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SMBK SMARTFINANCIAL INC.

Trailing twelve months to 2026-06-30 · as filed 2026-08-10, not restated
Financials

Scale

Market cap
$858m
Revenue TTM
$214m
Net income TTM
$57m
Free cash flow
$65m
Composite score
36.6
Sector rank
#2113

Valuation

P / E
14.9
EV / EBITDA
EV / sales
2.2
FCF yield
7.62%
Earnings yield vs 10-yr
1.96pp

Earnings yield vs 10-yr compares what the business earns per pound invested against the 4.73% a 10-year US Treasury note pays for no equity risk. Negative means you are paying up front for growth not yet delivered.

Quality and growth

Net margin
26.8%
EBITDA margin
ROE
9.9%
ROIC
Revenue growth
14.5%

Insider activity, last 90 days

Net open-market
$0.22m
Buyers
2
Sellers
1

Open-market purchases and sales only. Grants, option exercises, gifts and shares withheld for tax are excluded: they are how people are paid, not what they think.

What management said

For the three months ended June 30, 2026, when compared to the comparable period in 2025, the increase in net income of $4.6 million was due to an increase in net interest income after provision for loan and lease losses of $8.7 million, offset by a decrease in noninterest income of $1.0 million, an increase in noninterest expense of $1.4 million and an increase in income tax expense of $1.7 million. First six months of 2026 compared to 2025 Net income totaled $30.0 million, or $1.77 per diluted common share, for the six months ended June 30, 2026, compared to $23.0 million, or $1.36 per diluted common share, for the six months ended June 30, 2025. …SMARTFINANCIAL INC., 10-Q, period ended 2026-06-30, filed 2026-08-10

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