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SM

SmartFinancial, Inc. (SMBK)

NYSE • Financial Services

$49.22
+$0.97 (+2.0%)
Market open

Last close at October 22, 2026 at 20:00 UTC

Open$48.2
Previous Close$49.22
Day Range$47.49 - $49.88
Avg. Volume (3M)125.6K
Market Cap$841.7M
P/E Ratio13.3
52 Week Range
$34.23$54.14
Next EarningsIn 88 daysJan 19, 2027

Metrics Over Time

Where the Money Goes

Q3 2026
Revenueeverything earned$90.1M100%
Gross Profitminus cost of goods$56.8M63%
Operating Incomeminus R&D and overhead$20.4M23%
Net Incomeminus taxes and the rest$18.6M21%

In plain terms: out of every $100 in revenue, SmartFinancial, Inc. keeps $21 as net profit.

Fundamentals & Financials

Revenue (TTM)
$342.1M
Net Income (TTM)
$62.3M
EPS (TTM)
$3.71
ROA (TTM)
0.99%
Current Ratio
0
Dividend Yield
0.18%

TTM is calculated as the sum of the four most recently completed quarters. This is a standard approach when monthly or real-time data is not available.

Earnings

0.0%Q2 2026$0.81
+6.4%Q3 2026$0.96
+14.5%Q4 2026$1.1
Next

Jan 19

in 88 daysQ1 2027

% — EPS deviation from the forecast (beat / miss); quarters without a forecast show the reported EPS

Latest report — Q4 2026
Beat +14.5%

SmartFinancial topped expectations on earnings in the third fiscal quarter of 2026, based on preliminary results reported October 19, 2026, with EPS of $1.10 topping the $0.96 estimate (+14%) and rising +27.9% from $0.86 a year ago. Revenue came in at about $90.2 million, while net interest income was roughly $49.4 million, reflecting the central role of spread-based banking income alongside the company’s deposit and lending activities. Profitability included operating income of around $20.5 million, and net income rose +36.1% to about $18.6 million (up from $13.7 million a year ago). Consensus for the next period calls for EPS of $1.01.

View full earnings history

About SmartFinancial, Inc.

SmartFinancial, Inc. is a regional banking company listed on the NYSE as SMBK. Through SmartBank, it provides deposit products, lending, mortgage, wealth, insurance, and digital banking services across parts of Tennessee, Alabama, and the Florida Panhandle, generating $316.4 million in revenue in FY2025.

Name
SmartFinancial, Inc.
CEO
William Young Carroll Jr.
Website
www.smartbank.com
Industry
Financial Services
Employees
585

Today's Snapshot

AI-generated

The session opened with SMBK 0.7% lower at 48.88, in line with a weaker sector.

Trading Volume

Below 10d avg (112.0K)

8.9K

vs S&P 500 Today

Moderate Underperformance

-0.45%

Updated: October 23, 2026 at 14:39 UTC

Technical Indicators

2 Buy2 Neutral4 Sell
SMBK exhibits short-term weakness despite longer-term support as of 2026-10-23, trading near 49.38 and below its 10–50 period averages while the MACD and CCI signal bearish momentum. The ADX is low (about 16.07), indicating a lack of strong trend, ATR is moderate (near 2.72%), and OBV shows net selling pressure, which reinforces the near-term downside bias. However, the price remains above the 100- and 200-period averages, suggesting longer-term support is present. Technical takeaway: Sell — short-term momentum and volume favor downside against longer-term support.
All signals
  • EMA (5 indicators)$45.09 - $50.16
    Sell
  • RSI (14)43.97
    Neutral
  • Stochastic %K (14, 3, 3)22.94
    Neutral
  • MACD Level (12, 26)-0.36
    Sell

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