SmartFinancial, Inc. (SMBK) AI Stock Analysis

SmartFinancial, Inc. is a bank holding company that oversees SmartBank, providing financial services to individual and corporate clients. Headquartered in Knoxville, Tennessee, it operates across Commercial Real Estate, Consumer Real Estate, Construction and Land Development, Commercial and Industrial, and Consumer and Other segments. Deposit products include checking, savings, money market accounts, time deposits, IRAs, and CDs. Its lending portfolio covers commercial and residential real estate, construction, commercial and industrial, and consumer loans. It also provides wealth management, insurance, mortgage origination, and digital banking platforms. As of March 1, 2022, it operated 41 full-service branches and 2 loan production offices across East and Middle Tennessee, Alabama, and the Florida Panhandle.

Annual revenue rose from $149.2M in FY2021 to $316.4M in FY2025, reflecting a 5-year revenue CAGR of 18.9%. In FY2025, revenue increased 10.9%, while net income expanded to $50.3M and EPS reached $3.03, up from $36.1M and $2.06 respectively in FY2024. Operating margin stood at 19.4% in FY2025 compared to 15.9% in FY2024, though gross margin of 61.0% remains lower than the 91.0% recorded in FY2021. For the trailing twelve months ended June 30, 2026, revenue stood at $204.2M with an operating margin of 41.7% and a profit margin of 28.1%. In the latest quarter, quarterly revenue grew 16.4% year-over-year while quarterly earnings rose 39.1%.

As of June 30, 2026, SmartFinancial held $642.9M in cash and short-term investments against total debt of $110.4M, resulting in net cash of $532.5M. Total assets stood at $6.12B, with shareholders' equity of $576.8M and a debt-to-equity ratio of 0.19. The current ratio was 260.57. During FY2025, operating cash flow reached $61.7M and free cash flow was $59.3M. The company used cash for $2.4M in capital expenditures and paid $5.5M in dividends.

At $50.84, SmartFinancial trades at a trailing P/E of 15.0x and a forward P/E of 14.1x, which compares to the median of its US-listed Financial Services peers of 12.1x trailing and 10.8x forward. Its price-to-sales multiple is 4.3x versus the peer median of 3.2x, while its price-to-book ratio is 1.5x. SmartFinancial's stock generated a 1-year return of 49.6% and a 5-year return of 107.6%, outperforming the SPY returns of 16.8% and 83.0% over the same periods.

SmartFinancial pays a quarterly dividend with an annualized forward payout of $0.34 per share, translating to a dividend yield of 0.67%. Its payout ratio is 9.9%. The company has paid consecutive dividends for 8 years, achieving a 5-year annualized dividend growth rate of 9.9%. The last ex-dividend date was July 31, 2026.

SmartFinancial carries 2 Strong Buy and 4 Hold ratings from analysts, with no Buy, Sell, or Strong Sell recommendations. The mean price target is $52.88, representing 4.0% above the last close of $50.84. For the fiscal year ending December 31, 2026, consensus estimates project revenue of $226.7M and EPS of $3.74, a 23.3% increase in EPS. The company beat EPS estimates in each of the last 4 quarters, with its next earnings date scheduled for October 19, 2026.

This page is an AI-written research summary of SmartFinancial, Inc. (SMBK). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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