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About the company
SmartFinancial, Inc. is the bank holding company for SmartBank (the Bank). The Bank is a full-service commercial bank with branches across Tennessee, Alabama, and Florida. The principal business of the Bank consists of attracting deposits from the general public and investing those funds, together with funds generated from operations and from principal and interest payments on loans, primarily in commercial loans, commercial and residential real estate loans, leases, consumer loans and residential and commercial construction loans. It also originates one to four family residential mortgage loans and generally enters into a commitment to sell these loans in the secondary market. The Bank provides a suite of commercial and consumer banking services to clients through about 42 full-service bank branches. SBK Insurance, Inc., a subsidiary of the Bank, provides insurance products in the property and casualty area, commercial, transportation, and life and health to their respective clients.
- Revenue in USD (TTM)285.97m
- Net income in USD50.35m
- Incorporated1983
- Employees597.00
- LocationSmartFinancial Inc5401 Kingston Pike Ste 600KNOXVILLE 37919United StatesUSA
- Phone+1 (865) 437-5700
- Websitehttps://www.smartfinancialinc.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| American Business Bank | 196.43m | 54.20m | 623.36m | -- | 11.98 | 1.52 | -- | 3.99 | 5.86 | 5.86 | 16.87 | 46.33 | -- | -- | -- | -- | 1.28 | -- | -- | -- | -- | -- | 34.72 | -- | -- | -- | -- | -- | 12.10 | -- | 25.25 | -- | -- | -- |
| Alerus Financial Corp | -100.00bn | -100.00bn | 646.34m | 846.00 | -- | 1.14 | -- | -- | -- | -- | -- | 22.24 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Shore Bancshares Inc | 310.03m | 59.51m | 669.27m | 590.00 | 11.25 | 1.13 | 12.09 | 2.97 | 1.78 | 1.78 | 6.74 | 17.65 | -- | -- | -- | -- | 0.9529 | 0.6925 | -- | -- | -- | -- | 26.44 | 20.22 | -- | -- | -- | 41.57 | 4.97 | 39.03 | 35.58 | 30.49 | -- | 0.00 |
| Financial Institutions Inc | 332.99m | 73.41m | 688.94m | 598.00 | 9.63 | 1.10 | 11.58 | 2.81 | 3.61 | 3.61 | 12.06 | 31.77 | -- | -- | -- | -- | 1.21 | 0.746 | -- | -- | -- | -- | 30.57 | 21.97 | -- | -- | -- | 50.33 | 6.31 | 15.60 | 270.30 | 14.77 | -- | 3.78 |
| Great Southern Bancorp Inc | 313.73m | 70.97m | 700.02m | 1.11k | 10.21 | 1.10 | 11.47 | 3.05 | 6.20 | 6.20 | 20.03 | 57.50 | -- | -- | -- | -- | 1.23 | 1.23 | -- | -- | -- | -- | 30.95 | 31.29 | -- | -- | -- | 27.80 | -3.38 | 7.58 | 14.83 | 3.65 | -- | 4.07 |
| Hills Bancorporation | 226.20m | 57.01m | 703.63m | 464.00 | 12.52 | 1.21 | 11.84 | 4.26 | 6.39 | 6.39 | 18.51 | 66.20 | -- | -- | -- | -- | 1.25 | 1.10 | -- | -- | -- | -- | 34.51 | 31.66 | -- | -- | -- | 20.95 | 19.03 | 8.98 | 24.70 | 0.9891 | 7.28 | 5.26 |
| SmartFinancial Inc | 285.97m | 50.35m | 729.88m | 597.00 | 14.38 | 1.32 | 16.37 | 3.64 | 2.98 | 2.98 | 11.86 | 32.44 | -- | -- | -- | -- | 0.9042 | 0.8058 | -- | -- | -- | -- | 25.12 | 23.33 | -- | -- | -- | 13.17 | 13.88 | 19.45 | 39.31 | 15.65 | -- | 8.79 |
| Southern Missouri Bancorp Inc | 283.02m | 61.50m | 730.29m | 696.00 | 11.95 | 1.32 | 10.17 | 3.89 | 5.48 | 5.48 | 16.67 | 49.62 | -- | -- | -- | -- | 1.27 | 1.30 | -- | -- | -- | -- | 32.90 | 32.87 | -- | -- | -- | 17.13 | 11.67 | 20.97 | 16.80 | 16.18 | 7.79 | 8.92 |
| Capital City Bank Group Inc | 204.39m | 61.56m | 739.08m | 940.00 | 12.03 | 1.34 | 13.81 | 2.91 | 3.60 | 3.60 | 14.85 | 32.39 | -- | -- | -- | -- | 1.41 | 1.10 | -- | -- | -- | -- | 24.23 | 20.96 | -- | -- | -- | 28.51 | 5.00 | 13.99 | 16.33 | 14.28 | -- | 11.90 |
| Independent Bank Corp (Michigan) | 269.74m | 68.54m | 756.91m | 732.00 | 11.18 | 1.49 | 13.17 | 3.35 | 3.27 | 3.27 | 10.76 | 24.48 | -- | -- | -- | -- | 1.26 | 1.27 | -- | -- | -- | -- | 30.37 | 29.90 | -- | -- | -- | 30.23 | 1.11 | 14.04 | 2.62 | 4.07 | -- | 5.39 |
| Hometrust Bancshares Inc | -100.00bn | -100.00bn | 765.44m | 539.00 | -- | 1.27 | -- | -- | -- | -- | -- | 34.75 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Mid Penn Bancorp Inc | 323.77m | 56.25m | 800.44m | 591.00 | 13.50 | 0.9779 | 18.83 | 3.54 | 2.56 | 2.56 | 10.35 | 35.32 | -- | -- | -- | -- | 0.9694 | 0.9268 | -- | -- | -- | -- | 24.90 | 26.01 | -- | -- | -- | 33.77 | 12.98 | 24.57 | 13.78 | 16.50 | -- | 3.13 |
| First Financial Corp | 305.59m | 79.21m | 806.67m | 937.00 | 10.19 | 1.24 | 12.07 | 3.08 | 6.68 | 6.68 | 22.09 | 54.78 | -- | -- | -- | -- | 1.40 | 1.21 | -- | -- | -- | -- | 30.25 | 28.64 | -- | -- | -- | 29.30 | 15.43 | 13.75 | 67.55 | 8.03 | -- | 14.98 |
| TrustCo Bank Corp NY | 259.42m | 61.14m | 833.30m | 737.00 | 14.20 | 1.21 | 16.97 | 4.43 | 3.26 | 3.26 | 10.00 | 38.08 | -- | -- | -- | -- | 0.9644 | 0.9923 | -- | -- | -- | -- | 32.53 | 32.92 | -- | -- | -- | 44.10 | 6.62 | 7.79 | 25.20 | 3.11 | -- | 1.67 |
| Hanmi Financial Corp | -100.00bn | -100.00bn | 835.86m | 590.00 | -- | 1.05 | -- | -- | -- | -- | -- | 26.64 | -- | -- | -- | -- | -- | 1.15 | -- | -- | -- | -- | -- | 33.01 | -- | -- | -- | 33.14 | 3.05 | 12.92 | 23.33 | 12.80 | -- | 15.74 |
Data as of Feb 06 2026. Currency figures normalised to SmartFinancial Inc's reporting currency: US Dollar USD
30.40%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| BlackRock Fund Advisorsas of 30 Sep 2025 | 1.05m | 6.18% |
| Dimensional Fund Advisors LPas of 30 Sep 2025 | 802.98k | 4.72% |
| The Vanguard Group, Inc.as of 31 Dec 2025 | 748.03k | 4.39% |
| Wellington Management Co. LLPas of 30 Sep 2025 | 616.94k | 3.62% |
| Private Capital Management LLCas of 30 Sep 2025 | 533.82k | 3.14% |
| SSgA Funds Management, Inc.as of 30 Sep 2025 | 344.36k | 2.02% |
| Geode Capital Management LLCas of 30 Sep 2025 | 339.98k | 2.00% |
| American Century Investment Management, Inc.as of 30 Sep 2025 | 290.27k | 1.71% |
| Benjamin Partners, Inc.as of 30 Sep 2025 | 225.90k | 1.33% |
| Acadian Asset Management LLCas of 30 Sep 2025 | 221.91k | 1.30% |
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Data from 30 Sep 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
