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Smartfinancial, inc.SMBK.US Overview

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SMBK Recent Performance

1.54%

Smartfinancial, inc.

0.23%

Avg of Sector

-0.49%

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SMBK Key Information

SMBK Valuation Metrics

SMBK Profile

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.

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SMBK FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

SMBK Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
3.09
PE Ratio (TTM)
13.52
Forward PE
14.10
PS Ratio (TTM)
3.67
PB Ratio
1.28
Price-to-FCF
11.58
METRIC
VALUE
vs. INDUSTRY
Gross Margin
87.60%
Net Margin
23.04%
Revenue Growth (YoY)
33.43%
Profit Growth (YoY)
16.89%
3-Year Revenue Growth
24.74%
3-Year Profit Growth
8.31%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
3.09
PE Ratio (TTM)
13.52
Forward PE
14.10
PS Ratio (TTM)
3.67
PB Ratio
1.28
Price-to-FCF
11.58
Gross Margin
87.60%
Net Margin
23.04%
Revenue Growth (YoY)
33.43%
Profit Growth (YoY)
16.89%
3-Year Revenue Growth
24.74%
3-Year Profit Growth
8.31%
  • When is SMBK's latest earnings report released?

    The most recent financial report for Smartfinancial, inc. (SMBK) covers the period of 2026Q1 and was published on 2026/03/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating SMBK's short-term business performance and financial health. For the latest updates on SMBK's earnings releases, visit this page regularly.

  • Where does SMBK fall in the P/E River chart?

    According to historical valuation range analysis, Smartfinancial, inc. (SMBK)'s current price-to-earnings (P/E) ratio is 12.01, placing it in the Watch zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of SMBK?

    According to the latest financial report, Smartfinancial, inc. (SMBK) reported an Operating Profit of 16.76M with an Operating Margin of 20.39% this period, representing a growth of 23.62% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is SMBK's revenue growth?

    In the latest financial report, Smartfinancial, inc. (SMBK) announced revenue of 82.21M, with a Year-Over-Year growth rate of 79.28%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much debt does SMBK have?

    As of the end of the reporting period, Smartfinancial, inc. (SMBK) had total debt of 101.91M, with a debt ratio of 0.02. Long-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.

  • How much cash does SMBK have?

    At the end of the period, Smartfinancial, inc. (SMBK) held Total Cash and Cash Equivalents of 346.07M, accounting for 0.06 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does SMBK go with three margins increasing?

    In the latest report, Smartfinancial, inc. (SMBK) achieved the “three margins increasing” benchmark, with a gross margin of 65.46%%, operating margin of 20.39%%, and net margin of 16.64%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess SMBK's profit trajectory and future growth potential.

  • Is SMBK's EPS continuing to grow?

    According to the past four quarterly reports, Smartfinancial, inc. (SMBK)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.81. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of SMBK?

    Smartfinancial, inc. (SMBK)'s Free Cash Flow (FCF) for the period is 16.18M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 5.37% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of SMBK?

    The latest valuation data shows Smartfinancial, inc. (SMBK) has a Price-To-Earnings (PE) ratio of 12.01 and a Price/Earnings-To-Growth (PEG) ratio of -9.85. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.