SmartFinancial, Inc. (SMBK)

Official site

FINANCIAL SERVICES • BANKS - REGIONAL • NYSE

$50.22

-0.03 (-0.06%)

Market Cap: $859.20M

Last updated: Oct 16, 2026 at 1:55 PM ET

Earnings

Performance (10Y)

Beat Rate

69%(27/39)

Avg Surprise

+8.84%

Streak

11 Q

Upcoming Estimates

Period ending Sep 30, 2026

EPS Consensus$0.96

Range$0.91 - $0.98

6 analysts

EPS Revisions

30d

EPS Estimate DriftChange to current

90d ago$0.95+1.1%

60d ago$0.960.0%

30d ago$0.960.0%

7d ago$0.96-0.5%

Current$0.96

Revenue Consensus

$58M

Range$57M - $58M

5 analysts

Period ending Dec 31, 2026

EPS Consensus$1.09

Range$1.05 - $1.13

6 analysts

Revenue Consensus

$60M

Range$59M - $61M

5 analysts

Period	Reported	Est.	Range	Surprise	B/M	Analysts	Revisions	YoY
Dec 31, 2026Dec 26EST	-	$1.09	$1.05 - $1.13	-	-	6	-	-
Sep 30, 2026Sep 26EST	-	$0.96	$0.91 - $0.98	-	-	6	1 0 30d	-
Jun 30, 2026Jun 26 Reported Jul 20, 2026Reported Jul 20	$0.96	$0.90	$0.88 - $0.93	+6.67%	Beat	6	5 0 30d	+39.1%
Mar 31, 2026Mar 26 Reported Apr 20, 2026Reported Apr 20	$0.81	$0.78	$0.72 - $0.83	+3.85%	Beat	5	3 1 30d	+20.9%
Dec 31, 2025Dec 25 Reported Jan 20, 2026Reported Jan 20	$0.81	$0.78	$0.73 - $0.83	+3.85%	Beat	6	3 3 30d	+42.1%
Sep 30, 2025Sep 25 Reported Oct 21, 2025Reported Oct 21	$0.86	$0.72	$0.70 - $0.75	+19.44%	Beat	6	0 1 30d	+59.3%
Jun 30, 2025Jun 25 Reported Jul 21, 2025Reported Jul 21	$0.69	$0.64	$0.59 - $0.67	+7.81%	Beat	6	5 1 30d	+50.0%
Mar 31, 2025Mar 25 Reported Apr 21, 2025Reported Apr 21	$0.67	$0.55	$0.52 - $0.59	+21.82%	Beat	6	3 1 30d	+36.7%
Dec 31, 2024Dec 24 Reported Jan 21, 2025Reported Jan 21	$0.57	$0.51	$0.44 - $0.57	+11.76%	Beat	6	0 2 30d	+39.0%
Sep 30, 2024Sep 24 Reported Oct 21, 2024Reported Oct 21	$0.54	$0.46	$0.43 - $0.51	+17.39%	Beat	6	0 1 30d	+25.6%
Jun 30, 2024Jun 24 Reported Jul 22, 2024Reported Jul 22	$0.46	$0.39	$0.35 - $0.42	+17.95%	Beat	6	No revisions (30d)	-11.5%
Mar 31, 2024Mar 24 Reported Apr 22, 2024Reported Apr 22	$0.49	$0.41	$0.38 - $0.44	+19.51%	Beat	6	No revisions (30d)	-27.9%
Dec 31, 2023Dec 23 Reported Jan 22, 2024Reported Jan 22	$0.41	$0.41	$0.38 - $0.44	+0.00%	Beat	6	No revisions (30d)	-46.1%
Sep 30, 2023Sep 23 Reported Oct 23, 2023Reported Oct 23	$0.43	$0.47	$0.45 - $0.48	-8.51%	Miss	7	1 0 30d	-37.7%
Jun 30, 2023Jun 23 Reported Jul 24, 2023Reported Jul 24	$0.52	$0.53	$0.51 - $0.56	-1.89%	Miss	7	0 1 30d	-14.8%
Mar 31, 2023Mar 23 Reported Apr 24, 2023Reported Apr 24	$0.68	$0.60	$0.57 - $0.63	+13.33%	Beat	7	0 1 30d	+33.3%
Dec 31, 2022Dec 22 Reported Jan 23, 2023Reported Jan 23	$0.76	$0.74	$0.68 - $0.78	+2.70%	Beat	6	No revisions (30d)	+46.2%
Sep 30, 2022Sep 22 Reported Oct 24, 2022Reported Oct 24	$0.69	$0.73	$0.70 - $0.79	-5.48%	Miss	6	3 0 30d	+9.5%
Jun 30, 2022Jun 22 Reported Jul 25, 2022Reported Jul 25	$0.61	$0.63	$0.53 - $0.70	-3.17%	Miss	7	1 0 30d	+1.7%
Mar 31, 2022Mar 22 Reported Apr 25, 2022Reported Apr 25	$0.51	$0.51	$0.46 - $0.53	+0.00%	Beat	7	0 1 30d	-21.5%
Dec 31, 2021Dec 21 Reported Jan 24, 2022Reported Jan 24	$0.52	$0.50	$0.42 - $0.53	+4.00%	Beat	7	No revisions (30d)	-14.8%
Sep 30, 2021Sep 21 Reported Oct 19, 2021Reported Oct 19	$0.63	$0.51	$0.08 - $0.58	+23.53%	Beat	7	No revisions (30d)	+43.2%
Jun 30, 2021Jun 21 Reported Jul 20, 2021Reported Jul 20	$0.60	$0.48	$0.38 - $0.52	+25.00%	Beat	7	No revisions (30d)	+25.0%
Mar 31, 2021Mar 21 Reported Apr 20, 2021Reported Apr 20	$0.65	$0.54	$0.48 - $0.60	+20.37%	Beat	7	1 0 30d	+116.7%
Dec 31, 2020Dec 20 Reported Mar 16, 2021Reported Mar 16	$0.61	$0.44	$0.33 - $0.51	+38.64%	Beat	7	No revisions (30d)	+32.6%
Sep 30, 2020Sep 20 Reported Oct 20, 2020Reported Oct 20	$0.44	$0.40	$0.34 - $0.45	+10.00%	Beat	6	1 0 30d	+2.3%
Jun 30, 2020Jun 20 Reported Jul 21, 2020Reported Jul 21	$0.48	$0.30	$0.10 - $0.36	+60.00%	Beat	7	1 0 30d	+20.0%
Mar 31, 2020Mar 20 Reported Apr 28, 2020Reported Apr 28	$0.30	$0.32	$0.21 - $0.37	-6.25%	Miss	7	No revisions (30d)	-23.1%
Dec 31, 2019Dec 19 Reported Mar 12, 2020Reported Mar 12	$0.46	$0.40	$0.39 - $0.43	+15.00%	Beat	6	No revisions (30d)	+7.0%
Sep 30, 2019Sep 19 Reported Oct 21, 2019Reported Oct 21	$0.43	$0.40	$0.38 - $0.43	+7.50%	Beat	7	No revisions (30d)	+10.3%
Jun 30, 2019Jun 19 Reported Jul 24, 2019Reported Jul 24	$0.40	$0.41	$0.39 - $0.43	-2.44%	Miss	5	No revisions (30d)	+2.6%
Mar 31, 2019Mar 19 Reported Apr 24, 2019Reported Apr 24	$0.39	$0.40	$0.36 - $0.43	-2.50%	Miss	5	No revisions (30d)	+14.7%
Dec 31, 2018Dec 18 Reported Mar 18, 2019Reported Mar 18	$0.43	$0.38	$0.36 - $0.40	+13.16%	Beat	3	No revisions (30d)	+22.9%
Sep 30, 2018Sep 18 Reported Oct 23, 2018Reported Oct 23	$0.39	$0.40	$0.33 - $0.46	-2.50%	Miss	4	No revisions (30d)	+77.3%
Jun 30, 2018Jun 18 Reported Jul 24, 2018Reported Jul 24	$0.39	$0.37	$0.30 - $0.41	+5.41%	Beat	4	No revisions (30d)	+95.0%
Mar 31, 2018Mar 18 Reported Apr 24, 2018Reported Apr 24	$0.34	$0.34	$0.33 - $0.35	+0.00%	Beat	3	No revisions (30d)	+126.7%
Dec 31, 2017Dec 17 Reported Mar 16, 2018Reported Mar 16	$0.35	$0.22	$0.09 - $0.34	+59.09%	Beat	2	No revisions (30d)	+59.1%
Sep 30, 2017Sep 17 Reported Oct 30, 2017Reported Oct 30	$0.22	$0.25	$0.24 - $0.25	-12.00%	Miss	2	No revisions (30d)	-
Jun 30, 2017Jun 17 Reported Jul 25, 2017Reported Jul 25	$0.20	$0.23	$0.22 - $0.23	-13.04%	Miss	2	No revisions (30d)	-
Mar 31, 2017Mar 17 Reported Apr 25, 2017Reported Apr 25	$0.15	$0.19	-	-21.05%	Miss	-	-	-
Dec 31, 2016Dec 16 Reported Jan 18, 2017Reported Jan 18	$0.22	$0.23	-	-4.35%	Miss	-	-	-

Dividends

Dividend Metrics

Forward Yield0.72%

Forward Annual Dividend$0.36

Payout Ratio9.97%

FrequencyQuarterly

Pay MonthsMar, Jun, Aug, Dec

Growth

3Y CAGR+4.55%

5Y CAGR+9.86%

SMBK dividend history and ex-dividend dates Run SMBK in the free DRIP calculator

Key Metrics

Valuation
P/E Ratio	14.60	EV/EBITDA	10.93x
Price/FCF	12.93x	FCF Yield	7.74%
Profitability
Profit Margin	28.10%	Operating Margin	41.70%
ROE	10.50%	ROIC	8.49%
Financial Health
Debt/Equity	0.17x	Interest Coverage	0.59x
Current Ratio	N/A	Quick Ratio	N/A
Trading Statistics
Beta	0.71	Avg Volume	125.87K
52-Week High	$54.14	52-Week Low	$32.74

Technical Indicators Dashboard

Moving Averages

SMA 10$50.28

SMA 20$50.52

SMA 50$51.17

SMA 200$44.28

EMA 10$50.30

EMA 20$50.49

EMA 50$50.30

EMA 200$45.14

MACD

Line: -0.23Signal: -0.21Hist: -0.02

ADX

ADX: 20.1+DI: 13.8-DI: 19.6

Aroon & PSAR

Aroon Up16.0

Aroon Down68.0

PSAR$48.78

Bollinger Bands

Upper Band$52.03

Lower Band$49.01

%B Position599%(Upper)

Band Width0.40

RSI (14-Day)

Neutral

46.6

Momentum Oscillators

Stoch %K52.7

Stoch %D47.4

Williams %R-42.0

ROC (10d)1.4%

Momentum0.68

CCI (20d)-43.5

MFI (14d)33.6

Volatility Measures

ATR (14d)$1.09(2.2%)

StdDev (20d)0.76

Hist Vol17.2%(Low)

Volume Flow

VWAP$50.18

OBV4.6M

AD Line-11.2M

CMF (20d)-0.109

Volume Metrics

Avg Vol (20d)130.5K

Vol Ratio0.6x

VWMA (20d)$50.53

Pivot Points

R3$51.41

R2$51.02

R1$50.64

Pivot Point$50.25

S1$49.87

S2$49.48

S3$49.10

Advanced Oscillators

TSI-7.61

Ultimate Osc41.9

KST-22.70

Financial Data

Quarter	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 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 Revenue	N/A	$28.39M	$30.53M	$32.31M	$31.52M	$29.12M	$30.45M	$31.50M	$29.35M	$27.62M	$27.55M	$25.06M
Gross Profit	N/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 Income	N/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. (SMBK) Stock Price, News, Quote & History

This page provides a comprehensive overview of SmartFinancial, Inc. (SMBK) stock, including its current price, historical data, and financial performance. It details key metrics such as market capitalization, P/E ratio...

Yahoo! Finance Canada•Oct 13, 2026 9:43 AM ET10/13/26•Somewhat-Bullish

SmartFinancial (SMBK) Projected to Release Quarterly Earnings on Monday

SmartFinancial (NASDAQ:SMBK) is expected to release its quarterly earnings after market close on Monday, October 19th...

MarketBeat•Oct 12, 2026 1:33 AM ET10/12/26•Somewhat-Bullish

Benchmark raises SmartFinancial price target to $56

Benchmark analyst Brett Rabatin has increased the price target for SmartFinancial (NYSE: SMBK) to $56 from $54 while maintaining a Buy rating. This adjustment signals continued confidence in the company's valuation...

scanx.trade•Oct 6, 2026 9:25 PM ET10/6/26•Bullish

SmartFinancial sets Oct 19 date for Q3 2026 earnings release

SmartFinancial, Inc. announced its Q3 2026 financial results will be released on Monday, October 19, 2026. A conference call to discuss these results is scheduled for Tuesday, October 20, 2026...

scanx.trade•Oct 5, 2026 5:59 PM ET10/5/26•Neutral

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

SmartFinancial, Inc. (NASDAQ:SMBK) has received a consensus "Moderate Buy" rating from seven analysts, with an average 12-month price target of $50.42. Analysts have recently adjusted their targets...

MarketBeat•Oct 2, 2026 8:59 PM ET10/2/26•Somewhat-Bullish

SMBK Valuation and Fair Value

P/E: 14.6x
Forward P/E: 14.1x
EV/EBITDA: 10.9x
P/FCF: 12.9x
PEG: 0.0x
P/B: 1.5x

See GNG's fair value

SMBK Profitability: Margins, ROIC and FCF

Operating margin: 41.7%
Net margin: 28.1%
ROIC: 8.5%
ROE: 10.5%
FCF margin: 30.5%
FCF yield: 7.7%

SMBK Competitors

Company	Ticker
Merchants Bancorp	MBINN
Prospect Capital Corporation	PSEC
First Financial Corporation Indiana	THFF
Great Southern Bancorp Inc	GSBC
Navient Corp	NAVI
Eagle Bancorp Inc	EGBN
Farmers National Banc Corp	FMNB
Capital City Bank Group	CCBG

Sector: Financial Services

SMBK Analyst Ratings

Consensus: Hold
Analysts: 6
Strong Buy: 0
Buy: 2
Hold: 4
Sell: 0
Strong Sell: 0

SMBK Bull Case vs Bear Case

Bull case

SMBK converts 30.5% of revenue into free cash flow.
SMBK has a 28.1% net profit margin.
SMBK beat EPS estimates in 100.0% of its last 8 reported quarters.

SMBK Earnings: Beat Rate and Next Report

Beat rate: 8 of 8 quarters (100.0%)
Average surprise: 11.6%
EPS estimate (fiscal period ending Sep 30, 2026): $0.96
Estimate revisions (30 days, fiscal period ending Sep 30, 2026): 1 up, 0 down

SMBK Dividend

Forward yield: 0.7%
Payout ratio: 10.0%
3Y DPS growth: 4.6%
5Y DPS growth: 9.9%
Pay months: Mar, Jun, Aug, Dec

SMBK dividend history

Frequently Asked Questions About SMBK

What is SMBK's current dividend yield?

SmartFinancial, Inc. (SMBK) has a forward dividend yield of 0.72%.

Does SMBK pay dividends?

Yes, SmartFinancial, Inc. pays dividends with a forward dividend yield of 0.72%.

What is SMBK's P/E ratio?

SmartFinancial, Inc. has a price-to-earnings (P/E) ratio of 14.60.

What is SMBK's market cap?

SmartFinancial, Inc. (SMBK) has a market capitalization of $859.20M with a current stock price of $50.22.

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