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    SmartFinancial (SMBK)

    Market Price (8/24/2026): $50.88 | Market Cap: $856.0 MilSector: Financials | Industry: Regional Banks

    SmartFinancial (SMBK)

    Market Price (8/24/2026): $50.88
    Market Cap: $856.0 Mil
    Sector: Financials
    Industry: Regional Banks

    Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

    0

    Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 7.3%, FCF Yield is 7.6%

    Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -85%

    Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 35%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 31%

    Low stock price volatility
    Vol 12M is 25%

    Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Digital Payments, and Online Banking & Lending.

    Trading close to highs
    Dist 52W High is -4.1%, Dist 3Y High is -4.1%

    Key risks
    SMBK key risks include [1] a slightly liability-sensitive position that makes income vulnerable to rising interest rates and [2] challenges from its development and deployment of artificial intelligence models, Show more.

    0 Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 7.3%, FCF Yield is 7.6%
    1 Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -85%
    2 Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 35%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 31%
    3 Low stock price volatility
    Vol 12M is 25%
    4 Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Digital Payments, and Online Banking & Lending.
    5 Trading close to highs
    Dist 52W High is -4.1%, Dist 3Y High is -4.1%
    6 Key risks
    SMBK key risks include [1] a slightly liability-sensitive position that makes income vulnerable to rising interest rates and [2] challenges from its development and deployment of artificial intelligence models, Show more.

    SMBK in ETFs

    Weight = SMBK's share of each fund

    VTI0.00%
    ITOT0.00%
    IWM0.03%
    KRE0.10%
    AVUV0.07%
    IWN0.04%
    VTWO0.03%
    SCHA0.02%
    +5 more covered ETFs

    Valuation & Metrics

    FYE: 12/31SMBK [1]S&P 500 [2]
    REVENUE GROWTH
    LTM Revenue [3]$210.2 Mil—
    FY 2026 Sales$226.8 Mil—
    FY 2027 Sales$247.9 Mil—
    FY 2026 Sales Growth7.9%—
    FY 2027 Sales Growth9.3%12.9%
    EARNINGS
    LTM Net Income (GAAP) [3]$57.4 Mil—
    FY 2026 Net Income (Non-GAAP)$63.6 Mil—
    FY 2027 Net Income (Non-GAAP)$71.9 Mil—
    FY 2027 Net Income Growth13.1%19.0%
    FY 2026 EPS (Non-GAAP)$3.74—
    FY 2027 EPS (Non-GAAP)$4.19—
    FY 2027 EPS Growth12.1%—
    VALUATION
    FY 2026 P/S3.81.8
    FY 2027 P/S3.5—
    FY 2026 P/E13.58.5
    FY 2027 P/E11.9—

    [1] SMBK forward figures are analyst consensus for the next two fiscal years (fiscal year end 12/31). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
    [2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 8/31/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
    [3] LTM = reported trailing-twelve-month actuals (GAAP).
    SMBKS&P 500
    REVENUE GROWTHGOOD
    Rev LTM ($ Bil)0.2
    Rev Chg Q13.6%9.3%
    Rev Chg LTM12.4%8.4%
    Rev Chg 3Y Avg8.5%5.9%
    PROFITABILITYGOOD
    Op Inc LTM ($ Bil)�
    CFO LTM ($ Bil)0.1
    Net Inc LTM ($ Bil)0.1
    CFO/Rev LTM34.9%21.8%
    Net Inc Mgn27.3%13.0%
    VALUATIONLOW
    P/S4.13.3
    P/CFO11.715.6
    P/FCF13.120.3
    P/E14.923.2

    AI Analysis | Feedback

    MetricValueDateSource
    Tangible Book Value Per Share$26.009302025Link
    Nonperforming Assets to Total Assets0.22%9302025Link
    Net Interest Margin3.25%9302025Link
    Efficiency Ratio64%9302025Link
    Nonperforming Loans and Leases to Total Loans and Leases0.24%9302025Link
    Allowance for Credit Losses to Total Loans and Leases0.93%9302025Link
    Annualized Loan Growth10%9302025Link
    Annualized Deposit Growth15%9302025Link
    Tangible Common Equity to Tangible Assets7.78%9302025Link
    Number of Branches4210022025Link

    Price Chart

    Upcoming
    10/20/2026Earnings ReleaseRev: $57 Mil (E)
    EPS: $0.96 (E)

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 8/1/2026

    SmartFinancial (SMBK) stock has gained about 20% since 4/30/2026 because of the following key factors:

    1. SmartFinancial increased its quarterly cash dividend by 12.5% to $0.09 per share, payable on June 1, 2026.

    2. The company reported strong financial results for fiscal Q2 2026, with net income of $16.3 million, or $0.96 per diluted common share, surpassing the estimated $0.90 per diluted common share. Key highlights included 15% annualized loan growth, 6% annualized core deposit growth, and an expanded net interest margin of 3.52% for the quarter ending June 30, 2026.

    Show more
    Updated on 8/1/2026

    SmartFinancial (SMBK) stock has gained about 20% since 4/30/2026 because of the following key factors:

    1. SmartFinancial increased its quarterly cash dividend by 12.5% to $0.09 per share, payable on June 1, 2026.

    2. The company reported strong financial results for fiscal Q2 2026, with net income of $16.3 million, or $0.96 per diluted common share, surpassing the estimated $0.90 per diluted common share. Key highlights included 15% annualized loan growth, 6% annualized core deposit growth, and an expanded net interest margin of 3.52% for the quarter ending June 30, 2026.

    3. Analysts issued positive upgrades and increased price targets for SMBK following the strong performance. Several brokerages, including Benchmark, Keefe, Bruyette & Woods, Stephens, and Raymond James Financial, raised their price targets in July 2026, contributing to a consensus "Moderate Buy" rating and an average price target of $49.75.

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    Stock Movement Drivers

    Fundamental Drivers

    The 22.2% change in SMBK stock from 4/30/2026 to 8/23/2026 was primarily driven by a 7.4% change in the company's P/E Multiple.
    (LTM values as of)43020268232026Change
    Stock Price ($)41.7851.0422.2%
    Change Contribution By: 
    Total Revenues ($ Mil)1962107.0%
    Net Income Margin (%)25.6%27.3%6.6%
    P/E Multiple13.915.07.4%
    Shares Outstanding (Mil)1717-0.2%
    Cumulative Contribution22.2%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    4/30/2026 to 8/23/2026
    ReturnCorrelation
    SMBK22.2% 
    Market (SPY)6.5%-6.5%
    Sector (XLF)10.3%46.3%

    Fundamental Drivers

    The 28.6% change in SMBK stock from 1/31/2026 to 8/23/2026 was primarily driven by a 12.1% change in the company's Net Income Margin (%).
    (LTM values as of)13120268232026Change
    Stock Price ($)39.6951.0428.6%
    Change Contribution By: 
    Total Revenues ($ Mil)19021010.6%
    Net Income Margin (%)24.4%27.3%12.1%
    P/E Multiple14.415.04.0%
    Shares Outstanding (Mil)1717-0.3%
    Cumulative Contribution28.6%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    1/31/2026 to 8/23/2026
    ReturnCorrelation
    SMBK28.6% 
    Market (SPY)11.0%17.8%
    Sector (XLF)8.1%51.3%

    Fundamental Drivers

    The 50.6% change in SMBK stock from 7/31/2025 to 8/23/2026 was primarily driven by a 27.9% change in the company's Net Income Margin (%).
    (LTM values as of)73120258232026Change
    Stock Price ($)33.9051.0450.6%
    Change Contribution By: 
    Total Revenues ($ Mil)17821017.9%
    Net Income Margin (%)21.3%27.3%27.9%
    P/E Multiple14.915.00.1%
    Shares Outstanding (Mil)1717-0.3%
    Cumulative Contribution50.6%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    7/31/2025 to 8/23/2026
    ReturnCorrelation
    SMBK50.6% 
    Market (SPY)22.2%25.1%
    Sector (XLF)11.1%52.0%

    Fundamental Drivers

    The 110.3% change in SMBK stock from 7/31/2023 to 8/23/2026 was primarily driven by a 69.9% change in the company's P/E Multiple.
    (LTM values as of)73120238232026Change
    Stock Price ($)24.2751.04110.3%
    Change Contribution By: 
    Total Revenues ($ Mil)17121023.0%
    Net Income Margin (%)27.1%27.3%0.9%
    P/E Multiple8.815.069.9%
    Shares Outstanding (Mil)1717-0.2%
    Cumulative Contribution110.3%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    7/31/2023 to 8/23/2026
    ReturnCorrelation
    SMBK110.3% 
    Market (SPY)73.2%40.9%
    Sector (XLF)70.0%58.7%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    SMBK Return52%2%-10%28%21%39%200%
    Peers Return44%-6%-4%25%2%16%92%
    S&P 500 Return27%-19%24%23%16%12%103%

    Monthly Win Rates [3]
    SMBK Win Rate83%33%42%50%58%50% 
    Peers Win Rate71%44%46%58%58%52% 
    S&P 500 Win Rate75%42%67%75%67%50% 

    Max Drawdowns [4]
    SMBK Max Drawdown-10%-18%-29%-23%-26%-13% 
    Peers Max Drawdown-21%-28%-41%-15%-26%-15% 
    S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

    [1] Cumulative total returns since the beginning of 2021
    [2] Peers: FBK, RNST, SFBS, TRMK, PNFP.
    [3] Win Rate = % of calendar months in which monthly returns were positive
    [4] Max drawdown represents maximum peak-to-trough decline within a year
    [5] 2026 data is for the year up to 8/21/2026 (YTD)

    How Low Can It Go

    EventSMBKS&P 500
    2025 US Tariff Shock
      % Loss-24.7%-18.8%
      % Gain to Breakeven32.8%23.1%
      Time to Breakeven83 days79 days
    Summer-Fall 2023 Five Percent Yield Shock
      % Loss-16.9%-9.5%
      % Gain to Breakeven20.3%10.5%
      Time to Breakeven49 days24 days
    2023 SVB Regional Banking Crisis
      % Loss-27.8%-6.7%
      % Gain to Breakeven38.6%7.1%
      Time to Breakeven441 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-16.6%-24.5%
      % Gain to Breakeven19.9%32.4%
      Time to Breakeven103 days427 days
    2020 COVID-19 Crash
      % Loss-44.3%-33.7%
      % Gain to Breakeven79.4%50.9%
      Time to Breakeven326 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-28.8%-19.2%
      % Gain to Breakeven40.5%23.8%
      Time to Breakeven806 days105 days

    Compare to FBK, RNST, SFBS, TRMK, PNFP

    In The Past

    SmartFinancial's stock fell -24.7% during the 2025 US Tariff Shock. Such a loss loss requires a 32.8% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    EventSMBKS&P 500
    2025 US Tariff Shock
      % Loss-24.7%-18.8%
      % Gain to Breakeven32.8%23.1%
      Time to Breakeven83 days79 days
    2023 SVB Regional Banking Crisis
      % Loss-27.8%-6.7%
      % Gain to Breakeven38.6%7.1%
      Time to Breakeven441 days31 days
    2020 COVID-19 Crash
      % Loss-44.3%-33.7%
      % Gain to Breakeven79.4%50.9%
      Time to Breakeven326 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-28.8%-19.2%
      % Gain to Breakeven40.5%23.8%
      Time to Breakeven806 days105 days

    Compare to FBK, RNST, SFBS, TRMK, PNFP

    In The Past

    SmartFinancial's stock fell -24.7% during the 2025 US Tariff Shock. Such a loss loss requires a 32.8% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    About SmartFinancial (SMBK)

    SmartFinancial, Inc. (SMBK) is a bank holding company that operates primarily through its subsidiary, SmartBank, serving as a comprehensive financial services provider. The company acts as a community-focused institution, offering a wide array of banking and financial solutions to both individual consumers and corporate clients. Its fundamental business revolves around accepting various types of deposits and extending loans across multiple segments.

    The company's main products and services encompass a full suite of deposit accounts, including non-interest and interest-bearing checking, savings, money market, and time deposit accounts, alongside IRAs and Certificates of Deposit. On the lending side, SmartFinancial provides commercial and residential real estate loans, consumer real estate loans, construction and land development financing, and commercial and industrial loans, in addition to mortgage and direct consumer installment loans. Complementary services include wealth management, insurance, and modern digital banking solutions like internet and mobile banking.

    SmartFinancial primarily serves individuals and corporate customers within specific geographic regions. Its market presence is concentrated in East and Middle Tennessee, Alabama, and the Florida Panhandle. As of early 2022, the company maintained a substantial operational footprint with 41 full-service branches and two loan production offices spread across these key markets, all managed from its headquarters in Knoxville, Tennessee.

    AI Analysis | Feedback

    Here are 1-3 brief analogies for SmartFinancial (SMBK):

    • Think of it as a smaller, more regionally focused version of Regions Financial, serving parts of Tennessee, Alabama, and the Florida Panhandle.
    • It's like First Horizon, but with a tighter geographic concentration in specific markets across East/Middle Tennessee, Alabama, and the Florida Panhandle.

    AI Analysis | Feedback

    • Deposit Accounts: A variety of savings and checking accounts, including certificates of deposit, money market accounts, and individual retirement accounts, for individuals and businesses.
    • Loan Products: Various credit facilities such as commercial and residential real estate loans, consumer real estate loans, construction and land development loans, commercial and industrial loans, and direct consumer installment loans.
    • Wealth Management Services: Professional services for managing investments and providing financial planning advice to clients.
    • Insurance Services: Offerings that provide coverage and protection against various risks.
    • Mortgage Origination: Services focused on the creation and processing of new mortgage loans for clients.
    • Digital Banking Services: Convenient internet and mobile banking platforms enabling customers to manage accounts and conduct transactions remotely.

    AI Analysis | Feedback

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    SmartFinancial (SMBK), through its subsidiary SmartBank, provides a broad range of financial services to a diverse customer base, primarily serving both individuals and corporate customers rather than having a few "major" identifiable customers. Based on the company's description, its customers can be categorized as:

    1. Individuals (Consumers): This category includes individuals seeking personal banking services such as noninterest-bearing and interest-bearing checking accounts, savings accounts, money market accounts, time deposits, individual retirement accounts, and consumer loans. These loans include residential real estate loans (mortgages), direct consumer installment loans, educational loans, and other revolving credit. Individuals also utilize the bank's wealth management, insurance, and internet/mobile banking services.

    2. Commercial Businesses: This category encompasses various corporate customers across different industries who utilize SmartBank for their business financial needs. Services for these customers include commercial and financial loans, as well as business deposit accounts and treasury management services (implied by serving "corporate customers"). These businesses benefit from the bank's presence in East and Middle Tennessee, Alabama, and the Florida Panhandle.

    3. Real Estate Developers and Investors: This is a specialized segment of business customers focused on real estate-related activities. They typically seek commercial real estate loans and construction and land development loans. Given the explicit mention of "Commercial Real Estate" and "Construction and Land Development" as key operating segments, this group represents a significant portion of the bank's commercial lending activities.

    ```

    AI Analysis | Feedback

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    William Y. ("Billy") Carroll, Jr. President & Chief Executive Officer

    William Y. ("Billy") Carroll, Jr. has served as President and Chief Executive Officer of SmartFinancial since August 2015. He is a co-founder of SmartBank, established in 2007. Prior to his time at SmartBank, Mr. Carroll held various management positions, including Board Member, Executive Vice President, and Chief Financial Officer at Citizens National Bank in Sevierville, Tennessee. He began his career at Kraft CPAs in Nashville, Tennessee. Currently, Mr. Carroll serves as a director for the Federal Reserve Bank of Atlanta and as chairman of the Tennessee Bankers Association.

    Ron Gorczynski Executive Vice President, Chief Financial Officer

    Ron Gorczynski is the Executive Vice President and Chief Financial Officer for SmartFinancial and SmartBank. Before joining SmartBank, he was the Chief Accounting Officer for the Bank of North Carolina, where he played a significant role in its high-growth strategy, which included overseeing 15 acquisitions and growing assets from $1.6 billion to $7.5 billion. Mr. Gorczynski also previously served as Chief Financial Officer for Square 1 Bank in Durham, North Carolina. He is a Certified Public Accountant.

    Wesley M. ("Miller") Welborn Chairman of the Board

    Wesley M. ("Miller") Welborn serves as the Chairman of the Board of Directors for SmartFinancial and SmartBank. He is a co-founder of SmartBank and SmartFinancial. Mr. Welborn's career includes co-founding Partner of Lamp Post Group, a venture capital incubator in Chattanooga, Tennessee, from 2010 to 2015. He also served for over two decades as President of Welborn & Associates, Inc., a transportation consulting firm, and was the former President and Chief Executive Officer of the publicly traded trucking company, Boyd Bros. Transportation, Inc. Notably, he helped grow Access America, a transportation and logistics company that was later acquired by Coyote and then UPS. Prior to his current role, he was Chairman of the Board of Cornerstone Community Bank and led the organization through its merger with SmartFinancial, Inc.

    William Y. ("Bill") Carroll, Sr. Vice Chairman of the Board

    William Y. ("Bill") Carroll, Sr. is the Vice Chairman of the Board for SmartFinancial and SmartBank, and is also a co-founder of SmartBank. His extensive banking career began in 1963 with Hamilton National Bank. He joined Citizens National Bank in 1973, progressing through roles from Vice President to President, Chief Executive Officer, and Chairman of the Board. From 2007 to 2019, he served as SmartBank's Director of Business Development.

    Rhett Jordan Executive Vice President, Chief Credit Officer

    Rhett Jordan is the Executive Vice President and Chief Credit Officer for SmartBank. He possesses over 20 years of experience in the financial industry. Before joining SmartBank, Mr. Jordan held positions as Senior Vice President & East TN Credit Officer for Regions Bank in Knoxville and as Chief Credit Officer for BankEast in Knoxville.

    AI Analysis | Feedback

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    Key Risks to SmartFinancial (SMBK)

    1. Interest Rate Risk: As a bank holding company, SmartFinancial's profitability is highly sensitive to changes in interest rates. The company is in a position where its net interest income is expected to decrease with rising short-term interest rates. Decisions by the Federal Reserve regarding monetary policy and interest rate adjustments significantly influence the company's financial performance.
    2. Credit Risk and Economic Conditions in Market Areas: SmartFinancial's financial results are closely tied to the economic health of its specific market areas, including East and Middle Tennessee, Alabama, and the Florida Panhandle. The company's diverse loan portfolio, which includes commercial real estate, construction and land development, commercial and industrial, and consumer loans, exposes it to significant credit risk. An economic downturn, including factors such as inflation, recession, or natural disasters in these regions, could lead to increased loan defaults and negatively impact the company's asset quality and financial performance.
    3. Operational and Cybersecurity Risks: SmartFinancial is heavily reliant on information technology systems and third-party servicers for its operations. Any failures, interruptions, or security breaches, including cyber-attacks, data breaches, or risks associated with emerging technologies like artificial intelligence, could adversely affect the company's operations, financial condition, and reputation. Such incidents could lead to financial losses, regulatory penalties, and a loss of customer trust.
    ```

    AI Analysis | Feedback

    The clear emerging threat for SmartFinancial is the rapid expansion and adoption of digital-first financial service providers, including neobanks, fintech platforms, and large technology companies entering the financial space. These entities leverage technology to offer banking, lending, payment, and wealth management services with lower overhead costs, often superior digital user experiences, and competitive pricing, directly challenging SmartFinancial's traditional branch-based model and customer acquisition strategies.

    AI Analysis | Feedback

    SmartFinancial, Inc. (SMBK) operates as a bank holding company offering a diverse range of financial services, including deposits, various types of loans, wealth management, and insurance, primarily in East and Middle Tennessee, Alabama, and the Florida Panhandle. While precise market sizes for this specific multi-state region are not consistently available, the addressable markets at the broader U.S. level are substantial. Here are the estimated addressable market sizes for SmartFinancial's main products and services within the United States:

    Banking Services (Deposits and General Banking)

    The U.S. commercial banking market was estimated at USD 765.53 billion in 2026 and is projected to reach USD 954.48 billion by 2031. Another report indicates the U.S. commercial banking market was valued at USD 231.9 billion in 2024 and is expected to reach USD 351.8 billion by 2033. The U.S. retail banking market stands at USD 0.87 trillion in 2025 and is projected to reach USD 1.08 trillion by 2030. SmartFinancial operates within these larger U.S. commercial and retail banking markets through its regional presence.

    Lending Services

    SmartFinancial provides a variety of lending products, including commercial and residential real estate, consumer real estate, construction and land development, commercial and industrial, mortgage, and direct consumer installment loans.
    • Real Estate Loans: The U.S. Real Estate Loan Market was valued at approximately USD 3.5 trillion in 2024 and is projected to grow at a Compound Annual Growth Rate (CAGR) of 10.6%. North America, with the U.S. as a primary contributor, held more than 33.2% of the global real estate loan market in 2024, generating USD 3.78 trillion in revenue. The residential segment alone accounted for over 61% of the total global real estate loan market share in 2024. Specific regional data shows the market size of the Real Estate Loans & Collateralized Debt industry in Alabama is USD 3.8 billion in 2026.
    • Commercial Lending: The global commercial lending market size was valued at USD 10,923.28 billion in 2025 and is projected to grow to USD 28,369.38 billion by 2034.
    • Consumer Lending: The global consumer lending market size was valued at USD 13.05 billion in 2024 and is expected to reach USD 18.80 billion by 2033. Another estimate places the global consumer lending market size at USD 1311.02 billion in 2026, projected to grow to USD 2157.11 billion by 2035. North America is expected to be the largest regional contributor, accounting for approximately 35% of the consumer lending market between 2026 and 2035. The broader U.S. consumer lending market, encompassing traditional mortgages and other consumer credit products, has a market size of USD 27 trillion and is growing.
    • Loan Brokering: The market size for the Loan Brokers industry in Tennessee is estimated at USD 121.2 million in 2026.

    Wealth Management Services

    The U.S. wealth management market is extensive. The global wealth management market size was approximately USD 1636.83 billion in 2024 and is projected to reach around USD 4893.17 billion by 2034. North America contributed about two-thirds of the global wealth management market revenue in 2022. The North American wealth management platform market alone was valued at USD 1.26 billion in 2025 and USD 1.4 billion in 2026.

    Insurance Services

    The U.S. insurance market size was USD 3.7 trillion in 2024 and is forecast to grow to USD 9.1 trillion by 2032. The South region of the U.S., which includes SmartFinancial's operating states of Florida, Alabama, and Tennessee, held the largest market share (40%) in 2024 due to its large population, strong economies, and consistent exposure to climatic risks. The United States life and non-life insurance market was valued at USD 3.239 trillion in 2025 and is estimated to grow to USD 3.98 trillion by 2031. The South region led this market with a 33.88% share in 2025.

    AI Analysis | Feedback

    Here are 4 expected drivers of future revenue growth for SmartFinancial (SMBK) over the next 2-3 years:
    1. Organic Loan and Deposit Growth: SmartFinancial anticipates continued expansion in its core banking activities, with projections indicating high single-digit loan growth. The company has demonstrated strong organic growth in both net loans and non-brokered deposits, which is expected to persist as it deepens its presence in existing markets and adds new client relationships.
    2. Net Interest Margin (NIM) Expansion: The company is strategically focused on improving its net interest margin. Management has provided guidance for NIM expansion, projecting a range of 3.40%–3.45% for Q1 2026, with potential for further modest upside by year-end if interest rates remain stable. This is driven by effective management of deposit costs and enhanced yields on its securities portfolio.
    3. Geographic Expansion and Deeper Market Penetration: SmartFinancial is actively pursuing growth by expanding its footprint into new strategic markets, such as Columbus, GA, and continuing to penetrate more deeply into its current operational areas. This strategy includes the recruitment of experienced regional bankers and sales teams to capitalize on opportunities in markets where the company still has relatively small share.
    4. Growth in Non-Interest Income: Non-interest income is expected to remain a solid contributor to overall revenue. SmartFinancial offers a variety of services, including wealth management, insurance, and mortgage origination, which collectively bolster non-interest revenue streams. The company has seen non-interest income rise, with projections for continued growth in this area.

    AI Analysis | Feedback

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    Share Repurchases

    • SmartFinancial's Board of Directors authorized a new $10 million stock repurchase program (the "2026 Repurchase Plan") on January 30, 2026, which is set to commence on March 1, 2026, and expire on February 28, 2027, unless extended.
    • This new program allows the company to repurchase up to 1.5% of its outstanding common stock through open market transactions.
    • The 2026 Repurchase Plan will replace SmartFinancial's prior stock repurchase plan.

    Share Issuance

    • In March 2026, SmartFinancial granted restricted shares as equity compensation to executives, including 3,414 shares to its EVP & Chief Credit Officer and 990 shares to its Chief Risk Officer, with vesting scheduled for March 10, 2030.
    • As of Q3 2025, SmartFinancial had 17 million shares outstanding.
    • The 2024 Form 10-K report indicated a slight decrease in common stock outstanding during 2024.

    Inbound Investments

    • First Eagle Investment Management LLC acquired a new stake of 32,000 shares in SmartFinancial, valued at approximately $1.143 million in Q3 (likely 2025).
    • CSM Advisors LLC also purchased a new stake in SmartFinancial, valued at approximately $5.996 million in Q2 (likely 2025).
    • Institutional ownership accounts for approximately 59.25% of the company, reflecting significant stakeholder confidence.

    Capital Expenditures

    • SmartFinancial's Property, Plant & Equipment on the balance sheet increased from $77.48 million at the end of 2020 to $89.25 million as of September 30, 2025, demonstrating ongoing investment in fixed assets.
    • Capital expenditures for Q3 2025 were $328K.
    • The primary focus of capital allocation includes continued investment in treasury management and technology/AI.
    ```

    Peer Outperformance in Regional Banks

    SMBK has outperformed 86% of its 262 Regional Banks peers over 5Y. Regional Banks ranks 5th of 18 industries in Financials by median 5Y return.
    Share of Regional Banks constituents that SMBK has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
    1Y
    81%
    of 283 industry peers · 40.2% return
    3Y
    85%
    of 273 industry peers · 129.2% return
    5Y
    86%
    of 262 industry peers · 119.1% return
    No Regional Banks peer with a comparable growth profile has beaten SMBK by more than 20pp over 5Y.
    Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is SMBK's own industry. Use this to see which corners of the sector have carried the returns.
    Industry Names 1Y med3Y med5Y med Top 3 by 5Y
    Investment Banking & Brokerage 13 5.7%134.1%133.9% IBKR 512% · SNEX 252% · GS 187%
    Reinsurance 6 19.3%80.7%117.8% SPNT 140% · MTG 130% · RGA 128%
    Diversified Banks 12 37.4%131.6%101.7% JPM 153% · CM 148% · RY 135%
    Life & Health Insurance 19 11.2%56.2%84.8% UNM 285% · FG 197% · MFC 172%
    Regional Banks ← 263 25.9%86.0%64.5% GCBC 395% · ESQ 364% · NBN 297%
    Property & Casualty Insurance 42 11.1%74.2%63.8% ASIC 2583900% · HRTG 433% · UVE 278%
    Multi-line Insurance 9 13.5%78.4%57.8% GNW 176% · L 101% · SLF 86%
    Consumer Finance 30 10.1%87.8%34.4% ENVA 660% · EZPW 391% · FCFS 185%
    Multi-Sector Holdings 6 1.4%16.7%33.9% JEF 78% · BRK-B 73% · VOYA 66%
    Insurance Brokers 15 -9.5%11.4%33.7% LIFE 571% · AJG 94% · ARX 87%
    Asset Management & Custody Banks 83 -8.7%23.5%25.5% SII 341% · WT 303% · VCTR 289%
    Financial Exchanges & Data 15 -1.6%14.2%13.9% VIRT 216% · CBOE 156% · CME 69%
    Commercial & Residential Mortgage Finance 12 -31.1%19.6%4.5% FNMA 474% · FMCC 460% · ESNT 60%
    Specialized Finance 3 18.7%53.6%3.7% EFC 36% · CACC 4% · HASI -14%
    Mortgage REITs 34 -7.2%13.6%-11.5% RITM 61% · NREF 53% · DX 41%
    Transaction & Payment Processing Services 15 1.4%8.4%-41.3% MA 65% · V 65% · CPAY 58%
    Diversified Capital Markets 21 -29.3%-4.7%-45.9% BTCS 584% · OPY 176% · LPLA 153%
    Diversified Financial Services 5 -6.3%63.2%-58.0% FRHC 166% · EQH 80% · TMS -58%
    Median of constituents with a full price history over each window. Top names are unfiltered by size in this render.

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    Peers to compare with:

    Financials

    SMBKFBKRNSTSFBSTRMKPNFPMedian
    NameSmartFin.FB Finan.Renasant Servisfi.TrustmarkPinnacle. 
    Mkt Price51.0458.6541.5043.3446.52102.2648.78
    Mkt Cap0.93.03.84.72.715.53.4
    Rev LTM2107011,0966196993,306700
    Op Inc LTM-------
    FCF LTM652004034641781,435302
    FCF 3Y Avg51160224309176883200
    CFO LTM732074344732081,536321
    CFO 3Y Avg58169247315205969226

    Growth & Margins

    SMBKFBKRNSTSFBSTRMKPNFPMedian
    NameSmartFin.FB Finan.Renasant Servisfi.TrustmarkPinnacle. 
    Rev Chg LTM12.4%62.9%42.0%20.1%3.9%88.5%31.1%
    Rev Chg 3Y Avg8.5%15.3%19.7%10.1%12.6%37.8%13.9%
    Rev Chg Q13.6%127.4%2.5%27.6%3.9%146.1%20.6%
    QoQ Delta Rev Chg LTM3.3%16.2%0.6%6.2%1.0%26.9%4.8%
    Op Inc Chg LTM-------
    Op Inc Chg 3Y Avg-------
    Op Mgn LTM-------
    Op Mgn 3Y Avg-------
    QoQ Delta Op Mgn LTM-------
    CFO/Rev LTM34.9%29.5%39.6%76.4%29.7%46.5%37.3%
    CFO/Rev 3Y Avg31.1%32.1%28.2%58.7%34.1%44.3%33.1%
    FCF/Rev LTM31.1%28.5%36.8%75.0%25.5%43.4%34.0%
    FCF/Rev 3Y Avg27.5%30.3%25.5%57.5%28.9%39.9%29.6%

    Valuation

    SMBKFBKRNSTSFBSTRMKPNFPMedian
    NameSmartFin.FB Finan.Renasant Servisfi.TrustmarkPinnacle. 
    Mkt Cap0.93.03.84.72.715.53.4
    P/S4.14.33.57.73.94.74.2
    P/Op Inc-------
    P/EBIT-------
    P/E15.015.312.114.811.618.814.9
    P/CFO11.714.58.810.013.110.110.9
    Total Yield7.3%7.9%10.5%7.5%10.8%6.5%7.7%
    Dividend Yield0.7%1.4%2.3%0.8%2.2%1.2%1.3%
    FCF Yield 3Y Avg8.8%7.2%7.8%7.3%7.8%-7.8%
    D/E0.10.10.30.00.20.70.1
    Net D/E-0.8-0.4-0.6-0.4-0.7-1.0-0.7

    Returns

    SMBKFBKRNSTSFBSTRMKPNFPMedian
    NameSmartFin.FB Finan.Renasant Servisfi.TrustmarkPinnacle. 
    1M Rtn2.2%-0.4%-4.5%-1.1%-0.2%0.1%-0.3%
    3M Rtn22.8%11.7%1.8%12.0%5.4%5.8%8.7%
    6M Rtn22.7%0.0%3.8%-0.1%5.2%2.3%3.0%
    12M Rtn40.2%11.6%8.2%-1.9%18.0%9.1%10.3%
    3Y Rtn129.2%98.5%58.7%57.7%115.5%9.1%78.6%
    1M Excs Rtn0.6%-2.4%-7.1%-4.0%-2.7%-0.7%-2.6%
    3M Excs Rtn19.8%8.8%-1.7%8.7%2.2%2.5%5.6%
    6M Excs Rtn11.6%-11.1%-7.3%-11.2%-5.9%-8.8%-8.1%
    12M Excs Rtn26.4%-2.1%-6.9%-15.6%3.7%-10.9%-4.5%
    3Y Excs Rtn51.8%15.8%-20.6%-24.4%37.3%-65.1%-2.4%

    Comparison Analyses

    null

    Financials

    $ Mil | FY: 12/312026Q22026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q3
    Period End6/30/20263/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/2023
    Filing Date8/10/20265/11/20263/16/202611/7/20258/11/20255/12/20253/17/202511/12/20248/9/20245/9/20243/15/202411/9/2023
    Key Financials Quarterly            
    Total Revenue565453474947474440403932
    Net Income1614141412111098962
    EPS0.970.810.820.820.700.670.580.550.480.560.370.12
    Key Financials TTM            
    Total Revenue TTM210203196190187178172164151150152158
    Net Income TTM575350464238363326262935
    Growth Rates Quarterly            
    Total Revenue Growth13.6%14.9%13.9%6.7%21.8%16.8%19.7%39.4%4.4%-6.5%-12.6%-26.2%
    Net Income Growth39.4%21.6%42.1%49.7%46.3%20.3%55.8%342.2%-9.4%-18.6%-52.4%-82.1%
    Margins Quarterly            
    Net Income Margin29.2%25.4%25.7%29.0%23.8%24.0%20.6%20.7%19.8%23.3%15.8%6.5%
    Cash & Debt            
    Total Cash827784888927682911856692781866703746
    Total Debt9999991394444444550485050
    Net Debt / (Cash)-728-685-789-788-638-867-812-647-730-818-653-696
    Cash Flows Quarterly            
    FCF from Operations2416171714141712177127
    Cash Flows TTM            
    FCF from Operations TTM736462625760534842354043
    Returns to Shareholders Quarterly            
    Dividends211111111111
    Share Repurchases-0-0-0-0-0-0-0-0-0-0-0-0
    Return on Invested Capital (ROIC) Quarterly            
    ROIC------------
    Return on Invested Capital (ROIC) TTM            
    ROIC TTM------------

    Segment Financials

    Revenue by Segment
    $ Mil20252024202320222021
    Banking Segment200172152165 
    Single Segment    137
    Total200172152165137


    Net Income by Segment
    $ Mil2025202420232022
    Banking Segment50362943
    Total50362943


    Price Behavior

    Price Behavior
    Market Price$51.04 
    Market Cap ($ Bil)0.9 
    First Trading Date12/21/2015 
    Distance from 52W High-4.1% 
       50 Days200 Days
    DMA Price$48.89$41.74
    DMA Trendupup
    Distance from DMA4.4%22.3%
     3M1YR
    Volatility22.9%24.9%
    Downside Capture-41.6928.22
    Upside Capture58.4861.52
    Correlation (SPY)-16.3%23.1%
    SMBK Betas & Captures as of 7/31/2026

     1M2M3M6M1Y3Y
    Beta0.08-0.36-0.160.330.510.77
    Up Beta-1.94-1.52-0.890.010.620.70
    Down Beta-0.26-0.51-0.51-0.140.320.79
    Up Capture168%84%71%83%68%69%
    Bmk +ve Days11223567138427
    Stock +ve Days11263876141379
    Down Capture-10%-75%-36%35%40%90%
    Bmk -ve Days11212859114326
    Stock -ve Days11172549109370

    [1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
    Based On 1-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with SMBK
    SMBK46.6%25.2%1.47-
    Sector ETF (XLF)10.1%14.6%0.4450.8%
    Equity (SPY)21.1%12.9%1.2222.9%
    Gold (GLD)37.5%28.8%1.10-2.4%
    Commodities (DBC)43.2%20.2%1.66-30.4%
    Real Estate (VNQ)12.9%13.8%0.6441.9%
    Bitcoin (BTCUSD)-31.6%44.1%-0.736.4%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 5-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with SMBK
    SMBK16.8%28.3%0.56-
    Sector ETF (XLF)10.1%18.4%0.4156.8%
    Equity (SPY)12.9%17.2%0.5742.8%
    Gold (GLD)20.6%18.6%0.90-0.7%
    Commodities (DBC)10.4%19.6%0.412.7%
    Real Estate (VNQ)2.3%18.9%0.0244.7%
    Bitcoin (BTCUSD)10.4%52.8%0.3811.8%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 10-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with SMBK
    SMBK13.7%34.7%0.46-
    Sector ETF (XLF)13.5%22.0%0.5656.2%
    Equity (SPY)15.2%17.9%0.7247.1%
    Gold (GLD)12.7%16.2%0.64-0.8%
    Commodities (DBC)8.0%18.0%0.3613.6%
    Real Estate (VNQ)5.0%20.7%0.2044.8%
    Bitcoin (BTCUSD)63.1%66.1%1.0310.3%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How

    Short Interest

    Short Interest: As Of Date7312026
    Short Interest: Shares Quantity0.3 Mil
    Short Interest: % Change Since 71520261.6%
    Average Daily Volume0.2 Mil
    Days-to-Cover Short Interest2.1 days
    Basic Shares Quantity16.8 Mil
    Short % of Basic Shares2.0%

    Returns Analyses

    Earnings Returns History

    Updated 8/20/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/20/20262.0%7.6%9.1%
    4/20/20260.9%-0.5%-4.1%
    1/20/20263.6%1.2%6.3%
    10/21/20253.0%0.5%-1.3%
    7/21/2025-1.8%-2.1%-2.3%
    4/21/20256.7%6.3%13.9%
    1/21/20258.1%10.9%10.7%
    10/21/20243.0%9.7%18.9%
    ...
    SUMMARY STATS   
    # Positive151718
    # Negative976
    Median Positive2.8%3.2%5.6%
    Median Negative-1.4%-1.9%-5.6%
    Max Positive8.1%10.9%18.9%
    Max Negative-5.1%-4.7%-7.8%
     Collapse to Preview
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/20/20262.0%7.6%9.1%
    4/20/20260.9%-0.5%-4.1%
    1/20/20263.6%1.2%6.3%
    10/21/20253.0%0.5%-1.3%
    7/21/2025-1.8%-2.1%-2.3%
    4/21/20256.7%6.3%13.9%
    1/21/20258.1%10.9%10.7%
    10/21/20243.0%9.7%18.9%
    7/22/20243.4%2.7%1.4%
    4/22/20242.8%4.8%18.4%
    1/22/2024-1.3%4.1%-7.2%
    10/23/2023-1.0%2.1%4.9%
    7/24/2023-2.1%1.9%-7.8%
    4/24/20230.3%-3.5%3.5%
    1/23/20230.8%-1.8%0.6%
    10/24/20222.8%6.1%8.1%
    7/25/2022-1.0%3.2%4.8%
    4/25/2022-1.4%-1.8%0.3%
    1/24/2022-5.1%-4.7%-7.3%
    10/19/20211.4%1.0%3.8%
    7/20/20211.9%1.8%2.4%
    4/20/20214.5%6.7%7.3%
    1/19/2021-1.4%-1.9%1.5%
    10/20/2020-1.4%1.7%17.2%
    SUMMARY STATS   
    # Positive151718
    # Negative976
    Median Positive2.8%3.2%5.6%
    Median Negative-1.4%-1.9%-5.6%
    Max Positive8.1%10.9%18.9%
    Max Negative-5.1%-4.7%-7.8%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    06/30/202608/10/202610-Q
    03/31/202605/11/202610-Q
    12/31/202503/16/202610-K
    09/30/202511/07/202510-Q
    06/30/202508/11/202510-Q
    03/31/202505/12/202510-Q
    12/31/202403/17/202510-K
    09/30/202411/12/202410-Q
    06/30/202408/09/202410-Q
    03/31/202405/09/202410-Q
    12/31/202303/15/202410-K
    09/30/202311/09/202310-Q
    06/30/202308/09/202310-Q
    03/31/202305/10/202310-Q
    12/31/202203/16/202310-K
    09/30/202211/09/202210-Q
     Collapse to Preview
    Report DateFiling DateFiling
    06/30/202608/10/202610-Q
    03/31/202605/11/202610-Q
    12/31/202503/16/202610-K
    09/30/202511/07/202510-Q
    06/30/202508/11/202510-Q
    03/31/202505/12/202510-Q
    12/31/202403/17/202510-K
    09/30/202411/12/202410-Q
    06/30/202408/09/202410-Q
    03/31/202405/09/202410-Q
    12/31/202303/15/202410-K
    09/30/202311/09/202310-Q
    06/30/202308/09/202310-Q
    03/31/202305/10/202310-Q
    12/31/202203/16/202310-K
    09/30/202211/09/202210-Q
    06/30/202208/09/202210-Q
    03/31/202205/10/202210-Q
    12/31/202103/14/202210-K
    09/30/202111/09/202110-Q
    06/30/202108/09/202110-Q
    03/31/202105/10/202110-Q
    12/31/202003/16/202110-K
    09/30/202011/06/202010-Q
    06/30/202008/10/202010-Q
    03/31/202005/11/202010-Q
    12/31/201903/12/202010-K
    09/30/201911/08/201910-Q

    Insider Activity

    Updated 8/4/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Jordan, Rhett DEVP & CHIEF CREDIT OFFICERDirectSell804202652.7543022,682599,873Form
    2Jordan, Rhett DEVP & CHIEF CREDIT OFFICERDirectSell612202645.0040018,000531,090Form
    3Barrett, Victor LynnDirectBuy610202643.783,000131,3406,642,477Form
    4Ackermann, Cathy GDirectBuy604202642.123,000126,360835,282Form
    5Shomaker, Kelli DDirectBuy504202641.3029011,97787,556Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Jordan, Rhett DEVP & CHIEF CREDIT OFFICERDirectSell804202652.7543022,682599,873Form
    2Jordan, Rhett DEVP & CHIEF CREDIT OFFICERDirectSell612202645.0040018,000531,090Form
    3Barrett, Victor LynnDirectBuy610202643.783,000131,3406,642,477Form
    4Ackermann, Cathy GDirectBuy604202642.123,000126,360835,282Form
    5Shomaker, Kelli DDirectBuy504202641.3029011,97787,556Form
    6Jordan, Rhett DEVP & CHIEF CREDIT OFFICERDirectSell424202641.8550020,925510,654Form
    7Welborn, Wesley MillerCHAIRMAN OF THE BOARDDirectBuy210202643.1383536,0144,160,665Form
    8Shomaker, Kelli DDirectBuy128202639.3825510,04240,246Form
    9Tucker, Steven BDirectSell1211202538.0110,625403,8561,897,231Form
    10Jordan, Rhett DEVP & CHIEF CREDIT OFFICERDirectSell1118202535.002508,750353,640Form

    Investor Activity (13F)

    Updated Aug 24, 2026
    13F holdings as of Mar 31, 2026 (Q1 2026)

    Active managers (13F portfolio over $250M, at least 3 holdings) with a position over $5M that is either over 10% of their portfolio or held in a concentrated book of 50 or fewer total positions. Index/ETF, sovereign, bank, community-bank and charitable/donor-advised filers are excluded.

    Active ManagerValue% of PortfolioTotal PositionsQoQFiling
    Stieven Capital Advisors, L.P.$5.8 Mil1.2%35Hold13F
    Active Manager
    Active Manager
    Active ManagerValue% of PortfolioTotal PositionsQoQFiling
    Stieven Capital Advisors, L.P.$5.8 Mil1.2%35Hold13F

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