SmartFinancial, Inc. (SMBK)

NYSE • Financial Services

$50.02

-$0.03 (-0.1%)

Market closed

Last close at October 9, 2026 at 20:00 UTC

Open$50.19

Day Range$49.51 - $50.97

Avg. Volume (3M)128K

Market Cap$855.2M

P/E Ratio14.6

52 Week Range

$33.01$54.14

Next EarningsIn 9 daysOct 19, 2026

Metrics Over Time

Where the Money Goes

Q2 2026

Revenueeverything earned$85.9M100%

Gross Profitminus cost of goods$54.4M63%

Operating Incomeminus R&D and overhead$20.5M24%

Net Incomeminus taxes and the rest$16.3M19%

In plain terms: out of every $100 in revenue, SmartFinancial, Inc. keeps $19 as net profit.

Fundamentals & Financials

Revenue (TTM)

$331.1M

Net Income (TTM)

$57.3M

EPS (TTM)

$3.42

ROA (TTM)

0.94%

Current Ratio

260.57

Dividend Yield

0.2%

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.

Income Statement

Balance Sheet

Financial Highlights

Dividends History

Split History

Earnings

+4.5%Q3 2025$0.69

+17.8%Q4 2025$0.86

+1.3%Q1 2026$0.81

0.0%Q2 2026$0.81

+6.4%Q3 2026$0.96

Oct 19

in 9 daysQ4 2026

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

Latest report — Q3 2026

Beat +6.4%

SmartFinancial topped consensus on EPS in the second fiscal quarter of 2026, reporting preliminary results on July 20 with EPS of $0.96 versus the $0.90 estimate, about +6.4%. Revenue came in at about $85.9 million, while operating income reached about $20.5 million and operating margin held near 23.9%; net income increased 39.4% to about $16.3 million from $11.7 million a year ago, and EPS was up 39.1% from $0.69. It also paid about $1.4 million in dividends. For the next period, consensus calls for EPS of $0.96.

Next report — what to expect

SmartFinancial, Inc. (SMBK) reports next on October 20, 2026. Consensus calls for EPS of $0.96 on revenue of $57.6 million. For trailing context, revenue grew +9.7% year over year last quarter. SMBK has beaten EPS in 7 of 8 most recent quarters, making the EPS line a key watch.

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

SMBK closed slightly lower at 49.95, while its sector was firmer. Shares changed hands at about two-thirds of its usual level. SMBK reports earnings on 19 October.

Trading Volume

Below 10d avg (132.1K)

76.6K

vs S&P 500 Today

Underperforming Market

-0.80%

Updated: October 9, 2026 at 20:09 UTC

Technical Indicators

2 Buy2 Neutral4 Sell

SMBK exhibits a sell stance driven by short-to-medium-term weakness even as longer-term averages remain supportive; the price near 50.02 sits below several short-term moving averages but above the 100/200-day levels. Momentum is mild to negative with RSI in the mid-40s and a slightly negative MACD, and ADX around 20 indicates only modest trend strength while ATR about 2.3% shows moderate volatility. Notably, on-balance volume is positive, which tempers the negative price signals but has not overcome the short-term moving-average pressure. Technical takeaway: Sell — short/medium moving averages and momentum favor downside despite positive long-term volume.

All signals