SMARTFINANCIAL INC. (SMBK) SmartFinancial, Inc. functions as the parent entity for SmartBank, which offers a broad spectrum of financial solutions to both individual clients and corporate entities. The company's operations are structured across distinct segments: Commercial Real Estate, Consumer Real Estate, Construction and Land Development, Commercial and Industrial, and a broader Consumer and Other division. Its suite of deposit products includes non-interest and interest-bearing checking accounts, interest-bearing demand accounts, savings and money market accounts, various time deposits, Individual Retirement Accounts (IRAs), and certificates of deposit (CDs). Additionally, SmartFinancial's lending portfolio encompasses financing for commercial and residential properties, consumer real estate, and construction and land development projects. It also extends commercial and financial loans, mortgage loans, direct consumer installment loans, educational and other revolving credit facilities, and provides overdraft services. Beyond these core offerings, the company delivers wealth management, insurance products, mortgage origination, and convenient digital banking services accessible via the internet and mobile devices. As of March 1, 2022, SmartFinancial maintained a significant regional footprint, operating 41 full-service branches and two dedicated loan production offices across East and Middle Tennessee, Alabama, and the Florida Panhandle. The corporate headquarters are located in Knoxville, Tennessee.
Sector: National Commercial Banks
Industry: Banks - Regional
SmartFinancial, Inc. NYSE:SMBK Financial Services · Banks - Regional
Mkt Cap $848.08M
Div Yield 0.69%
AH Close $49.60 +0.00% vs close
AH Close $49.60 +0.00% vs close
Mkt Cap $848.08M
Div Yield 0.69%
All Press Release SEC Filings News
Press Release ⚠ 4
SmartFinancial Announces Results for the Third Quarter 2026
SmartFinancial reported Q3 2026 net income of $18.6 million, or $1.10 per diluted share, up from $13.7 million and $0.81 a year earlier, with operating revenue hitting a quarterly record of $57.5 million.
Growth was organic and balance-sheet led: $174 million in net loan growth (15% annualized) and $163 million in core deposit growth (12% annualized), alongside a new full-service financial center in Columbus, Georgia.
Margin pressure emerged as tax-equivalent NIM fell to 3.45% from 3.52% on higher funding costs, with cost of total deposits up 11bps to 2.26%; the quarter also included a $2.6 million tax benefit from transferable energy credits.
Credit quality remains benign with nonperforming loans at 0.28% of loans and a $687 thousand provision, while tangible book value per share rose to $28.50.
• 7d ago AI analysis › Press Release
SmartFinancial Sets Dates for Third Quarter Earnings Release and Conference Call
SmartFinancial (NYSE: SMBK) will release its third quarter 2026 results on Monday, October 19, 2026.
A conference call to discuss the results is scheduled for Tuesday, October 20, 2026, at 10:00 a.m. ET, with materials posted to the company website beforehand.
SmartFinancial is the Knoxville, Tennessee-based holding company for SmartBank, a commercial bank operating in Tennessee, Alabama, Florida and Georgia.
• 21d ago AI analysis › SEC Filing ⚠ 4
SMBK: 10-Q · periodic report
SmartFinancial, Inc. reported second quarter 2026 net income of $16.3 million, or $0.97 basic EPS ($0.96 diluted), up roughly 39% from $11.7 million and $0.70 basic EPS in the year-ago quarter. Six-month net income rose to $30.0 million from $23.0 million a year earlier.
Net interest income climbed 19% year over year to $48.1 million as the balance sheet expanded sharply: total assets reached $6.12 billion and loans and leases grew to $4.68 billion from $4.36 billion at December 31, 2025, funded in part by a $232.8 million net increase in deposits during the half.
Credit costs remain manageable, with the Q2 provision for credit losses of $1.5 million and the allowance for credit losses at $45.3 million, or 0.97% of loans. A larger construction and land development reserve in the first half reflected an updated CECL methodology with higher modeled loss expectations following the company's transition to a new ACL modeling platform in Q1 2026.
Noninterest income slipped to $7.9 million from $8.9 million, mainly because insurance commissions were zero versus $1.6 million a year ago, while noninterest expense rose modestly to $34.0 million from $32.6 million.
SEC 10-Q • 2mo ago AI analysis › Press Release ● Major
SmartFinancial Announces Results for the Second Quarter 2026, Regular Quarterly Cash Dividend
SmartFinancial reported Q2 net income of $16.3 million, or $0.96 per diluted share, up from $11.7 million, or $0.69 per share, in the prior year.
The company achieved 15% annualized organic loan growth and expanded its net interest margin to 3.52%, while total assets surpassed $6 billion during the quarter.
The board declared a regular quarterly cash dividend of $0.09 per share, payable August 17, 2026.
• 3mo ago AI analysis › Press Release
SmartFinancial Sets Dates for Second Quarter Earnings Release and Conference Call
SmartFinancial will release its second quarter 2026 financial results on Monday, July 20, 2026.
The company plans to host a conference call to discuss the results on Tuesday, July 21, 2026, at 10:00 a.m. ET.
SmartFinancial is the bank holding company for SmartBank, a full-service commercial bank operating across Tennessee, Alabama, Florida, and Georgia.
• 3mo ago AI analysis › SEC Filing
SMBK: 8-K · proxy statement
SmartFinancial, Inc. (SMBK) reported the voting results from its 2026 annual meeting of shareholders held on May 21, 2026. The company noted that 80.61% of outstanding shares were present in person or by proxy, indicating strong shareholder engagement.
Shareholders elected all ten director nominees, including CEO William Y. Carroll Jr., and ratified the appointment of Elliott Davis, PLLC as the independent auditor for the fiscal year ending December 31, 2026. The advisory vote on executive compensation also passed, with over 97% of votes cast in favor, signaling continued shareholder support for current management and compensation practices.
SEC 8-K • 5mo ago SEC Filing
SMBK: 10-Q · periodic report
SmartFinancial, Inc. reported net income of $13.7 million, or $0.81 per diluted common share, for the first quarter of 2026, compared to $11.3 million, or $0.67 per diluted common share, for the same period in 2025. The increase in net income was primarily due to higher net interest income after provision for credit losses, which rose by $4.5 million.
The company's total net loans and leases increased by $151.8 million from December 31, 2025, to $4.47 billion as of March 31, 2026. This growth was driven by increases in commercial and industrial loans, as well as consumer and other loans.
Total deposits increased by $43.4 million from December 31, 2025, to $5.20 billion as of March 31, 2026. The increase was primarily due to growth in money market deposits, which rose by $182.3 million, and other time deposits, which increased by $16.1 million.
The allowance for credit losses was $44.0 million as of March 31, 2026, up from $40.9 million as of December 31, 2025. The provision for credit losses for the three months ended March 31, 2026, was $3.2 million, compared to $843 thousand in the same period of 2025.
SEC 10-Q • 5mo ago AI analysis › Press Release
SmartFinancial Approves Regular Quarterly Cash Dividend
SmartFinancial's board declared a quarterly cash dividend of $0.09 per share, payable June 1, 2026.
This represents a 12.5% increase over the prior quarterly dividend of $0.08 per share declared in January 2026.
Shareholders of record as of the close of business on May 15, 2026, will receive the payment.
• 5mo ago AI analysis › Press Release ● Major
SmartFinancial Announces Results for the First Quarter 2026
businesswire.com • 6mo ago Press Release ● Major
SmartFinancial Sets Dates for First Quarter Earnings Release and Conference Call
businesswire.com • 6mo ago News
SmartFinancial, Inc. (NASDAQ:SMBK) Given Average Rating of “Moderate Buy” by Analysts
defenseworld.net • 7mo ago News
SmartFinancial, Inc. (NASDAQ:SMBK) Receives Consensus Recommendation of “Moderate Buy” from Analysts
defenseworld.net • 7mo ago Press Release ● Major
SmartFinancial Approves Regular Quarterly Cash Dividend and Announces Share Repurchase Program
businesswire.com • 8mo ago Recent SEC filings with analysis 
