SmartFinancial, Inc. (SMBK) Stock Price

SMBKStock

$50.84+48.44%52W

Market Cap$869.29M

P/E17.27x

PEG Ratio1.16

Div yield1.46%

Beta0.75

SMBK Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)9.75%

Price vs S&P 500 (4W)-0.03%

PEG Ratio1.16

VGM Score60.75

P/E Ratio (Annual)17.27x

Indicated Dividend Yield (Annual)1.46%

P/CF (Annual)14.08x

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)$3.82

Payout Ratio (TTM)9.82%

Price vs S&P 500 (YTD)25.52%

Net Profit Margin (TTM)22.40%

EPS (TTM)$3.39

10-Day Avg Trading Volume0.09M

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)15.15x

Revenue Growth QoQ (YoY)30.68%

EPS Growth (5Y)12.96%

P/E Normalized (Annual)17.27x

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 Ratio1.51x

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 Volume0.12M

52-Week Price Return48.44%

EV / Free Cash Flow (Annual)16.33x

P/E Incl Extra (TTM)15.15x

Tangible BV / Share (Quarterly)$33.50

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 Return19.65%

13-Week Price Return5.59%

Total Debt / Equity (Annual)0.18x

Enterprise Value$968.69M

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 Dev18.80%

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)13.30x

EV / Free Cash Flow (TTM)14.82x

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/E12.58x

Free OCF CAGR (5Y)20.22%

Price vs S&P 500 (52W)32.91%

P/E Ratio (TTM)15.15x

EPS Growth TTM (YoY)37.47%

Year-to-Date Return37.44%

5-Day Price Return1.17%

EPS Normalized (Annual)$2.98

ROA (5Y Avg)0.76%

Net Profit Margin (Annual)26.04%

Month-to-Date Return2.56%

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)11.84x

ROI (5Y Avg)7.09%

P/E Excl Extra (TTM)15.15x

LT Debt / Equity (Quarterly)0.17x

EPS Basic Excl Extra (TTM)$3.39

P/TBV (Quarterly)1.40x

Payout Ratio (Annual)10.83%

P/B Ratio (Annual)1.14x

Dividend / Share (TTM)$0.33

Pretax Margin (TTM)28.43%

Book Value / Share (Annual)$32.44

Price vs S&P 500 (13W)2.90%

Net Margin Growth (5Y)12.38%

Dividend Yield (TTM)0.65%

Beta0.75x

P/FCF (Annual)14.65x

Revenue / Share (TTM)$9.35

ROE (TTM)10.30%

52-Week Low$33.01

vGradeD

gGradeB

mGradeA

vgmGradeB

SMBK Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q2 2026	Jul 20, 2026	$0.90	$0.96	+6.47%(+$0.06)
Q1 2026	Apr 20, 2026	$0.78	$0.81	+3.85%(+$0.03)
Q4 2025	Jan 20, 2026	$0.78	$0.81	+3.40%(+$0.03)
Q3 2025	Oct 21, 2025	$0.72	$0.86	+19.17%(+$0.14)
Q2 2025	Jul 21, 2025	$0.64	$0.69	+7.53%(+$0.05)

SMBK Analyst Recommendations

Jun 2026

Jul 2026

Aug 2026

Sep 2026

3.82

3.83

Industry Peers — National Banks(118)

Symbol	Value Score	Growth Score	Momentum Score	P/B Ratio (Quarterly)	ROE (TTM)	ROA (TTM)	Net Interest Coverage (TTM)	Price
SMBKSmartFinancial, Inc.	D	B	A	1.4x	10.3%	1.0%	—	$50.84
JPMJPMorgan Chase & Co.	D	C	C	2.4x	17.9%	1.4%	—	$339.72
BACBank of America Corporation	C	C	F	1.3x	10.7%	0.9%	—	$51.23
WFCWells Fargo & Co.	C	C	D	1.4x	12.8%	1.0%	—	$83.87
CCitigroup Inc.	B	C	D	1.0x	9.2%	0.7%	—	$124.26
UBSUBS Group AG	D	C	C	1.8x	10.5%	0.6%	—	$47.68
COFCapital One Financial	B	D	D	1.1x	9.3%	1.6%	—	$201.74
MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share)	D	B	B	1.6x	12.3%	0.5%	—	$10.17
USBU.S. Bancorp	B	C	C	1.4x	12.6%	1.2%	—	$58.73
PNCPNC Financial Services Group	C	C	D	1.4x	12.6%	1.3%	—	$217.39
TFCTruist Financial Corporation	B	C	D	0.9x	8.1%	0.9%	—	$47.07
SHGShinhan Financial Group Co Ltd	A	C	F	0.8x	9.2%	0.7%	—	$70.31
HBANHuntington Bancshares Inc	C	C	F	1.1x	8.6%	0.9%	—	$15.27
RFRegions Financial Corp.	C	D	D	1.3x	12.3%	1.4%	—	$27.45
KEYKeyCorp	C	C	D	1.3x	10.1%	1.1%	—	$19.99
PNFPPinnacle Financial Partners, Inc.	C	B	D	1.0x	7.6%	0.9%	—	$94.72
FHNFirst Horizon Corporation	C	B	D	1.3x	11.7%	1.3%	—	$22.88
UMBFUMB Financial Corp	C	B	D	1.4x	12.2%	1.3%	—	$131.10
CFRCullen/Frost Bankers Inc.	D	C	C	2.1x	15.0%	1.3%	—	$155.05
ONBOld National Bancorp	C	B	C	1.2x	10.5%	1.2%	—	$25.01
ZIONZions Bancorporation N.A.	A	C	C	1.3x	16.1%	1.3%	—	$63.37
BOKFBOK Financial Corp	B	C	D	1.4x	10.8%	1.2%	—	$124.83
VLYValley National Bancorp	B	B	D	1.0x	8.9%	1.1%	—	$12.66
FNBF.N.B. Corp	B	C	D	1.0x	8.9%	1.2%	—	$17.23
FULTFulton Financial Corp	B	C	C	1.2x	11.2%	1.2%	—	$22.40
WSFSWSFS Financial Corp	D	B	B	1.5x	11.7%	1.5%	—	$76.35
BANFBancfirst Corp	D	C	D	1.9x	13.4%	1.7%	—	$109.03
WSBCWesBanco Inc	B	B	C	0.9x	8.7%	1.3%	—	$37.22
NICNicolet Bankshares,Inc.	F	C	C	1.5x	8.8%	1.3%	—	$163.80
FFBCFirst Financial Bancorp	B	B	C	1.2x	10.1%	1.3%	—	$31.48
PRKPark National Corporation	D	D	C	1.9x	12.4%	1.7%	—	$178.65
SFNCSimmons First National Corp	B	C	C	1.0x	7.6%	1.1%	—	$22.07
CBUCommunity Financial System, Inc.	D	D	D	1.7x	11.3%	1.3%	—	$60.24
BANCBanc of California, Inc.	B	C	F	1.0x	-0.6%	-0.1%	—	$17.18
NBTBNBT Bancorp Inc	C	C	C	1.3x	11.3%	1.3%	—	$50.85
TRMKTrustmark Corp	C	C	C	1.3x	11.0%	1.2%	—	$44.90
FRMEFirst Merchants Corp	B	C	D	1.0x	7.3%	0.9%	—	$39.60
NWBINorthwest Bancshares, Inc	C	D	C	1.2x	8.1%	0.9%	—	$14.93
WAFDWaFd, Inc. Common Stock	B	C	F	0.7x	8.5%	0.9%	—	$29.15
FCFFirst Commonwealth Financial Corporation	C	C	B	1.3x	10.8%	1.4%	—	$20.34
TBBKThe Bancorp Inc.	C	B	F	3.7x	32.3%	2.5%	—	$49.60
CHCOCity Holding Co	D	D	B	2.3x	16.4%	2.0%	—	$141.69
HOPEHope Bancorp, Inc.	B	C	C	0.8x	5.7%	0.7%	—	$13.43
DCOMDime Commercial Bancshares, Inc.	C	B	B	0.9x	7.7%	0.8%	—	$38.83
NBHCNATIONAL BANK HOLDINGS CORP.	C	C	F	1.2x	6.5%	0.9%	—	$37.92
FSUNFirstSun Capital Bancorp Common Stock	B	F	C	0.9x	3.5%	0.5%	—	$37.95
BFCBank First Corporation Common Stock	F	B	C	2.0x	11.1%	1.6%	—	$147.70
OCFCOceanFirst Financial Corp	C	C	F	0.8x	2.6%	0.3%	—	$15.83
CASHPathward Financial, Inc. Common Stock	B	C	D	2.2x	20.6%	2.4%	—	$72.93
WABCWestamerica Bancorporation	D	D	B	1.7x	12.8%	1.9%	—	$61.28
BHRBBurke & Herbert Financial Services Corp. Common Stock	D	D	C	1.2x	10.4%	1.1%	—	$69.69

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.

SMBK Next Earnings Report

Report dateOct 19, 2026

QuarterQ3 2026

Report timeAMC

EPS estimate$0.96

Revenue estimate$57.55M

Also reporting on Oct 19, 2026

Scheduled date with consensus estimates — both can change before the company reports.

Earnings calendar for October 2026

SMBK Insider Transactions

SellSep 14, 2026
JORDAN RHETT D
Officer
Shares: 230Value: $11,972
SellAug 4, 2026
JORDAN RHETT D
Officer
Shares: 430Value: $22,682

Open-market buys and sells filed with the SEC over the last 90 days. Grants, gifts and option exercises are excluded.

All insider transactions for September 2026

Companies in Related Industries

MPBMid Penn Bancorp, Inc.State Banks
SBSISouthside Bancshares, Inc.State Banks
FMNBFarmers National Banc CorpState Banks
THFFFirst Financial Corporation Common StockState Banks
EGBNEagle Bancorp IncState Banks
FRBTForbright, Inc. Class A Common StockState Banks
GSBCGreat Southern Bancorp IncState Banks
CCBGCapital City Bank Group IncState Banks

Same SIC sector, outside this company's own industry.

Analyst Sentiment

3.8

Buy

Consensus rating

52-Week Range

Low$33.01

High$54.14