SMBK · Smartfinancial Inc.
Price & Indicators
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AI Brief
TL;DR.
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 adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders BuyIllustrative 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 |
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| Allowance for credit losses to total loans and leases | 0.97% | Second Quarter 2026 | — |
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| Average earning assets | 5.52B | Second Quarter 2026 | — |
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| Cost of total deposits | 2.15% | Second Quarter 2026 | — |
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| Net interest margin, FTE | 3.52% | Second Quarter 2026 | — |
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| Net organic loan and lease growth | 165M | Second Quarter 2026 | — |
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| Nonperforming loans and leases as a percentage of total loans and leases | 0.25% | Second Quarter 2026 | — |
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| Tangible book value per common share growth non-GAAP | 13% | Second Quarter 2026 | — |
| 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 | — |
| Total nonperforming assets as a percentage of total assets | 0.25% | first quarter of 2026 | — |
| Allowance for credit losses | $40.9M | Q4 FY2025 | — |
| Cost of average interest-bearing deposits | 2.79% | Q4 FY2025 | — |
| 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| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
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SMBK
this stock
Smartfinancial Inc.
|
$898.18M | +42.7% | — | 15.5 | 2.0% |
|
MFG
Mizuho Financial Group Inc
|
$132.42B | +48.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$120.05B | -36.0% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$108.39B | -0.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$102.52B | +23.1% | +7.2% | 14.1 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| SMBK | +1.6% | +9.6% | +31.6% | +0.7% | +42.7% |
| SPY | +0.4% | +4.5% | +13.8% | +3.9% | +13.9% |
| vs SPY | +1.2% | +5.2% | +17.8% | -3.2% | +28.8% |
Capital returns
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.