Smartfinancial Inc. (SMBK)
Operating cash flow minus capital spending left $59.3M of free cash flow in fiscal 2025. At September 30, 2026 it held $364.9M in cash against $345K of debt. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 9, 2026.
Key facts about Smartfinancial Inc.
- Net worth
- Smartfinancial Inc. has a market value (market cap) of $827.1M at the latest share price, and shareholders' equity of $581.1M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $61.7M of cash; after $2.4M of capital spending, free cash flow was $59.3M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 9, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Smartfinancial Inc.'s next report is expected around January 19, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- Smartfinancial Inc. paid dividends of $0.32 per share in fiscal 2025, a yield of 0.66% at the current price.
What Smartfinancial Inc. does
Smartfinancial Inc. is registered with the SEC under industry code SIC 6021 (National Commercial Banks). Its shares trade on NYSE under the ticker SMBK.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | n/a | $50.3M | $2.98 | $59.3M |
| 2024 | n/a | $36.1M | $2.14 | $46.3M |
| 2023 | n/a | $28.6M | $1.69 | $33.4M |
| 2022 | n/a | $43M | $2.55 | $44.3M |
| 2021 | n/a | $34.8M | $2.22 | $43.8M |
| 2020 | n/a | $24.3M | $1.62 | $23.6M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Dividends
Smartfinancial Inc. paid $0.32 per share in fiscal 2025. At the current price that is a yield of 0.66%. It paid out $5.5M in cash dividends, 11% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $0.32 | $5.5M | 11% |
| 2024 | $0.32 | $5.4M | 15% |
| 2023 | $0.32 | $5.4M | 19% |
| 2022 | $0.28 | $4.7M | 11% |
| 2021 | $0.24 | $3.7M | 11% |
| 2020 | $0.20 | $3M | 12% |
Latest SEC filings
What Smartfinancial Inc. has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 9, 2026
- October 30, 2026
- October 19, 2026
- August 10, 2026
- July 20, 2026
- May 22, 2026
- May 11, 2026
- May 1, 2026
- April 30, 2026
- April 27, 2026Passive stake changed SCHEDULE 13G/A
Insider trades
What the people running Smartfinancial Inc. did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders sold $371.3K worth of shares in the last 90 days and bought none on the open market.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| November 4, 2026 | Tucker Steven B.Director | Sold | 3,550 | $176.2K |
| October 26, 2026 | Jordan Rhett D.EVP & CHIEF CREDIT OFFICER | Sold | 200 | $10K |
| October 23, 2026 | Tucker Steven B.Director | Sold | 3,500 | $173.3K |
| September 14, 2026 | Jordan Rhett D.EVP & CHIEF CREDIT OFFICER | Sold | 230 | $12K |
| August 4, 2026 | Jordan Rhett D.EVP & CHIEF CREDIT OFFICER | Sold | 430 | $22.7K |
| June 12, 2026 | Jordan Rhett D.EVP & CHIEF CREDIT OFFICER | Sold | 400 | $18K |
| June 10, 2026 | Barrett Victor LynnDirector | Bought | 3,000 | $131.3K |
| June 4, 2026 | Ackermann Cathy GDirector | Bought | 3,000 | $126.4K |
Who owns SMBK
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
Largest institutional holders
Insiders
15 insiders reported holding 940,174 shares in total, about $45.5M at the last price.
| Holder | Shares |
|---|---|
| Ogle David AustinDirector | 197,451 |
| Barrett Victor LynnDirector | 151,724 |
| Wolpert Geoffrey AlanDirector | 134,43534,059 held indirectly |
| Carroll William Young Jr.PRESIDENT AND CEO, Director | 133,094 |
| Welborn Wesley MillerCHAIRMAN OF THE BOARD, Director | 100,010 |
| Whaley Keith EdwardDirector | 87,369 |
| Tucker Steven B.Director | 43,672 |
| Gorczynski Ronald JEVP & CHIEF FINANCIAL OFFICER | 24,729 |
| Ackermann Cathy GDirector | 19,831 |
| Boyd Rebecca CCPO - CHIEF PEOPLE OFFICER | 12,342 |
Questions about SMBK
What does Smartfinancial Inc. do?
Smartfinancial Inc. is a company in the Finance sector, listed on NYSE as SMBK. Its shares trade on NYSE under the ticker SMBK.
What is Smartfinancial Inc.'s net worth?
Smartfinancial Inc. has a market value (market cap) of $827.1M at the latest share price, and shareholders' equity of $581.1M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Smartfinancial Inc. profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $62.3M.
When did Smartfinancial Inc. last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 9, 2026. It covers the period to September 30, 2026.
When is Smartfinancial Inc.'s next earnings report?
Smartfinancial Inc.'s next report is expected around January 19, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does Smartfinancial Inc. pay a dividend?
Yes. Smartfinancial Inc. paid dividends of $0.32 per share in fiscal 2025, a yield of 0.66% at the current price.
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Where the numbers come from
Financial figures are the values Smartfinancial Inc. tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.