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SMBK · Smartfinancial Inc.

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$50.95 +0.30 (+0.59%) At close · Aug 20
Market Cap
$870.31M
Shares
17.10M

Price & Indicators

Indicators
Price
Panels
Event markers
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$50.95 Open$50.25 Day$50.10–50.96 52W close$33.44–53.23 Avg vol 30d126K Short int333K · 2.0% float · 2.1d Short vol72% Last earningsJul 21, 2026 DataJan 2020–Aug 2026 Filing10-Q · Aug 10

Up next

Next earnings call
Oct 21, 2026 Est · unconfirmed · in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
Latest filing: 10-Q
filed Aug 10, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Ask ALVIS about this →

      Equibles Rating

      blended score · not investment advice
      Overall
      Strong Buy
      SellHoldBuy
      Technical Buy Momentum Very Strong Sentiment Bullish Fundamentals Excellent Quant / Vol Low
      Market backdrop VIX 14.9 · calm Equity put/call 0.52
      Technical
      price trend
      Buy
      50 / 200-day cross No cross
      Price vs 200-day avg +22%
      above
      Price vs 50-day avg +4%
      above
      RSI (14) 51
      neutral
      MACD trend Negative
      52-week position 88%
      near high
      Momentum
      relative strength
      Very Strong
      1-month return +4%
      trailing
      6-month return +30%
      trailing
      YTD return +38%
      this year
      Relative strength +19%
      vs S&P · 6-mo
      Sentiment
      smart money
      Bullish
      Trend (MA cross) No cross
      50d $49 › 200d $42 — 50d above 200d
      Institutional flow Accumulating
      +5% holders QoQ · +25 funds added
      Insider flow Accumulating
      Net +$217.0K over 90 days · 33% sells
      Short interest Rising
      1.95% of float · ▲ +1.6% MoM · 2.1 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      183 holders — near 3-yr high, broad support
      Squeeze score 44
      elevated · 0–100
      Fundamentals
      Excellent
      EPS growth +39%
      Y/Y
      Free cash flow $59.3M
      Valuation P/E 15
      in line
      Balance sheet $461.4M
      net cash
      Quant / Vol
      risk profile
      Low
      Volatility 25%
      annualized · 1-yr
      Max drawdown −13%
      past year
      ATR 2.5%
      of price · 14-day

      Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

      Guidance & track record

      Latest guidance · from the Earnings Call filed Dec 31, 2025
      Noninterest income · first quarter $7.6M
      Noninterest expense · first quarter $33.5M – $34M
      Salary and benefit expenses · first quarter $20.5M – $21M
      Prior guidance period ended · from the Earnings Call filed Dec 31, 2025
      Margin · first quarter 2026 3.4% – 3.45%

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Buy
      1 · 2 · 3
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +22% Bullish
      Price vs 50-day avg
      +4% Bullish
      RSI (14)
      51 Neutral
      MACD trend
      Negative Bearish
      52-week position
      88% Bullish
      Market signals — smart money & positioning
      Bullish · 3 of 6
      Trend (MA cross) No cross
      50d $49 › 200d $42 — 50d above 200d
      Institutional flow Accumulating
      +5% holders QoQ · +25 funds added
      Insider flow Accumulating
      Net +$217.0K over 90 days · 33% sells
      Short interest Rising
      1.95% of float · ▲ +1.6% MoM · 2.1 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      183 holders — near 3-yr high, broad support
      Price context
      position in its 52-week range
      Range low $33 Now $51 · 88% Range high $53
      vs 200-day avg +22% vs 50-day avg +4%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from written earnings releases and filings
      Metric Latest Period YoY
      Allowance for Credit Losses (ACL) 5.39M 2Q26 —
      Average Loan Yield (excluding accretion & fees) 5.95% 2Q26 —
      Average tangible common equity (Non-GAAP) non-GAAP $476.65M Q2 FY2026 —
      CET1 Ratio 12.6% 2Q26 —
      Common shares outstanding 17,098,473 Q2 FY2026 —
      Core deposit growth 83M Q2 2026 —
      Cost of interest-bearing deposits 2.62% Q2 FY2026 —
      Cost of interest-bearing liabilities 2.74% Q2 2026 —
      Diluted Operating Earnings Per Share non-GAAP $0.96 2Q26 —
      Leverage Ratio 8.5% 2Q26 —
      Loan / Deposit Ratio 87% 2Q26 —
      Operating earnings (Non-GAAP) non-GAAP $16.28M Q2 FY2026 —
      Operating Efficiency Ratio non-GAAP 60% 2Q26 —
      Operating noninterest income (Non-GAAP) non-GAAP $7.83M Q2 FY2026 —
      Operating PPNR earnings (Non-GAAP) non-GAAP $21.94M Q2 FY2026 —
      Operating PPNR Return on Average Assets non-GAAP 1.48% 2Q26 —
      Operating Return on Average Assets non-GAAP 1.1% 2Q26 —
      Operating Return on Average Tangible Common Equity non-GAAP 13.7% 2Q26 —
      Quarter-over-quarter tangible book value per common share growth non-GAAP 13% Q2 2026 —
      Tangible Assets (Non-GAAP) non-GAAP $6.02B Q2 FY2026 —
      Tangible book value per common share non-GAAP $28.22 Q2 2026 —
      Tangible common equity (Non-GAAP) non-GAAP $482.51M Q2 FY2026 —
      Tangible common equity as a percentage of tangible assets non-GAAP 8.01% Q2 2026 —
      Total Branches 42 2Q26 —
      Deposit growth, excluding brokered deposits 95M first quarter of 2026 —
      Net interest margin, fully tax equivalent basis 3.48% first quarter of 2026 —
      Operating earnings per diluted common share non-GAAP $0.81 first quarter of 2026 —
      Deposit growth $102M Q4 FY2025 —
      Operating earnings non-GAAP $13.7M Q4 FY2025 —
      Organic deposit growth excluding brokered deposits (full year) 14% FY2025 —
      Organic loan growth (full year) 12% FY2025 —
      Positive operating leverage non-GAAP 11% FY2025 —
      Tangible book value per common share growth (full year) non-GAAP 17% FY2025 —
      Tangible book value per common share growth (quarter-over-quarter) non-GAAP 13% Q4 FY2025 —

      Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

      Versus peers

      Banks - Regional — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      SMBK
      Smartfinancial Inc.
      this stock
      		$870.31M +37.7% — 15.0 2.0%
      MFG
      Mizuho Financial Group Inc
      		 $123.19B +38.4% — — 0.1%
      HDB
      Hdfc Bank Ltd
      		 $118.97B -36.1% +15.2% — 0.5%
      IBN
      Icici Bank Ltd
      		 $105.45B -0.4% — — 0.5%
      CIXPF
      CaixaBank/ADR
      		 $100.59B +18.7% — — 0.1%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Accumulating
      Holders
      183
      % held
      64.9%
      Net QoQ
      +245.9K sh
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      207
      View
      Short & Settlement
      Short Interest Rising
      Shares short
      333.4K
      Days to cover
      2.1d
      Change
      +5.1K sh
      View
      Short Volume
      Short vol %
      72%
      As of
      Aug 20, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      124
      Value
      $6.4K
      As of
      Jul 28, 2026
      View
      Off-Exchange
      Off-exchange %
      33.5%
      Week of
      Jul 13, 2026
      Off-exch Lit
      View
      Smart Money
      Insider Trades Net buying
      Net (90d)
      +$217.0K
      Buyers / Sellers
      2 / 1
      Buyers Sellers
      View
      Financials
      Financials
      Net income (FY)
      $50.3M
      EPS diluted
      $2.98
      View
      Filings
      SEC Filings
      Latest
      10-Q
      Filed
      Aug 10, 2026
      This year
      12
      View
      Proposed Sales
      Value
      $403.9K
      Shares
      10.6K
      Filed
      Dec 10, 2025
      View
      Exempt Offerings
      Offering
      $100.0M
      Filed
      Sep 2, 2025
      View
      Earnings & Events
      Earnings Calls
      Last call
      Jul 21, 2026
      View
      Investor Relations
      Latest news
      SmartFinancial Announces Results…
      Published
      Jul 20, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      SMBK -3.1% +3.9% +29.9% -2.8% +37.7%
      SPY -2.0% +3.3% +11.2% +2.1% +11.8%
      vs SPY -1.1% +0.5% +18.8% -4.9% +25.9%

      Capital returns

      Latest dividend
      $0.09 / share · ex Jul 31, 2026
      Raised 12.5%
      Paid (TTM)
      $0.34 / share · 4 payouts
      Dividend yield (TTM, derived)
      0.67%

      Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

      Key facts CIK 1038773 CUSIP 83190L208 13F (30d) 169 filings 169 filers Visit website Investor relations

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