SmartFinancial, Inc. (SMBK) Stock Price

SMBKStock

$50.85+39.42%52W

Market Cap$869.46M

P/E17.93x

PEG Ratio1.21

Div yield1.46%

Beta0.73

SMBK Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)12.74%

Price vs S&P 500 (4W)-6.69%

PEG Ratio1.21

VGM Score60.23

P/E Ratio (Annual)17.93x

Indicated Dividend Yield (Annual)1.46%

P/CF (Annual)14.63x

Book Value / Share (Quarterly)$33.73

P/TBV (Annual)1.15x

Indicated Dividend (Annual)$0.36

Revenue Growth (3Y)13.56%

Cash Flow / Share (Quarterly)$3.28

Payout Ratio (TTM)10.35%

Price vs S&P 500 (YTD)26.40%

Net Profit Margin (TTM)22.40%

EPS (TTM)$3.39

10-Day Avg Trading Volume0.11M

EPS Excl Extra (TTM)$3.39

Revenue Growth (5Y)25.01%

EPS (Annual)$2.98

Dividend / Share (Annual)$0.32

ROI (Annual)7.70%

Net Profit Margin (5Y Avg)24.41%

Cash / Share (Quarterly)$3.70

P/E Basic Excl Extra (TTM)15.73x

Revenue Growth QoQ (YoY)30.68%

EPS Growth (5Y)12.96%

P/E Normalized (Annual)17.93x

ROA (Last FY)0.86%

Revenue Growth TTM (YoY)44.05%

EBITD / Share (TTM)$3.63

ROE (5Y Avg)8.15%

Operating Margin (TTM)28.43%

Cash Flow / Share (Annual)$3.48

P/B Ratio1.57x

P/B Ratio (Quarterly)1.39x

Net Income / Employee (Annual)$86,700

ROA (TTM)0.97%

EPS Growth QoQ (YoY)38.76%

EV / EBITDA (TTM)11.39x

EPS Incl Extra (Annual)$2.98

3-Month Avg Trading Volume0.10M

52-Week Price Return39.42%

EV / Free Cash Flow (Annual)16.89x

P/E Incl Extra (TTM)15.73x

Tangible BV / Share (Quarterly)$28.21

P/S Ratio (Annual)2.26x

52-Week High$54.14

EPS Excl Extra (Annual)$2.98

CapEx CAGR (5Y)-15.18%

Tangible BV CAGR (5Y)9.69%

26-Week Price Return23.98%

13-Week Price Return23.00%

Total Debt / Equity (Annual)0.18x

Enterprise Value$1.00B

Revenue / Share Growth (5Y)10.91%

Book Value / Share Growth (5Y)6.52%

Revenue / Employee (Annual)$294,502,700,000

Pretax Margin (Annual)33.23%

Cash / Share (Annual)$2.62

3-Month Return Std Dev22.20%

Net Income / Employee (TTM)$98,800

EBITDA CAGR (5Y)33.08%

EBITDA Interim CAGR (5Y)16.76%

ROE (Last FY)9.11%

EPS Basic Excl Extra (Annual)$2.98

P/FCF (TTM)16.09x

EV / Free Cash Flow (TTM)17.86x

Total Debt / Equity (Quarterly)0.17x

EPS Incl Extra (TTM)$3.39

ROI (TTM)8.59%

Dividend Growth Rate (5Y)9.34%

P/S Ratio (TTM)2.36x

Pretax Margin (5Y Avg)30.75%

Revenue / Share (Annual)$9.79

Tangible BV / Share (Annual)$32.15

Forward P/E13.24x

Free OCF CAGR (5Y)20.22%

Price vs S&P 500 (52W)21.11%

P/E Ratio (TTM)15.73x

EPS Growth TTM (YoY)37.47%

Year-to-Date Return38.36%

5-Day Price Return-1.41%

EPS Normalized (Annual)$2.98

ROA (5Y Avg)0.76%

Net Profit Margin (Annual)26.04%

Month-to-Date Return-2.33%

Cash Flow / Share (TTM)$2.86

EBITD / Share (Annual)$4.09

EPS Growth (3Y)5.41%

Operating Margin (Annual)33.23%

LT Debt / Equity (Annual)0.18x

P/CF (TTM)14.15x

ROI (5Y Avg)7.09%

P/E Excl Extra (TTM)15.73x

LT Debt / Equity (Quarterly)0.17x

EPS Basic Excl Extra (TTM)$3.39

P/TBV (Quarterly)1.66x

Payout Ratio (Annual)10.83%

P/B Ratio (Annual)1.14x

Dividend / Share (TTM)$0.32

Pretax Margin (TTM)28.43%

Book Value / Share (Annual)$32.44

Price vs S&P 500 (13W)20.21%

Net Margin Growth (5Y)12.38%

Dividend Yield (TTM)0.60%

Beta0.73x

P/FCF (Annual)15.22x

Revenue / Share (TTM)$9.35

ROE (TTM)10.30%

52-Week Low$33.01

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SMBK Earnings Surprise History

Q2 250.69est. 0.64

Q3 250.86est. 0.72

Q4 250.81est. 0.78

Q1 260.81est. 0.78

Q2 260.96est. 0.90

SMBK Analyst Recommendations

May 2026

Jun 2026

Jul 2026

Aug 2026

3.82

3.83

Industry Peers — National Banks(119)

Symbol	Value Score	Growth Score	Momentum Score	Price
SMBKSmartFinancial, Inc.	D	B	A	$50.85
JPMJPMorgan Chase & Co.	D	B	B	$356.69
BACBank of America Corporation	C	C	B	$62.43
WFCWells Fargo & Co.	C	C	D	$84.79
CCitigroup Inc.	C	C	C	$133.25
UBSUBS Group AG	C	C	B	$54.23
COFCapital One Financial	B	D	C	$216.24
MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share)	D	B	B	$10.41
PNCPNC Financial Services Group	C	C	C	$244.11
USBU.S. Bancorp	C	C	C	$62.41
TFCTruist Financial Corporation	B	C	D	$50.30
SHGShinhan Financial Group Co Ltd	B	C	D	$76.81
HBANHuntington Bancshares Inc	C	C	D	$16.95
RFRegions Financial Corp.	C	D	D	$30.63
KEYKeyCorp	C	C	D	$21.89
PNFPPinnacle Financial Partners, Inc.	D	B	D	$100.77
WBSWebster Financial Corporation Waterbury	C	B	C	$77.57
FHNFirst Horizon Corporation	C	B	F	$24.42
UMBFUMB Financial Corp	C	B	C	$143.57
CFRCullen/Frost Bankers Inc.	D	C	B	$163.38
ZIONZions Bancorporation N.A.	B	C	C	$67.57
ONBOld National Bancorp	C	B	D	$25.66
BOKFBOK Financial Corp	C	C	C	$138.62
VLYValley National Bancorp	C	B	C	$14.10
FNBF.N.B. Corp	B	C	D	$18.37
FULTFulton Financial Corp	B	C	C	$23.66
WSFSWSFS Financial Corp	D	B	B	$78.58
WSBCWesBanco Inc	B	B	C	$40.51
BANFBancfirst Corp	D	C	F	$111.09
PRKPark National Corporation	D	D	B	$199.89
NICNicolet Bankshares,Inc.	F	C	B	$171.12
FFBCFirst Financial Bancorp	B	B	C	$32.66
CBUCommunity Financial System, Inc.	D	D	D	$62.93
SFNCSimmons First National Corp	B	C	D	$22.70
BANCBanc of California, Inc.	B	C	D	$18.59
TBBKThe Bancorp Inc.	D	B	C	$66.98
TRMKTrustmark Corp	C	C	D	$46.11
WAFDWaFd, Inc. Common Stock	B	C	D	$36.21
NBTBNBT Bancorp Inc	C	C	C	$51.39
FRMEFirst Merchants Corp	B	C	D	$41.56
NWBINorthwest Bancshares, Inc	C	D	C	$15.30
FCFFirst Commonwealth Financial Corporation	C	C	C	$20.73
CHCOCity Holding Co	D	D	B	$144.47
NBHCNATIONAL BANK HOLDINGS CORP.	C	C	D	$41.29
OCFCOceanFirst Financial Corp	D	C	F	$18.86
DCOMDime Commercial Bancshares, Inc.	C	B	B	$40.39
HOPEHope Bancorp, Inc.	C	C	B	$13.87
FSUNFirstSun Capital Bancorp Common Stock	D	F	D	$40.29
CASHPathward Financial, Inc. Common Stock	B	C	D	$83.59
BFCBank First Corporation Common Stock	F	C	C	$152.99
BHRBBurke & Herbert Financial Services Corp. Common Stock	D	C	C	$71.76

About SmartFinancial, Inc.

SmartFinancial Inc is a bank holding company operating SmartBank, which serves individual and corporate customers. The bank generates revenue primarily through interest income on loans and securities, funded by customer deposits. Its loan portfolio encompasses commercial loans, real estate financing, consumer loans, and construction lending.