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SmartFinancial, Inc.

Financial Services US SMBK

43.08USD
0.62(1.46%)

Last update at 2026-06-09T16:03:00Z

Day Range

43.0043.70
LowHigh

52 Week Range

18.9325.74
LowHigh

Fundamentals

  • Previous Close 42.46
  • Market Cap397.22M
  • Volume30372
  • P/E Ratio14.92
  • Dividend Yield1.38%
  • Revenue TTM147.56M
  • Revenue Per Share TTM8.77
  • Gross Profit TTM 161.20M
  • Diluted EPS TTM1.56

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 54.91M 44.32M 30.89M 33.45M 21.35M
Minority interest - - - - -
Net income 43.02M 34.79M 24.33M 26.55M 18.11M
Selling general administrative 73.38M 59.85M 46.38M 38.77M 33.51M
Selling and marketing expenses 1.29M 0.83M 0.83M 0.98M 0.87M
Gross profit 6.38M 137.34M 114.10M 90.60M 81.17M
Reconciled depreciation 2.61M 2.26M 6.02M 4.30M -3.71750M
Ebit 86.28M 44.32M 30.89M 33.45M 32.21M
Ebitda 88.89M 46.58M 32.63M 34.81M 33.18M
Depreciation and amortization 2.61M 2.26M 1.74M 1.37M 0.98M
Non operating income net other - - - - -
Operating income 86.28M 44.32M 30.89M 33.45M 36.90M
Other operating expenses 1.29M -93.02400M -83.20700M -57.15500M 34.19M
Interest expense 21.33M 11.84M 16.75M 24.57M 15.55M
Tax provision 11.89M 9.53M 6.56M 6.90M 3.23M
Interest income 158.83M 125.23M 117.61M 108.45M 92.21M
Net interest income 137.50M 113.39M 100.87M 83.88M 76.64M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 11.89M 9.53M 6.56M 6.90M 3.23M
Total revenue 6.38M 137.34M 114.10M 90.60M 81.36M
Total operating expenses 1.29M -93.02400M -83.20700M -57.15500M 34.19M
Cost of revenue - - - - 0.18M
Total other income expense net -31.37000M -11.83800M -16.74700M -24.57500M -15.56618M
Discontinued operations - - - - -
Net income from continuing ops 43.02M 34.79M 24.33M 26.55M 18.10M
Net income applicable to common shares 43.02M 34.79M 24.33M 26.55M 18.10M
Preferred stock and other adjustments - - - - -
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Total assets 4829.39M 4612.91M 4611.58M 3304.95M 2449.12M
Intangible assets 11.00M 13.63M 14.29M 12.34M 11.58M
Earning assets - - - - 347.88M
Other current assets - -82.73700M 2262.61M 2299.22M 1782.35M
Total liab 4369.50M 4180.46M 4182.15M 120.55M 64.70M
Total stockholder equity 459.89M 432.45M 429.43M 357.17M 312.75M
Deferred long term liab - - - - -
Other current liab -8.00000M -12.50000M -7.11100M 2805.22M 2097.11M
Common stock 16.99M 16.90M 16.80M 15.11M 14.01M
Capital stock 16.99M 16.90M 16.80M 15.11M 14.01M
Retained earnings 173.10M 156.54M 118.25M 87.19M 65.84M
Other liab - 21.48M 30.70M 11.02M 9.35M
Good will 96.14M 96.14M 91.56M 74.14M 65.61M
Other assets 4159.28M 3675.62M 2262.61M 2218.01M 1758.92M
Cash 294.82M 266.42M 1045.08M 481.72M 183.97M
Cash and equivalents - - - - -
Total current liabilities 8.00M 12.50M 7.11M 39.35M 2097.11M
Current deferred revenue - - - - -
Net debt -244.72400M -194.63400M -915.56200M -361.17400M -119.27100M
Short term debt 8.00M 12.50M 7.11M 39.35M -
Short long term debt 8.00M 12.50M 7.11M - -
Short long term debt total 50.10M 71.79M 129.51M 120.55M 64.70M
Other stockholder equity 295.70M 294.33M 292.94M 252.69M 232.73M
Property plant equipment - 92.51M 85.96M 77.48M 64.90M
Total current assets 470.00M 735.01M 1581.24M 697.35M 362.32M
Long term investments 689.65M 785.37M 575.92M 230.43M 191.26M
Net tangible assets - 322.68M 323.58M 270.70M 235.55M
Short term investments 408.41M 483.89M 482.45M 215.63M 178.35M
Net receivables 68.11M 67.43M 53.71M 2363.90M -
Long term debt 42.10M 59.29M 129.51M 120.55M 64.70M
Inventory - 1.44M -3752.97500M 4.62M 1.76M
Accounts payable - 4077.10M 4021.94M 2805.22M 2047.21M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -25.90700M -35.32400M 1.44M 2.18M 0.17M
Additional paid in capital - - - - -
Common stock total equity - 16.90M 16.80M 15.11M 14.01M
Preferred stock total equity - - - - -
Retained earnings total equity - 156.54M 118.25M 87.19M 65.84M
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other -689.64600M -785.37200M -767.72600M -389.58100M -327.88700M
Deferred long term asset charges - - - - -
Non current assets total 200.11M 202.28M 767.73M 389.58M 327.89M
Capital lease obligations - - - - -
Long term debt total - 83.88M 129.51M 120.55M 39.26M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -825.36100M -239.63800M -259.33800M -102.74700M -96.31308M
Change to liabilities 26.99M 7.30M -0.45400M 7.75M 0.82M
Total cashflows from investing activities -840.81800M -264.99300M -259.33800M -94.77700M -94.87485M
Net borrowings -45.72500M 5.59M 49.58M -5.57200M 26.56M
Total cash from financing activities 5.37M 782.17M 528.02M 133.06M 76.85M
Change to operating activities 1.57M 0.84M 4.08M 5.64M -1.29300M
Net income 43.02M 34.79M 24.33M 26.55M 18.10M
Change in cash -778.65300M 563.36M 297.75M 68.15M 2.80M
Begin period cash flow 1045.08M 481.72M 183.97M 115.82M 113.03M
End period cash flow 266.42M 1045.08M 481.72M 183.97M 115.82M
Total cash from operating activities 56.79M 46.18M 29.07M 29.87M 20.82M
Issuance of capital stock 0.19M 0.20M 0.34M 0.44M 1.53M
Depreciation 12.64M 6.75M 6.02M 4.30M -3.71750M
Other cashflows from investing activities -2.97000M -22.97800M -1.18900M 14.24M 5.28M
Dividends paid -4.72400M -3.72800M -2.98600M -0.70000M 0.70M
Change to inventory - - - - -
Change to account receivables -4.24200M 0.81M -2.45600M -0.34700M -0.37767M
Sale purchase of stock 0.19M -1.20800M -4.30800M 0.44M 1.53M
Other cashflows from financing activities 86.20M 788.00M 824.69M 272.71M 297.01M
Change to netincome 6.10M 7.55M -2.90300M 1.03M 9.54M
Capital expenditures 12.49M 2.38M 5.44M 6.27M 3.85M
Change receivables -4.24200M 0.81M -2.45600M -0.34700M -0.37767M
Cash flows other operating -27.72600M -11.01700M 0.07M -9.41800M -3.54486M
Exchange rate changes - - - - -
Cash and cash equivalents changes -778.65300M 563.36M 297.75M 68.15M 2.80M
Change in working capital -2.67200M 1.65M 1.62M 5.30M -1.67188M
Stock based compensation 1.30M 0.69M 0.48M 0.52M 0.40M
Other non cash items 3.05M 1.66M -2.16600M -7.57500M 5.28M
Free cash flow 44.31M 43.80M 23.63M 23.60M 16.98M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x)
SMBK
SmartFinancial, Inc.		 0.62 1.46% 43.08 14.92 9.88 2.20 0.71
HDB
HDFC Bank Limited ADR		 0.24 1.04% 23.25 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 -0.24 0.78% 30.47 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd		 0.16 0.32% 50.61 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 5.92 6.10 5.67 0.44 0.77 3.43

Reports Covered

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Profile

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. It operates through Commercial Real Estate, Consumer Real Estate, Construction and Land Development, Commercial and Industrial, Leases, and Consumer and Other segments. The company offers noninterest-bearing and interest-bearing checking, interest-bearing demand, savings, money market, time deposit, 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; and direct consumer installment, educational, agriculture, and other revolving credit loans; equipment financing, heavy equipment, semis, and trailers loans and leases to small and mid-size companies; 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.

SmartFinancial, Inc.

5401 Kingston Pike, Knoxville, TN, United States, 37919

Key Executives

Name Title Year Born
Mr. William Young Carroll Jr. Pres, CEO & Director 1969
Mr. Ronald J. Gorczynski Exec. VP & CFO 1966
Mr. Nathaniel Frank Hughes Exec. VP, Investor Relations & Treasurer 1959
Mr. Gregory L. Davis Exec. VP & Chief Lending Officer of SmartBank 1967
Mr. Rhett D. Jordan Exec. VP & Chief Credit Officer of SmartBank 1972
Mr. Gary Wayne Petty Jr. Exec. VP & Chief Risk Officer 1975
Ms. Kelley L. Fowler Sr. VP and Director of Marketing & PR - SmartBank NA
Travis Lytle Sr. VP and Director of Community Devel. & Community Reinvestment Act Officer NA
Mr. Daniel Hereford Exec. VP & Chief Information Officer of SmartBank 1981
Monty Hatcher Exec. VP NA

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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