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Employees: 589
Size SmartFinancial (SMBK) is a United States Financials company (Regional Banks) with a market value of $816M, the 2382nd largest of 3,117 United States companies the cockpit tracks. Shares closed at $47.73 on 6 Nov 2026.
Performance Over six months the shares gained 12.9%, against +5.2% for the median peer and -1.1% for the United States market (cap-weighted) — 6th highest of 20 in its peer set.
Growth Revenue grew 9.9% over the last twelve months (peer median +5.9%); the operating margin is 34.0% (peer median 36.7%).
Valuation It trades at 1.40× book value against a peer median of 1.19× (7th most expensive of 21).
Price implies The share price implies a return on equity of about 10.8%; SmartFinancial delivers 11.1%, so the price asks less than the business earns today.
Short interest Short interest is 3.8% of the free float (15 Oct 2026).
Next results Next results expected around 25 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $341M | $314M | $283M | $239M | $184M |
| Revenue growth | — | +11% | +19% | +30% | — |
| Net income | $62.3M | $50.3M | $36.1M | $28.6M | $43.0M |
| Free cash flow | n/a | $59.3M | $46.3M | $35.1M | $39.4M |
| Capital expenditure | n/a | $2.39M | $36.4M | $6.27M | $12.5M |
| Total debt | $99.2M | $113M | $60.3M | $65.5M | $93.3M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | SMBK | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -4.7% | +1.2% | 6th lowest of 21 |
| 6-month return | +12.9% | +5.2% | 6th highest of 20 |
| Return on equity | 11.1% | 10.2% | 10th highest of 20 |
| Price / book | 1.40× | 1.19× | 7th most expensive of 21 |
| Trailing P/E | 13.0× | 11.2× | 7th most expensive of 19 |
| ROE the price implies | 10.8% | 8.4% | 3rd most demanding of 19 |
| ROE delivered | 11.1% | 10.2% | 10th highest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| SmartFinancial SMBK | United States | $816M | +13% | +10% | 11% | 1.40× | 10.8% | 11.1% |
| Peapack-Gladstone Financial PGC | United States | $814M | +7% | +11% | 9% | 1.10× | 9.1% | 8.9% |
| Independent Bank IBCP | United States | $802M | +5% | +3% | 14% | 1.39× | 10.6% | 13.5% |
| River City Bank RCBC | United States | $832M | n/a | +1% | 16% | 1.38× | 7.6% | 15.9% |
| South Plains Financial SPFI | United States | $800M | +4% | +10% | 13% | 1.28× | 8.4% | 12.6% |
| Thurgauer Kantonalbank TKBP.SW | Switzerland | $838M | -6% | -11% | 6% | 0.23× | n/a | 5.6% |
| Close Brothers CBG.L | United Kingdom | $791M | -10% | -12% | -6% | 0.40× | 8.8% | -5.9% |
| Luzhou Bank 1983.HK | Hong Kong | $790M | -5% | +6% | 14% | 0.45× | 4.0% | 14.0% |
| Hong Leong Finance S41.SI | Singapore | $846M | -5% | -27% | 3% | 0.51× | 2.5% | 3.1% |
| AGI AGBK | United States | $777M | -31% | n/a | n/a | 0.84× | 11.3% | n/a |
| Bank of Iwate 8345.T | Japan | $857M | -6% | +24% | 5% | 0.64× | 5.7% | 5.2% |
| Shikoku Bank 8387.T | Japan | $857M | +26% | +36% | 10% | 0.68× | 5.4% | 9.6% |
| Financial Institutions FISI | United States | $776M | +12% | +42% | 30% | 1.29× | n/a | 30.0% |
| First Community Bankshares FCBC | United States | $860M | +4% | +9% | 12% | 1.58× | 9.9% | 11.8% |
| Capital City Bank CCBG | United States | $861M | +7% | 0% | 11% | 1.50× | 8.4% | 11.3% |
| Orrstown Financial Services ORRF | United States | $862M | +18% | +1% | 15% | 1.42× | 10.5% | 14.8% |
| Okinawa Financial 7350.T | Japan | $865M | +14% | +21% | 8% | 0.83× | 6.3% | 7.7% |
| Great Southern Bancorp GSBC | United States | $868M | +16% | -10% | 10% | 1.42× | 9.3% | 10.2% |
| Mid Penn Bancorp MPB | United States | $873M | +5% | +18% | 8% | 0.97× | 7.2% | 8.4% |
| SpareBank 1 Ringerike Hadeland RING.OL | Norway | $752M | +2% | -4% | 13% | 1.40× | 6.9% | 13.0% |
| VersaBank VBNK.TO | Canada | $752M | +27% | +14% | 6% | 1.86× | 13.6% | 6.2% |