SMBK SmartFinancial, Inc.

48.07USD+0.40%Mkt Cap: 821.82M USDP/E: 13.10

SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers in the United States. The company offers various deposits, including…

Insiders, last 90 daysNet sellers
Institutional holders20 on file

Key Statistics

Company
Market Cap821.82M USD
Enterprise Value570.21M USD
Revenue (TTM)210.19M USD
Gross Profit210.19M USD
Net Income (TTM)50.35M USD
Revenue/Share12.50 USD
Last Price48.07 USD
Fiscal Year EndDec 2025
MR QuarterSep 2026
Employees581
CountryUS
SectorFinancial Services
IndustryBanks - Regional
ISIN—
Valuation
P/E (Trailing)13.10
P/E (Forward)11.59
PEG—
EV/EBITDA—
EV/Revenue2.71
P/S3.91
P/B1.41
EPS (TTM)3.66 USD
EPS (Forward)4.15 USD
52W Range
34.5069% of range54.14
52W High54.14 USD
52W Low34.50 USD
Profitability
Gross Margin0.00%
Oper. Margin40.06%
EBITDA Margin0.00%
Profit Margin25.62%
ROE9.11%
ROA0.86%
ROIC—
ROCE—
Growth
Revenue Growth11.80%
Earnings Growth35.80%
Cash Flow & Leverage
Operating CF61.72M USD
CapEx (TTM)2.39M USD
FCF Margin—
FCF Yield—
Net Debt-250.52M USD
Net Debt/EBITDA—
Net Debt/FCF—
Balance Sheet
Debt/Equity0.18
Current Ratio—
Quick Ratio—
Book Value/Sh33.99 USD
Cash/Share22.52 USD
Dividends
Fwd Div Rate0.36 USD
Trail. Div Rate0.34 USD
Div. Yield0.75%
5Y Avg Yield1.00%
Payout Ratio9.26%
Ex-Div DateNov 16, 2026
Pay DateDec 1, 2026
Splits
Last Split1:4
Split DateSep 23, 2015
Analyst Consensus
Rating—
Target (Mean)52.38 USD
Upside (mean)+9.0%
Target Range47.00 USD – 58.00 USD
47.00+9.0% to mean58.00
# Analysts6
Ownership
Shares Out.17.10M
Float15.21M
Insiders11.03%
Institutions66.31%
Short Interest
Short Ratio4.6d
Short % Float3.57%
Short % Out.3.32%
Shares Short568.02K
Short (prev mo.)636.04K
Technical
SMA 5050.12 (-4.1%)
SMA 20045.52 (+5.6%)
Beta0.74
S&P 52W Chg13.09%
Avg Vol (30d)109.11K
Avg Vol (10d)98.39K
Technical Indicators
RSI (14)43.1
MACD-0.5659
MACD Signal-0.5275
MACD Hist.-0.0384
BB Upper50.35 USD
BB Middle48.78 USD
BB Lower47.21 USD
BB Width6.42%
ATR (14)1.177 USD
Vol Ratio (20d)1.56x

About SmartFinancial (NYSE: SMBK)

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SmartFinancial (NYSE: SMBK) is listed on the New York Stock Exchange, where its shares trade in USD. It belongs to the Banks - Regional industry, part of the Financial Services sector, and reports about 581 employees.

The shares were at 48.07 USD on 13 November 2026, up 34.9% over 52 weeks. Its 52-week range is 34.50 USD to 54.14 USD: the price is 11.2% below the high and 39.3% above the low.

At a market capitalisation of 821.82M USD, it trades at 13.1 times trailing earnings and 11.6 times forward earnings. The median trailing P/E of its 20 largest Banks - Regional peers is 11.1, a premium of 18% for SMBK. It pays a dividend yielding 0.75% (it pays out 9% of its earnings), against a median of 4.09% among the dividend payers in that peer group.

SmartFinancial reports return on equity of 9.1%, an operating margin of 40.1% and revenue up 11.8% year over year.

It holds more cash than debt, a net cash position of 250.52M USD. Its Piotroski F-score is 6 out of 9, an average reading of its financial health. 6 analysts cover the stock; their mean price target of 52.38 USD is 9.0% above the current price. The next earnings report is expected on 19 January 2027.