Financial Services
SmartFinancial, Inc.(SMBK)
Live Price
Offline$44.65
+0.16% today
1Y Change
+39.66%
Window
Jun 23, 2025 โ Jun 12, 2026
- Market Cap
- $720.00M
- Revenue Growth
- +10.9%
- EPS Growth
- +39.4%
- Dividend Yield
- 0.8%
Coverage: 245 bars ยท Jun 23, 2025 โ Jun 12, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
SmartFinancial, Inc. (SMBK) is a Financial Services stock with a market cap of $720.00M and listed on NYSE. The stock last traded around $44.65 and up 39.7% across the available one-year price window (Jun 23, 2025 โ Jun 12, 2026). Baseline metrics include revenue growth of +10.9%, EPS growth of +39.4%, a dividend yield of 0.8%. What stands out right now is revenue +10.9%, EPS +39.4%, free cash flow +28.2% with operating margin 20.0% and ROIC 7.9%. The dividend is present but secondary, with a yield around 0.8%. Valuation is more restrained than many high-expectation growth names at P/E 13.5 and price/sales 2.2. Stock Foundry combines SMBK price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+10.9% vs +3.4% peer median
Operating Margin
Above sector median
+20.0% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 20, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +10.9% and EPS at +39.4%, with operating margin around 20.0%.
The next real check-in already has a date
The next earnings event is scheduled for Jul 20, 2026, which is the clearest near-term catalyst for confirming whether the current trend is holding up.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +0.1% over the next 5 trading days and finished higher after 2 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 20, 2026 | โ | -4.4% | -1.4% | -5.2% |
2026 Jan 20, 2026 | +1.3% | +3.6% | +1.2% | +5.8% |
2025 Oct 21, 2025 | +17.8% | +3.0% | +0.5% | -1.1% |
Benchmark Comparison
Normalized Performance vs SPY
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
SMBK
โ
Normalized return
SPY
โ
S&P 500
Excess Return
โ
Relative to SPY
SMBK Max Drawdown
-13.44%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for SMBK and SPY.
Company Overview
SmartFinancial, Inc.
New York Stock Exchange
SmartFinancial, 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.
- Leadership
- William Young Carroll Jr.
- IPO Date
- Oct 7, 2003
- Employees
- 597
- Street Address
- 5401 Kingston Pike
- Mailing
- Knoxville, TN, 37919
- Region
- Knoxville, TN, US
- Reporting Currency
- USD
- Investor Line
- 865 437 5700
- Last Updated
- May 4, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 13.5
- EV/EBITDA
- 6.8
- Price/Sales
- 2.2
- Price/Book
- 1.3
Growth
- Revenue
- +10.9%
- EPS
- +39.4%
- Free Cash Flow
- +28.2%
Profitability
- Gross Margin
- 62.1%
- Operating Margin
- 20.0%
- Net Margin
- 16.3%
- ROE
- 9.7%
- ROIC
- 7.9%
Balance Sheet
- Debt/Equity
- 0.18
- Current Ratio
- 1.03
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.