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SMBK · Smartfinancial Inc.

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$50.99 +1.13 (+2.27%) At close · Oct 2
Market Cap
$860.40M
Shares
17.10M
Volume · Oct 2 101.48K Avg daily vol (3M) 121.95K

Price & Indicators

Drag to pan · scroll to zoom
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$50.99 Open$50.34 Day$50.19–51.19 52W close$33.44–53.23 Avg vol 30d122K Short int498K · 2.9% float · 4.9d Short vol61% Last earningsJul 21, 2026 DataJan 2020–Oct 2026 Filing10-Q · Aug 10

Up next

Next earnings call
Oct 21, 2026 Est · unconfirmed · in 3 wks
filed Aug 10, 2026
call held Jul 21, 2026

Metrics snapshot

Useful current figures from the complete screener profile.

Revenue (TTM)
$214.15M
Trailing 12 months
Net income (TTM)
$57.39M
Trailing 12 months
Revenue growth YoY
+13.6%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
15.0
Trailing earnings · reciprocal yield 6.6%
FCF yield
7.6%
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
$378.78M
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
+0.5%
Year over year · more shares
Price change (1Y)
+47.3%
Trailing year
Short interest
2.9%
Latest settlement · 4.9 days to cover
View all 115 metrics

Equibles Rating

blended score · not investment advice
Overall
Buy
SellHoldBuy
Technical Buy Momentum Very Strong Sentiment Neutral Fundamentals Excellent Quant / Vol Very Low
Market backdrop VIX 15.3 · calm Equity put/call 0.58
Technical
price trend
Buy
50 / 200-day cross No cross
Price vs 200-day avg +16%
above
Price vs 50-day avg −1%
below
RSI (14) 52
neutral
MACD trend Negative
52-week position 89%
near high
Momentum
relative strength
Very Strong
1-month return −2%
trailing
6-month return +20%
trailing
YTD return +38%
this year
Relative strength +8%
vs S&P · 6-mo
Sentiment
smart money
Neutral
Trend (MA cross) No cross
50d $51 › 200d $44 — 50d above 200d
Institutional flow Flat
1 of 184 funds reported for Sep 30 · net 0 sh shares
Insider flow Distributing
Net -$34.7K over 90 days · 100% sells
Short interest Rising
2.92% of float · ▲ +26.2% MoM · 4.9 days cover
Volume signal Normal
Volume near normal
Institution breadth Multi-yr high
184 holders — near 3-yr high, broad support
Squeeze score 68
elevated · 0–100
Fundamentals
Excellent
EPS growth +39%
Y/Y
Free cash flow $59.3M
Valuation P/E 14.8
rich
Buyback $10.0M
remaining
Balance sheet $461.4M
net cash
Quant / Vol
risk profile
Very Low
Volatility 25%
annualized · 1-yr
Max drawdown −13%
past year
ATR 2.3%
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 Mar 31, 2026
Non-interest income · second quarter $7.8M
Non-interest expense · second quarter $34M – $34.5M
Salary and benefit expenses · second quarter $20.5M – $21M

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

Technicals

trend & momentum for long-term holders Buy
1 · 3 · 2
50 / 200-day cross
No cross Neutral
Price vs 200-day avg
+16% Bullish
Price vs 50-day avg
−1% Neutral
RSI (14)
52 Neutral
MACD trend
Negative Bearish
52-week position
89% Bullish
Market signals — smart money & positioning
Bearish · 2 of 6
Trend (MA cross) No cross
50d $51 › 200d $44 — 50d above 200d
Institutional flow Flat
1 of 184 funds reported for Sep 30 · net 0 sh shares
Insider flow Distributing
Net -$34.7K over 90 days · 100% sells
Short interest Rising
2.92% of float · ▲ +26.2% MoM · 4.9 days cover
Volume signal Normal
Volume near normal
Institution breadth Multi-yr high
184 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $33 Now $51 · 89% Range high $53
vs 200-day avg +16% vs 50-day avg -1%

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
Provision for credit losses on loan and lease $1.9M the three months ended June 30, 2026 filing —

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
$860.40M +37.8% — 14.8 2.9%
MFG
Mizuho Financial Group Inc
$133.98B +48.8% — — 0.1%
HDB
Hdfc Bank Ltd
$118.26B -38.9% -3.2% — 0.7%
CIXPF
CaixaBank/ADR
$103.83B +26.7% — — 0.1%
IBN
Icici Bank Ltd
$100.21B -7.9% — — 0.6%

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
Holders
184
% held
65.1%
Reported
1 of 184
Top holder
BlackRock, Inc.
Held Float
View
Held by Funds
Fund positions
200
View
Short & Settlement
Short Interest Rising
Shares short
498.5K
Days to cover
4.9d
Change
+103.4K sh
View
Short Volume
Short vol %
61%
As of
Oct 2, 2026
Short Total
View
Fails to Deliver
FTD shares
2.3K
Value
$120.0K
As of
Sep 14, 2026
View
Off-Exchange
Off-exchange %
36.5%
Week of
Aug 24, 2026
Off-exch Lit
View
Smart Money
Insider Trades Net selling
Net (90d)
-$34.7K
Buyers / Sellers
0 / 1
Buyers Sellers
View
Financials
Financials
Net income (FY)
$50.3M
EPS diluted
$2.98
View
Buybacks
Authorized
$10.0M
Remaining
$10.0M
Spent Remaining
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
Webcasts
Last webcast
Jul 21, 2026
View
Investor Relations
Latest news
SmartFinancial Announces Results…
Published
Jul 20, 2026
View

Performance

5D 20D 120D MTD YTD
SMBK +1.3% -1.6% +20.2% +2.9% +37.9%
SPY -0.2% -0.5% +12.2% +0.9% +12.9%
vs SPY +1.6% -1.2% +8.0% +1.9% +25.0%

Capital returns

Buyback program · as of Mar 31, 2026
Authorized
$10.00M
Spent (derived)
$0
Remaining
$10.00M
Spent Remaining

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) 3 filings 3 filers Visit website Investor relations