SMBK - NASDAQ

SmartFinancial, Inc.

SMBK·NASDAQ

$37.87

-0.99%

Financial ServicesBanks - Regional

SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers. It operates through Commercial Real Estate, Consumer Real Estate, Construction and Land Development, Commercial and Industrial, and Consumer and Other segments. The company offers noninterest-bearing and interest-bearing checking, interest-bearing demand, savings, money market, time deposit, individual retirement accounts, as well as certificates of deposit. It also provides commercial and residential real estate, consumer real estate, and construction and land development loans; commercial and financial loans; mortgage loans; and direct consumer installment loans, educational, and other revolving credit loans; and overdraft facilities. In addition, the company offers wealth management, insurance, mortgage origination, and Internet and mobile banking services. As of March 1, 2022, it had 41 full-service branches and 2 loan production offices in East and Middle Tennessee, Alabama, and the Florida Panhandle. The company is headquartered in Knoxville, Tennessee.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$644.90M

EPS2.1600

P/E Ratio17.53

Earnings Date04/20/2026

5.28B

Assets

3Y+14.0%

5Y+115.0%

10Y+415.0%

4.78B

Total Liabilities

3Y+14.0%

5Y+124.0%

10Y+418.0%

491.46M

Total Equity

3Y+14.0%

5Y+57.0%

10Y+391.0%

SmartFinancial, Inc. Funding & Solvency Profile

SMBK · NASDAQ

Current Assets

Cash & Cash Equivalents373.51M

Net Receivables63.96M

Inventory0.00

Other Current Assets0.00

Total Current Assets749 M

Non-Current Assets

Property, Plant & Equipment91.09M

Goodwill & Intangible Assets104.72M

Long-Term Investments4.11B

Other Non-Current Assets222.68M

Total Non-Current Assets4 B

Total Assets

5.28B

Financial Health Analysis

Current Ratio

0.16x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

9.74x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-3945892000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

14% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

SmartFinancial, Inc. Balance Sheet

SMBK • NASDAQ

SmartFinancial, Inc. Balance Sheet	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006	Dec 2005
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	373.5M	294.8M	251.1M	1B	415.3M	160.5M	115.8M	106.1M	68.7M	73.8M	39M	24.9M	59.4M	38.9M	23M	38.2M	10.9M	14.9M	17.6M	14.6M
Short-Term Investments	311.2M	408.4M	483.9M	482.5M	215.6M	178.3M	201.7M	151.9M	129.4M	166.4M	98.9M	92.2M	76.1M	86.1M	0.0	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	684.7M	703.2M	735M	1.5B	630.9M	338.9M	317.5M	258M	198.2M	240.2M	137.9M	117.1M	135.5M	124.9M	23M	38.2M	10.9M	14.9M	17.6M	14.6M
Net Receivables	64M	68.1M	66.1M	53.4M	0.0	0.0	0.0	0.0	0.0	0.0	1.1M	977.9K	1.2M	1.3M	1.3M	1.5M	1.8M	2.4M	2.1M	1.7M
Accounts Receivables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	1.1M	977.9K	1.2M	1.3M	1.3M	1.5M	1.8M	2.4M	2.1M	1.7M
Other Receivables	64M	68.1M	66.1M	53.4M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Current Assets	748.7M	771.3M	801.1M	1.5B	630.9M	338.9M	317.5M	258M	198.2M	240.2M	139M	118M	136.7M	126.3M	24.3M	39.7M	12.6M	17.3M	19.8M	16.3M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	91.1M	93M	92.5M	86M	72.7M	59.4M	56M	43M	30.5M	25M	15.9M	5M	5.4M	5.7M	8M	8.1M	8.5M	6.5M	6.1M	7.2M
Goodwill	96.1M	96.1M	96.1M	91.6M	74.1M	65.6M	66.1M	42.9M	4.2M	4.2M	242.0	0.0	0.0	0.0	0.0	2.5M	2.5B	2.5B	2.1M	1.7M
Intangible Assets	8.6M	11M	13.6M	14.3M	12.3M	11.6M	12.9M	8M	2.5M	2.8M	258K	421.3K	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Goodwill & Intangible Assets	104.7M	107.1M	109.8M	105.9M	86.5M	77.2M	79M	50.8M	6.6M	6.9M	258.2K	0.0	0.0	0.0	0.0	2.5M	2.8M	2.9M	3M	3.4M
Long-Term Investments	4.1B	3.6B	3.5B	2.7B	2.4B	1.9B	1.8B	1.3B	808.3M	723.4M	359.5M	286.3M	270.9M	260.4M	384.5M	455.3M	422.7M	404.8M	338.5M	292.5M
Other Non-Current Assets	222.7M	231M	182.2M	173.6M	139.2M	80.6M	41.4M	51.5M	18.8M	28.4M	19M	22.9M	30.4M	30.2M	24.7M	26.7M	25.2M	12.8M	7.5M	4.2M
Total Non-Current Assets	4.5B	4.1B	3.8B	3.1B	2.7B	2.1B	2B	1.5B	864.3M	783.8M	394.8M	314.2M	306.7M	296.4M	417.2M	492.7M	459.2M	427.1M	355.2M	307.3M
Total Assets	5.3B	4.8B	4.6B	4.6B	3.3B	2.4B	2.3B	1.7B	1.1B	1B	533.8M	432.2M	440.5M	422.7M	441.5M	532.4M	471.8M	444.4M	374.9M	323.6M
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	71.9K	82.3K	120.6K	110.7K	176.8K	351.4K	469.6K	216.1K	308.4K	242.9K
Accounts Payable	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	71.9K	82.3K	120.6K	110.7K	176.8K	351.4K	469.6K	216.1K	308.4K	242.9K
Accrued Expenses	0.0	0.0	0.0	0.0	0.0	0.0	7.3M	8.7M	5M	3M	1.3M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Short Term Debt	8.1M	13.1M	17.3M	12.2M	5.8M	6.2M	11.8M	24.1M	26.6M	46.1M	25.8M	23M	19.6M	29.4M	24.3M	26.3M	35.8M	41.6M	19.2M	4.8M
Other Current Liabilities	4.7B	4.3B	4.1B	4B	2.8B	2B	1.9B	1.4B	907.1M	858.5M	454.8M	341.4M	344.9M	314M	335.4M	404.7M	326.6M	313.2M	275.8M	252.4M
Total Current Liabilities	4.7B	4.3B	4.1B	4B	2.8B	2.1B	1.9B	1.5B	938.7M	907.6M	482M	364.5M	364.6M	343.5M	359.9M	431.4M	362.8M	355M	295.4M	257.5M
NON-CURRENT LIABILITIES
Long Term Debt	39.7M	42.1M	66.6M	129.5M	114.7M	64.7M	50.4M	43.6M	18.5M	34.2M	12M	26.7M	37.2M	43M	54.7M	72.4M	71.3M	47.1M	39.5M	30M
Other Non-Current Liabilities	50.2M	46.4M	44M	18.5M	22M	18.3M	-460.0	0.0	0.0	-18M	-16.1M	878.8K	794K	858.6K	1M	801.5K	1.2M	6M	1.9M	3.7M
Total Non-Current Liabilities	89.9M	88.5M	110.6M	148M	136.8M	83M	50.4M	43.6M	18.5M	16.2M	-4.1M	27.6M	38M	43.9M	55.7M	73.2M	72.5M	53.1M	41.4M	33.7M
Total Liabilities	4.8B	4.4B	4.2B	4.2B	2.9B	2.1B	2B	1.5B	957.2M	923.8M	477.9M	392.1M	399.6M	387.4M	415.7M	504.6M	435.3M	408.1M	336.8M	291.1M
SHAREHOLDERS' EQUITY
Treasury Stock	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-9.7K
Preferred Stock	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	12K	12K	12K	14.9M	14.8M	9.9M	2.7M	0.0	0.0	0.0	0.0	0.0
Common Stock	16.9M	17M	16.9M	16.8M	15.1M	14M	13.9M	11.2M	5.9M	5.8M	3M	6.5M	6.5M	6.5M	6.5M	6.5M	6.3M	6.4M	6.5M	3.2M
Additional Paid-In Capital	294.3M	295.7M	294.3M	292.9M	252.7M	232.7M	231.9M	174M	83.5M	82.6M	42.5M	21.6M	21.4M	21.3M	21.2M	21.2M	20.3M	20.5M	21.8M	21.2M
Retained Earnings	203.8M	173.1M	156.5M	118.2M	87.2M	65.8M	40M	21.9M	16.9M	12.1M	10.7M	-3.1M	-3.3M	-3.6M	-4.3M	424.9K	10.1M	9.3M	9.9M	8.2M
Accumulated Other Comprehensive Income/Loss	-23.7M	-25.9M	-35.3M	1.4M	2.2M	168K	-2.8M	-1.2M	-1M	-352K	-303.2K	243.3K	1.5M	1.1M	-328.8K	-250.5K	-187K	107K	-58.6K	-166K
Other Total Stockholders' Equity	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	9.7K
Total Stockholders' Equity	491.3M	459.9M	432.5M	429.4M	357.2M	312.7M	283M	205.9M	105.2M	100.2M	55.9M	40.1M	40.9M	35.2M	25.8M	27.8M	36.5M	36.3M	38.2M	32.5M
Total Equity	491.5M	459.9M	432.5M	429.4M	357.2M	312.7M	283M	205.9M	105.2M	100.2M	55.9M	40.1M	40.9M	35.2M	25.8M	27.8M	36.5M	36.3M	38.2M	32.5M
Minority Interest	113K	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
SUMMARY
Total Liabilities & Equity	5.3B	4.8B	4.6B	4.6B	3.3B	2.4B	2.3B	1.7B	1.1B	1B	533.8M	432.2M	440.5M	422.7M	441.5M	532.4M	471.8M	444.4M	374.9M	323.6M
Total Investments	4.4B	4B	3.9B	3.2B	2.6B	2.1B	2B	1.5B	937.7M	889.8M	458.4M	378.5M	347M	346.5M	384.5M	455.3M	422.7M	404.8M	338.5M	292.5M
Total Debt	47.8M	55.2M	83.9M	141.7M	120.5M	70.9M	62.2M	67.7M	45.1M	80.3M	37.8M	49.7M	56.8M	72.4M	79M	98.7M	107M	88.7M	58.7M	34.8M
Net Debt	-325.7M	-239.6M	-167.2M	-865.9M	-294.8M	-89.7M	-53.6M	-38.4M	-23.6M	6.5M	-1.3M	24.9M	-2.6M	33.6M	56.1M	60.5M	96.2M	73.7M	41.1M	20.2M
Shares Outstanding	17,028,001	17,028,001	17,028,001	17,028,001	17,028,001	17,028,001	17,028,001	17,028,001	17,028,001	17,028,001	17,028,001	17,028,001	17,028,001	17,028,001	17,028,001	17,028,001	17,028,001	17,028,001	17,028,001	17,028,001

SEC Filings

SMBK - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 22, 2026	May 21, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 11, 2026	March 31, 2026	2026	View Filing
S-3 S-3 N/A	May 01, 2026	May 01, 2026		View Filing
8-K 8-K 2026 N/A	April 30, 2026	April 30, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 20, 2026	April 20, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 07, 2026	May 21, 2026	2026	View Filing
8-K 8-K 2026 N/A	March 31, 2026	March 31, 2026	2026	View Filing
10-K 10-K 2025 FY FY	March 16, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	January 30, 2026	January 30, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 20, 2026	January 20, 2026	2026	View Filing

Showing 1 to 10 of 414 filings

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