SMBK
SmartFinancial, Inc.
NYSEUSDEQUITY
Financial Services
DELAYED
Buy
+42/100
Last price
51.25
▲ 0.66 (1.30%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
50.78
Prev close
50.59
Day high
51.47
Day low
50.68
Volume
111.24K
Market cap
$876.30M
P/E (TTM)
15.12
52W range
33.01 – 54.14
Day trading desk
Gap from prior close
+0.38%
Prior close 50.59
VWAP
51.26
-0.01% from price
Relative volume
1.84×
Unusually busy
Session range
1.88%
50.52 – 51.47
Position in range
77%
Near session high
ATR (14D)
1.06
2.07% of price
Prior day high
51.16
PDH
Prior day low
50.49
PDL
Bid / ask spread
—
Quote not published
Session volume
225.14K
Avg 122.08K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+3.45%
+1.5%
1M
-1.20%
-2.4%
3M
+11.32%
+6.8%
6M
+26.11%
+7.9%
YTD
+38.55%
+24.3%
1Y
+46.01%
+29.6%
3Y
+139.82%
+57.6%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on SMBK open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+84.42K
Net buying
Buy transactions
6
85.98K shares
Sell transactions
4
1.56K shares
Net transactions
+10
Buys less sells
Sell : buy shares
0.0 : 1
Mixed
Insider-held shares
1.89M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 14, 26 | JORDAN RHETT D Officer |
SELL | 230 | $11.97K | Direct |
| Aug 4, 26 | JORDAN RHETT D Officer |
SELL | 430 | $22.68K | Direct |
| Jun 12, 26 | JORDAN RHETT D Officer |
SELL | 400 | $18.00K | Direct |
| Jun 10, 26 | BARRETT VICTOR LYNN Director |
BUY | 3.00K | $131.34K | Direct |
| Jun 4, 26 | ACKERMANN CATHY G. Director |
BUY | 3.00K | $126.36K | Direct |
| May 19, 26 | WOLPERT GEOFFREY ALAN Director |
STOCK | 31.12K | $0 | Indirect |
| May 18, 26 | WOLPERT GEOFFREY ALAN Director |
STOCK | 24.85K | $0 | Indirect |
| May 4, 26 | SHOMAKER KELLI D Director |
BUY | 290 | $11.98K | Direct |
| May 1, 26 | WOLPERT GEOFFREY ALAN Director |
STOCK | 23.72K | $0 | Indirect |
| Apr 24, 26 | JORDAN RHETT D Officer |
SELL | 500 | $20.93K | Direct |
| Mar 10, 26 | WELBORN WESLEY MILLER Chairman of the Board |
STOCK | 3.54K | $0 | Direct |
| Mar 10, 26 | GORCZYNSKI RONALD J Chief Financial Officer |
STOCK | 3.75K | $0 | Direct |
| Mar 10, 26 | CARROLL WILLIAM YOUNG JR Chief Executive Officer |
STOCK | 9.45K | $0 | Direct |
| Mar 10, 26 | JORDAN RHETT D Officer |
STOCK | 3.41K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
ACKERMANN CATHY G. |
Director | 32.43K | Purchase |
BARRETT VICTOR LYNN |
Director | 160.85K | Purchase |
CARROLL WILLIAM YOUNG JR |
Chief Executive Officer | 175.76K | Stock Award(Grant) |
GORCZYNSKI RONALD J |
Chief Financial Officer | 24.73K | Stock Award(Grant) |
MILLER TED CHARLES |
Director | 142.76K | Stock Award(Grant) |
OGLE DAVID AUSTIN |
Director | 238.38K | Stock Award(Grant) |
TUCKER STEVEN B |
Director | 50.72K | Stock Award(Grant) |
WELBORN WESLEY MILLER |
Chairman of the Board | 147.24K | Stock Award(Grant) |
WHALEY KEITH EDWARD |
Director | 87.37K | Stock Award(Grant) |
WOLPERT GEOFFREY ALAN |
Director | — | Stock Gift |
Fundamentals
Market cap$876.30M
Enterprise value$607.50M
Revenue (TTM)$204.19M
Gross profit$204.19M
EBITDA—
Net income$57.39M
EPS (TTM)$3.39
Free cash flow—
Total cash$389.72M
Total debt$120.81M
Book value / share$33.74
Shares outstanding17.10M
Float15.20M
Short % of float3.13%
Dividend yield0.66%
Beta (5Y)0.71
Valuation & profitability ratios
Trailing P/E15.12
Forward P/E12.23
PEG ratio—
Price / sales—
Price / book1.52
EV / revenue2.98
EV / EBITDA—
Gross margin0.00%
Operating margin41.68%
Profit margin28.11%
Return on equity10.47%
Return on assets0.99%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $196.50M | $171.50M | $152.41M | $165.22M | +14.6% |
| Operating revenue | $196.50M | $171.50M | $152.41M | $165.22M | +14.6% |
| Selling, general & admin | $83.92M | $76.81M | $70.25M | $67.39M | +9.3% |
| Pre-tax income | $61.50M | $45.46M | $36.23M | $54.91M | +35.3% |
| Tax provision | $11.15M | $9.32M | $7.63M | $11.89M | +19.7% |
| Net income | $50.35M | $36.14M | $28.59M | $43.02M | +39.3% |
| Net income to common | $50.35M | $36.14M | $28.59M | $43.02M | +39.3% |
| Basic EPS | 3.00 | 2.16 | 1.70 | 2.57 | +38.9% |
| Diluted EPS | 2.98 | 2.14 | 1.69 | 2.55 | +39.3% |
| Basic shares | 16.78M | 16.77M | 16.81M | 16.74M | +0.1% |
| Diluted shares | 16.90M | 16.88M | 16.91M | 16.87M | +0.1% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $451.59M | $373.51M | $294.82M | $251.11M | +20.9% |
| Property, plant & equipment | $88.39M | $91.09M | $92.96M | $92.51M | -3.0% |
| Goodwill & intangibles | $95.33M | $104.72M | $107.15M | $109.77M | -9.0% |
| Total assets | $5.86B | $5.28B | $4.83B | $4.64B | +11.1% |
| Current debt | $0 | $4.00M | $8.00M | $12.50M | -100.0% |
| Long-term debt | $98.66M | $39.68M | $42.10M | $66.61M | +148.6% |
| Total debt | $98.66M | $43.68M | $50.10M | $79.11M | +125.9% |
| Total liabilities | $5.31B | $4.78B | $4.37B | $4.21B | +10.9% |
| Retained earnings | $248.72M | $203.82M | $173.10M | $156.54M | +22.0% |
| Shareholder equity | $552.38M | $491.35M | $459.89M | $432.45M | +12.4% |
| Net tangible assets | $457.05M | $386.63M | $352.74M | $322.68M | +18.2% |
| Shares issued | 17.03M | 16.93M | 16.99M | 16.90M | +0.6% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $50.35M | $36.14M | $28.59M | $43.02M | +39.3% |
| Depreciation & amortisation | $9.74M | $11.41M | $13.50M | $12.64M | -14.7% |
| Stock-based compensation | $1.94M | $1.63M | $1.35M | $1.30M | +19.0% |
| Change in working capital | $485.00K | $3.02M | -$10.33M | -$2.67M | -83.9% |
| Operating cash flow | $61.72M | $52.70M | $39.72M | $56.79M | +17.1% |
| Capital expenditure | -$2.39M | -$6.41M | -$6.27M | -$12.49M | +62.7% |
| Investing cash flow | -$499.05M | -$420.22M | -$135.24M | -$840.82M | -18.8% |
| Share buybacks | $0 | -$2.97M | $0 | $0 | +100.0% |
| Dividends paid | -$5.45M | -$5.42M | -$5.43M | -$4.72M | -0.6% |
| Financing cash flow | $514.17M | $402.82M | $181.37M | $5.37M | +27.6% |
| Free cash flow | $59.34M | $46.30M | $33.45M | $44.31M | +28.2% |
| End cash position | $464.42M | $387.57M | $352.27M | $266.42M | +19.8% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $55.95M | $53.82M | $53.31M | $47.11M | $49.24M | +4.0% |
| Operating revenue | $55.95M | $53.82M | $53.31M | $47.11M | $49.24M | +4.0% |
| Selling, general & admin | $22.34M | $21.55M | $21.34M | $21.02M | $20.98M | +3.7% |
| Pre-tax income | $20.53M | $16.76M | $16.71M | $16.97M | $14.26M | +22.5% |
| Tax provision | $4.21M | $3.08M | $3.01M | $3.29M | $2.56M | +36.6% |
| Net income | $16.32M | $13.68M | $13.70M | $13.69M | $11.71M | +19.3% |
| Net income to common | $16.32M | $13.68M | $13.70M | $13.69M | $11.71M | +19.3% |
| Basic EPS | 0.97 | 0.81 | 0.82 | 0.82 | 0.70 | +19.8% |
| Diluted EPS | 0.96 | 0.81 | 0.81 | 0.81 | 0.69 | +18.5% |
| Basic shares | 16.82M | 16.82M | 16.79M | 16.78M | 16.78M | +0.0% |
| Diluted shares | 16.96M | 16.94M | 16.92M | 16.91M | 16.88M | +0.2% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | $373.67M | $339.13M | $451.59M | $523.08M | $347.57M | — | +10.2% |
| Property, plant & equipment | $93.31M | $93.36M | $88.39M | $89.25M | $90.20M | — | -0.0% |
| Goodwill & intangibles | $94.42M | $94.87M | $95.33M | $95.81M | $103.59M | — | -0.5% |
| Total assets | $6.12B | $5.91B | $5.86B | $5.78B | $5.49B | — | +3.5% |
| Current debt | — | $0 | $0 | $0 | $4.00M | $4.00M | — |
| Long-term debt | $98.81M | $98.73M | $98.66M | $138.60M | $39.73M | — | +0.1% |
| Total debt | $98.81M | $98.73M | $98.66M | $138.60M | $43.73M | — | +0.1% |
| Total liabilities | $5.54B | $5.35B | $5.31B | $5.25B | $4.97B | — | +3.6% |
| Retained earnings | $275.81M | $261.03M | $248.72M | $236.38M | $224.06M | — | +5.7% |
| Shareholder equity | $576.81M | $562.05M | $552.38M | $538.37M | $519.01M | — | +2.6% |
| Net tangible assets | $482.39M | $467.18M | $457.05M | $442.56M | $415.43M | — | +3.3% |
| Shares issued | 17.10M | 17.10M | 17.03M | 17.03M | 17.02M | — | 0.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $16.32M | $13.68M | $13.70M | $13.69M | $11.71M | +19.3% |
| Depreciation & amortisation | $1.76M | $1.75M | $1.79M | $2.50M | $2.71M | +0.5% |
| Stock-based compensation | $557.00K | $714.00K | $227.00K | $478.00K | $473.00K | -22.0% |
| Change in working capital | $7.36M | -$7.32M | -$1.20M | $5.48M | $14.00K | +200.5% |
| Operating cash flow | $23.66M | $16.36M | $16.53M | $16.89M | $14.02M | +44.6% |
| Capital expenditure | -$1.20M | -$6.20M | -$354.00K | -$328.00K | -$778.00K | +80.7% |
| Investing cash flow | -$175.55M | -$176.65M | -$171.45M | -$95.25M | -$133.37M | +0.6% |
| Share buybacks | — | — | $0 | $0 | — | — |
| Dividends paid | -$1.54M | -$1.37M | -$1.36M | -$1.37M | -$1.36M | -12.7% |
| Financing cash flow | $185.20M | $41.94M | $62.21M | $270.40M | $61.46M | +341.6% |
| Free cash flow | $22.47M | $10.16M | $16.18M | $16.56M | $13.24M | +121.2% |
| End cash position | $379.39M | $346.07M | $464.42M | $557.13M | $365.10M | +9.6% |
Options analytics
Put / call volume
0.00
Call-heavy session
Put / call open interest
0.00
Positioning, not flow
Max pain
25.00
-51.2% from spot
ATM implied vol
105.3%
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
42
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
50.00
41 contracts
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.90 | 0.96 | +6.5% |
| Mar 2026 | 0.78 | 0.81 | +3.9% |
| Dec 2025 | 0.78 | 0.81 | +3.4% |
| Sep 2025 | 0.72 | 0.86 | +19.2% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.97 | 6 | $57.69M | +12.2% |
| Next quarter | 1.01 | 6 | $58.89M | +9.7% |
| Current year | 3.74 | 6 | $226.88M | +12.5% |
| Next year | 4.19 | 6 | $247.81M | +9.2% |
Analyst targets & ownership
Mean target$52.71
High target$60.00
Low target$47.00
Implied upside2.85%
Analyst count6
ConsensusBUY
Strong buy / Buy0 / 2
Hold4
Sell / Strong sell0 / 0
Held by insiders11.07%
Held by institutions66.06%
Institutions holding248
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
50.21
+2.07% from price
SMA 20
50.94
+0.60% from price
SMA 50
51.44
-0.38% from price
SMA 100
48.18
+6.38% from price
SMA 200
44.10
+16.20% from price
EMA 12
50.60
+1.28% from price
EMA 26
50.77
+0.94% from price
EMA 50
50.35
+1.79% from price
RSI (14)
54.0
Neutral
MACD (12,26,9)
-0.17
Hist 0.01
ATR (14)
1.06
2.07% of price
Realised vol 30D
16.3%
Annualised
Bollinger upper
52.74
20, 2σ
Bollinger lower
49.15
20, 2σ
50 / 200 cross
Golden
51.44 vs 44.10
Trend bias
Above 200
+16.20%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.45
Less volatile than market
Correlation to SPY
0.24
Largely independent
Realised vol 30D
16.3%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-13.4%
Peak to trough
Max drawdown 5Y
-37.2%
Peak to trough
ATR 14
1.06
2.07% of price
Beta (reported)
0.71
5Y monthly, from filing
Short interest
Shares short
498.47K
Prior 366.87K
Change vs prior
+35.9%
Shorts adding
% of float
3.13%
Normal
% of shares out
2.92%
Against total outstanding
Days to cover
5.2
Crowded exit
Float
15.20M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Aug 18, 26 | Benchmark | MAINTAINED | Buy | Buy |
| Jul 23, 26 | Stephens & Co. | MAINTAINED | Equal-Weight | Equal-Weight |
| Jul 23, 26 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Jul 22, 26 | Benchmark | MAINTAINED | Buy | Buy |
| Jun 25, 26 | Benchmark | INITIATED | — | Buy |
| Apr 21, 26 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Nov 4, 25 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Oct 27, 25 | Piper Sandler | MAINTAINED | Neutral | Neutral |
| Jul 24, 25 | Raymond James | MAINTAINED | Strong Buy | Strong Buy |
| Jul 24, 25 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Apr 24, 25 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Apr 22, 25 | Stephens & Co. | MAINTAINED | Equal-Weight | Equal-Weight |
Dividends & splits
Forward rate$0.34 / yr
Forward yield0.66%
5-year avg yield1.01%
Payout ratio9.73%
Ex-dividend dateJul 31, 2026
Next pay dateAug 17, 2026
Last split1:4
Split dateSep 23, 2015
SEC filings
Periodic Financial Reports
10-Q · 2026-08-10
Corporate Changes & Voting Matters
8-K · 2026-07-20
Corporate Changes & Voting Matters
8-K · 2026-05-22
A correspondence can be sent as a document with another submission type or can be sent as a separate submission
CORRESP · 2026-05-11
Offering Registrations
S-3 · 2026-05-01
Corporate Changes & Voting Matters
8-K · 2026-04-30
Corporate Changes & Voting Matters
8-K · 2026-04-20
Annual Report to Shareholders
ARS · 2026-04-07
Headlines
SmartFinancial Sets Dates for Third Quarter Earnings Release and Conference Call
Business Wire · 1d ago
ZVOX Strengthens U.S. Leadership Team with Appointment of Insurance Sales Veteran Al Garcia
ACCESS Newswire · 71d ago
SmartFinancial (SMBK) Stock Sees Fair Value Lift As Analysts Back Loan Growth And Margins
Simply Wall St. · 75d ago
SmarFinancial (SMBK) Upgraded to Buy: What Does It Mean for the Stock?
Zacks · 77d ago
Raymond James Raises Price Target on SmartFinancial to $58 From $50, Keeps Strong Buy Rating
MT Newswires · 77d ago
SmartFinancial Inc (SMBK) Q2 2026 Earnings Call Highlights: Strong Loan Growth and Strategic ...
GuruFocus.com · 77d ago
SmartFinancial, Inc. Q2 2026 Earnings Call Summary
Moby · 78d ago
SmarFinancial (SMBK) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates
Zacks · 78d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.