S

    SmartFinancial, Inc. (SMBK)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NYSE

    $50.48
    -0.34 (-0.67%)

    Market Cap: $868.94M

    Last updated: Sep 01, 2026 at 10:00 AM ET

    Earnings

    Performance (10Y)

    Beat Rate
    68%(27/40)
    Avg Surprise
    +8.49%
    Streak
    11 Q

    Upcoming Estimates

    Sep 30, 2026
    EPS Consensus$0.96
    Range$0.93 - $0.98
    6 analysts
    EPS Revisions
    3
    0
    7d
    2
    2
    30d
    EPS Estimate Drift
    90d ago$0.95-0.6%
    60d ago$0.95-1.2%
    30d ago$0.96-0.2%
    7d ago$0.96-0.2%
    Current$0.96
    Revenue Consensus
    $58M
    Range$57M - $58M
    4 analysts
    Dec 31, 2026
    EPS Consensus$1.09
    Range$1.06 - $1.13
    6 analysts
    Revenue Consensus
    $60M
    Range$59M - $61M
    4 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.09---
    Sep 26EST
    		-$0.96---
    Jun 26
    		$0.96$0.90+6.67%Beat+39.1%
    Mar 26
    		$0.81$0.78+3.85%Beat+20.9%
    Dec 25
    		$0.81$0.78+3.85%Beat+42.1%
    Sep 25
    		$0.86$0.72+19.44%Beat+59.3%
    Jun 25
    		$0.69$0.64+7.81%Beat+50.0%
    Mar 25
    		$0.67$0.55+21.82%Beat+36.7%
    Dec 24
    		$0.57$0.51+11.76%Beat+39.0%
    Sep 24
    		$0.54$0.46+17.39%Beat+25.6%
    Jun 24
    		$0.46$0.39+17.95%Beat-11.5%
    Mar 24
    		$0.49$0.41+19.51%Beat-27.9%
    Dec 23
    		$0.41$0.41+0.00%Beat-46.1%
    Sep 23
    		$0.43$0.47-8.51%Miss-37.7%
    Jun 23
    		$0.52$0.53-1.89%Miss-14.8%
    Mar 23
    		$0.68$0.60+13.33%Beat+33.3%
    Dec 22
    		$0.76$0.74+2.70%Beat+46.2%
    Sep 22
    		$0.69$0.73-5.48%Miss+9.5%
    Jun 22
    		$0.61$0.63-3.17%Miss+1.7%
    Mar 22
    		$0.51$0.51+0.00%Beat-21.5%
    Dec 21
    		$0.52$0.50+4.00%Beat-14.8%
    Sep 21
    		$0.63$0.51+23.53%Beat+43.2%
    Jun 21
    		$0.60$0.48+25.00%Beat+25.0%
    Mar 21
    		$0.65$0.54+20.37%Beat+116.7%
    Dec 20
    		$0.61$0.44+38.64%Beat+32.6%
    Sep 20
    		$0.44$0.40+10.00%Beat+2.3%
    Jun 20
    		$0.48$0.30+60.00%Beat+20.0%
    Mar 20
    		$0.30$0.32-6.25%Miss-23.1%
    Dec 19
    		$0.46$0.40+15.00%Beat+7.0%
    Sep 19
    		$0.43$0.40+7.50%Beat+10.3%
    Jun 19
    		$0.40$0.41-2.44%Miss+2.6%
    Mar 19
    		$0.39$0.40-2.50%Miss+14.7%
    Dec 18
    		$0.43$0.38+13.16%Beat+22.9%
    Sep 18
    		$0.39$0.40-2.50%Miss+77.3%
    Jun 18
    		$0.39$0.37+5.41%Beat+95.0%
    Mar 18
    		$0.34$0.34+0.00%Beat+126.7%
    Dec 17
    		$0.35$0.22+59.09%Beat+59.1%
    Sep 17
    		$0.22$0.25-12.00%Miss+15.8%
    Jun 17
    		$0.20$0.23-13.04%Miss-
    Mar 17
    		$0.15$0.19-21.05%Miss-
    Dec 16
    		$0.22$0.23-4.35%Miss-
    Sep 16
    		$0.19$0.20-5.00%Miss-

    Dividends

    Dividend Metrics

    Yield0.67%
    Annual/Share$0.34
    Payout Ratio9.97%
    Frequency4
    Pay MonthsMar, Jun, Aug, Dec

    Growth

    3Y CAGR+4.55%
    5Y CAGR+9.86%
    View SMBK's full dividend history

    Key Metrics

    Valuation
    P/E Ratio14.67EV/EBITDAN/A
    Price/FCF12.99xFCF Yield7.70%
    Profitability
    Profit Margin28.10%Operating Margin41.70%
    ROE10.50%ROIC8.49%
    Financial Health
    Debt/Equity0.17xInterest Coverage0.59x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.69Avg Volume106.79K
    52-Week High$54.1452-Week Low$32.74

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$50.91
    SMA 20$51.65
    SMA 50$49.62
    SMA 200$42.20
    EMA 10$50.97
    EMA 20$51.04
    EMA 50$49.42
    EMA 200$43.33

    MACD

    Line: 0.21Signal: 0.55Hist: -0.35

    ADX

    ADX: 21.5+DI: 20.2-DI: 19.3

    Aroon & PSAR

    Aroon Up20.0
    Aroon DownN/A
    PSAR$51.65

    Bollinger Bands

    Upper Band$53.47
    Lower Band$49.84
    %B Position703%(Upper)
    Band Width0.18

    RSI (14-Day)

    Neutral
    47.1

    Momentum Oscillators

    Stoch %K24.9
    Stoch %D23.5
    Williams %R-79.4
    ROC (10d)-2.9%
    Momentum-1.49
    CCI (20d)-106.6
    MFI (14d)46.8

    Volatility Measures

    ATR (14d)$1.21(2.4%)
    StdDev (20d)0.91
    Hist Vol14.6%(Low)

    Volume Flow

    VWAP$50.42
    OBV4.3M
    AD Line-12.9M
    CMF (20d)-0.110

    Volume Metrics

    Avg Vol (20d)105.0K
    Vol Ratio1.0x
    VWMA (20d)$51.78

    Pivot Points

    R3$52.55
    R2$51.88
    R1$51.35
    Pivot Point$50.67
    S1$50.15
    S2$49.47
    S3$48.94

    Advanced Oscillators

    TSI6.71
    Ultimate Osc45.3
    KST27.01

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$55.95M$53.82M$53.31M$51.07M$49.24M$46.84M$46.81M$44.17M$40.42M$40.10M$39.10M$31.70M
    Cost of RevenueN/A$28.39M$30.53M$32.31M$31.52M$29.12M$30.45M$31.50M$29.35M$27.62M$27.55M$25.06M
    Gross ProfitN/A$53.82M$53.31M$46.88M$46.83M$45.86M$44.68M$41.60M$39.53M$40.54M$37.52M$30.90M
    Operating Expenses$33.95M$32.91M$32.47M$33.87M$32.57M$32.30M$32.29M$30.85M$29.20M$28.55M$29.70M$28.52M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$16.76M$16.71M$16.97M$14.26M$13.56M$12.39M$10.75M$10.33M$11.99M$7.83M$2.39M
    Interest Income$78.04M$74.27M$75.63M$74.52M$69.45M$66.38M$66.09M$63.96M$61.28M$59.78M$57.50M$55.27M
    Interest Expense$29.98M$28.39M$30.53M$32.09M$29.11M$28.14M$28.31M$28.92M$28.47M$28.06M$25.98M$24.27M
    Income Before Tax$20.53M$16.76M$16.71M$16.97M$14.26M$13.56M$12.39M$10.75M$10.33M$11.99M$7.83M$2.39M
    Income Tax Expense$4.21M$3.08M$3.01M$3.29M$2.56M$2.31M$2.75M$1.61M$2.33M$2.63M$1.64M$319,000
    Net Income$16.32M$13.68M$13.70M$13.69M$11.71M$11.25M$9.64M$9.14M$8.00M$9.36M$6.19M$2.07M
    EBITDA$22.29M$18.52M$18.50M$19.47M$16.98M$16.30M$15.08M$13.58M$13.15M$15.06M$10.97M$5.90M
    EBIT$20.53M$16.76M$16.71M$16.97M$14.26M$13.56M$12.39M$10.75M$10.33M$11.99M$7.83M$2.39M
    * Some calculated fields are derived from available data when not provided by source

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    News

    SMARTFINANCIAL INC : BENCHMARK RAISES TARGET PRICE TO $60 FROM $56

    Benchmark has raised its target price for SMARTFINANCIAL INC (SMBK.N) to $60 from $56. This information was reported by Reuters on August 18, 2026. The article notes that the content reflects the author's opinion and is not investment advice.

    Bitget•8/19/26•
    Bullish

    Benchmark raises SmartFinancial stock price target on growth outlook By Investing.com

    Benchmark has increased its price target for SmartFinancial (NYSE: SMBK) to $60 from $56, maintaining a Buy rating, citing confidence in stronger balance sheet growth and potential operating leverage. This adjustment follows a strong 41% year-to-date gain and the company's Q2 results, which surpassed Wall Street expectations with earnings of $0.96 per share and robust revenue. SmartFinancial's attractive valuation, reflected in its current P/E ratio of 15.4 and notably low PEG ratio of 0.42, further supports the positive outlook.

    Investing.com Australia•8/18/26•
    Bullish

    SMBK Maintained by Benchmark -- Price Target Raised to $60.00

    Benchmark has maintained a 'Buy' rating for SmartFinancial (SMBK) and increased its price target from $56.00 to $60.00, indicating continued confidence in the company's potential. Despite this, GuruFocus assesses SMBK as 28.7% overvalued with a GF Value™ of $40.39, while its GF Score™ of 68/100 points to fair overall quality. Insider activity shows significant buying, suggesting internal confidence in the company's future prospects.

    GuruFocus•8/18/26•
    Bullish

    Benchmark raises SmartFinancial stock price target on growth outlook By Investing.com

    Benchmark has increased its price target for SmartFinancial (NYSE:SMBK) to $60 from $56, maintaining a Buy rating, citing confidence in stronger balance sheet growth and potential operating leverage. This adjustment follows a mid-quarter discussion with management and comes after the company reported strong second-quarter results, surpassing Wall Street expectations with earnings of $0.96 per share and revenue of $55.95 million. SmartFinancial's stock currently trades near its 52-week high after a 41% year-to-date gain, with a P/E ratio of 15.4 and a low PEG ratio of 0.42, suggesting attractive valuation for its growth prospects.

    Investing.com Canada•8/18/26•
    Bullish

    SmartFinancial, Inc. (NASDAQ:SMBK) Receives Average Rating of "Moderate Buy" from Brokerages

    SmartFinancial, Inc. (NASDAQ:SMBK) has received an average "Moderate Buy" rating from seven brokerages, with an average 12-month price target of $49.75. The article highlights recent insider stock purchases by company directors and details institutional investor activity. SmartFinancial also declared a quarterly dividend of $0.09 per share, leading to an annualized yield of 0.7%.

    MarketBeat•8/13/26•
    Bullish

    Frequently Asked Questions About SMBK

    What is SMBK's current dividend yield?
    SmartFinancial, Inc. (SMBK) has a current dividend yield of 0.67%.
    Does SMBK pay dividends?
    Yes, SmartFinancial, Inc. pays dividends with a current yield of 0.67%.
    What is SMBK's P/E ratio?
    SmartFinancial, Inc. has a price-to-earnings (P/E) ratio of 14.67.
    What is SMBK's market cap?
    SmartFinancial, Inc. (SMBK) has a market capitalization of $868.94M with a current stock price of $50.48.

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