SmartFinancial, Inc. (SMBK)

SmartFinancial, Inc. reported its third-quarter and fourth-quarter 2025 earnings, with net income of $13.7 million, or $0.81 per diluted common share, for both quarters. The company approved a regular quarterly cash dividend and announced a share repurchase program. The stock price has increased by 43.65% over the last 12 months, with a year-to-date return of 7.25% as of April 2, 2026. Analysts have given SMBK an average rating of "Moderate Buy" with an average one-year price target of $40.50 as of March 26, 2026.

SmartFinancial, Inc. experiences seasonality in its operations, with "inflow seasonality" impacting noninterest-bearing deposits and "seasonality of our associate merit increases" affecting salary and benefit expenses.

SmartFinancial, Inc. operates as a bank holding company for SmartBank, offering banking and financial services to individuals and corporate customers. The company attracts deposits and invests these funds, along with capital from operations and loan payments. SmartFinancial offers various loans, deposit products, wealth management, insurance, mortgage origination, and internet and mobile banking services. Through Fountain Equipment Finance, it also provides equipment leasing to small and mid-sized businesses.

SmartFinancial, Inc. primarily operates across the southeastern United States with 42 branches in Tennessee, Alabama, and Florida. The company's headquarters are in Knoxville, Tennessee.

SmartFinancial, Inc. has a positive internal reputation, having been recertified as a "Great Place to Work" in Q2 2025. However, "SmartFinancial.com," an insurance lead generation company, has faced negative customer reviews and complaints, which are not directly related to the banking operations of SmartFinancial, Inc.

SmartFinancial, Inc.'s ownership is predominantly held by institutional investors, including BlackRock, Inc. and Vanguard Group Inc. Individual insiders own approximately 11.9% of the company's stock, while the general public holds about 24.7%. Recent insider trading activity includes purchases by Chairman Wesley Miller Welborn and sales by Steven Tucker and Rhett Jordan.