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SmartFinancial

SMBK

SmartFinancial, Inc. is a bank holding company that operates primarily through its subsidiary, SmartBank, to provide comprehensive financial services across the Southeastern United States.

Market cap
$895.96M+57.4%
Revenue$214.1M+14.5%
Net income$57.4M+37.5%
EPS (diluted)$3.39+37.3%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 20, 2026 (in 2 months)
Revenue estimate$57.6M
EPS estimate$0.96

Financials

Q2 2026

Income statement

See full
Revenue$56.0M+13.6%
Net income$16.3M+39.4%
EPS (diluted)$0.96+39.1%

Balance sheet

See full
Cash & equivalents$379.4M+3.9%
Total equity$576.9M+11.2%
Total assets$6.1B+11.4%

Valuation & ratios

Valuation

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Market cap$895.96M+57.4%
P/E15.6×+1.9×
P/S4.2×+1.1×

Profitability

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Net margin26.8%+4.5pp

Returns & leverage

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Return on equity10.5%+2.1pp

Competitors

Profile

SmartFinancial, Inc. is a bank holding company that operates primarily through its subsidiary, SmartBank, to provide comprehensive financial services across the Southeastern United States. The company focuses on attracting public deposits and deploying capital into a diverse portfolio of commercial, real estate, and consumer loans. Its value proposition centers on a disciplined growth strategy that combines organic expansion with strategic mergers and acquisitions to serve small and medium-sized businesses and individual clients.

Competitive position

A regional community bank focused on the Southeast US with a strategy of disciplined M&A and organic growth.

GeographiesUnited States, Tennessee, Alabama, Florida, Georgia
Customer segmentsRetail, SME, Commercial
Business modelInterest Income, Fee-based Services, Equipment Leasing
SuppliersFederal Reserve System, Federal Home Loan Bank (FHLB), Depositors, U.S. Treasury
CustomersHomeowners, Real Estate Developers, Small and Medium Enterprises, Transportation and Logistics Companies
Listed2003
Employees585.0
CEOWilliam Young Carroll Jr.
FilingsSEC EDGAR

FAQ

What is SmartFinancial's market cap?
SmartFinancial (SMBK) has a market capitalization of $896.0M and trades on NYSE.
What is SmartFinancial's revenue and profitability?
SmartFinancial generated $214.1M in trailing twelve-month revenue with net income of $57.4M, representing a net margin of 26.8%. These figures are based on the Q2 2026 filing.
Who are SmartFinancial's competitors?
SmartFinancial's key competitors include Regions Financial Corporation, Pinnacle Financial Partners, First Horizon Corporation, and others. These companies compete in similar markets and product categories.
What subsidiaries does SmartFinancial have?
SmartFinancial's subsidiaries include SmartBank, Fountain Equipment Finance, LLC.
Where is SmartFinancial headquartered?
SmartFinancial is headquartered in United States of America and employs approximately 585 people. It has been publicly traded since 2003.