Skip to content 
SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers in Tennessee, Alabama, and Florida. The company accepts various deposits, including noninterest-bearing and interest-bearing checking, savings, money market, and 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 and leases; commercial business and mortgage loans; direct consumer installment, educational, agriculture, and other revolving credit loans; equipment financing, heavy equipment, semis, and trailers loans and leases to small and medium sized businesses; letters of credit; and overdraft facilities. In addition, the company offers wealth management, insurance, mortgage origination, and internet and mobile banking services. SmartFinancial, Inc. is headquartered in Knoxville, Tennessee. more
| Time Frame | SMBK | Sector | S&P500 |
|---|---|---|---|
| 1-Week Return | 0.7% | 0.97% | 0.42% |
| 1-Month Return | 7.08% | -1.97% | 1.02% |
| 3-Month Return | 20.52% | 2.03% | 4.93% |
| 6-Month Return | 18.84% | -1.36% | 7.32% |
| 1-Year Return | 17.53% | 1.48% | 12.16% |
| 3-Year Return | 52.97% | 46.32% | 71.63% |
| 5-Year Return | 95.41% | 59.43% | 76.95% |
| 10-Year Return | 170.29% | 201.25% | 252.5% |
| Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | 5YR TREND | |
|---|---|---|---|---|---|---|
| Total Revenue | 149.18M | 186.55M | 240.37M | 285.27M | 316.37M | [{"date":"2021-12-31","value":47.15,"profit":true},{"date":"2022-12-31","value":58.97,"profit":true},{"date":"2023-12-31","value":75.98,"profit":true},{"date":"2024-12-31","value":90.17,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| Cost of Revenue | 13.47M | 25.35M | 90.99M | 118.92M | 123.48M | [{"date":"2021-12-31","value":10.91,"profit":true},{"date":"2022-12-31","value":20.53,"profit":true},{"date":"2023-12-31","value":73.69,"profit":true},{"date":"2024-12-31","value":96.31,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| Gross Profit | 135.71M | 161.20M | 149.38M | 166.35M | 192.88M | [{"date":"2021-12-31","value":70.36,"profit":true},{"date":"2022-12-31","value":83.57,"profit":true},{"date":"2023-12-31","value":77.44,"profit":true},{"date":"2024-12-31","value":86.24,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| Gross Margin | 90.97% | 86.41% | 62.14% | 58.31% | 60.97% | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":94.99,"profit":true},{"date":"2023-12-31","value":68.31,"profit":true},{"date":"2024-12-31","value":64.1,"profit":true},{"date":"2025-12-31","value":67.02,"profit":true}] |
| Operating Expenses | 91.39M | 106.29M | 113.15M | 120.89M | 131.38M | [{"date":"2021-12-31","value":69.56,"profit":true},{"date":"2022-12-31","value":80.9,"profit":true},{"date":"2023-12-31","value":86.12,"profit":true},{"date":"2024-12-31","value":92.01,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| Operating Income | 44.32M | 54.91M | 36.23M | 45.46M | 61.50M | [{"date":"2021-12-31","value":72.06,"profit":true},{"date":"2022-12-31","value":89.28,"profit":true},{"date":"2023-12-31","value":58.9,"profit":true},{"date":"2024-12-31","value":73.91,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| Total Non-Operating Income/Expense | 103.51M | 129.21M | 13.90M | (66.99M) | - | [{"date":"2021-12-31","value":80.1,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":10.76,"profit":true},{"date":"2024-12-31","value":-51.84,"profit":false},{"date":"2025-12-31","value":"-","profit":true}] |
| Pre-Tax Income | 44.32M | 54.91M | 36.23M | 45.46M | 61.50M | [{"date":"2021-12-31","value":72.06,"profit":true},{"date":"2022-12-31","value":89.28,"profit":true},{"date":"2023-12-31","value":58.9,"profit":true},{"date":"2024-12-31","value":73.91,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| Income Taxes | 9.53M | 11.89M | 7.63M | 9.32M | 11.15M | [{"date":"2021-12-31","value":80.17,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":64.22,"profit":true},{"date":"2024-12-31","value":78.39,"profit":true},{"date":"2025-12-31","value":93.84,"profit":true}] |
| Income After Taxes | 34.79M | 43.02M | 28.59M | 36.14M | - | [{"date":"2021-12-31","value":80.87,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":66.46,"profit":true},{"date":"2024-12-31","value":84.01,"profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Income From Continuous Operations | 34.79M | 43.02M | 28.59M | 36.14M | - | [{"date":"2021-12-31","value":80.87,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":66.46,"profit":true},{"date":"2024-12-31","value":84.01,"profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Income From Discontinued Operations | - | - | - | - | - | [{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":"-","profit":true},{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Net Income | 34.79M | 43.02M | 28.59M | 36.14M | 50.35M | [{"date":"2021-12-31","value":69.1,"profit":true},{"date":"2022-12-31","value":85.45,"profit":true},{"date":"2023-12-31","value":56.79,"profit":true},{"date":"2024-12-31","value":71.78,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| EPS (Diluted) | 2.40 | 2.57 | 2.04 | 2.06 | 3.03 | [{"date":"2021-12-31","value":79.21,"profit":true},{"date":"2022-12-31","value":84.82,"profit":true},{"date":"2023-12-31","value":67.33,"profit":true},{"date":"2024-12-31","value":67.99,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
These ratios help you determine the liquidity of the company. Higher is better.
| SMBK | |
|---|---|
| Cash Ratio | 0.21 |
| Current Ratio | 1.06 |
These ratios help you understand the company's efficiency in using its assets to generate returns. Higher is better. For ROE, average long term is around 14%, less than 10% is poor.
| SMBK | |
|---|---|
| ROA (LTM) | 0.90% |
| ROE (LTM) | 9.65% |
These ratios help you understand the company's liabilities, gauging the riskiness of the investment.
| SMBK | |
|---|---|
| Debt Ratio Lower is generally better. Negative is bad. | 0.90 |
| Common Equity/Total Assets Higher is better. Lower can suggest investment is riskier. | 0.10 |
These ratios help you understand the company's valuation. Lower may indicate cheaper stocks.
| SMBK | |
|---|---|
| Trailing PE | 13.89 |
| Forward PE | 14.10 |
| P/S (TTM) | 3.66 |
| P/B | 1.28 |
| Price/FCF | 43 |
| EV/R | 4.10 |
| EV/Ebitda | NM |
| PEG | NM |
SmartFinancial, Inc. (SMBK) share price today is $41.76
Yes, Indians can buy shares of SmartFinancial, Inc. (SMBK) on Vested. To buy
Yes, you can purchase fractional shares of SmartFinancial, Inc. (SMBK) via the Vested app. You can start investing in SmartFinancial, Inc. (SMBK) with a minimum investment of $1.
You can invest in shares of SmartFinancial, Inc. (SMBK) via Vested in three simple steps:
The 52-week high price of SmartFinancial, Inc. (SMBK) is $43.82. The 52-week low price of SmartFinancial, Inc. (SMBK) is $26.07.
The price-to-earnings (P/E) ratio of SmartFinancial, Inc. (SMBK) is 13.8523
The price-to-book (P/B) ratio of SmartFinancial, Inc. (SMBK) is 1.28
The dividend yield of SmartFinancial, Inc. (SMBK) is 0.77%
The market capitalization of SmartFinancial, Inc. (SMBK) is $704.84M
The stock symbol (or ticker) of SmartFinancial, Inc. is SMBK
Consider the share price of SmartFinancial, Inc. as a long-term story and not a daily point list. The price represents a movement of the stock in both good and bad times when looked at over many years. This assists the investors to know whether SmartFinancial, Inc. has succeeded to expand steadily and overcome market declines. With this price movement observed and the way the business is progressing, it is easier to make a decision whether the stock is worth having in the long term or not.
When investing in SmartFinancial, Inc. shares, you are not based in India then your investment is not just based on the stock price. It is also determined by the currency movement of the dollar in relation to the rupee. When you have an appreciation of the SmartFinancial, Inc. stock and the dollar appreciation is also the same, you gain more in terms of rupees. When the rupee appreciated, it will lower your profits. This currency flow is a silent cause of great contribution to your ultimate returns over many years.
Rather than merely checking the share price of SmartFinancial, Inc. and comparing it with that of other stocks in the same sector, one can check how robust the business is. Investors tend to compare such aspects as profits, cash generation, and the stability of the revenues of the company. This means that SmartFinancial, Inc. stock in most cases does not react in the same manner as other companies in the sector due to its brand and services revenue.
Link copied 
