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SMBK
SmartFinancial Inc.
as of 03-18-2026 2:39pm EST
$37.66
$0.77
-2.00%
SmartFinancial Inc operates as a bank holding company for SmartBank. It offers various banking and financial services to individuals and corporate customers. The principal business of the Bank consists of attracting deposits from the general public and investing those funds, together with funds generated from operations and from principal and interest payments on loans, mainly in commercial loans, commercial and residential real estate loans, consumer loans, and residential and commercial construction loans. The primary source of revenue is interest income from earning assets, namely loans and securities.
| Founded: | N/A | Country: | United States |
| Employees: | N/A | City: | KNOXVILLE |
| Market Cap: | 706.2M | IPO Year: | 2000 |
| Target Price: | $38.63 | AVG Volume (30 days): | 48.2K |
| Analyst Decision: | Buy | Number of Analysts: | 4 |
| Dividend Yield: | Dividend Payout Frequency: | quarterly | |
| EPS: | 2.98 | EPS Growth: | 39.25 |
| 52 Week Low/High: | $26.31 - $43.91 | Next Earning Date: | 04-20-2026 |
| Revenue: | N/A | Revenue Growth: | N/A |
| Revenue Growth (this year): | 17.59% | Revenue Growth (next year): | 10.30% |
| P/E Ratio: | 12.61 | Index: | N/A |
| Free Cash Flow: | 59.3M | FCF Growth: | N/A |
AI-Powered SMBK Daily Prediction
Machine learning model trained on 25+ technical indicators
Updated a day ago
AI Recommendation
hold
Model Accuracy: 76.10%
76.10%
Confidence
Disclaimer: This prediction is generated by an AI model and should not be considered as financial advice. Always conduct your own research and consult with financial professionals before making investment decisions.
Stock Insider Trading Activity of SmartFinancial Inc. (SMBK)
Welborn Wesley Miller
Buy
CHAIRMAN OF THE BOARD
SMBK Feb 9, 2026
Avg Cost/Share
$43.13
Shares
835
Total Value
$36,013.55
Owned After
96,468
SEC Form 4
Shomaker Kelli D
Buy
Director
SMBK Jan 27, 2026
Avg Cost/Share
$39.38
Shares
255
Total Value
$10,041.90
Owned After
1,022
SEC Form 4
| Insider | Ticker | Relationship | Date | Transaction | Avg Cost | Shares | Total Value | Owned After | SEC Forms |
|---|---|---|---|---|---|---|---|---|---|
| Welborn Wesley Miller | SMBK | CHAIRMAN OF THE BOARD | Feb 9, 2026 | Buy | $43.13 | 835 | $36,013.55 | 96,468 | |
| Shomaker Kelli D | SMBK | Director | Jan 27, 2026 | Buy | $39.38 | 255 | $10,041.90 | 1,022 |
Earnings Transcripts
SEC 8-K filings with transcript text
2025 Q4 Q4 2025 Earnings
8-K BUY Jan 20, 2026 · 100% conf.
2025
Q4
Q4 2025 Earnings
8-K BUYJan 20, 2026 · 100% conf.
AI Prediction BUY
1D
+2.64%
$40.03
Act: +3.56%
5D
+4.51%
$40.76
Act: +1.15%
20D
+6.73%
$41.63
Act: +5.85%
Price: $39.00 Prob +5D: 100% AUC: 1.000
0001104659-26-005116
SMARTFINANCIAL, INC._January 20, 2026 0001038773false00010387732026-01-202026-01-20
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of earliest event reported: January 20, 2026
SMARTFINANCIAL, INC.
(Exact name of registrant as specified in its charter) Tennessee 001-37661 62-1173944
(State or other jurisdiction of incorporation)
(Commission File Number)
(IRS Employer Identification No.)
5401 Kingston Pike, Suite 600
Knoxville, Tennessee
37919
(Address of Principal Executive Offices)
(Zip Code)
(865) 437-5700
(Registrant’s telephone number, including area code)
(Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Securities registered pursuant to Section 12(b) of the Act: Title of each class Trading Symbol(s) Name of Exchange on which Registered
Common Stock, par value $1.00 per share
SMBK
New York Stock Exchange
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02 Results of Operations and Financial Condition.
On January 20, 2026, SmartFinancial, Inc. (“SmartFinancial”) issued a press release (the “Press Release”) reporting earnings results for its fourth quarter ending December 31, 2025. A copy of the Press Release is attached hereto as Exhibit 99.1. In accordance with General Instructions B.2 of Form 8K, the information in Item 2.02 of this report (including Exhibit 99.1) shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing. Item 7.01 Regulation FD Disclosure.
SmartFinancial is filing an investor slide presentation that it intends to review in conjunction with its earnings release conference call on January 21, 2025. The slides are attached hereto as Exhibit 99.2. In accordance with General Instructions B.2 of Form 8K, the information in Item 7.01 of this report (including Exhibit 99.2) shall not be deemed to be “filed” for purposes of Section 18 of the Exchange Act, or otherwise subject to the liabilities of that section, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing. Item 9.01 Financial Statements and Exhibits
Exhibit No. Description
99.1 Press release announcing fourth quarter 2025 financial results dated January 20, 2026
99.2 Fourth quarter 2025 investor presentation
104 Cover Page Interactive Data File (embedded within the Inline XBRL document)
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
SMARTFINANCIAL, INC.
Date: January 20, 2026
/s/ William Y. Carroll, Jr.
William Y. Carroll, Jr.
President & Chief Executive Officer
2025 Q3 Q3 2025 Earnings
8-K Oct 21, 2025
2025
Q3
Q3 2025 Earnings
8-KOct 21, 2025
0001104659-25-101293
SMARTFINANCIAL, INC._October 21, 2025 0001038773false00010387732025-10-212025-10-21
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of earliest event reported: October 21, 2025
SMARTFINANCIAL, INC.
(Exact name of registrant as specified in its charter) Tennessee
001-37661
62-1173944
(State or other jurisdiction of incorporation)
(Commission File Number)
(IRS Employer Identification No.)
5401 Kingston Pike, Suite 600
Knoxville, Tennessee
37919
(Address of Principal Executive Offices)
(Zip Code)
(865) 437-5700
(Registrant’s telephone number, including area code)
(Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Securities registered pursuant to Section 12(b) of the Act: Title of each class
Trading Symbol(s)
Name of Exchange on which Registered
Common Stock, par value $1.00 per share
SMBK
New York Stock Exchange
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02
Results of Operations and Financial Condition.
On October 21, 2025, SmartFinancial, Inc. (“SmartFinancial”) issued a press release (the “Press Release”) reporting earnings results for its third quarter ending September 30, 2025. A copy of the Press Release is attached hereto as Exhibit 99.1. In accordance with General Instructions B.2 of Form 8K, the information in Item 2.02 of this report (including Exhibit 99.1) shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing. Item 7.01
Regulation FD Disclosure.
SmartFinancial is filing an investor slide presentation that it intends to review in conjunction with its earnings release conference call on October 22, 2025. The slides are attached hereto as Exhibit 99.2. In accordance with General Instructions B.2 of Form 8K, the information in Item 7.01 of this report (including Exhibit 99.2) shall not be deemed to be “filed” for purposes of Section 18 of the Exchange Act, or otherwise subject to the liabilities of that section, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing. Item 9.01 Financial Statements and Exhibits
Exhibit No.
Description
99.1 Press release announcing third quarter 2025 financial results dated October 21, 2025
99.2 Third quarter 2025 investor presentation
104 Cover Page Interactive Data File (embedded within the Inline XBRL document)
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
SMARTFINANCIAL, INC.
Date: October 21, 2025
/s/ William Y. Carroll, Jr.
William Y. Carroll, Jr.
President & Chief Executive Officer
2025 Q2 Q2 2025 Earnings
8-K Jul 21, 2025
2025
Q2
Q2 2025 Earnings
8-KJul 21, 2025
0001558370-25-009328
0001038773false00010387732025-07-212025-07-21
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of earliest event reported: July 21, 2025
SMARTFINANCIAL, INC.
(Exact name of registrant as specified in its charter) Tennessee
001-37661
62-1173944
(State or other jurisdiction of incorporation)
(Commission File Number)
(IRS Employer Identification No.)
5401 Kingston Pike, Suite 600
Knoxville, Tennessee
37919
(Address of Principal Executive Offices)
(Zip Code)
(865) 437-5700
(Registrant’s telephone number, including area code)
(Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) Securities registered pursuant to Section 12(b) of the Act: Title of each class
Trading Symbol(s)
Name of Exchange on which Registered
Common Stock, par value $1.00 per share
SMBK
New York Stock Exchange
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter). Emerging growth company ☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 2.02
Results of Operations and Financial Condition.
On July 21, 2025, SmartFinancial, Inc. (“SmartFinancial”) issued a press release (the “Press Release”) reporting earnings results for its second quarter ending June 30, 2025. A copy of the Press Release is attached hereto as Exhibit 99.1. In accordance with General Instructions B.2 of Form 8K, the information in Item 2.02 of this report (including Exhibit 99.1) shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing. Item 7.01
Regulation FD Disclosure.
SmartFinancial is filing an investor slide presentation that it intends to review in conjunction with its earnings release conference call on July 22, 2025. The slides are attached hereto as Exhibit 99.2. In accordance with General Instructions B.2 of Form 8K, the information in Item 7.01 of this report (including Exhibit 99.2) shall not be deemed to be “filed” for purposes of Section 18 of the Exchange Act, or otherwise subject to the liabilities of that section, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing. Item 9.01 Financial Statements and Exhibits
Exhibit No.
Description
99.1 Press release announcing second quarter 2025 financial results dated July 21, 2025
99.2 Second quarter 2025 investor presentation
104 Cover Page Interactive Data File (embedded within the Inline XBRL document)
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
SMARTFINANCIAL, INC.
Date: July 21, 2025
/s/ William Y. Carroll, Jr.
William Y. Carroll, Jr.
President & Chief Executive Officer
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The information presented on this page, "SMBK SmartFinancial Inc. - Stocks Price | History | Analysis", including historical data, forecasts, news, insider information, and predictions, is provided for educational purposes only. It should not be considered as financial advice or a recommendation to buy or sell any securities. Decisions regarding investments should be made only after careful consideration and consultation with a qualified financial advisor. We do not endorse or guarantee the accuracy or reliability of the information provided, and we disclaim any liability for financial losses incurred as a result of decisions made based on the information presented.