Price
No data yet.
Social Signal Score
Analyst Ratings
10 analystsRevenue
$85.93M+634.72%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- William Young Carroll Jr.
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 585
- Beta
- 0.71
- Country
- US
- Piotroski score
- 6 / 9 (Middling)
- Altman Z-score
- 0.32
Financials
Revenue
$85.93M+634.7%Net Income
$16.32M+913.2%EBITDA
$22.29M+614.6%Free Cash Flow
$29.87M+3880.3%EPS (diluted)
$0.96+336.4%Shares Outstanding (diluted)
16.96M+177.7%Operating Expenses
$24.37MCash & Debt
$642.93MReturn of Capital
$1.54MDividend per Share
$0.09Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $316.37M | $50.35M | $3.01 |
| 2024 | $285.27M | $36.14M | $2.16 |
| 2023 | $240.37M | $28.59M | $1.70 |
| 2022 | $186.55M | $43.02M | $2.57 |
| 2021 | $149.18M | $34.79M | $2.23 |
| 2020 | $133.04M | $24.33M | $1.63 |
| 2019 | $115.17M | $26.55M | $1.90 |
| 2018 | $96.74M | $18.10M | $1.46 |
| 2017 | $55.65M | $5.02M | $0.56 |
| 2016 | $45.59M | $5.80M | $0.82 |
| 2015 | $29.25M | $1.51M | $0.27 |
| 2014 | $21.32M | $1.83M | $0.04 |
| 2013 | $20.39M | $1.68M | $0.08 |
| 2012 | $20.37M | $1.40M | $0.08 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from SMBK's reported EPS growth of 32.2% a year over 13 years. Historical EPS growth of 32% reflects a recovery from a low base and won't persist. Capped at 30% as a starting point.
- EPS in 5 years
- $11.14
- Implied price
- $133.62
- Return from $50.84
- 21.3% a year
To earn 15.0% a year on these assumptions you'd need to buy at $66.43 — today's price is already 23.5% below that.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 8 | 10 | 12 | 14 | 16 |
|---|---|---|---|---|---|
| 20.0% | 3.3% | 8.0% | 12.0% | 15.5% | 18.6% |
| 25.0% | 7.6% | 12.5% | 16.7% | 20.3% | 23.6% |
| 30.0% | 11.9% | 17.0% | 21.3% | 25.1% | 28.5% |
| 35.0% | 16.2% | 21.5% | 26.0% | 29.9% | 33.4% |
| 40.0% | 20.5% | 26.0% | 30.7% | 34.7% | 38.4% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
80-20.00%Social Signal Score
Mentions (4)
- Newsbusinesswire.com·5h ago·Negative
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 Thir…
View source ↗ - Newszacks.com·5d ago·Neutral
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.
View source ↗ - Newszacks.com·7d ago·Neutral
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.
View source ↗ - Newsbusinesswire.com·14d ago·Neutral
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…
View source ↗
Earnings
Mon, Oct 19(date passed)
Consensus estimate $0.96 per share
Typical surprise +6.4% (median, so one quarter with a near-zero estimate can't distort it)
- Mon, Jul 20$0.96 vs $0.90beat
- Mon, Apr 20$0.81 vs $0.81beat
- Tue, Jan 20$0.81 vs $0.80beat
- Tue, Oct 21$0.86 vs $0.73beat
- Mon, Jul 21$0.69 vs $0.66beat
- Mon, Apr 21$0.67 vs $0.55beat
Estimates and results for SMBK via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by SMBK officers and directors.
- Bought
- $378k
- Sold
- $2.2m
7 trades
21 trades
- Jordan Rhett D.sold
- Jordan Rhett D.sold
- Jordan Rhett D.sold
- Barrett Victor Lynnbought
- Ackermann Cathy Gbought
- Shomaker Kelli Dbought
- Jordan Rhett D.sold
- Welborn Wesley Millerbought
72 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
No disclosed congressional trades in SMBK.
Self-reported filings, amounts as brackets. Via Senate/House disclosures.