Financial Services -
Banks - Regional - NASDAQ - US
$ 31.61
0.445 %
$ 538 M
Market Cap
13.99
P/E
1. INTRINSIC VALUE
Balance Sheet
SmartFinancial, Inc.
| Current Assets | 749 M |
| Cash & Short-Term Investments | 685 M |
| Receivables | 64 M |
| Other Current Assets | 0 |
| Non-Current Assets | 4.53 B |
| Long-Term Investments | 4.11 B |
| PP&E | 91.1 M |
| Other Non-Current Assets | 327 M |
| Current Liabilities | 4.69 B |
| Accounts Payable | 0 |
| Short-Term Debt | 8.1 M |
| Other Current Liabilities | 4.69 B |
| Non-Current Liabilities | 89.9 M |
| Long-Term Debt | 39.7 M |
| Other Non-Current Liabilities | 50.2 M |
EFFICIENCY
Earnings Waterfall
SmartFinancial, Inc.
| Revenue | 285 M |
| Cost Of Revenue | 119 M |
| Gross Profit | 166 M |
| Operating Expenses | 121 M |
| Operating Income | 45.5 M |
| Other Expenses | 9.32 M |
| Net Income | 36.1 M |
RATIOS
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis
SmartFinancial, Inc.
| Net Income | 36.1 M |
| Depreciation & Amortization | 11.4 M |
| Capital Expenditures | -6.4 M |
| Stock-Based Compensation | 1.63 M |
| Change in Working Capital | 3.02 M |
| Others | 4.04 M |
| Free Cash Flow | 46.3 M |
Wall Street Analysts Price Targets
SmartFinancial, Inc.
Wall Street analysts predict an average 1-year price target for SMBK of $30.2 , with forecasts ranging from
a
low of
$26 to a high of $36 .
SMBK Lowest Price Target
Wall Street Target
26 USD
-17.75%
SMBK Average Price Target
Wall Street Target
30.2 USD
-4.57%
SMBK Highest Price Target
Wall Street Target
36 USD
13.89%
4. DIVIDEND
ANALYSIS
0.26%
DIVIDEND YIELD
0.08 USD
DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership
SmartFinancial, Inc.
Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
12.5 K USD 1
6-9 MONTHS
1.49 M USD 3
9-12 MONTHS
7.38 K USD 1
Bought
0 USD 0
0-3 MONTHS
40.4 K USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Earnings Estimates Moving Higher for SmarFinancial (SMBK): Time to Buy?
SmarFinancial (SMBK) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions.
zacks.com
- 1 month ago
SmartFinancial, Inc. (SMBK) Q1 2025 Earnings Call Transcript
SmartFinancial, Inc. (NYSE:SMBK ) Q1 2025 Earnings Conference Call April 22, 2025 10:00 AM ET Company Participants Nathan Strall - Vice President and Director of Strategy & Corporate Development Billy Carroll - President and Chief Executive Officer Ron Gorczynski - Executive Vice President and Chief Financial Officer Rhett Jordan - Executive Vice President, Chief Credit Officer Miller Welborn - Chairman Conference Call Participants Stephen Scouten - Piper Sandler Catherine Mealor - KBW Russell Gunther - Stephens Brett Rabatin - Hovde Group Steve Moss - Raymond James Christopher Marinac - Janney Montgomery Scott Operator Hello everyone, and welcome to the SmartFinancial First Quarter 2025 Earnings Release and Conference Call. My name is Ezra and I will be your coordinator today.
seekingalpha.com
- 2 months ago
SmarFinancial (SMBK) Reports Q1 Earnings: What Key Metrics Have to Say
Although the revenue and EPS for SmarFinancial (SMBK) give a sense of how its business performed in the quarter ended March 2025, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
zacks.com
- 2 months ago
SmarFinancial (SMBK) Q1 Earnings and Revenues Surpass Estimates
SmarFinancial (SMBK) came out with quarterly earnings of $0.67 per share, beating the Zacks Consensus Estimate of $0.55 per share. This compares to earnings of $0.49 per share a year ago.
zacks.com
- 2 months ago
SmartFinancial Announces Results for the First Quarter 2025
KNOXVILLE, Tenn.--(BUSINESS WIRE)--SmartFinancial, Inc. ("SmartFinancial" or the "Company"; NYSE: SMBK), today announced net income of $11.3 million, or $0.67 per diluted common share, for the first quarter of 2025, compared to net income of $9.4 million, or $0.55 per diluted common share, for the first quarter of 2024, and compared to prior quarter net income of $9.6 million, or $0.57 per diluted common share. Operating earnings1, which excludes non-recurring income, net of tax adjustments, to.
businesswire.com
- 2 months ago
SmarFinancial (SMBK) Q1 Earnings Preview: What You Should Know Beyond the Headline Estimates
Evaluate the expected performance of SmarFinancial (SMBK) for the quarter ended March 2025, looking beyond the conventional Wall Street top-and-bottom-line estimates and examining some of its key metrics for better insight.
zacks.com
- 2 months ago
SmartFinancial Sets Dates First Quarter Earnings Release and Conference Call
KNOXVILLE, Tenn.--(BUSINESS WIRE)--SmartFinancial, Inc. ("SmartFinancial") (NYSE: SMBK) announces details for the release of its results for the First Quarter of 2025. SmartFinancial plans to issue its earnings release for the first quarter of 2025 on Monday, April 21, 2025, after market close, and will host a conference call on Tuesday, April 22, 2025, at 10:00 a.m. ET. To access this interactive teleconference, dial (833) 470-1428 or (404) 975-4839 and enter the access code, 348422. A replay.
businesswire.com
- 2 months ago
Shomaker Appointed to SmartFinancial Board of Directors
AUBURN, Ala. & KNOXVILLE, Tenn.--(BUSINESS WIRE)--SmartBank, a subsidiary of SmartFinancial, Inc., proudly announces the appointment of Kelli Shomaker, a highly accomplished financial executive, to its board of directors, effective immediately. Shomaker brings an exceptional legacy of more than 29 years of dedicated service within the realms of higher education and financial stewardship. Shomaker currently serves as Senior Vice President for Business and Administration and Chief Financial Offic.
businesswire.com
- 3 months ago
SmartFinancial, Inc. (SMBK) Q4 2024 Earnings Conference Call Transcript
SmartFinancial, Inc. (NYSE:SMBK ) Q4 2024 Earnings Conference Call January 22, 2025 10:00 PM ET Company Participants Nathan Strall - Director of Strategy Billy Carroll - President and CEO Ronald Gorczynski - CFO Rhett Jordan - EVP, Chief Credit Officer Miller Welborn - Chairman Conference Call Participants Will Jones - KBW Nick Lorenzoni - Stephens Steve Moss - Raymond James Stephen Scouten - Piper Sandler Christopher Marinac - Janney Montgomery Scott Operator Hello everyone, and welcome to the SmartFinancial Fourth Quarter 2024 Earnings Release and Conference Call. My name is Ezra and I will be your coordinator today.
seekingalpha.com
- 5 months ago
SmarFinancial (SMBK) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates
Although the revenue and EPS for SmarFinancial (SMBK) give a sense of how its business performed in the quarter ended December 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
zacks.com
- 5 months ago
SmarFinancial (SMBK) Q4 Earnings and Revenues Beat Estimates
SmarFinancial (SMBK) came out with quarterly earnings of $0.57 per share, beating the Zacks Consensus Estimate of $0.54 per share. This compares to earnings of $0.41 per share a year ago.
zacks.com
- 5 months ago
SmartFinancial Announces Results for the Fourth Quarter 2024
KNOXVILLE, Tenn.--(BUSINESS WIRE)--SmartFinancial, Inc. ("SmartFinancial" or the "Company"; NYSE: SMBK), today announced net income of $9.6 million, or $0.57 per diluted common share, for the fourth quarter of 2024, compared to net income of $6.2 million, or $0.37 per diluted common share, for the fourth quarter of 2023, and compared to prior quarter net income of $9.1 million, or $0.54 per diluted common share. Operating earnings1, which excludes non-recurring income, net of tax adjustments, t.
businesswire.com
- 5 months ago
8. Profile
Summary
SmartFinancial, Inc. SMBK
COUNTRY
US
INDUSTRY
Banks - Regional
MARKET CAP
$ 538 M
Dividend Yield
0.26%
Description
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.
Contact
5401 Kingston Pike, Knoxville, TN, 37919
https://www.smartbank.com
IPO
Date
Oct. 7, 2003
Employees
597
Officers
Mr. William Young Carroll Jr.
President, Chief Executive Officer & Director
Mr. Monty Hatcher
Executive Vice President
Mr. Nathan Strall
Head of Investor Relations
Ms. Kelley L. Fowler
Senior Vice President and Director of Marketing & Public Relations - SmartBank
Mr. Rhett D. Jordan
Executive Vice President & Chief Credit Officer
Ms. Cynthia A. Cain
Executive Vice President & Chief Accounting Officer
Ms. Robbie Washington
Senior Vice President, Community Reinvestment Act Officer & Director of HMDA
Mr. Travis Lytle
Senior Vice President and Director of Community Development & Community Reinvestment Act Officer
Mr. Ronald J. Gorczynski CPA
Executive Vice President & Chief Financial Officer
Ms. Rebecca C. Boyd
Executive Vice President & Chief People Officer