Smartfinancial Inc. made a public disclosure
SEC 8-KRead source ↗
Smartfinancial Inc. is a US-listed company in the regional banks industry. Its financial year ends in December.
Stock price today
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Third-party market data · may be delayed
Model estimate per share
~$40
Forward price-to-earnings vs peers
Base case. Range ~$38–$48. Next year's consensus earnings per share times peers' typical (harmonic-mean) forward price-to-earnings.
Price vs value
No Buy/Hold/Sell rating is issued: limited reported history: available models are shown without a Buy/Hold/Sell rating.
Smartfinancial Inc. valuation: adjust assumptions and compare models →
Who’s trading
What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.
- Insiders4 buying, 2 selling5 purchases and 8 sales by directors and officers, last 12 monthsInsider trades
- Funds111 adding, 54 cuttingOf 36 active managers that changed their stake, 23 added; quarter to June 30, 2026Fund buyers and sellers
The Fundamentalytics view
Current signal Results well ahead of expectations: Reported earnings per share beat the analysts' consensus estimate by 15% in the quarter to 2026-09-30, the 4th beat in the last four quarters.
Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.
Highlights
How we pick theseStrengths
- Beating expectations. Earnings per share beat the analysts' consensus estimate in each of the last four quarters.
Things to watch
No figure in Smartfinancial Inc.'s latest results trips our warning thresholds.
Latest results
- Earnings per share
- $1.10 against an average estimate of $0.96: beat by 14.6%
- Share reaction
- -1.4% in the first session after the results on October 19, 2026, against +0.8% for the S&P 500
- Next report
- January 19, 2027; average EPS estimate $0.99
Price chart
- 1 day-1.2%
- 1 week-0.1%
- 1 month-4.4%
- This year+34.1%
- 1 year+39.9%
- 5 years+96.5%
- S&P 500 this year+11.2%
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Third-party market data · may be delayed
At a glance
Earnings
- Last results
- October 19, 2026
- Next results (est.)
- January 19, 2027
News & updates
Company announcements, filed results and changes that matter to shareholders.
- Announcement
- Results
Smartfinancial Inc. reported results; made a public disclosure
SEC 8-KRead source ↗ - Results
Smartfinancial Inc. reported results; made a public disclosure
SEC 8-KRead source ↗
Valuation models
We value Smartfinancial Inc. as a bank or lender, with every model that fits that kind of business. Cost of equity 8.7%: the 10-year Treasury yield (4.9%) plus a beta of 0.83 times a 4.5% equity risk premium.
| Model | Value per share | In the combined value? |
|---|---|---|
| Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. | — | Does not apply: no twelve-month earnings or share count in the filings yet |
| Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. | — | Does not apply: no twelve-month earnings or share count in the filings yet |
| Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. | — | Does not apply: no twelve-month earnings or share count in the filings yet |
| Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. | — | Does not apply: no twelve-month earnings or share count in the filings yet |
| Forward price-to-earnings vs peers Next year's consensus earnings per share times peers' typical (harmonic-mean) forward price-to-earnings. Uses analysts' consensus estimates (third-party data), not our forecasts. | ~$40 ~$38–$48 | Included |
| Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. | — | Does not apply: no twelve-month earnings or share count in the filings yet |
| Combined value Weighted average of the models that apply: the primary model (residual income) counts double. Models more than 5x or less than 0.2x the share price, or more than 3x away from the other models' median, are left out. | ~$40 ~$38–$48 | 1 model |
Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Smartfinancial Inc. with banks and lenders in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.
Moat
Not assessed: fewer than five years of comparable figures in the filings. AI disruption exposure for this industry: Medium.
Forecasts and guidance
Next results: January 19, 2027, after the close. Analysts expect revenue of $59m and EPS of $0.99 (range $0.93 to $1.00) for the quarter.
Analysts' consensus
| Fiscal year | EPS | Growth | Revenue | Growth |
|---|---|---|---|---|
| Current | $3.81 | +26% | $227m | +12% |
| Next | $4.15 | +9% | $246m | +9% |
Next year's EPS estimate has moved −1.0% in 90 days, across 6 analysts.
How the EPS forecast has moved
The consensus EPS forecast for the current fiscal year is +1.9% on 90 days ago. In the last 30 days, 1 analyst raised Smartfinancial Inc.'s forecast and 1 cut it.
Average of analysts' published estimates (third-party data).
View chart data
| Period | Current fiscal year | Next fiscal year |
|---|---|---|
| 90 days ago | $3.74 | $4.19 |
| 60 days ago | $3.74 | $4.19 |
| 30 days ago | $3.74 | $4.19 |
| 7 days ago | $3.74 | $4.18 |
| Now | $3.81 | $4.15 |
Earnings against estimates
| Quarter to | Estimate | Actual | Surprise |
|---|---|---|---|
| Sept 2026 | $0.96 | $1.10 | +14.6% |
| Jun 2026 | $0.90 | $0.96 | +6.5% |
| Mar 2026 | $0.78 | $0.81 | +3.9% |
| Dec 2025 | $0.78 | $0.81 | +3.4% |
Adjusted EPS as companies report it, against the average analyst estimate.
Positioning
- Short interest
- 4.0% of tradable shares
- Days to cover
- 5.18 at average volume
- Short interest, 1 month
- +29% to October 15, 2026
- Held by institutions
- 66% of shares
- Held by insiders
- 11.1% of shares
- Employees
- 581 full time
Share-price performance
Market data may be delayedReturn and risk by year
| Calendar year | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 to date |
|---|---|---|---|---|---|---|
| Return | ||||||
| SMBK | +52% | +2% | −10% | +28% | +21% | +34% |
| Industry peers (median) | +34% | −4% | −2% | +16% | +10% | +24% |
| S&P 500 | +29% | −18% | +26% | +25% | +18% | +11% |
| Months that ended higher | ||||||
| SMBK | 83% | 33% | 42% | 50% | 58% | 46% |
| S&P 500 | 75% | 42% | 67% | 75% | 75% | 46% |
| Largest fall from a high during the year | ||||||
| SMBK | −11% | −18% | −29% | −23% | −26% | −13% |
| S&P 500 | −5% | −25% | −10% | −8% | −19% | −9% |
Worst fall since November 2, 2015: 56% from July 9, 2018 to March 20, 2020. Getting back needed a 129% gain, reached on November 5, 2021, 595 days after the low.
Price behaviour
- 52-week range
- $34.41 – $53.23
- From 52-week high
- −7.3%
- vs 50-day average
- −2.2%
- vs 200-day average
- +9.3%
- Volatility (1 year)
- 24%
- Beta vs S&P 500
- 0.37
Share price after results
- Next day
- 8 up, 4 down typical move ±3.2%
- After a week
- 9 up, 3 down typical move ±4.4%
- After a month
- 7 up, 4 down typical move ±7.7%
| Results released | Next day | S&P 500 next day | 5 days | 21 days |
|---|---|---|---|---|
| October 19, 2026 | −1.4% | +0.8% | −2.4% | — |
| July 20, 2026 | +0.9% | +0.7% | +6.5% | +8.0% |
| April 20, 2026 | −3.6% | −0.9% | −0.5% | −4.1% |
| January 20, 2026 | +2.5% | −0.9% | +0.1% | +5.2% |
| October 21, 2025 | +3.3% | −0.5% | +0.7% | −1.1% |
| July 21, 2025 | −2.3% | +0.2% | −2.6% | −2.8% |
| April 21, 2025 | +4.7% | +0.2% | +4.3% | +11.8% |
| January 21, 2025 | +10.1% | +1.5% | +13.0% | +12.8% |
| October 21, 2024 | −0.1% | −0.2% | +6.3% | +15.3% |
| July 22, 2024 | +5.0% | +0.9% | +4.2% | +2.9% |
| April 22, 2024 | +1.6% | +2.1% | +3.5% | +17.0% |
| January 22, 2024 | +2.4% | +0.5% | +8.1% | −3.6% |
Fundamentals
Who owns it
Funds buying and selling- Reported value
- $535M
- Institutions reporting
- 183
- Shares held vs prior quarter
- ▲ 5.6%
- Positions opened / closed
- 25 / 14
| Manager | Value | Shares | Share of 13F value | Shares QoQ |
|---|---|---|---|---|
| Blackrock, Inc. | $68.9M | 1.5M | 12.9% | ▲ 14.3% |
| Dimensional Fund Advisors LP | $39.2M | 836K | 7.3% | 0.0% |
| Vanguard Capital Management LLC | $31.9M | 680K | 6.0% | ▼ 0.1% |
| First Eagle Investment Management, LLC | $30M | 639K | 5.6% | ▲ 185.1% |
| Wellington Management Group LLP | $27.9M | 594K | 5.2% | ▼ 12.0% |
| State Street Corp | $21.4M | 457K | 4.0% | ▲ 3.8% |
| American Century Companies Inc | $21.1M | 449K | 3.9% | ▲ 20.7% |
| Private Capital Management, LLC | $20.3M | 433K | 3.8% | ▲ 1.0% |
| Geode Capital Management, LLC | $17.9M | 381K | 3.3% | ▲ 7.3% |
| Acadian Asset Management LLC | $16.3M | 346K | 3.0% | ▲ 21.9% |
| Cravens & Co Advisors, LLC | $10.3M | 220K | 1.9% | 0.0% |
| Salzhauer Michael | $9.9M | 211K | 1.9% | ▼ 0.8% |
From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Smartfinancial Inc.'s complete shareholder register. Values are as reported by the filers .
Insider trading activity
Full insider history and chart Insider purchases History → $315,732 5 trades by 4 insiders, last 12 months Insider sales History → $669,395 8 trades by 2 insiders · 0% under pre-set plans
Net ▼ $353,663 net selling
| Insider | Date | Trade | Shares | Price | Value |
|---|---|---|---|---|---|
| Jordan Rhett D. EVP & CHIEF CREDIT OFFICER | October 26, 2026 | Sell | 200 | $49.80 | $9,960 |
| Tucker Steven B. Director | October 23, 2026 | Sell | 3,500 | $49.50 | $173,250 |
| Jordan Rhett D. EVP & CHIEF CREDIT OFFICER | September 14, 2026 | Sell | 230 | $52.05 | $11,972 |
| Jordan Rhett D. EVP & CHIEF CREDIT OFFICER | August 4, 2026 | Sell | 430 | $52.75 | $22,682 |
| Jordan Rhett D. EVP & CHIEF CREDIT OFFICER | June 12, 2026 | Sell | 400 | $45.00 | $18,000 |
| Barrett Victor Lynn Director | June 10, 2026 | Buy | 3,000 | $43.78 | $131,340 |
| Ackermann Cathy G Director | June 4, 2026 | Buy | 3,000 | $42.12 | $126,360 |
| Shomaker Kelli D Director | May 4, 2026 | Buy | 290 | $41.30 | $11,977 |
| Jordan Rhett D. EVP & CHIEF CREDIT OFFICER | April 24, 2026 | Sell | 500 | $41.85 | $20,925 |
| Welborn Wesley Miller CHAIRMAN OF THE BOARD | February 9, 2026 | Buy | 835 | $43.13 | $36,014 |
| Shomaker Kelli D Director | January 27, 2026 | Buy | 255 | $39.38 | $10,042 |
| Tucker Steven B. Director | December 10, 2025 | Sell | 10,625 | $38.01 | $403,856 |
From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.
Earnings dates and SEC filings
Results announcements
Next expected around January 19, 2027 estimated from the company's past filing pattern, not announced
- October 19, 2026
- July 20, 2026
- April 20, 2026
- January 20, 2026
- October 21, 2025
- July 21, 2025
Recent SEC filings
- 8-K Current report
- 8-K Current report
- 10-Q Quarterly report
- 8-K Current report
- 8-K Current report
- 10-Q Quarterly report
- S-3 S-3
- 8-K Current report
Data status
| Data | Last updated | Source |
|---|---|---|
| Share price | Exchange closing prices | |
| News and updates | Company releases and SEC 8-K filings | |
| Analyst estimates | Aggregated analyst estimates | |
| Valuation and scores | Our models, from the filed figures |
Smartfinancial Inc. in brief
- What does Smartfinancial Inc. do?
- Smartfinancial Inc. is a US-listed company in the regional banks industry. Its financial year ends in December.
- What is Smartfinancial Inc.'s stock ticker?
- Smartfinancial Inc. trades under the ticker SMBK on NYSE. This page brings together its financial statements, valuation models, ownership and recent company updates.
- Who are Smartfinancial Inc.'s largest institutional shareholders?
- By value reported in 13F filings for June 30, 2026, the largest reported holders are Blackrock, Inc., Dimensional Fund Advisors LP and Vanguard Capital Management LLC. 13F reports cover long US-listed positions of managers above $100M, filed up to 45 days after quarter end.
- Are insiders buying or selling Smartfinancial Inc. stock?
- Over the last 12 months, Smartfinancial Inc.'s directors and officers reported 5 open-market purchases and 8 sales on Form 4. The insider trading page charts every trade.
- When is Smartfinancial Inc.'s next earnings date?
- Around January 19, 2027, estimated from the spacing of its past results announcements (8-K filings). That is an estimate, not a confirmed date — Smartfinancial Inc. announces its own schedule.
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