Stock Fundamentals

Company Information

Company Name
SmartFinancial, Inc.
Sector
Financial Services
Industry
Banks - Regional
Exchange
NYSE
ISIN: US83190L2088
CIK: 0001038773
CUSIP: 83190L109
Currency: USD
Full Time Employees: 581
Phone: 865 437 5700
Fiscal Year End: December
IPO Date: Jan 02, 2001
Description:

SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers in the United States. The company offers various deposits, including noninterest-bearing and interest-bearing checking, savings, money market, and individual retirement accounts, as well as certificates of deposit. It also provides commercial and residential real estate, consumer real estate, construction and land development, commercial and industrial, and consumer and other loans, as well as leases to small and mid-size companies for equipment financing leases. In addition, the company offers wealth management, insurance, mortgage origination, and internet and mobile banking services. It operates in Tennessee, Alabama, and Florida. SmartFinancial, Inc. is based in Knoxville, Tennessee.

Address:

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

Directors & Officers

Name Title Year Born
Mr. William Young Carroll Jr. President, CEO & Director 1969
Mr. Ronald J. Gorczynski CPA Executive VP & CFO 1966
Mr. Rhett D. Jordan Executive VP & Chief Credit Officer of SmartBank 1972
Ms. Cynthia A. Cain Executive VP & Chief Operating Officer of SmartBank 1973
Mr. Nathan Strall Head of Investor Relations NA
Ms. Kelley L. Fowler Senior VP and Director of Marketing & Public Relations - SmartBank NA
Mr. Travis Lytle Senior VP and Director of Community Development & Community Reinvestment Act Officer NA
Mr. Monty Hatcher AAMS, CFP Executive Vice President NA
Ms. Robbie Washington Senior VP, Community Reinvestment Act Officer & Director of HMDA 1964
Ms. Rebecca C. Boyd Executive VP & Chief People Officer of SmartBank 1981

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Apr 24, 2026 Rhett D Jordan N/A Sale 500.00 $41.85 $20.93K
Feb 09, 2026 Wesley Miller Welborn N/A Purchase 835.00 $43.13 $36.01K
Jan 27, 2026 Kelli D Shomaker N/A Purchase 255.00 $39.38 $10.04K
Dec 10, 2025 Steven B Tucker N/A Sale 10.63K $38.01 $403.86K
Nov 18, 2025 Rhett D Jordan N/A Sale 250.00 $35.00 $8.75K

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
BlackRock Inc 1.28M Mar 31, 2026 7.51% $0.00 1.55%
Vanguard Group Inc 850.82K Dec 31, 2025 4.98% $0.00 0.45%
Dimensional Fund Advisors, Inc. 836.39K Mar 31, 2026 4.89% $0.01 -0.29%
Vanguard Capital Management, LLC 680.42K Mar 31, 2026 3.98% $0.00 0.00%
Wellington Management Company LLP 675.35K Mar 31, 2026 3.95% $0.00 -7.25%
State Street Corp 440.53K Mar 31, 2026 2.58% $0.00 33.57%
Private Capital Management, LLC 428.15K Mar 31, 2026 2.50% $1.67 -9.98%
American Century Companies Inc 371.81K Mar 31, 2026 2.17% $0.01 18.92%
Geode Capital Management, LLC 355.36K Mar 31, 2026 2.08% $0.00 5.08%
Acadian Asset Management LLC 284.18K Mar 31, 2026 1.66% $0.02 183.13%
Arnhold & S. Bleichroeder Advisers, LLC 224.04K Mar 31, 2026 1.31% $0.01 47.23%
Cravens & Company Advisors LLC 220.43K Mar 31, 2026 1.29% $5.60 0.00%
SALZHAUER MICHAEL 212.67K Mar 31, 2026 1.24% $3.92 -5.86%
CSM Advisors, LLC 171.18K Mar 31, 2026 1.00% $0.16 -0.61%
Morgan Stanley - Brokerage Accounts 170.96K Mar 31, 2026 1.00% $0.00 1.15%
Two Sigma Investments LLC 169.88K Mar 31, 2026 0.99% $0.01 36.28%
Basswood Capital Management LLC 169.74K Mar 31, 2026 0.99% $0.31 0.00%
Renaissance Technologies Corp 152.27K Mar 31, 2026 0.89% $0.01 -14.63%
AllianceBernstein L.P. 150.85K Mar 31, 2026 0.88% $0.00 -1.97%
Banc Funds Co LLC 150.09K Mar 31, 2026 0.88% $1.09 -25.18%

Shares Statistics

Shares Outstanding: 17.10M
Shares Float: 15.18M
% Insiders: 1,107.70%
% Institutions: 6,462.20%
Short % Float: 1.43%

Fund Holdings

Rank Holder Name Shares Held % of Shares Change Date Reported
1 Vanguard Total Stock Mkt Idx Inv 507.16K 2.97% ▲ 1.87% Apr 30, 2026
2 Avantis US Small Cap Value ETF 358.26K 2.10% ▲ 0.11% May 30, 2026
3 iShares Russell 2000 ETF 354.39K 2.07% ▲ 0.93% May 29, 2026
4 CS McKee Micro Cap Value 295.98K 1.73% ▲ 0.00% May 31, 2026
5 First Eagle Small Cap Opportunity I 252.87K 1.48% ▲ 17.22% May 31, 2026
6 DFA US Small Cap Value I 201.47K 1.18% ▲ 0.00% Apr 30, 2026
7 First Eagle US Small Cap Strategy 194.84K 1.14% ▲ 46.81% Mar 31, 2026
8 Vanguard Institutional Extnd Mkt Idx Tr 167.74K 0.98% ▲ 0.91% Apr 30, 2026
9 Fidelity Small Cap Index 146.12K 0.85% ▲ 4.47% Mar 31, 2026
10 iShares Russell 2000 Value ETF 107.20K 0.63% ▲ 0.00% May 29, 2026

Valuation Metrics

Enterprise Value: $527.31M
Trailing P/E: 14.46
Forward P/E: 14.10

Financial Highlights

Market Cap: $771.14M
P/E Ratio: $14.46
PEG Ratio: $0.00
Book Value: $32.87
Dividend/Share: $0.32
Dividend Yield: 0.72%
Earnings/Share: $3.12
Profit Margin: 26.85%
Operating Margin: 37.77%
ROA (TTM): 0.93%
ROE (TTM): 9.88%
Revenue (TTM): $196.53M
Revenue/Share (TTM): $11.70
Earnings Growth (YOY): 20.90%
Revenue Growth (YOY): 8.30%

Stock Price History

1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Financial Charts

Revenue & Net Income (Yearly)

Revenue & Net Income (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Earnings Per Share (EPS) History

Financial Ratios

Balance Sheet (Yearly)

Financial Ratios

Date Current Ratio Debt/Equity Debt/Assets Interest Coverage Debt/EBITDA
2025-12-31 0.22x 0.18x 0.91x 0.51x 1.45x
2024-12-31 0.16x 0.10x 0.91x 0.40x 0.84x
2023-12-31 0.18x 0.12x 0.90x 0.41x 1.11x
2022-12-31 58.80x 0.17x 0.91x 2.57x 1.06x
2021-12-31 222.37x 0.32x 0.91x 3.74x 2.56x
2020-12-31 17.72x 0.05x 0.04x 1.84x 4.14x
2019-12-31 0.17x 0.23x 0.87x 1.36x 1.88x
2018-12-31 0.16x 0.22x 0.88x 1.37x 2.52x
2017-12-31 0.18x 0.33x 0.88x 2.01x 6.94x
2016-12-31 0.21x 0.43x 0.90x 2.13x 3.98x
2015-12-31 0.26x 0.53x 0.90x 1.14x 12.57x
2014-12-31 0.29x 0.46x 0.90x 1.45x 5.57x
2013-12-31 0.32x 0.57x 0.91x 0.77x 7.11x
2012-12-31 0.37x 0.48x 0.91x 0.41x 7.81x
2011-12-31 0.37x 0.83x 0.92x 0.19x 17.00x
2010-12-31 0.07x 0.94x 0.94x -0.68x -4.28x
2009-12-31 0.09x 0.95x 0.95x -1.21x -2.10x
2008-12-31 0.03x 0.98x 0.92x 0.30x 7.95x
2007-12-31 0.05x 1.14x 0.92x 0.05x 31.13x
2006-12-31 0.07x 0.50x 0.90x 0.89x 1.90x
2005-12-31 0.06x 0.15x 0.90x 1.13x 0.63x
2004-12-31 0.04x 0.30x 0.90x 1.16x 1.52x
2003-12-31 0.05x 0.36x 0.92x 0.96x 1.76x
2002-12-31 0.04x 0.23x 0.91x 0.52x 1.75x
2001-12-31 N/A 0.00x 0.90x -0.79x 0.00x

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