SmartFinancial, Inc. (SMBK)

Over the past six months, SmartFinancial's stock price has increased from $31.36 to $39.60, representing a 26.28% increase. The company announced its Q3 and Q2 2025 earnings on October 21, 2025, and July 21, 2025, respectively, and declared a quarterly dividend of $0.08 per share. Analyst ratings for SMBK generally indicate a "Hold" consensus, with some "Strong Buy" recommendations, and several brokerages adjusted their price targets for SmartFinancial. Insider trading activity includes Director Steven B. Tucker selling 10,625 shares and Chairman Wesley Welborn buying 1,162 shares.

SmartFinancial's products and services experience some demand seasonality, with the second quarter typically seeing seasonal deposit outflows. The quarter following these outflows often experiences a seasonal client liquidity build, leading to strong new deposit production. The company's loan growth mix remains balanced across sectors.

SmartFinancial, Inc. operates in the Financial Services sector, specifically in the Banks - Regional industry, providing banking and financial services to individuals, small and middle-market businesses, and public entities. The company offers a range of deposit products and lending solutions, including commercial and residential real estate loans, consumer real estate loans, construction and land development loans, commercial and financial loans and leases, commercial business and mortgage loans, direct consumer installment, educational, agriculture, and other revolving credit loans, and equipment financing. Additionally, SmartFinancial offers wealth management, insurance products, mortgage origination, treasury and cash management services, merchant processing, and internet and mobile banking services.

SmartFinancial's geographic focus is concentrated in the Southeastern United States, operating 42 branches across Tennessee, Alabama, and Florida through SmartBank. The company's strategy emphasizes deepening its penetration within these existing attractive markets.

SmartFinancial emphasizes community engagement and philanthropic initiatives, supporting affordable housing, small-business growth, and education programs. The company's mission is to be a trusted financial partner, offering innovative solutions and personalized service, focusing on a high-touch, relationship-driven approach with its clients. Analyst ratings generally reflect a neutral to positive sentiment.

SmartFinancial, Inc. has a mixed ownership structure, with institutional investors holding approximately 58.4% to 59.77% of the stock. Individual insiders own between 7.59% and 15.3% of the company's stock, and the general public holds approximately 26.3% to 49.70% of the shares. Marsha Yessick is noted as the largest individual SmartFinancial shareholder, owning 269,200 shares, representing 1.58% of the company.