SMARTFINANCIAL INC.

SMBK

SMARTFINANCIAL INC.

SMBK

Insider Sentiment (TTM):

Last Purchase:2026-06-10Last Sale:2026-06-12Shares Purchased (TTM):7,380Shares Sold (TTM):11,775

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:10,130,979Shares Outstanding:16,821,486Institutional Ownership Pct.:60.23%

Earnings Market Reaction:

Filing Date:2026-08-10Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Assets
Cash And Due From Banks	83	57	56	60	72	58	97	65	60	48	62	63
Interest Bearing Deposits In Banks	291	282	395	463	276	353	277	125	220	344	233	298
Federal Funds Sold	6	7	13	34	18	12	14	3	63	86	57	40
Cash And Cash Equivalents At Carrying Value	379	346	464	557	365	423	388	193	343	478	352	400
Debt Securities Available For Sale Excluding Accru…	560	552	540	511	502	499	482	501	501	474	408	385
Debt Securities Held To Maturity Excluding Accrued…	120	121	122	123	125	126	127	128	129	180	281	282
Investment Owned Restricted Cost	18	17	16	15	15	14	15	20	14	14	14	14
Financing Receivable Excluding Accrued Interest Be…	-	4,518	4,364	4,222	4,124	3,992	3,906	3,717	3,574	3,478	3,444	3,379
Financing Receivable Allowance For Credit Loss Exc…	-	-44	-41	-39	-40	-38	-37	-36	-35	-34	-35	-34
Financing Receivable Excluding Accrued Interest Af…	-	4,474	4,323	4,183	4,084	3,954	3,869	3,682	3,539	3,443	3,409	3,345
Property Plant And Equipment Net	93	93	88	89	90	91	91	91	91	93	93	92
Foreclosed Assets	-	-	-	-	0	0	0	0	1	1	1	1
Intangible Assets Net Including Goodwill	-	-	95	96	-	-	105	-	-	-	-	-
Other Intangible Assets Net	-	95	-	-	104	104	105	105	106	107	107	108
Cash Surrender Value Of Life Insurance	121	120	120	119	118	117	116	105	84	84	83	83
Other Assets	82	82	81	82	83	79	78	77	80	76	76	84
Assets	6,115	5,908	5,861	5,785	5,491	5,411	5,276	4,909	4,891	4,955	4,829	4,797
Liabilities And Stockhold…
Deposits
Noninterest Bearing Deposit Liabilities	922	951	1,063	931	907	884	966	864	903	907	898	924
Demand Deposit Accounts	1,022	954	946	929	844	885	837	834	988	996	1,007	994
Deposits Savings Deposits	2,455	2,456	2,274	2,218	2,125	2,132	2,040	1,855	1,901	1,952	1,812	1,766
Time Deposits	987	835	871	972	997	907	845	770	524	538	550	563
Deposits	5,386	5,196	5,153	5,051	4,872	4,809	4,686	4,322	4,317	4,394	4,268	4,247
Secured Debt	1	3	3	1	7	8	8	9	13	10	13	14
Subordinated Debt	99	99	99	139	40	40	40	40	42	42	42	42
Other Liabilities	53	47	54	56	53	49	50	49	47	42	46	48
Liabilities	5,538	5,346	5,308	5,247	4,972	4,905	4,784	4,420	4,419	4,488	4,370	4,351
Stockholders Equity
Common Stock Value	17	17	17	17	17	17	17	17	17	17	17	17
Additional Paid In Capital	297	296	296	296	295	295	294	294	294	296	296	296
Retained Earnings Accumulated Deficit	276	261	249	236	224	214	204	196	188	181	173	168
Accumulated Other Comprehensive Income Loss Net Of…	13	12	9	11	-17	-20	24	-17	-26	-27	-26	-34
Stockholders Equity	577	562	552	538	519	506	491	489	472	467	460	447
Minority Interest	0	0	0	0	0	0	0	-	-	-	-	-
Liabilities And Stockholders Equity	6,115	5,908	5,861	5,785	5,491	5,411	5,276	4,909	4,891	4,955	4,829	4,797
Held To Maturity Securities Fair Value	107	107	109	110	108	109	108	113	111	161	263	256
Preferred Stock Par Or Stated Value Per Share	1	1	1	1	1	1	1	1	1	1	1	1
Preferred Stock Shares Authorized	2	2	2	2	2	2	2	2	2	2	2	2
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	0	-	0	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	1	1	1	1	1	1	1	1	1	1	1	1
Common Stock Shares Authorized	40	40	40	40	40	40	40	40	40	40	40	40
Common Stock Shares Issued	17	17	17	17	17	17	17	17	17	17	17	17
Shares Outstanding	17	17	17	17	17	17	17	17	17	17	17	17

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	2.77%	15.10%	27.62%	-	-	-	-	-	-	-	-	-
2025	2.83%	14.69%	5.72%	10.49%	4.59%	4.20%	2.28%	6.65%	10.63%	10.30%	10.54%	10.75%
2024	2.16%	4.50%	24.90%	9.80%	7.59%	19.05%	-1.95%	-14.08%	-2.80%	-13.69%	-1.72%	3.26%
2023	-	-	-	-	-	-	5.37%	16.29%	15.43%	-0.24%	6.91%	12.19%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.61	-0.63	-0.63	-0.64	-0.66	-0.67	-0.24	0.22	0.70	1.34	1.41	1.63
Per Share Metrics
Diluted EPS TTM	3.38	3.12	2.98	2.74	2.47	2.25	2.14	1.94	1.52	1.56	1.69	2.09
Free Cash Flow Per Share TTM	3.88	3.34	3.54	3.49	3.18	3.31	2.76	2.42	2.07	1.65	1.99	2.23
Dividend Per Share TTM	0.33	0.32	0.32	0.24	0.24	0.32	0.32	0.32	0.32	0.32	0.32	0.31
Margin Metrics
Gross Profit Margin TTM	60.00%	59.12%	58.08%	57.44%	56.94%	55.82%	54.70%	46.96%	46.98%	48.35%	51.77%	65.51%
Operating Profit Margin TTM	23.47%	22.02%	21.51%	20.68%	19.17%	18.25%	18.10%	16.87%	13.91%	14.86%	16.61%	21.62%
Net Profit Margin TTM	18.97%	17.96%	17.61%	16.74%	15.70%	14.76%	14.39%	13.48%	10.96%	11.77%	13.11%	17.03%
Growth Metrics
Net Revenue Growth (1Y)	13.76%	14.03%	13.88%	13.99%	13.70%	14.72%	15.17%	16.67%	19.99%	25.43%	37.28%	44.05%
Net Income Growth (1Y)	37.50%	38.74%	39.31%	41.58%	62.93%	43.80%	26.40%	-7.67%	-42.92%	-42.82%	-33.54%	-3.45%
EPS Growth (1Y)	37.13%	38.30%	39.22%	41.12%	62.85%	44.51%	26.67%	-7.23%	-42.80%	-43.02%	-33.79%	-3.78%
Valuation Metrics
P/E TTM	13.73	12.41	12.26	12.85	13.44	13.52	14.15	14.65	15.18	13.10	14.00	9.83
P/B TTM	1.37	1.16	1.12	1.10	1.08	1.02	1.04	0.98	0.82	0.74	0.87	0.78
P/S TTM	2.61	2.23	2.16	2.15	2.11	2.00	2.04	1.97	1.66	1.54	1.84	1.67
Market Cap	788.04M	654.82M	617.04M	594.78M	560.88M	514.34M	511.56M	478.91M	388.89M	346.55M	400.35M	348.08M
Enterprise Value	408.65M	308.74M	152.62M	37.65M	195.78M	91.35M	123.99M	286.00M	46.05M	-131.39M	48.08M	-52.18M
Calculated Values
Free Cash Flow TTM	65.36M	56.13M	59.34M	58.51M	53.30M	55.49M	46.30M	40.40M	34.78M	27.82M	33.45M	37.41M
Net Debt	-379.39M	-346.07M	-464.42M	-557.13M	-365.10M	-422.98M	-387.57M	-192.91M	-342.84M	-477.94M	-352.27M	-400.26M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-12Sale

Owner: Jordan, Rhett D.

Title: EVP & CHIEF CREDIT OFFICER

Shares: 400

Price/Share: $45.00

Value: $18,000.00

Shares Owned: 11,802

Relationship: Officer

Ownership: Direct

2026-06-10Purchase

Owner: Barrett, Victor Lynn

Title: -

Shares: 3,000

Price/Share: $43.78

Value: $131,340.00

Shares Owned: 151,724

Relationship: Director

Ownership: Direct

2026-06-04Purchase

Owner: Ackermann, Cathy G

Title: -

Shares: 3,000

Price/Share: $42.12

Value: $126,360.00

Shares Owned: 19,831

Relationship: Director

Ownership: Direct

2026-05-04Purchase

Owner: Shomaker, Kelli D

Title: -

Shares: 290

Price/Share: $41.30

Value: $11,977.00

Shares Owned: 2,120

Relationship: Director

Ownership: Direct

2026-04-24Sale

Owner: Jordan, Rhett D.

Title: EVP & CHIEF CREDIT OFFICER

Shares: 500

Price/Share: $41.85

Value: $20,925.00

Shares Owned: 12,202

Relationship: Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-12	Jordan, Rhett D.	Officer	EVP & CHIEF CREDIT OFFICER	Direct	Sale	400	45.00	$18,000.00	11,802	4
2026-06-10	Barrett, Victor Lynn	Director	-	Direct	Purchase	3,000	43.78	$131,340.00	151,724	4
2026-06-04	Ackermann, Cathy G	Director	-	Direct	Purchase	3,000	42.12	$126,360.00	19,831	4
2026-05-04	Shomaker, Kelli D	Director	-	Direct	Purchase	290	41.30	$11,977.00	2,120	4
2026-04-24	Jordan, Rhett D.	Officer	EVP & CHIEF CREDIT OFFICER	Direct	Sale	500	41.85	$20,925.00	12,202	4
2026-02-09	Welborn, Wesley Miller	Director,Officer	CHAIRMAN OF THE BOARD	Direct	Purchase	835	43.13	$36,013.55	96,468	4
2026-01-27	Shomaker, Kelli D	Director	-	Direct	Purchase	255	39.38	$10,041.90	1,022	4
2025-12-10	Tucker, Steven B.	Director	-	Direct	Sale	10,625	38.01	$403,856.25	49,914	4
2025-11-18	Jordan, Rhett D.	Officer	EVP & CHIEF CREDIT OFFICER	Direct	Sale	250	35.00	$8,750.00	10,104	4
2025-02-03	Welborn, Wesley Miller	Director,Officer	CHAIRMAN OF THE BOARD	Direct	Purchase	1,162	34.75	$40,379.50	96,938	4
2025-01-27	Jordan, Rhett D.	Officer	EVP & CHIEF CREDIT OFFICER	Direct	Sale	350	35.76	$12,516.00	9,142	4
2024-12-09	Presley, John M	Director	-	Indirect	Sale	6,916	35.05	$242,405.80	0	4
2024-12-06	Presley, John M	Director	-	Indirect	Sale	10,140	35.54	$360,375.60	6,916	4
2024-12-05	Presley, John M	Director	-	Indirect	Sale	10,517	36.05	$379,137.85	17,056	4
2024-12-04	Jordan, Rhett D.	Officer	EVP & CHIEF CREDIT OFFICER	Direct	Sale	200	35.61	$7,122.00	10,308	4
2024-11-07	Presley, John M	Director	-	Indirect	Sale	7,500	35.79	$268,425.00	27,573	4
2024-11-05	Tucker, Steven B.	Director	-	Indirect	Sale	6,730	33.14	$223,032.20	0	4
2024-11-05	Jordan, Rhett D.	Officer	EVP & CHIEF CREDIT OFFICER	Direct	Sale	300	32.52	$9,756.00	10,508	4
2024-10-31	Jordan, Rhett D.	Officer	EVP & CHIEF CREDIT OFFICER	Direct	Sale	100	33.16	$3,316.00	10,808	4
2024-09-12	Jordan, Rhett D.	Officer	EVP & CHIEF CREDIT OFFICER	Direct	Sale	70	28.58	$2,000.60	10,908	4
2024-08-13	Jordan, Rhett D.	Officer	EVP & CHIEF CREDIT OFFICER	Direct	Sale	200	26.90	$5,380.00	10,978	4
2024-06-04	Jordan, Rhett D.	Officer	EVP & CHIEF CREDIT OFFICER	Direct	Sale	250	22.53	$5,632.50	11,178	4
2024-05-29	Presley, John M	Director	-	Indirect	Sale	7,500	22.65	$169,875.00	35,073	4
2024-05-07	Jordan, Rhett D.	Officer	EVP & CHIEF CREDIT OFFICER	Direct	Sale	350	22.25	$7,787.50	11,428	4
2024-03-05	Petty, Gary Wayne Jr	Officer	EVP & CHIEF RISK OFFICER	Direct	Sale	2,394	21.63	$51,782.22	19,091	4
2024-02-07	Welborn, Wesley Miller	Director,Officer	CHAIRMAN OF THE BOARD	Direct	Purchase	1,000	21.67	$21,670.00	89,481	4
2023-11-30	Presley, John M	Director	-	Indirect	Sale	15,000	21.34	$320,100.00	42,573	4
2023-11-20	Jordan, Rhett D.	Officer	EVP & CHIEF CREDIT OFFICER	Direct	Sale	400	21.90	$8,760.00	11,861	4
2023-10-31	Jordan, Rhett D.	Officer	EVP & CHIEF CREDIT OFFICER	Direct	Sale	350	20.56	$7,196.00	12,261	4
2023-08-30	Jordan, Rhett D.	Officer	EVP & CHIEF CREDIT OFFICER	Direct	Sale	480	22.82	$10,953.60	12,611	4
2023-08-01	Jordan, Rhett D.	Officer	EVP & CHIEF CREDIT OFFICER	Direct	Sale	400	24.90	$9,960.00	13,091	4
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Institutional Ownership

No data available for chart

2026-03-31

60.23%

Inst. Shares: 10,130,979

Shares Outstanding: 16,821,486

2025-12-31

59.58%

Inst. Shares: 9,997,586

Shares Outstanding: 16,779,019

2025-09-30

55.19%

Inst. Shares: 9,261,446

Shares Outstanding: 16,781,236

2025-06-30

55.80%

Inst. Shares: 9,363,449

Shares Outstanding: 16,778,988

2025-03-31

56.36%

Inst. Shares: 9,450,662

Shares Outstanding: 16,767,535

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	10,130,979	16,821,486	60.23%
2025-12-31	9,997,586	16,779,019	59.58%
2025-09-30	9,261,446	16,781,236	55.19%
2025-06-30	9,363,449	16,778,988	55.80%
2025-03-31	9,450,662	16,767,535	56.36%
2024-12-31	9,337,510	16,768,956	55.68%
2024-09-30	9,179,662	16,726,658	54.88%
2024-06-30	8,925,395	16,770,819	53.22%
2024-03-31	7,989,591	16,849,735	47.42%
2023-12-31	7,906,737	16,805,068	47.05%
2023-09-30	7,620,640	16,807,548	45.34%
2023-06-30	7,560,747	16,806,389	44.99%
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SMARTFINANCIAL INC. (SMBK) — SEC Financial Statements & Analysis

SMARTFINANCIAL INC. (SMBK) is a national commercial banks company, incorporated in TN. SMARTFINANCIAL INC. trades on NYSE as: SMBK. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), SMARTFINANCIAL INC. reported a 13.76% year-over-year revenue growth, a Gross Profit Margin of 60.00% (TTM), a Price-to-Sales (P/S) ratio of 2.61x (TTM), a Price-to-Book (P/B) ratio of 1.37x (TTM), at a market cap of $788.04M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 13.76%
Gross Profit Margin TTM: 60.00%
P/S TTM: 2.61x
P/B TTM: 1.37x
Market Cap: $788.04M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is SMARTFINANCIAL INC. in?

SMARTFINANCIAL INC. (SMBK) operates in the National Commercial Banks industry.

What is SMBK's market cap?

SMARTFINANCIAL INC. (SMBK) has a market capitalization of $788.04M as of 2026-06-30.

What is SMBK's P/E ratio?

SMARTFINANCIAL INC. (SMBK)'s trailing twelve month P/E ratio is 13.73x as of 2026-06-30.

What exchange does SMBK trade on?

SMARTFINANCIAL INC. (SMBK) trades on the NYSE.

Where is SMARTFINANCIAL INC. incorporated?

SMARTFINANCIAL INC. is incorporated in TN.