SMBK — SmartFinancial, Inc. stock price, charts and financials

NYSE·Financial Services·Banks - Regional·USA

Latest market price

51.21

-0.72-1.38%

Overview Short InterestFilings

SMBKQT74SmartFinancial, Inc.·NYSE

Overview Short InterestFilings

51.21-1.38%

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Signal & projected range

Insider open-market saleHistorical pattern — not a prediction

Recent priceDays this stock last showed the setupRange of past outcomes (±1σ)

Horizon

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Over the next 20 trading days, similar setups historically landed in a measured range of outcomes. Premium shows the median return, the typical range, and how often they were positive. This is the historical range of outcomes — not a prediction of this stock’s price.

Ranges describe how this exact setup resolved in the past — derived from thousands ofhistorical occurrences across QuoTrend’s coverage since 2006, survivorship-corrected to include companies that later delisted. The band is the typical spread (±1σ) of those outcomes, not a forecast; the central value is their average move. Fewer matching cases over longer horizons widen the band and lower its reliability. Backtested results are hypothetical, based on historical data, and do not represent actual trading. Past performance does not guarantee or predict future results. QuoTrend is an educational research tool, not investment advice. Markets involve risk, including loss of principal.

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HOPE-0.39%$13.94 STBA-0.59%$50.57 TFIN-0.99%$75.25 CASH-0.28%$86.61 TCBK-0.98%$56.71 GABC-1.20%$49.59 NBHC+0.11%$42.66 LOB-1.24%$42.07

Snapshot

Index	-	P/E	15.18	EPS (ttm)	3.42	Insider Own	14.97%	Shs Outstand	17.10M	Perf Week	-0.90%

Market Cap	887.92M	Forward P/E	12.39	EPS next Y	4.19	Insider Trans	0.23%	Shs Float	15.08M	Perf Month	12.50%

Enterprise Value	607.94M	PEG	0.41	EPS next Q	0.96	Inst Own	-	Short Float	2.18%	Perf Quarter	22.71%

Income	58.34M	P/S	2.68	EPS this Y	10.23%	Inst Trans	-	Short Ratio	3.72	Perf Half Y	21.16%

Sales	331.18M	P/B	1.51	EPS next Y	12.13%	ROA	0.94%	Short Interest	328.30K	Perf YTD	40.39%

Book/sh	-	P/C	13.69	EPS next 5Y	12.13%	ROE	10.30%	52W High	53.39 -4.08%	Perf Year	55.29%

Cash/sh	-	P/FCF	16.49	EPS past 3/5Y	5.33% 12.96%	ROIC	0.94%	52W Low	32.19 59.10%	Perf 3Y	106.24%

Dividend Est.	0.36 (0.70%)	EV/EBITDA	8.17	Sales past 3/5Y	19.11% 18.90%	Gross Margin	62.96%	Volatility	2.23% 2.97%	Perf 5Y	113.09%

Dividend TTM	0.42 (0.82%)	EV/Sales	1.84	EPS Y/Y TTM	58.41%	Oper. Margin	21.43%	ATR (14)	1.41	Perf 10Y	240.52%

Dividend Ex-Date	Jul 31, 2026	Quick Ratio	0.00	Sales Y/Y TTM	16.14%	Profit Margin	17.33%	RSI (14)	63.86	Recom	2.50

Dividend Gr. 3/5Y	4.55% 9.86%	Current Ratio	0.00	EPS Q/Q	39.13%	SMA20	3.06%	Beta	0.68	Target Price	53.00

Payout	9.52%	Debt/Eq	0.17	Sales Q/Q	10.26%	SMA50	10.47%	Rel Volume	1.19	Prev Close	51.93

Employees	589	LT Debt/Eq	0.18	Earnings	Oct 20	SMA200	26.48%	Avg Volume	110.23K	Price	51.21

IPO Date	Oct 07, 2003	Option/Short	Yes / Yes	EPS/Sales Surpr.	6.47% 0.37%	Net Debt/EBITDA	-3.76	Volume	131,121	Change	-1.38%

Analyst Ratings

Date	Action	Analyst	Rating	Target
Jul-23-26	Reiterated	Stephens & Co.	Equal Weight	$27 → $47
Jul-22-26	Reiterated	Raymond James	Strong Buy	$50 → $58
Jun-24-26	Initiated	Benchmark	Buy	$54
Apr-20-26	Reiterated	Raymond James	Strong Buy	$47 → $50
Jan-22-26	Reiterated	Hovde Group	Outperform	$48
Oct-27-25	Reiterated	Piper Sandler	Neutral	$28 → $40
Oct-23-24	Reiterated	Raymond James	Strong Buy	$36
Oct-22-24	Reiterated	Piper Sandler	Neutral	$26 → $28
Jul-24-24	Downgrade	Piper Sandler	Overweight → Neutral
May-23-24	Reiterated	Stephens & Co.	Overweight	$27

Latest News

Jul-23-26

Jul-23-2603:03PM

Stephens & Co. Maintains Equal-Weight on SmartFinancial, Raises Price Target to $47Benzinga

Jul-22-26

Jul-22-2601:02PM

SmarFinancial (SMBK) Upgraded to Buy: What Does It Mean for the Stock?zacks.com

01:15AM

Analysts Set SmartFinancial, Inc. (NASDAQ:SMBK) Target Price at $47.50defenseworld.net

Jul-21-26

Jul-21-2601:23PM

SmartFinancial, Inc. (SMBK) Q2 2026 Earnings Call Transcriptseekingalpha.com

Jul-20-26

Jul-20-2611:20PM

SmartFinancial Inc. (NYSE:SMBK) Earnings Beat Drives Positive Momentum for Quality Bank StockChartMill

07:31PM

SmarFinancial (SMBK) Q2 Earnings: Taking a Look at Key Metrics Versus Estimateszacks.com

07:11PM

SmarFinancial (SMBK) Surpasses Q2 Earnings and Revenue Estimateszacks.com

05:00PM

SmartFinancial Announces Results for the Second Quarter 2026, Regular Quarterly Cash Dividendbusinesswire.com

Jul-15-26

Jul-15-2610:16AM

Countdown to SmarFinancial (SMBK) Q2 Earnings: A Look at Estimates Beyond Revenue and EPSzacks.com

Jul-06-26

Jul-06-2605:00PM

SmartFinancial Sets Dates for Second Quarter Earnings Release and Conference Callbusinesswire.com

Jun-26-26

Jun-26-2607:45AM

Benchmark Initiates Coverage of SmartFinancial (SMBK) with Buy RecommendationFintel

Jun-25-26

Jun-25-2606:04AM

Benchmark Initiates Coverage On SmartFinancial with Buy Rating, Announces Price Target of $54Benzinga

Company

SmartFinancial, Inc. functions as the parent entity for SmartBank, which offers a broad spectrum of financial solutions to both individual clients and corporate entities. The company's operations are structured across distinct segments: Commercial Real Estate, Consumer Real Estate, Construction and Land Development, Commercial and Industrial, and a broader Consumer and Other division. Its suite of deposit products includes non-interest and interest-bearing checking accounts, interest-bearing demand accounts, savings and money market accounts, various time deposits, Individual Retirement Accounts (IRAs), and certificates of deposit (CDs). Additionally, SmartFinancial's lending portfolio encompasses financing for commercial and residential properties, consumer real estate, and construction and land development projects. It also extends commercial and financial loans, mortgage loans, direct consumer installment loans, educational and other revolving credit facilities, and provides overdraft services. Beyond these core offerings, the company delivers wealth management, insurance products, mortgage origination, and convenient digital banking services accessible via the internet and mobile devices. As of March 1, 2022, SmartFinancial maintained a significant regional footprint, operating 41 full-service branches and two dedicated loan production offices across East and Middle Tennessee, Alabama, and the Florida Panhandle. The corporate headquarters are located in Knoxville, Tennessee.

Ownership

Per-holder 13F data hasn't been ingested for this ticker yet.

Financial Statements

DataTimeframe

Line Item (USD, M)	TTM —	FY 2025 12/31/2025	FY 2024 12/31/2024	FY 2023 12/31/2023	FY 2022 12/31/2022	FY 2021 12/31/2021	FY 2020 12/31/2020	FY 2019 12/31/2019	FY 2018 12/31/2018
Total Revenue	331	316	285	—	—	—	—	—	—
Cost of Goods Sold Incl. D&A	122	123	119	—	—	—	—	—	—
Gross Profit	208	193	166	—	—	—	—	—	—
Selling, General and Administrative Excl. Other	98	95	77	—	—	—	—	—	—
Research and Development	0	0	0	—	—	—	—	—	—
Other Operating Expense	40	36	44	—	—	—	—	—	—
Operating Income	72	62	45	—	—	—	—	—	—
Interest Expense	121	120	114	—	—	—	—	—	—
Unusual Expense	—	—	—	—	—	—	—	—	—
Non-Operating Income (Expense)	121	120	114	—	—	—	—	—	—
Net Income Before Taxes	72	62	45	—	—	—	—	—	—
Income Taxes	13	11	9	—	—	—	—	—	—
Consolidated Net Income	58	50	36	—	—	—	—	—	—
Net Income From Continuing Operations	58	50	36	—	—	—	—	—	—
Net Income	58	50	36	—	—	—	—	—	—
EPS (Recurring)	3.42	3.01	2.16	—	—	—	—	—	—
EPS (Basic, Before Extraordinaries)	3.42	3.01	2.16	—	—	—	—	—	—
EPS (Diluted)	3.39	2.98	2.14	—	—	—	—	—	—
EBITDA	74	70	57	—	—	—	—	—	—
Other After Tax Adjustments	—	—	—	—	—	—	—	—	—
Stock Option Compensation Expense	—	—	—	—	—	—	—	—	—
Price To Earnings Ratio	15.11	12.41	14.48	—	—	—	—	—	—
Price To Sales Ratio	2.63	1.99	1.85	—	—	—	—	—	—
Gross Margin	62.84	61.08	58.25	—	—	—	—	—	—
Operating Margin	21.75	19.62	15.79	—	—	—	—	—	—
Net Margin	17.52	15.82	12.63	—	—	—	—	—	—
Shares Outstanding	17	17	17	—	—	—	—	—	—
Market Capitalization	871	629	527	—	—	—	—	—	—
Operating Lease Expense	—	—	—	—	—	—	—	—	—

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Insider Trading Volume

Insider Trading

Insider	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Jordan Rhett D.	EVP & CHIEF CREDIT OFFICER	Aug 04 '26	Sale	52.75	430	22,683	11,372	Aug 04
Jordan Rhett D.	EVP & CHIEF CREDIT OFFICER	Jun 12 '26	Sale	45.00	400	18,000	11,802	Jun 12
Barrett Victor Lynn	Director	Jun 10 '26	Buy	43.78	3,000	131,340	151,724	Jun 10
Ackermann Cathy G	Director	Jun 04 '26	Buy	42.12	3,000	126,360	19,831	Jun 04
Shomaker Kelli D	Director	May 04 '26	Buy	41.30	290	11,977	2,120	May 04
Jordan Rhett D.	EVP & CHIEF CREDIT OFFICER	Apr 24 '26	Sale	41.85	500	20,925	12,202	Apr 24
Welborn Wesley Miller	CHAIRMAN OF THE BOARD	Feb 09 '26	Buy	43.13	835	36,014	96,468	Feb 10
Shomaker Kelli D	Director	Jan 27 '26	Buy	39.38	255	10,042	1,022	Jan 28
Tucker Steven B.	Director	Dec 10 '25	Sale	38.01	10,625	403,856	49,914	Dec 11
Jordan Rhett D.	EVP & CHIEF CREDIT OFFICER	Nov 18 '25	Sale	35.00	250	8,750	10,104	Nov 18
Welborn Wesley Miller	CHAIRMAN OF THE BOARD	Feb 03 '25	Buy	34.75	1,162	40,380	96,938	Feb 04
Jordan Rhett D.	EVP & CHIEF CREDIT OFFICER	Jan 27 '25	Sale	35.76	350	12,516	9,142	Jan 29
PRESLEY JOHN M	Director	Dec 09 '24	Sale	35.05	6,916	242,406	0	Dec 10
PRESLEY JOHN M	Director	Dec 06 '24	Sale	35.54	10,140	360,376	6,916	Dec 09
PRESLEY JOHN M	Director	Dec 05 '24	Sale	36.05	10,517	379,138	17,056	Dec 09

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QuoTrend signals describe historical patterns and statistics — educational information, not investment advice or a recommendation to buy or sell. Past performance doesn’t guarantee future results. Every figure traces to QuoTrend data. Historical patterns — not a prediction or advice.