Touchstone
Last syncNov 1, 2026, 6:55 PM ET

SMBK

Smartfinancial Inc. Financials National Commercial Banks Russell 3000
$48.47Close $825.4MMarket cap $34.41 – $53.2352-week range Jan 18, 2027Next report · estimated

Highlights

Cautions

  • Trend not confirmed 6 of 8 conditions · under the 50-day, RS under 70

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Aug 10, 2026
Off 12-month high 9%
1wk down 1.8% price change
1mo down 2.2% price change
12-month return up 39% market up 11% · its own up 30%
F-score — — Not assessed
Altman Z — Unknown
P/E 16.4× price / earnings
PEG 0.42 P/E / EPS growth
P/B 1.5× price / book
Earnings yield — EBIT / enterprise value
Cheaper than — of the market · not assessed
Revenue growth up 17% year on year
EPS growth — latest quarter
Sales growth up 14% latest quarter · -1 pts
ROE up 10% return on equity
Free cash margin —
D/E 0.01 long-term debt / equity
Net debt / EBITDA —
Interest cover —EBIT / interest
Piotroski tests

Repair signals

  • Long-term debt down 63% ($0.0B → $0.0B)

Trade setup

ATR% 2.7% $1.30 a day · 2×ATR $45.88
RS 66 / 99 vs the universe
Trend 6 / 8 under the 50-day, RS under 70
Relative volume 0.7× vs 50-day average
Up/down volume 0.83 50 sessions
Implied move — no scheduled report
Trend template · 6 of 8
  • Price above the 50-day average: fails
  • RS rank 70 or higher: fails

Screen verdict

Did not qualify for any screen.

Warning signs

none flagged
  • No restatement or impairment
  • Equity positive
  • No material dilution
  • Margins and revenue not shrinking
Last reported Oct 19, 2026
Results reaction Oct 19, 2026-2% vs market2 sessions after results

Financials

6 fiscal years · from filings
Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $200.5M +17% on FY2024
$0 $250M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $116.3M FY2021 · $137.3M FY2022 · $165.2M FY2023 · $152.4M FY2024 · $171.5M FY2025 · $200.5M
Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $50.3M +39% on FY2024
$0 $100M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $24.3M FY2021 · $34.8M FY2022 · $43.0M FY2023 · $28.6M FY2024 · $36.1M FY2025 · $50.3M
Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology
  • Net 25%
0% 50% FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Net 21% FY2021 · Net 25% FY2022 · Net 26% FY2023 · Net 19% FY2024 · Net 21% FY2025 · Net 25%
Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology
  • Cash
  • Long-term debt
$0 $2B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Cash $481.7M · Long-term debt $81.2M FY2021 · Cash $1.0B · Long-term debt $87.6M FY2022 · Cash $266.4M · Long-term debt $41.9M FY2023 · Cash $352.3M · Long-term debt $13.1M FY2024 · Cash $387.6M · Long-term debt $8.1M FY2025 · Cash $464.4M · Long-term debt $3.0M
Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology 17.03m +12.7% since FY2020
17.03m 15.11m FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · 15.11m FY2021 · 16.80m FY2022 · 16.90m FY2023 · 16.99m FY2024 · 16.93m FY2025 · 17.03m
  FY2020Dec 31, 2020 FY2021Dec 31, 2021 FY2022Dec 31, 2022 FY2023Dec 31, 2023 FY2024Dec 31, 2024 FY2025Dec 31, 2025
Revenue $116.3M $137.3M $165.2M $152.4M $171.5M $200.5M
Net income $24.3M $34.8M $43.0M $28.6M $36.1M $50.3M
Net margin 21% 25% 26% 19% 21% 25%
Earnings per share $1.62 $2.22 $2.55 $1.69 $2.14 $2.98
Cash $481.7M $1.0B $266.4M $352.3M $387.6M $464.4M
Long-term debt $81.2M $87.6M $41.9M $13.1M $8.1M $3.0M
Shareholders' equity $357.2M $429.4M $432.5M $459.9M $491.3M $552.4M
Shares outstanding 15.11m 16.80m 16.90m 16.99m 16.93m 17.03m

Filings

SEC EDGAR
FiledReportPeriod to Lag
Aug 10, 2026 Quarterly ↗ Jun 30, 2026 41d
May 11, 2026 Quarterly ↗ Mar 31, 2026 41d
Mar 16, 2026 Annual ↗ Dec 31, 2025 75d
Nov 7, 2025 Quarterly ↗ Sep 30, 2025 38d
Aug 11, 2025 Quarterly ↗ Jun 30, 2025 42d
May 12, 2025 Quarterly ↗ Mar 31, 2025 42d
Mar 17, 2025 Annual ↗ Dec 31, 2024 76d
Nov 12, 2024 Quarterly ↗ Sep 30, 2024 43d
Aug 9, 2024 Quarterly ↗ Jun 30, 2024 40d
May 9, 2024 Quarterly ↗ Mar 31, 2024 39d
Mar 15, 2024 Annual ↗ Dec 31, 2023 75d
Nov 9, 2023 Quarterly ↗ Sep 30, 2023 40d

Current reports

FiledDisclosed
Oct 30, 2026 Regulation FD ↗
Oct 19, 2026 Results · Regulation FD ↗
Jul 20, 2026 Results · Regulation FD ↗
May 22, 2026 Shareholder vote ↗
Apr 30, 2026 Regulation FD ↗
Apr 20, 2026 Results · Regulation FD ↗
Mar 31, 2026 Director or officer change · Regulation FD ↗
Jan 30, 2026 Regulation FD ↗
Jan 20, 2026 Results · Regulation FD ↗
Jan 5, 2026 Other events ↗
Nov 3, 2025 Regulation FD ↗
Oct 21, 2025 Results · Regulation FD ↗