Stocks · Financial Services · Banks - Regional
SmartFinancial, Inc. SMBK
$50.59 -0.78% Close, Oct 5, 2026 · NYSE · Market cap $871.9M
Strong trend
Next earnings report: Oct 20, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $3.39, up 37.2% year over year.
- The shares trade at 14.9× trailing earnings, higher than 86% of the company's own readings over the past five years.
- The stock is in an uptrend: above its 200-day average for 291 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
Growth75Positive
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 38%
- EPS growth (TTM, YoY)Top 29%
- FCF growth (TTM, YoY)Top 39%
- Revenue growth, 3-year CAGRTop 34%
- Revenue growth accelerationBottom 43%
Quality46Neutral
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 42%
- Gross marginBottom 44%
- Operating marginBottom 49%
- Cash conversion (OCF / net income)Top 41%
- Accruals (lower is better)Bottom 49%
- Net debt / EBITDA (lower is better)Top 37%
- Interest coverBottom 31%
Value50Neutral
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 49%
- Free-cash-flow yieldTop 49%
- EBITDA / enterprise valueTop 38%
- Sales / enterprise valueTop 38%
- P/E vs own 5-year history (lower is better)Bottom 18%
Momentum89Strong
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 8%
- 6-month returnTop 12%
- 1-year return vs S&P 500Top 9%
- Distance from 52-week highTop 32%
- Trend checklist (0–4)Top 48%
Revisions33Weak
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 41%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyBottom 40%
- Upside to consensus price targetBottom 20%
Stability53Neutral
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 43%
- Maximum drawdown, 3 yearsTop 41%
- Beta vs S&P 500 (lower is better)Bottom 27%
- Net debt / EBITDA (lower is better)Top 37%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 10.8% | 9.8% | ↓ |
| EPS growth (YoY) | 38.1% | 37.2% | ↓ |
| Gross margin | 59.3% | 63.0% | ↑ |
| Operating margin | 16.9% | 21.4% | ↑ |
| FCF margin | 17.7% | 21.3% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 9.8% | 10.8% | ↓ | Top 38% |
| EPS growth (TTM, YoY) | 37.2% | 38.1% | ↓ | Top 29% |
| Gross margin | 63.0% | 59.3% | ↑ | Bottom 44% |
| Operating margin | 21.4% | 16.9% | ↑ | Bottom 49% |
| Net margin | 17.3% | 13.8% | ↑ | — |
| Free-cash-flow margin | 21.3% | 17.7% | ↑ | — |
| Return on invested capital | 0.9% | — | Bottom 42% | |
| Revenue growth, 3-year CAGR | 19.3% | — | Top 34% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.28×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.3%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.6%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -85.2 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.37×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.6×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.47%
- Net buyback yield (TTM)
- -0.01%
- Shareholder yield
- 0.46%
- Share count change, 1 year
- +0.5%
- Share count change, 3-year CAGR
- +0.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 10, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +6.4%
- Average 2-day reaction, last 8
- -0.6%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $53.00
- Target vs current price
- +4.8%
- Analysts with a rating
- 10
- Share rating Buy or Strong Buy
- 40%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 20, 2026 | +6.4% | -1.0% | +3.9% | +9.6% | — |
| Apr 20, 2026 | +0.0% | +0.9% | -0.5% | -5.5% | +11.7% |
| Jan 20, 2026 | +1.3% | -1.1% | -0.9% | +5.5% | +6.0% |
| Oct 21, 2025 | +17.8% | +0.3% | +0.3% | -1.4% | +12.5% |
| Jul 21, 2025 | +4.5% | -0.6% | -2.2% | -2.4% | -6.8% |
| Apr 21, 2025 | +21.8% | -1.9% | +4.2% | +12.5% | +23.1% |
| Jan 21, 2025 | +14.0% | +1.9% | +13.1% | +14.0% | -10.7% |
| Oct 21, 2024 | +14.9% | -3.0% | +1.9% | +15.6% | +0.4% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 20, 2026 | $0.96 | $0.90 | +6.4% | $56.0M |
| Apr 20, 2026 | $0.81 | $0.81 | +0.0% | $53.8M |
| Jan 20, 2026 | $0.81 | $0.80 | +1.3% | $53.3M |
| Oct 21, 2025 | $0.86 | $0.73 | +17.8% | $47.1M |
| Jul 21, 2025 | $0.69 | $0.66 | +4.5% | $49.2M |
| Apr 21, 2025 | $0.67 | $0.55 | +21.8% | $46.8M |
| Jan 21, 2025 | $0.57 | $0.50 | +14.0% | $46.7M |
| Oct 21, 2024 | $0.54 | $0.47 | +14.9% | $44.2M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 14.9× | 12.8× | 86th | Top 49% |
| P/E (forward) | 13.5× | — | — | — |
| EV / EBITDA | 12.1× | — | — | Top 38% |
| EV / Sales | 2.72× | — | — | Top 38% |
| Free-cash-flow yield | 8.08% | — | — | Top 49% |
| Earnings yield | 6.70% | — | — | Top 49% |
P/E over the past five years
Range 7.5× – 18.7× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +46.2%
- Earnings per share growth (TTM)
- +37.2%
- Change in P/E multiple
- +11.3%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 291
- 50-day average slope (20 days)
- +2.7%
- 200-day average slope (20 days)
- +3.3%
- Distance from 50-day average
- -1.7%
- Distance from 200-day average
- +14.9%
- RSI (14)
- 48.7
- Relative volume
- 0.51×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 19.4%
- Volatility vs own 5-year history
- 6th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.89
- Correlation with S&P 500
- 0.47
- Current drawdown from 1-year high
- -5.0%
- Maximum drawdown, 3 years
- -26.5%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 25, 2022 | Apr 17, 2024 | -37.2% | 348 days | 126 days (Oct 16, 2024) |
| Nov 6, 2024 | Apr 11, 2025 | -26.5% | 106 days | 93 days (Aug 26, 2025) |
| Jan 7, 2022 | Jul 14, 2022 | -18.5% | 128 days | 72 days (Oct 25, 2022) |
| Feb 6, 2026 | Mar 20, 2026 | -13.4% | 29 days | 55 days (Jun 9, 2026) |
| Sep 18, 2025 | Oct 10, 2025 | -11.6% | 16 days | 42 days (Dec 10, 2025) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $871.9M
- P/E (TTM)
- 14.9
- EPS, diluted (TTM)
- $3.39
- Revenue (TTM)
- $331.2M
- Dividend yield
- 0.67%
- 52-week range
- $33.01 – $54.14
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $149.2M | $186.5M | $240.4M | $285.3M | $316.4M |
| Gross profit | $135.7M | $161.2M | $149.4M | $166.3M | $192.9M |
| Operating income | $44.3M | $54.9M | $36.2M | $45.5M | $61.5M |
| Net income | $34.8M | $43.0M | $28.6M | $36.1M | $50.3M |
| EPS (diluted) | $2.22 | $2.55 | $1.69 | $2.14 | $2.98 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $73.1M | $75.1M | $75.0M | $78.4M | $79.2M | $83.8M | $82.2M | $85.9M |
| Net income | $9.1M | $9.6M | $11.3M | $11.7M | $13.7M | $13.7M | $13.7M | $16.3M |
| EPS (diluted) | $0.54 | $0.57 | $0.67 | $0.69 | $0.81 | $0.81 | $0.81 | $0.96 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $46.2M | $56.8M | $39.7M | $52.7M | $61.7M |
| Capital expenditure | -$2.4M | -$12.5M | -$6.3M | -$6.4M | -$2.4M |
| Free cash flow | $43.8M | $44.3M | $33.4M | $46.3M | $59.3M |
| Dividends paid | -$3.7M | -$4.7M | -$5.4M | -$5.4M | -$5.5M |
| Net share buybacks | -$1.0M | $397,000 | $165,000 | -$2.9M | $153,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $642.9M
- Total assets
- $6.12B
- Total liabilities
- $5.54B
- Total debt
- $110.4M
- Net debt
- $27.5M
- Shareholders’ equity
- $576.8M
As of Jun 30, 2026 (filed Aug 10, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Jul 31, 2026 | $0.09 | Aug 17, 2026 |
| May 15, 2026 | $0.09 | Jun 1, 2026 |
| Feb 13, 2026 | $0.08 | Mar 2, 2026 |
| Nov 17, 2025 | $0.08 | Dec 2, 2025 |
| Aug 8, 2025 | $0.08 | Aug 25, 2025 |
| May 2, 2025 | $0.08 | May 19, 2025 |
| Jan 31, 2025 | $0.08 | Feb 18, 2025 |
| Nov 12, 2024 | $0.08 | Nov 27, 2024 |
Short interest
- Shares sold short
- 498,474
- Days to cover
- 4.91
- Change vs previous report
- +26.2%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Sep 23, 2015
- 1-for-4
- Sep 16, 2009
- 51-for-50
- Dec 19, 2006
- 2-for-1
- Sep 16, 2004
- 2-for-1