SMARTFINANCIAL INC (SMBK)
Financials · Regional commercial banking · NYSE
Regional community bank with $5.9 billion in assets serving Southeast markets through traditional lending and equipment finance, generating 44% YoY revenue growth with strong margins.
What SMARTFINANCIAL INC does
SmartFinancial, Inc. is a Tennessee-based bank holding company that owns and operates SmartBank, a commercial bank with 42 full-service branches across East and Middle Tennessee, Alabama, Florida, and Georgia. The bank attracts deposits and invests in a diversified portfolio of commercial loans, commercial and residential real estate loans, consumer loans, and construction loans, with additional operations through its subsidiary Fountain Equipment Finance, LLC, which provides equipment financing to small and medium-sized businesses in the Southeast.
Themes: ["Community banking","Commercial real estate lending","Equipment financing","Regional bank operations (Southeast)","Retail and commercial deposits"]
Fundamentals
- Price$46.16 as of 2026-07-09 close
- Market cap$792M as of 2026-07-10
- 1-year return+29.3% as of 2026-07-09 close
- P/E15.01 as of 2026-07-10
- Net margin+22.4% as of 2026-07-10
- ROE+9.7% as of 2026-07-10
- Debt / equity0.18 as of 2026-07-10
- Revenue growth (YoY)+44.0% as of 2026-07-10
- Beta0.71 as of 2026-07-10
Dividend: yield +0.8%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Loan portfolio concentration risk: approximately 74% of total assets are in loans and leases, with significant exposure to commercial real estate which is sensitive to real estate valuation and economic cycles","Deposit funding dependence: the bank relies heavily on deposits ($5.2 billion as of March 31, 2026) for funding, exposing it to deposit flight risk in competitive markets or periods of stress","Credit loss provision volatility: provision for credit losses increased significantly from $979 thousand in Q1 2025 to $4.1 million in Q1 2026, indicating rising credit stress or changing economic conditions"]
Competitors & peers
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.