SMBK Company Profile and Key Details

Q: Who are the executives of SMBK?

Travis LytleSenior Vice President and Director of Community Devel. & Community Reinvestment Act OfficerMr. Gregory L. DavisExecutive Vice President & Chief Lending Officer of SmartBankMonty HatcherExecutive Vice PresidentMr. Nate StrallVice President and Director of Strategy & Corporation Devel.Mr. Nathan StrallHead of Investor RelationsMr. Rhett D. JordanExecutive Vice President & Chief Credit Officer of SmartBankMs. Beverly AtchleySenior Vice President & Sr. Director of OperationsMs. Kelley L. FowlerSenior Vice President and Director of Marketing & PR - SmartBankMr. Nathaniel Frank HughesExecutive Vice President, Investor Relations & TreasurerMs. Cynthia A. CainExecutive Vice President & Chief Accounting OfficerMr. Ronald J. GorczynskiExecutive Vice President & Chief Financial OfficerMr. William Young Carroll Jr.Pres, Chief Executive Officer & DirectorMs. Rebecca C. BoydExecutive Vice President & Chief People OfficerMr. Gary Wayne Petty Jr.Executive Vice President & Chief Risk OfficerMr. Daniel HerefordExecutive Vice President & Chief Information Officer of SmartBank

NYSE : SMBK

SmartFinancial

$39.53

0.2+0.51%

At Close 4:00 PM

61.46

BESG ScoreESG Rating

Profile Key Stats Analyst Ratings Ownership Ratios Financials Dividend & splits Sentiment Forecast

Price Chart

Stock Price Today

SmartFinancial, Inc. (SMBK) stock surged +0.51%, trading at $39.53 on NYSE, up from the previous close of $39.33. The stock opened at $38.88, fluctuating between $38.70 and $39.76 in the recent session.

Stock Snapshot

39.33

Prev. Close

675.84M

Market Cap

38.7

Day Low

13.27

P/E Ratio

2.98

EPS (TTM)

1.99

Cash Flow per Share

38.88

Open

17.1M

Number of Shares

39.76

Day High

84.61%

Free Float in %

27.35

Book Value

55.98K

Volume

Relevant Articles

SEC Fillings

Current Report (8-k)

Filing Date	Accepted Date

Annual Report (10-k)

Filing Date	Accepted Date

Stock Price History Chart

Date	Open	High	Low	Close	Volume
Apr 02, 2026	38.81	39.76	38.70	39.53	67.34K
Apr 01, 2026	39.45	40.02	38.82	39.33	58.14K
Mar 31, 2026	39.20	39.26	38.55	39.08	76.45K
Mar 30, 2026	38.54	38.88	37.89	38.68	55.86K
Mar 27, 2026	38.28	38.59	37.74	38.29	59.57K
Mar 25, 2026	39.03	39.25	38.19	38.43	52.82K
Mar 24, 2026	38.13	39.16	38.13	38.51	44.24K
Mar 23, 2026	37.91	39.32	37.60	38.67	90.2K
Mar 20, 2026	37.91	37.95	37.12	37.21	295.73K
Mar 19, 2026	36.98	38.01	36.98	37.70	63.06K
Mar 18, 2026	37.85	38.96	37.36	37.59	58.59K
Mar 17, 2026	38.78	39.02	38.08	38.43	34.1K
Mar 16, 2026	38.49	38.96	0.00	0.00	38.68K
Mar 13, 2026	38.34	39.19	0.00	0.00	67.07K
Mar 12, 2026	37.40	38.14	37.19	38.09	45.06K
Mar 11, 2026	37.98	38.13	37.64	38.07	31.26K
Mar 10, 2026	37.92	39.39	37.71	38.34	69.36K
Mar 09, 2026	37.69	38.37	37.16	38.17	58.03K
Mar 06, 2026	37.95	38.39	37.49	38.39	86.91K
Mar 03, 2026	39.16	40.16	38.67	39.85	65.18K

Contact Details

Knoxville, TN 37919

United States

https://www.smartbank.com 865 437 5700

About Company

SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers. It operates through Commercial Real Estate, Consumer Real Estate, Construction and Land Development, Commercial and Industrial, and Consumer and Other segments. The company offers noninterest-bearing and interest-bearing checking, interest-bearing demand, savings, money market, time deposit, individual retirement accounts, as well as certificates of deposit. It also provides commercial and residential real estate, consumer real estate, and construction and land development loans; commercial and financial loans; mortgage loans; and direct consumer installment loans, educational, and other revolving credit loans; and overdraft facilities. In addition, the company offers wealth management, insurance, mortgage origination, and Internet and mobile banking services. As of March 1, 2022, it had 41 full-service branches and 2 loan production offices in East and Middle Tennessee, Alabama, and the Florida Panhandle. The company is headquartered in Knoxville, Tennessee.

Stock Peers

USB-PA

2.82+0.37%

U.S. Bancorp PERP PFD SER A$757.51 BAP

-1.28-0.38%

Credicorp Ltd.$339.98 PNC

2.46001+1.18%

The PNC Financial Services Group, Inc.$211.70 MTB

1.18+0.56%

M&T Bank Corporation$210.16 CUBI-PE

-0.70221-0.34%

Customers Bancorp, Inc.$205.87 NIC

-0.69-0.46%

Nicolet Bankshares, Inc.$148.90 CFR

-0.08-0.06%

Cullen/Frost Bankers, Inc.$138.57 KB

-1.23-1.22%

KB Financial Group Inc.$99.60 SSB

0.3+0.32%

SouthState Corporation$93.91 CMA

-4.19-4.51%

Comerica Incorporated$88.67

Company Overview

SmartFinancial, Inc. (NYSE:SMBK) closed at $39.53 USD, gaining $0.20 (0.51%) from the previous close of $39.33. The stock is currently mid-range between its 52-week high and low $26.31 and $43.91. With a market capitalization of about $675.84 million, SmartFinancial, Inc. is classified as a small-cap and shows lower-than-market volatility (beta ~0.76). Key stats such as the average daily volume over the past year has been around 75.32 thousand shares, in line with its 52-week average. Headquartered in Knoxville, TN, SmartFinancial, Inc. operates in the Financial Services sector and the Banks - Regional industry. Led by CEO William Young Carroll Jr., the company employs approximately 597 people and listed since October 07, 2003. SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers.

Technical Performance

Short-term trend indicators are bearishly aligned (SMA20 -1.2%, SMA50 3.24%, SMA200 13.55%). The stock’s 14-day RSI is 52.1 (neutral), while the ATR of 1.35 points to higher daily volatility. The stock remains hovering near 52-week lows, trading -6.62% below its high and over 55.83% above its low. Average 10-day trading volume of 59.20 thousand shares is below the 3-month average of 65.90 thousand, indicating normal recent market interest.

Valuation Metrics

SmartFinancial, Inc. trades at a P/E ratio of 13.18, slightly below the S&P 500 average, with a price-to-sales ratio of 2.14 and a price-to-book ratio of 1.2 suggesting the stock is closer to book value. The P/FCF stands at 11.85, also below market averages.

Dividend & Fair Value

SmartFinancial, Inc. last paid a dividend of 0.32 per share, this equals a trailing yield of roughly 1.19%. Dividend and splits history remains an important factor for investors monitoring long-term returns. A discounted cash flow model estimates fair value at around $42.64. This means the shares are trading below this model’s fair value.

Earnings & Analyst Outlook

SmartFinancial, Inc. generated EPS of $2.98 over the past year. Five-year average earnings growth is 12.96%. The latest quarter delivered EPS of $0.86. The next quarter is forecast at $0.78. Next year's EPS is expected at -$11.88. Analyst sentiment is neutral. Analyst rating data shows there are 1 Strong Buy ratings, 0 Buy ratings, 3 Hold ratings, 0 Sell rating and 0 Strong Sell ratings. Price targets range from $44.00 to $38.00. The high target offers 11.31% upside. The low target suggests -3.87% downside. The mean target is $40.38. This offers 2.15% upside. SmartFinancial, Inc. earnings surprise history is a consistent trend of beating forecasts. The quarter that ended October 21, 2025, missed forecasts by 17.81%. The prior quarter beat by 4.55%. Over the last six quarters, Apple has recorded several small beats. These include 12.2% in July 22, 2024.

Shareholding & Insider Activity

SmartFinancial, Inc. has 17.02 million shares outstanding. The public float is 14.40 million shares, elevated short interest at 0.59% of float. This equals 93.08 thousand shares. The short ratio is 1.69 days. Institutional investors hold 65.27% of the float. Insiders own 7.6%. Ogle David Austin holds 188.54 thousand shares, Barrett Victor Lynn has 141.13 thousand shares and Miller Ted Charles has 140.32 thousand shares. Over the past six months, insider transactions show balanced activity. They sold 10.88 thousand shares across 2 transactions.

Financial & Profitability Overview

Over the trailing twelve months, SmartFinancial generated $152.41M in revenue, or $∞ per share. Gross margin was 100.00%, operating margin 23.77%, and net profit margin 18.76%. Returns are modest, with ROA at 0.59% and ROE at 6.22%.
On valuation metrics, SmartFinancial trades at a P/E of 13.18, P/S of 2.14 and P/B of 1.20. The current ratio is 1.04 and quick ratio is 1.04. Operationally, the company’s inventory turnover is 0.00 and cash conversion cycle is 4955.74 days. Debt-to-equity is 0.18, supported by a cash flow-to-debt ratio of 0.60.

Quarterly Financial Highlights

For the quarter ended Dec 31, 2023, SmartFinancial posted revenue of $152.41M, down slightly from $6.38M in the prior quarter. Gross profit was $152.41M (margin 100.00%). Operating income was $36.23M (margin 23.8%). Net income was$28.59M (EPS $0.00).
The company ended the quarter with $470.00M in cash and short-term investments, a total debt of $50.10M, and net debt of - $244.72M. Total assets were $4.83B, with equity of $459.89M. Financials further reflected stability, with operating cash flow of $39.72M, free cash flow of $33.45M, and capital expenditures of - $6.27M.

Price Forecast & Outlook

Our AI price prediction model suggests that SmartFinancial, Inc. stock has strong potential for upside but may face short-term weakness followed by gains in the medium and long term. 2-Week Outlook: Projected decline of -7.31%, with price expected at $36.64 by April 16, 2026, within a range of $26.59 to $46.99 3-Month Outlook: Projected rise of 44.57%, reaching $57.15 by July 01, 2026, with a range of $55.70 to $58.54. 1-Year Outlook: Projected gain of 20.54%, with price at $47.65 by April 02, 2027, within a range of $46.47 to $49.19.

Key Takeaways

SmartFinancial, Inc. (NYSE:SMBK) shares are flat 5.43% year-to-date currently trading near 52-week highs band. Short-term momentum has been positive over the last quarter, despite recent volatility. Valuation shows SmartFinancial, Inc. trading at a premium to the broader market with a P/E of 13.18. Analyst sentiment is cautious, with the majority of ratings in Market Perform territory and a mean price target of $29.85, suggesting -24.49% downside. Our AI forecast model points to short-term weakness (-7.31% over two weeks), a medium-term rise (44.57% over three months), and a longer-term gain (20.54% over one year), with expected trading ranges indicating moderate volatility.

Frequently Asked Questions

What is the current SmartFinancial, Inc. (SMBK) stock price?

SmartFinancial, Inc. (NYSE: SMBK) stock price is $39.53 in the last trading session. During the trading session, SMBK stock reached the peak price of $39.76 while $38.70 was the lowest point it dropped to. The percentage change in SMBK stock occurred in the recent session was 0.51% while the dollar amount for the price change in SMBK stock was $0.20.

SMBK's industry and sector of operation?

The NYSE listed SMBK is part of Banks - Regional industry that operates in the broader Financial Services sector. SmartFinancial, Inc. designs, manufactures, and markets smartphones, personal computers, tablets, wearables, and accessories worldwide.

Who are the executives of SMBK?

Travis Lytle
Senior Vice President and Director of Community Devel. & Community Reinvestment Act Officer
Mr. Gregory L. Davis
Executive Vice President & Chief Lending Officer of SmartBank
Monty Hatcher
Executive Vice President
Mr. Nate Strall
Vice President and Director of Strategy & Corporation Devel.
Mr. Nathan Strall
Head of Investor Relations
Mr. Rhett D. Jordan
Executive Vice President & Chief Credit Officer of SmartBank
Ms. Beverly Atchley
Senior Vice President & Sr. Director of Operations
Ms. Kelley L. Fowler
Senior Vice President and Director of Marketing & PR - SmartBank
Mr. Nathaniel Frank Hughes
Executive Vice President, Investor Relations & Treasurer
Ms. Cynthia A. Cain
Executive Vice President & Chief Accounting Officer
Mr. Ronald J. Gorczynski
Executive Vice President & Chief Financial Officer
Mr. William Young Carroll Jr.
Pres, Chief Executive Officer & Director
Ms. Rebecca C. Boyd
Executive Vice President & Chief People Officer
Mr. Gary Wayne Petty Jr.
Executive Vice President & Chief Risk Officer
Mr. Daniel Hereford
Executive Vice President & Chief Information Officer of SmartBank

How SMBK did perform over past 52-week?

SMBK's closing price is 50.25% higher than its 52-week low of $26.31 where as its distance from 52-week high of $43.91 is -9.97%.

How many employees does SMBK have?

Number of SMBK employees currently stands at 597.

Link for SMBK official website?

Official Website of SMBK is: https://www.smartbank.com

How do I contact SMBK?

SMBK could be contacted at phone 865 437 5700 and can also be accessed through its website. SMBK operates from 5401 Kingston Pike, Knoxville, TN 37919, United States.

How many shares of SMBK are traded daily?

SMBK stock volume for the day was 55.98K shares. The average number of SMBK shares traded daily for last 3 months was 75.32K.

What is the market cap of SMBK currently?

The market value of SMBK currently stands at $675.84M with its latest stock price at $39.53 and 17.1M of its shares outstanding.

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Employees	597
Beta	0.77
Sales or Revenue	$152.41M
5Y Sales Change%	0.835%
Fiscal Year Ends	December
Sector	Financial Services
Industry	Banks - Regional

SMBK Company Profile and Key Details

SmartFinancial

Price Chart

Stock Price Today

Stock Snapshot

Relevant Articles

SEC Fillings

Current Report (8-k)

Annual Report (10-k)

Stock Price History Chart

Contact Details

About Company

Company Information

Stock Peers

Company Overview

Technical Performance

Valuation Metrics

Dividend & Fair Value

Earnings & Analyst Outlook

Shareholding & Insider Activity

Financial & Profitability Overview

Quarterly Financial Highlights

Price Forecast & Outlook

Key Takeaways

Frequently Asked Questions

Company Overview

Valuation Metrics

Earnings & Analyst Outlook

Dividend & Fair Value

Shareholding & Insider Activity

Technical Performance

Price Forecast & Outlook

Key Takeaways

Financial & Profitability Overview

Quarterly Financial Highlights