SMBK
Neutral signalScored 2026-10-28 Drivers: trend, fundamentals. Moteurs : tendance, fondamentaux.
Research, not advice.
À propos
SmartFinancial, Inc.
- Nom
- SmartFinancial, Inc.
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NYSE
- Capitalisation
- $848.1M
- Employés
- 585
- PDG
- William Young Carroll Jr.
- Site web
- https://www.smartbank.com
- Marché
- BCALBWBFCBCGSBCHTBKIBCP
SmartFinancial, Inc. functions as the parent entity for SmartBank, which offers a broad spectrum of financial solutions to both individual clients and corporate entities. The company's operations are structured across distinct segments: Commercial Real Estate, Consumer Real Estate, Construction and Land Development, Commercial and Industrial, and a broader Consumer and Other division. Its suite of deposit products includes non-interest and interest-bearing checking accounts, interest-bearing demand accounts, savings and money market accounts, various time deposits, Individual Retirement Accounts (IRAs), and certificates of deposit (CDs). Additionally, SmartFinancial's lending portfolio encompasses financing for commercial and residential properties, consumer real estate, and construction and land development projects. It also extends commercial and financial loans, mortgage loans, direct consumer installment loans, educational and other revolving credit facilities, and provides overdraft services. Beyond these core offerings, the company delivers wealth management, insurance products, mortgage origination, and convenient digital banking services accessible via the internet and mobile devices. As of March 1, 2022, SmartFinancial maintained a significant regional footprint, operating 41 full-service branches and two dedicated loan production offices across East and Middle Tennessee, Alabama, and the Florida Panhandle. The corporate headquarters are located in Knoxville, Tennessee.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 3 500 titres (~173 250,00 $ US)
- Insiders
- Tucker Steven B.
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$217,864
Avg sell (VWAP, 90d window) $49.97 vs last close $48.81 (-2.3%)
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-10-23
- Liquidity
- Thin $6,284,734/day · 20d vol
- Last synced
-
2026-10-28 10:33:03
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-10-26 | Jordan Rhett D. | Sell · S | 200 | $49.80 | $9,960 | Form 4 |
| 2026-10-23 | Tucker Steven B. | Sell · S | 3,500 | $49.50 | $173,250 | Form 4 |
| 2026-09-14 | Jordan Rhett D. | Sell · S | 230 | $52.05 | $11,972 | Form 4 |
| 2026-08-04 | Jordan Rhett D. | Sell · S | 430 | $52.75 | $22,682 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Neutral signalScored 2026-10-28 Drivers: trend, fundamentals. Moteurs : tendance, fondamentaux.
SMBK delivered a solid Q3 2026 earnings beat with record revenue and strong loan growth, but the bullish catalyst is undermined by a post-earnings insider sale and a break below the 50-day moving average.
The first sentence of the analysis written for SMBK on 2026-10-28 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Narrative Unavailable or mixed. Stored narrative reading is in the neutral band
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Timing Pulls against a bullish reading. Close is more than 0.5 ATR under stored support
- Financial indicators Unavailable or mixed. Current ratio 0.22 · operating margin 19% — readings disagree
Suggested stop 45.90, nearest stored support minus 0.5 ATR(6.0% under the last close). Reward/risk to the next stored resistance is 0.09. Wait — that reward/risk is under 2. Research, not advice. Not an order.
Recent news
- 2026-10-21 SmartFinancial: 3 Key Takeaways for Long-Term Investors SmartFinancial generated record operating revenue of $57.5 million in Q3 2026. Organic loan balances grew at an annualized rate of 15%.
- 2026-10-21 SmartFinancial (NASDAQ:SMBK) Stock Breaks Below Fifty Day Moving Average – Should You Sell? SmartFinancial, Inc. (NASDAQ: SMBK - Get Free Report) crossed below its 50 day moving average during trading on Tuesday. The stock has a 50 day moving average of $51.00 and traded as low as $50.02. SmartFinancial shares last traded at $50.3440, with a volume of 233,438 shares. Key SmartFinancial News Here are the key news stories
- 2026-10-20 SmartFinancial, Inc. (SMBK) Q3 2026 Earnings Call Transcript SmartFinancial, Inc. ( SMBK ) Q3 2026 Earnings Call October 20, 2026 10:00 AM EDT Company Participants Nate Strall - VP and Director of Strategy & Corporate Development William Carroll - President, CEO & Director Ronald Gorczynski - Executive VP & CFO Rhett Jordan - Executive VP & Chief Credit Officer of SmartBank Conference Call Participants William Jones - Keefe, Bruyette, & Woods, Inc., Research Division Russell Elliott Gunther - Stephens Inc., Research Division Stephen Scouten - Piper Sandler & Co., Research Division Brett Rabatin - StoneX Financial, Inc., Research Division Stephen Moss - Raymond James & Associates, Inc., Research Division Christopher Adamo Presentation Operator Hello, everyone. Thank you for joining us, and welcome to the SmartFinancial Third Quarter 2026 Earnings Release and Conference Call.
- 2026-10-19 SmarFinancial (SMBK) Reports Q3 Earnings: What Key Metrics Have to Say The headline numbers for SmarFinancial (SMBK) give insight into how the company performed in the quarter ended September 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.
- 2026-10-19 SmarFinancial (SMBK) Q3 Earnings and Revenues Surpass Estimates SmarFinancial (SMBK) came out with quarterly earnings of $1.1 per share, beating the Zacks Consensus Estimate of $0.96 per share. This compares to earnings of $0.86 per share a year ago.
- 2026-10-19 SmartFinancial Announces Results for the Third Quarter 2026 KNOXVILLE, Tenn.--(BUSINESS WIRE)--SmartFinancial, Inc. ("SmartFinancial" or the "Company"; NYSE: SMBK), today announced net income of $18.6 million, or $1.10 per diluted common share, for the third quarter of 2026, compared to net income of $13.7 million, or $0.81 per diluted common share, for the third quarter of 2025, and compared to prior quarter net income of $16.3 million, or $0.96 per diluted common share. Highlights for the Third Quarter of 2026 Operating earnings1 of $18.6 million, or.
- 2026-10-14 Countdown to SmarFinancial (SMBK) Q3 Earnings: Wall Street Forecasts for Key Metrics Beyond analysts'' top-and-bottom-line estimates for SmarFinancial (SMBK), evaluate projections for some of its key metrics to gain a better insight into how the business might have performed for the quarter ended September 2026.
- 2026-10-12 SmarFinancial (SMBK) Earnings Expected to Grow: What to Know Ahead of Next Week''s Release SmarFinancial (SMBK) doesn''t possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
- 2026-10-12 SmartFinancial (SMBK) Projected to Release Quarterly Earnings on Monday SmartFinancial (NASDAQ: SMBK - Get Free Report) is projected to post its results after the market closes on Monday, October 19th. Analysts expect SmartFinancial to post earnings of $0.9610 per share and revenue of $57.55 million for the quarter. SmartFinancial Trading Down 0.0% Shares of SMBK stock opened at $50.01 on Monday. SmartFinancial has a fifty-two
- 2026-10-05 SmartFinancial Sets Dates for Third Quarter Earnings Release and Conference Call KNOXVILLE, Tenn.--(BUSINESS WIRE)--SmartFinancial, Inc. ("SmartFinancial") (NYSE: SMBK) announces details for the release of its results for the Third Quarter of 2026.SmartFinancial plans to issue its earnings release for the third quarter of 2026 on Monday, October 19, 2026, and will host a conference call on Tuesday, October 20, 2026, at 10:00 a.m. ET. To access this interactive teleconference, dial (833) 461-5787 and enter the Meeting ID: 955 254 100. A link to a replay of the conference call.
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 61.0% | 58.3% | 62.1% | 86.4% | 91.0% | |
| Ebit Margin | 19.4% | 15.9% | 15.1% | 29.4% | 29.7% | |
| Ebitda Margin | 22.5% | 19.9% | 20.7% | 36.2% | 35.7% | |
| Operating Profit Margin | 19.4% | 15.9% | 15.1% | 29.4% | 29.7% | |
| Pretax Profit Margin | 19.4% | 15.9% | 15.1% | 29.4% | 29.7% | |
| Continuous Operations Profit Margin | 15.9% | 12.7% | 11.9% | 23.1% | 23.3% | |
| Net Profit Margin | 15.9% | 12.7% | 11.9% | 23.1% | 23.3% | |
| Bottom Line Profit Margin | 15.9% | 12.7% | 11.9% | 23.1% | 23.3% | |
| Current Ratio | 0.224 | 0.159 | 0.180 | 0.196 | 0.383 | |
| Quick Ratio | 0.224 | 0.159 | 0.180 | 0.196 | 0.383 | |
| Solvency Ratio | 0.011 | 0.010 | 0.010 | 0.013 | 0.010 | |
| Cash Ratio | 0.090 | 0.080 | 0.069 | 0.061 | 0.250 | |
| Price To Earnings Ratio | 12.289 | 14.343 | 14.406 | 10.700 | 12.269 | |
| Price To Earnings Growth Ratio | 0.312 | 0.530 | -0.426 | 0.702 | 0.333 | |
| Forward Price To Earnings Growth Ratio | 0.312 | 0.530 | -0.426 | 0.702 | 0.333 | |
| Price To Earnings Diluted Ratio | 12.413 | 14.477 | 14.491 | 10.784 | 12.324 | |
| Price To Earnings Diluted Growth Ratio | 0.316 | 0.544 | -0.430 | 0.725 | 0.333 | |
| Price To Book Ratio | 1.124 | 1.057 | 0.895 | 1.065 | 0.992 | |
| Price To Sales Ratio | 1.963 | 1.821 | 1.713 | 2.468 | 2.856 | |
| Price To Free Cash Flow Ratio | 10.466 | 11.222 | 12.312 | 10.390 | 9.727 | |
| Price To Operating Cash Flow Ratio | 10.061 | 9.858 | 10.369 | 8.106 | 9.226 | |
| Debt To Assets Ratio | 0.017 | 0.009 | 0.011 | 0.018 | 0.031 | |
| Debt To Equity Ratio | 0.184 | 0.097 | 0.120 | 0.194 | 0.330 | |
| Debt To Capital Ratio | 0.155 | 0.089 | 0.107 | 0.163 | 0.248 | |
| Long Term Debt To Capital Ratio | 0.152 | 0.075 | 0.084 | 0.133 | 0.232 | |
| Financial Leverage Ratio | 10.610 | 10.738 | 10.501 | 10.724 | 10.739 | |
| Working Capital Turnover Ratio | -0.080 | -0.077 | -0.071 | -0.065 | -0.064 | |
| Operating Cash Flow Ratio | 0.012 | 0.011 | 0.009 | 0.014 | 0.011 | |
| Operating Cash Flow Sales Ratio | 0.195 | 0.185 | 0.165 | 0.304 | 0.310 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.961 | 0.878 | 0.842 | 0.780 | 0.949 | |
| Debt Service Coverage Ratio | 0.489 | 0.390 | 0.416 | 1.441 | 1.821 | |
| Interest Coverage Ratio | 0.513 | 0.400 | 0.412 | 2.574 | 3.744 | |
| Short Term Operating Cash Flow Coverage Ratio | 20.513 | 6.506 | 3.032 | 3.283 | 3.782 | |
| Operating Cash Flow Coverage Ratio | 0.607 | 1.103 | 0.720 | 0.677 | 0.326 | |
| Capital Expenditure Coverage Ratio | 25.837 | 8.228 | 6.334 | 4.548 | 19.429 | |
| Dividend Paid And Capex Coverage Ratio | 7.872 | 4.456 | 3.395 | 3.300 | 7.565 | |
| Dividend Payout Ratio | 0.108 | 0.150 | 0.190 | 0.110 | 0.107 | |
| Enterprise Value Multiple | 3.625 | 3.407 | 3.463 | 4.340 | -8.248 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 61.0% | ▲2.7% | ▼-10.8% |
| Ebit Margin | 19.4% | ▲3.5% | ▼-2.5% |
| Ebitda Margin | 22.5% | ▲2.6% | ▼-4.5% |
| Operating Profit Margin | 19.4% | ▲3.5% | ▼-2.5% |
| Pretax Profit Margin | 19.4% | ▲3.5% | ▼-2.5% |
| Continuous Operations Profit Margin | 15.9% | ▲3.2% | ▼-1.5% |
| Net Profit Margin | 15.9% | ▲3.2% | ▼-1.5% |
| Bottom Line Profit Margin | 15.9% | ▲3.2% | ▼-1.5% |
| Current Ratio | 0.224 | ▲0.064 | ▼-0.005 |
| Quick Ratio | 0.224 | ▲0.064 | ▼-0.005 |
| Solvency Ratio | 0.011 | ▲0.001 | ▲0.000 |
| Cash Ratio | 0.090 | ▲0.011 | ▼-0.020 |
| Price To Earnings Ratio | 12.289 | ▼-2.054 | ▼-0.512 |
| Price To Earnings Growth Ratio | 0.312 | ▼-0.218 | ▲0.022 |
| Forward Price To Earnings Growth Ratio | 0.312 | ▼-0.218 | ▲0.022 |
| Price To Earnings Diluted Ratio | 12.413 | ▼-2.064 | ▼-0.485 |
| Price To Earnings Diluted Growth Ratio | 0.316 | ▼-0.227 | ▲0.018 |
| Price To Book Ratio | 1.124 | ▲0.067 | ▲0.098 |
| Price To Sales Ratio | 1.963 | ▲0.142 | ▼-0.201 |
| Price To Free Cash Flow Ratio | 10.466 | ▼-0.756 | ▼-0.357 |
| Price To Operating Cash Flow Ratio | 10.061 | ▲0.203 | ▲0.537 |
| Debt To Assets Ratio | 0.017 | ▲0.008 | 0.000 |
| Debt To Equity Ratio | 0.184 | ▲0.087 | ▼-0.001 |
| Debt To Capital Ratio | 0.155 | ▲0.067 | ▲0.003 |
| Long Term Debt To Capital Ratio | 0.151 | ▲0.077 | ▲0.017 |
| Financial Leverage Ratio | 10.610 | ▼-0.128 | ▼-0.052 |
| Working Capital Turnover Ratio | -0.080 | ▼-0.003 | ▼-0.009 |
| Operating Cash Flow Ratio | 0.012 | ▲0.001 | ▲0.000 |
| Operating Cash Flow Sales Ratio | 0.195 | ▲0.010 | ▼-0.037 |
| Free Cash Flow Operating Cash Flow Ratio | 0.961 | ▲0.083 | ▲0.079 |
| Debt Service Coverage Ratio | 0.489 | ▲0.099 | ▼-0.422 |
| Interest Coverage Ratio | 0.513 | ▲0.114 | ▼-1.015 |
| Short Term Operating Cash Flow Coverage Ratio | 20.513 | ▲14.007 | ▲13.090 |
| Operating Cash Flow Coverage Ratio | 0.607 | ▼-0.496 | ▼-0.079 |
| Capital Expenditure Coverage Ratio | 25.837 | ▲17.609 | ▲12.962 |
| Dividend Paid And Capex Coverage Ratio | 7.872 | ▲3.416 | ▲2.554 |
| Dividend Payout Ratio | 0.108 | ▼-0.042 | ▼-0.025 |
| Enterprise Value Multiple | 3.625 | ▲0.218 | ▲2.308 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $621.0M | $519.5M | $411.8M | $460.4M | $426.1M | |
| Enterprise value | $258.2M | $193.8M | $172.2M | $293.2M | -$439.8M | |
| EV / Sales | 0.82x | 0.68x | 0.72x | 1.57x | -2.95x | |
| EV / Op. cash flow | 4.18x | 3.68x | 4.33x | 5.16x | -9.52x | |
| EV / Free cash flow | 4.35x | 4.19x | 5.15x | 6.62x | -10.04x | |
| EV / EBITDA | 3.62x | 3.41x | 3.46x | 4.34x | -8.25x | |
| Net debt / EBITDA | -5.09x | -5.73x | -4.82x | -2.48x | -16.24x | |
| Current ratio | 0.22x | 0.16x | 0.18x | 0.20x | 0.38x | |
| Income quality | 1.23x | 1.46x | 1.39x | 1.32x | 1.33x | |
| Graham number | $47 | $38 | $32 | $39 | $37 | |
| Graham net-net | -$248 | -$242 | -$215 | -$204 | -$170 | |
| Tax burden | 81.9% | 79.5% | 78.9% | 78.4% | 78.5% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$4.00B | -$3.95B | -$3.51B | -$3.29B | -$2.49B | |
| Invested capital | -$3.82B | -$3.75B | -$3.31B | -$3.09B | -$2.30B | |
| Return on assets | 0.9% | 0.7% | 0.6% | 0.9% | 0.8% | |
| Operating ROA | 1.1% | 0.9% | 0.8% | 1.2% | 1.1% | |
| Return on tangible assets | 0.9% | 0.7% | 0.6% | 1.0% | 0.8% | |
| Return on equity | 9.1% | 7.4% | 6.2% | 9.9% | 8.1% | |
| Return on invested capital | 7.1% | 6.1% | 5.1% | 7.7% | 5.9% | |
| Return on capital employed | 8.7% | 7.8% | 6.6% | 10.1% | 7.7% | |
| Earnings yield | 8.1% | 7.0% | 6.9% | 9.3% | 8.2% | |
| Free cash flow yield | 9.6% | 8.9% | 8.1% | 9.6% | 10.3% | |
| Capex / Op. cash flow | 3.9% | 12.2% | 15.8% | 22.0% | 5.1% | |
| Capex / Depreciation | 24.5% | 56.1% | 46.5% | 98.8% | 26.4% | |
| Capex / Sales | 0.8% | 2.2% | 2.6% | 6.7% | 1.6% | |
| SG&A / Sales | 29.9% | 26.9% | 29.2% | 36.1% | 36.4% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.6% | 0.6% | 0.6% | 0.7% | 0.5% | |
| Intangibles / Total assets | 1.6% | 2.0% | 2.2% | 2.4% | 2.3% | |
| Days sales outstanding | 0d | 82d | 103d | 129d | 131d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | 0d | |
| Operating cycle | 0d | 82d | 103d | 129d | 131d | |
| Cash conversion cycle | 0d | 82d | 103d | 129d | 131d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years