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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.
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| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 61.50M | 45.46M | 36.23M | 54.91M | 44.32M |
| Net income | 50.35M | 36.14M | 28.59M | 43.02M | 34.79M |
| Selling general administrative | 92.94M | 75.49M | 68.91M | 73.38M | 59.85M |
| Selling and marketing expenses | 1.62M | 1.32M | 1.34M | 1.29M | 0.83M |
| Gross profit | 192.88M | 166.35M | 149.38M | 6.38M | 137.34M |
| Reconciled depreciation | 9.74M | 11.41M | 13.50M | 2.61M | 2.26M |
| Ebit | 61.50M | 45.46M | 36.23M | 86.28M | 44.32M |
| Ebitda | 69.93M | 56.87M | 49.72M | 88.89M | 46.58M |
| Depreciation and amortization | 8.43M | 11.41M | 13.50M | 2.61M | 2.26M |
| Operating income | 61.50M | 45.46M | 36.23M | 86.28M | 44.32M |
| Other operating expenses | 254.87M | 239.81M | 204.14M | 1.29M | -93.02M |
| Interest expense | 119.87M | 113.77M | 87.96M | 21.33M | 11.84M |
| Tax provision | 11.15M | 9.32M | 7.63M | 11.89M | 9.53M |
| Interest income | 285.97M | 251.12M | 218.04M | 158.83M | 125.23M |
| Net interest income | 166.10M | 137.35M | 130.08M | 137.50M | 113.39M |
| Income tax expense | 11.15M | 9.32M | 7.63M | 11.89M | 9.53M |
| Total revenue | 316.37M | 285.27M | 240.37M | 6.38M | 137.34M |
| Total operating expenses | 131.38M | 120.89M | 113.15M | 1.29M | -93.02M |
| Cost of revenue | 123.48M | 118.92M | 90.99M | - | - |
| Total other income expense net | - | -204.34M | -116.18M | -31.37M | -11.84M |
| Net income from continuing ops | 50.35M | 36.14M | 28.59M | 43.02M | 34.79M |
| Net income applicable to common shares | - | - | - | 43.02M | 34.79M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 5860.81M | 5275.90M | 4829.39M | 4612.91M | 4611.58M |
| Intangible assets | 4.93M | 8.62M | 11.00M | 13.63M | 14.29M |
| Other current assets | 10.87M | - | - | -82.74M | 2262.61M |
| Total liab | 5308.32M | 4784.44M | 4369.50M | 4180.46M | 4182.15M |
| Total stockholder equity | 552.38M | 491.35M | 459.89M | 432.45M | 429.43M |
| Other current liab | 5152.79M | 4686.48M | -8.00M | -12.50M | -7.11M |
| Common stock | 17.03M | 16.93M | 16.99M | 16.90M | 16.80M |
| Capital stock | 17.03M | 16.93M | 16.99M | 16.90M | 16.80M |
| Retained earnings | 248.72M | 203.82M | 173.10M | 156.54M | 118.25M |
| Other liab | - | - | - | 21.48M | 30.70M |
| Good will | 95.33M | 96.10M | 96.14M | 96.14M | 91.56M |
| Other assets | 5080.74M | 4501.25M | 4159.28M | 3675.62M | 2262.61M |
| Cash | 464.42M | 373.51M | 294.82M | 266.42M | 1045.08M |
| Total current liabilities | 5155.80M | 4694.58M | 8.00M | 12.50M | 7.11M |
| Net debt | -362.75M | -325.73M | -244.72M | -194.63M | -915.56M |
| Short term debt | 3.01M | 8.10M | 8.00M | 12.50M | 7.11M |
| Short long term debt | 0.00M | 4.00M | 8.00M | 12.50M | 7.11M |
| Short long term debt total | 101.67M | 47.78M | 50.10M | 71.79M | 129.51M |
| Other stockholder equity | 295.95M | 294.27M | 295.70M | 294.33M | 292.94M |
| Property plant equipment | - | - | - | 92.51M | 85.96M |
| Total current assets | 1153.73M | 748.69M | 470.00M | 735.01M | 1581.24M |
| Long term investments | 662.00M | 608.99M | 689.65M | 785.37M | 575.92M |
| Net tangible assets | - | - | - | 322.68M | 323.58M |
| Short term investments | 678.44M | 311.22M | 408.41M | 483.89M | 482.45M |
| Net receivables | 4295.45M | 63.96M | 68.11M | 67.43M | 53.71M |
| Long term debt | 98.66M | 39.68M | 42.10M | 59.29M | 129.51M |
| Inventory | - | - | - | 1.44M | -3752.97M |
| Accounts payable | - | - | - | 4077.10M | 4021.94M |
| Accumulated other comprehensive income | -9.32M | -23.67M | -25.91M | -35.32M | 1.44M |
| Common stock total equity | - | - | - | 16.90M | 16.80M |
| Retained earnings total equity | - | - | - | 156.54M | 118.25M |
| Non currrent assets other | 200.69M | 222.68M | -689.65M | -785.37M | -767.73M |
| Non current assets total | 4707.08M | 4527.21M | 200.11M | 202.28M | 767.73M |
| Long term debt total | - | - | - | 83.88M | 129.51M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -39.58M | -420.22M | -167.55M | -825.36M | -239.64M |
| Change to liabilities | - | - | - | 26.99M | 7.30M |
| Total cashflows from investing activities | -499.05M | -420.22M | -135.24M | -840.82M | -264.99M |
| Net borrowings | 54.57M | -6.50M | -4.50M | -45.73M | 5.59M |
| Total cash from financing activities | 514.17M | 402.82M | 181.37M | 5.37M | 782.17M |
| Change to operating activities | - | - | - | 1.57M | 0.84M |
| Net income | 50.35M | 36.14M | 28.59M | 43.02M | 34.79M |
| Change in cash | 76.85M | 35.30M | 85.85M | -778.65M | 563.36M |
| Begin period cash flow | 387.57M | 352.27M | 266.42M | 1045.08M | 481.72M |
| End period cash flow | 464.42M | 387.57M | 352.27M | 266.42M | 1045.08M |
| Total cash from operating activities | 61.72M | 52.70M | 39.72M | 56.79M | 46.18M |
| Issuance of capital stock | 0.15M | 0.18M | 0.26M | 0.19M | 0.20M |
| Depreciation | 9.74M | 11.41M | 13.50M | 12.64M | 6.75M |
| Other cashflows from investing activities | -468.28M | -498.87M | -212.74M | -2.97M | -22.98M |
| Dividends paid | 5.45M | 5.42M | 5.43M | -4.72M | -3.73M |
| Change to account receivables | -1.45M | -0.90M | -2.99M | -4.24M | 0.81M |
| Sale purchase of stock | 0.00M | -2.97M | 0.00M | 0.19M | -1.21M |
| Other cashflows from financing activities | 464.90M | 417.64M | 191.13M | 86.20M | 788.00M |
| Change to netincome | - | - | - | 6.10M | 7.55M |
| Capital expenditures | 2.39M | 6.41M | 6.27M | 12.49M | 2.38M |
| Change receivables | - | - | - | -4.24M | 0.81M |
| Cash flows other operating | - | - | - | -27.73M | -11.02M |
| Cash and cash equivalents changes | - | - | - | -778.65M | 563.36M |
| Change in working capital | 0.48M | 3.02M | -10.33M | -2.67M | 1.65M |
| Stock based compensation | 1.94M | 1.63M | 1.35M | 1.30M | 0.69M |
| Other non cash items | -0.32M | 0.38M | 5.30M | 3.05M | 1.66M |
| Free cash flow | 59.34M | 46.30M | 33.45M | 44.31M | 43.80M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| SMBK SmartFinancial, Inc. |
-0.27 0.55% |
48.54 | 15.42 | 14.10 | 4.38 | 1.55 | 4.72 |
| DBSDY DBS Group Holdings Ltd ADR |
0.20 0.09% |
231.02 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
-0.36 1.07% |
33.16 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
- -% |
84.14 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
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.
| Name | Title | Year Born |
|---|---|---|
| Mr. William Young Carroll Jr. | Pres, CEO & Director | 1969 |
| Mr. Ronald J. Gorczynski | Exec. VP & CFO | 1966 |
| Mr. Nathaniel Frank Hughes | Exec. VP, Investor Relations & Treasurer | 1959 |
| Mr. Gregory L. Davis | Exec. VP & Chief Lending Officer of SmartBank | 1967 |
| Mr. Rhett D. Jordan | Exec. VP & Chief Credit Officer of SmartBank | 1972 |
| Mr. Gary Wayne Petty Jr. | Exec. VP & Chief Risk Officer | 1975 |
| Ms. Kelley L. Fowler | Sr. VP and Director of Marketing & PR - SmartBank | NA |
| Travis Lytle | Sr. VP and Director of Community Devel. & Community Reinvestment Act Officer | NA |
| Mr. Daniel Hereford | Exec. VP & Chief Information Officer of SmartBank | 1981 |
| Monty Hatcher | Exec. VP | NA |
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Consumer Cyclical
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