SmartFinancial, Inc.
General ticker "SMBK" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $628.6M (TTM average)
SmartFinancial, Inc. follows the US Stock Market performance with the rate: 55.2%.
Estimated limits based on current volatility of 1.6%: low 44.46$, high 45.91$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-05-15, amount 0.09$ (Y0.81%)
- Total employees count: 597 (+2.1%) as of 2024
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Interest rate risk, Cybersecurity threats, Government regulation, AI risks, Market competition
- Earnings for 3 months up through Q1 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [30.05$, 41.76$]
- 2026-12-31 to 2027-12-31 estimated range: [27.54$, 39.25$]
Financial Metrics affecting the SMBK estimates:
- Positive: with PPE of 12.6 at the end of fiscal year the price was neutral
- Positive: Operating profit margin, % of 30.66 > 18.39
- Positive: 6.59 < Operating cash flow per share per price, % of 9.62
- Negative: Return on assets ratio (scaled to [-100,100]) of 0.85 <= 1.81
- Negative: Interest expense per share per price, % of 18.69 > 3.31
- Negative: -0.16 < Industry inventory ratio change (median), % of 0
Short-term SMBK quotes
Long-term SMBK plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $152.41MM | $172.58MM | $200.61MM |
| Operating Expenses | $116.18MM | $127.12MM | $139.11MM |
| Operating Income | $36.23MM | $45.46MM | $61.50MM |
| Interest Expense | $87.96MM | $113.77MM | $119.87MM |
| Income(Loss) | $36.23MM | $45.46MM | $61.50MM |
| Taxes | $7.63MM | $9.32MM | $11.15MM |
| Net Income(Loss)* | $28.59MM | $36.14MM | $50.35MM |
| Stockholders Equity | $459.89MM | $491.35MM | $552.38MM |
| Assets | $4,829.39MM | $5,275.90MM | $5,860.81MM |
| Operating Cash Flow | $39.72MM | $52.70MM | $61.72MM |
| Capital expenditure | $6.27MM | $6.41MM | $2.39MM |
| Investing Cash Flow | $-135.24MM | $-420.22MM | $-499.05MM |
| Financing Cash Flow | $181.37MM | $402.82MM | $514.17MM |
| Earnings Per Share** | $1.70 | $2.16 | $3.00 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.