years
Net Income growth Ø5 years
Currency
USD
Initial public offering
Jun 21, 2001
ISIN
US83190L2088
Cusip
83190L208
Sedol
BYVYKX1
Market capitalization
868.70 M USDSmall Cap
52-Week Range
33.82–53.18USD
Revenue growth (10Y) > 5%
Revenue growth (3Y) > 5 %
EBIT growth (10Y) > 5%
EBIT growth (3Y) > 5 %
Net debt < 4x EBIT
Profitable since 10Y+
EBIT Drawdown (10Y) < 50%
Return on Equity (ROE) > 15%
ROCE > 15%
Return Expectation > 10%
PEG
—
P/E ratio
P/Ee 2026
13.65
P/Ee 2027
12.17
P/S
P/Se
3.81
EV/EBIT
8.23
P/B Ratio
1.57
ROE (Return on Equity)
ROA (Return on Assets)
ROCE (Return on Capital Employed)
ROIC (Return on Invested Capital)
7.70 %
Gross Margin
98.16 %
EBIT Margin
31.30 %
Net Margin
25.62 %
EPS (Earnings Per Share)
2.98 USD
Net Debt / EBIT
-5.90
Debt/Equity
0.18
Dividend
Dividend yield
0.63 %
Est. Dividend Yield
0.68 %
Payout Ratio
10.76 %
Dividend growth Ø5Y
1.30 %
Dividend payments per year
4
Dividend paid since
7 years
Dividend not reduced since
1 year
Dividend increased since
0 years
Dividend withholding tax
30.00 %
Last updated Sep 24, 2026, 11:00 PM

SmartFinancial Ticker

NASDAQ · SMBK

SmartFinancial FIGI

SMBK:US · BBG000BP08R4SMBK:UA · BBG000BP09J1SMBK:UC · BBG000BP09Z3SMBK:UN · BBG000BP0BG9SMBK:UP · BBG000BP0BT5SMBK:UB · BBG000BP0CQ6SMBK:UT · BBG000BP0CY7SMBK:UM · BBG000BP0D48SMBK:UX · BBG000BP0DJ2SMBK:UD · BBG000BP0HJ3SMBK:UF · BBG000BP0LF8SMBK:VY · BBG000BP0LQ6