Smartfinancial Inc. (SMBK)
NYSE · National Commercial Banks · Finance, insurance and real estate · CIK 1038773 · fiscal year ends in Dec
Closing price $49.05 on 29 Oct 2026; 52-week range $34.61 to $53.23.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $214.1M
- Revenue growth
- 14.5%
- Net income, last twelve months
- $57.4M
- Earnings per share
- $3.39
- Net margin
- 26.8%
- Free cash flow
- $65.4M
- Return on equity
- 9.9%
- Market value
- $838.7M
- Price to earnings
- 14.5x
- Dividend yield
- 0.7%
- Cash
- $379.4M
- Debt
- $99.4M
- Debt to equity
- 0.17
- Shares outstanding
- 17.1M
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 31 Dec 2025 | $200.5M | – | $50.3M | $2.98 | $59.3M | 10-K filed 16 Mar 2026 |
| FY2024 | 31 Dec 2024 | $171.5M | – | $36.1M | $2.14 | $46.3M | 10-K filed 17 Mar 2025 |
| FY2023 | 31 Dec 2023 | $152.4M | – | $28.6M | $1.69 | $33.4M | 10-K filed 15 Mar 2024 |
| FY2022 | 31 Dec 2022 | $165.2M | – | $43.0M | $2.55 | $44.3M | 10-K filed 16 Mar 2023 |
| FY2021 | 31 Dec 2021 | $137.3M | – | $34.8M | $2.22 | $43.8M | 10-K filed 14 Mar 2022 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q2 FY2026 | 30 Jun 2026 | $56.0M | $16.3M | $0.96 |
| Q1 FY2026 | 31 Mar 2026 | $53.8M | $13.7M | $0.81 |
| Q4 FY2025 | 31 Dec 2025 | $53.3M | $13.7M | $0.81 |
| Q3 FY2025 | 30 Sep 2025 | $51.1M | $13.7M | $0.81 |
| Q2 FY2025 | 30 Jun 2025 | $49.2M | $11.7M | $0.69 |
| Q1 FY2025 | 31 Mar 2025 | $46.8M | $11.3M | $0.67 |
| Q4 FY2024 | 31 Dec 2024 | $46.8M | $9.6M | $0.57 |
| Q3 FY2024 | 30 Sep 2024 | $44.2M | $9.1M | $0.54 |
Company events
The newest 8-K filings of 254 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 19 Oct 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 20 Jul 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 22 May 2026 | 8-K | Shareholder vote | 5.07 |
| 30 Apr 2026 | 8-K | Investor update | 7.01, 9.01 |
| 20 Apr 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 31 Mar 2026 | 8-K | Leadership change, Investor update | 5.02, 7.01, 9.01 |
| 30 Jan 2026 | 8-K | Investor update | 7.01, 9.01 |
| 20 Jan 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 5 Jan 2026 | 8-K | Other events | 8.01, 9.01 |
| 3 Nov 2025 | 8-K | Investor update | 7.01, 9.01 |
| 21 Oct 2025 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 8 Sep 2025 | 8-K | Other events | 8.01 |
Every filing
The newest filings with the SEC of 564 held.
| Filed | Form | Period |
|---|---|---|
| 19 Oct 2026 | 8-K | 19 Oct 2026 |
| 10 Aug 2026 | 10-Q | 30 Jun 2026 |
| 20 Jul 2026 | 8-K | 20 Jul 2026 |
| 22 May 2026 | 8-K | 21 May 2026 |
| 13 May 2026 | EFFECT | – |
| 11 May 2026 | 10-Q | 31 Mar 2026 |
| 11 May 2026 | CORRESP | – |
| 5 May 2026 | UPLOAD | – |
| 1 May 2026 | S-3 | – |
| 30 Apr 2026 | 8-K | 30 Apr 2026 |
| 20 Apr 2026 | 8-K | 20 Apr 2026 |
| 7 Apr 2026 | DEFA14A | – |
Insider trades
Form 4 trades by officers, directors and 10% owners, last 12 months.
| Traded | Insider | Type | Shares | Price | Value | Held after | Form 4 |
|---|---|---|---|---|---|---|---|
| 26 Oct 2026 | Jordan Rhett D., EVP & CHIEF CREDIT OFFICER | Sale outside a trading plan | 200 | $49.80 | $10.0K | 10,942 | 26 Oct 2026 |
| 23 Oct 2026 | Tucker Steven B., Director | Sale outside a trading plan | 3,500 | $49.50 | $173.3K | 47,222 | 26 Oct 2026 |
| 14 Sep 2026 | Jordan Rhett D., EVP & CHIEF CREDIT OFFICER | Sale outside a trading plan | 230 | $52.05 | $12.0K | 11,142 | 14 Sep 2026 |
| 4 Aug 2026 | Jordan Rhett D., EVP & CHIEF CREDIT OFFICER | Sale outside a trading plan | 430 | $52.75 | $22.7K | 11,372 | 4 Aug 2026 |
| 12 Jun 2026 | Jordan Rhett D., EVP & CHIEF CREDIT OFFICER | Sale outside a trading plan | 400 | $45.00 | $18.0K | 11,802 | 12 Jun 2026 |
| 10 Jun 2026 | Barrett Victor Lynn, Director | Purchase | 3,000 | $43.78 | $131.3K | 151,724 | 10 Jun 2026 |
| 4 Jun 2026 | Ackermann Cathy G, Director | Purchase | 3,000 | $42.12 | $126.4K | 19,831 | 4 Jun 2026 |
| 4 May 2026 | Shomaker Kelli D, Director | Purchase | 290 | $41.30 | $12.0K | 2,120 | 4 May 2026 |
| 24 Apr 2026 | Jordan Rhett D., EVP & CHIEF CREDIT OFFICER | Sale outside a trading plan | 500 | $41.85 | $20.9K | 12,202 | 24 Apr 2026 |
| 9 Feb 2026 | Welborn Wesley Miller, CHAIRMAN OF THE BOARD | Purchase | 835 | $43.13 | $36.0K | 96,468 | 10 Feb 2026 |
| 27 Jan 2026 | Shomaker Kelli D, Director | Purchase | 255 | $39.38 | $10.0K | 1,022 | 28 Jan 2026 |
| 10 Dec 2025 | Tucker Steven B., Director | Sale outside a trading plan | 10,625 | $38.01 | $403.9K | 49,914 | 11 Dec 2025 |
Planned insider sales
Form 144 notices, filed when the sell order goes to the broker.
| Filed | Seller | Shares | Value | Planned sale |
|---|---|---|---|---|
| 23 Oct 2026 | STEVEN B TUCKER, Director | 3,500 | $173.3K | 23 Oct 2026 |
| 10 Dec 2025 | STEVEN B TUCKER, Director | 10,625 | $403.9K | 10 Dec 2025 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 27 Apr 2026 | BlackRock, Inc. | 13G amended | 6% | 1.0M |
| 14 Jan 2026 | LEHMAN KENNETH R | 13G amended | 4.2% | 684.8K |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 642.5K | +1.02% | 7.06 |
| 30 Sep 2026 | 636.0K | +27.6% | 3.94 |
| 15 Sep 2026 | 498.5K | +26.17% | 4.91 |
| 31 Aug 2026 | 395.1K | +7.69% | 4.35 |
| 14 Aug 2026 | 366.9K | +10.03% | 2.95 |
| 31 Jul 2026 | 333.4K | +1.56% | 2.08 |
| 15 Jul 2026 | 328.3K | +7.4% | 3.89 |
| 30 Jun 2026 | 305.7K | +39.08% | 1.97 |
Funds that hold it
From each fund's latest Form 13F.
199 funds held it at 30 Jun 2026: 104 added and 38 trimmed in the quarter. The largest:
| Fund | Shares | Value | Change in the quarter |
|---|---|---|---|
| BlackRock, Inc. | 1,468,195 | $68.9M | +183,638 |
| Dimensional Fund Advisors LP | 836,086 | $39.2M | -302 |
| Vanguard Capital Management LLC | 679,819 | $31.9M | -598 |
| First Eagle Investment Management, LLC | 638,678 | $30.0M | – |
| Wellington Management Group LLP | 594,386 | $27.9M | -80,961 |
| State Street Corp. | 457,060 | $21.4M | +16,528 |
| American Century Companies Inc. | 448,667 | $21.1M | +76,854 |
| Private Capital Management, LLC | 432,512 | $20.3M | +4,365 |
| Geode Capital Management, LLC | 381,419 | $17.9M | +26,058 |
| Acadian Asset Management LLC | 346,492 | $16.3M | +62,313 |
Peers
Companies in the same industry.
- JPMorgan Chase & Co. (JPM): revenue $199.4B, market value $913.2B
- Bank of America Corp. (BAC): revenue –, market value $358.9B
- Wells Fargo & Company (WFC): revenue $87.2B, market value $254.6B
- Citigroup Inc. (C): revenue $91.4B, market value $211.0B
- Capital One Financial Corp. (COF): revenue $62.0B, market value $128.1B
- Mizuho Financial Group Inc. (MFG): revenue $29.9B, market value $122.0B
- U.S. Bancorp (USB): revenue $29.6B, market value $94.5B
- PNC Financial Services Group, Inc. (PNC): revenue $25.0B, market value $92.5B
- Truist Financial Corp. (TFC): revenue $19.4B, market value $59.1B
- Huntington Bancshares Inc. (HBAN): revenue $10.4B, market value $32.2B