OakChart

SmartFinancial Inc

SMBKFinancial·Banks - Regional·USA·Small·NYSE·Nov 11 • 10:00 AM ET

47.82-0.28 (-0.58%)
2026-11-11 16:01 CET
Market cap
822.31 USD m
Revenue, TTM
- USD m
Net income, TTM
62.33 USD m
Free cash flow, TTM
35.72 USD m
EPS diluted, TTM
3.68
P/E
13.01
Compare

Price

SMBK against its 20, 50 and 200-day averages
2050200beat
40.0045.0050.0055.00261K522KMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26SMBKclose 47.8220-day 49.0450-day 50.12200-day 45.5247.82

11.7% under 54.14 on 3 Aug 2026. Last 15 sessions, 7.3% high to low

Profile

SMBK
52-week range, 68% of the way up
34.5054.14

SmartFinancial, Inc. is a holding company, which engages in the provision of commercial banking services through SmartBank. It operates through the following portfolio segments: Commercial Real Estate-Non-Owner Occupied, Consumer Real Estate-Owner Occupied, Consumer Real Estate, Construction & Land Development, Commercial & Industrial, Leases, and Consumer and Other. The Commercial Real Estate-Non-Owner Occupied segment includes loans for income-producing properties such as apartment buildings, office and industrial buildings, and retail shopping centers. The Consumer Real Estate-Owner Occupied segment includes loans to operating businesses where the owner occupies the property. The Consumer Real Estate segment consists of real estate loans such as home equity lines. The Construction & Land Development segment focuses on credit to real estate developers or investors. The Commercial & Industrial segment provides commercial and financial loans. The Leases segment includes leases to small and mid-size companies for equipment financing leases. The Consumer & Other segment provides direct consumer installment loans, overdrafts, and other revolving credit and educational loans. The company was founded on September 19, 1983 and is headquartered in Knoxville, TN.

IndexRUT
Employees589
IPOMar 19, 2003
Beta0.74
ATR, 14d1.30
Rel volume0.70
Short float3.75%
Insider own11.52%
Inst own64.07%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap817.54M
Enterprise Value-
Income62.33M
Sales340.50M
Book/sh33.99
Cash/sh-
Dividend Est.0.35 (0.73%)
Dividend TTM0.34 (0.71%)
Dividend Ex-DateNov 16, 2026
Dividend Gr. 3/5Y4.55% 9.86%
Payout10.74%
Employees589
IPOMar 19, 2003

Ratios

P/E13.01
Forward P/E11.54
PEG0.77
P/S2.40
P/B1.41
P/C-
P/FCF22.89
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.19
Debt/Eq0.19
LT Debt/Eq0.19
Option/ShortYes / Yes

Earnings

EPS (ttm)3.68
EPS next Y4.14
EPS next Q0.99
EPS this Y26.14%
EPS next Y8.42%
EPS next 5Y15.06%
EPS past 3/5Y5.33% 12.96%
Sales past 3/5Y19.44% 18.75%
EPS Y/Y TTM34.28%
Sales Y/Y TTM9.88%
EPS Q/Q35.42%
Sales Q/Q8.56%
EarningsOct 19 AMC
EPS/Sales Surpr.14.51% -0.04%

Ownership

Insider Own11.52%
Insider Trans-0.12%
Inst Own64.07%
Inst Trans2.27%
ROA1.03%
ROE11.14%
ROIC9.01%
Gross Margin-
Oper. Margin21.88%
Profit Margin18.31%
SMA20-2.48%
SMA50-4.58%
SMA2005.06%
Trades-

Technical

Shs Outstand17.10M
Shs Float15.13M
Short Float3.75%
Short Ratio4.91
Short Interest0.57M
52W High54.14 -11.67%
52W Low34.50 38.61%
Volatility3.17% 2.84%
ATR (14)1.30
RSI (14)41.31
Beta0.74
Rel Volume0.70
Avg Volume115.72K
Volume10,008

Performance

Perf Week-3.45%
Perf Month-4.78%
Perf Quarter-9.04%
Perf Half Y18.40%
Perf YTD29.28%
Perf Year32.72%
Perf 3Y125.04%
Perf 5Y78.90%
Perf 10Y173.26%
Recom2.50
Target Price52.38
Prev Close48.10
Price47.82
Change %-0.58%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Oct 21, 2026DowngradeRRaymond JamesStrong Buy → Outperform$56+17.1%
Jun 25, 2026InitiatedTThe Benchmark CompanyBuy$54+12.9%
Jan 22, 2026UpgradeHHovde GroupMarket Perform → Outperform$48+0.4%
Oct 23, 2025ReiteratedHHovde GroupMarket Perform$40 → $41-14.3%
Jul 23, 2025ReiteratedHHovde GroupMarket Perform$37.50 → $40-16.4%
Dec 09, 2024DowngradeSStephensOverweight → Equal-Weight
Oct 23, 2024ReiteratedHHovde GroupMarket Perform$28 → $32.50-32.0%
Jul 24, 2024ReiteratedHHovde GroupMarket Perform$24 → $28-41.4%
Jul 24, 2024DowngradePPiper SandlerOverweight → Neutral$26 → $28-41.4%
Apr 24, 2024UpgradePPiper SandlerNeutral → Overweight$25 → $26-45.6%

Peers

Mkt cap
TickerCompanyMkt cap
HTBHomeTrust Bancshares Inc744.32M
CCBGCapital City Bank Group Inc875.04M
FCBCFirst Community Bankshares Inc855.74M
CBANColony Bankcorp Inc554.34M
SFBSServisFirst Bancshares Inc4.51B
SFSTSouthern First Bancshares Inc578.95M
CTBICommunity Trust Bancorp Inc1.27B
FBNCFirst Bancorp2.66B
PNFPPinnacle Financial Partners Inc15.44B
FHNFirst Horizon Corp11.08B

Insider trading

latest 14 of 17
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Tucker Steven B.DirectorNov 04 '26Sale49.623,550176,15143,672Nov 04 05:00 PM
STEVEN B TUCKERDirectorNov 04 '26Proposed Sale49.623,550176,139Nov 04 04:19 PM
Jordan Rhett D.EVP & CHIEF CREDIT OFFICEROct 26 '26Sale49.802009,96010,942Oct 26 05:05 PM
Tucker Steven B.DirectorOct 23 '26Sale49.503,500173,25047,222Oct 26 05:00 PM
STEVEN B TUCKERDirectorOct 23 '26Proposed Sale49.503,500173,250Oct 23 04:09 PM
Jordan Rhett D.EVP & CHIEF CREDIT OFFICERSep 14 '26Sale52.0523011,97211,142Sep 14 05:00 PM
Jordan Rhett D.EVP & CHIEF CREDIT OFFICERAug 04 '26Sale52.7543022,68211,372Aug 04 05:00 PM
Jordan Rhett D.EVP & CHIEF CREDIT OFFICERJun 12 '26Sale45.0040018,00011,802Jun 12 05:00 PM
Barrett Victor LynnDirectorJun 10 '26Buy43.783,000131,340151,724Jun 10 05:00 PM
Ackermann Cathy GDirectorJun 04 '26Buy42.123,000126,36019,831Jun 04 05:00 PM
Shomaker Kelli DDirectorMay 04 '26Buy41.3029011,9772,120May 04 05:00 PM
Jordan Rhett D.EVP & CHIEF CREDIT OFFICERApr 24 '26Sale41.8550020,92512,202Apr 24 05:15 PM
Welborn Wesley MillerCHAIRMAN OF THE BOARDFeb 09 '26Buy43.1383536,01496,468Feb 10 05:00 PM
Shomaker Kelli DDirectorJan 27 '26Buy39.3825510,0421,022Jan 28 08:00 AM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
AVUVAvantis U.S. Small Cap Value ETFAUM: 32.39B
IWMiShares Russell 2000 Index FundAUM: 77.38B
DFSVUS Small Cap Value Portfolio ETF Class Shares-
DFATU.S. Targeted Value Portfolio-ETF Class Shares-
VXFVanguard Extended Market Index ETFAUM: 30.47B
KREState Street SPDR S&P Regional Banking ETFAUM: 4.43B
IWNiShares Russell 2000 Value ETFAUM: 14.10B
DFASU.S. Small Cap Portfolio-ETF Class Shares-
VTWOVanguard Russell 2000 Index ETFAUM: 16.75B

News

latest 14 of 204
  • SmartFinancial Approves Regular Quarterly Cash Dividend (Business Wire)
  • Solink Raises $100+ Million in Fresh Funding: NYSE Content Update (PR Newswire)
  • SmarFinancial: Q3 Earnings Snapshot (Associated Press)
  • SmartFinancial Announces Results for the Third Quarter 2026 (Business Wire)
  • SmartFinancial Sets Dates for Third Quarter Earnings Release and Conference Call (Business Wire)
  • Loading…
  • SmartFinancial Inc (SMBK) Q2 2026 Earnings Call Highlights: Strong Loan Growth and Strategic ... (GuruFocus.com)
  • SmarFinancial: Q2 Earnings Snapshot (Associated Press)
  • SmartFinancial Announces Results for the Second Quarter 2026, Regular Quarterly Cash Dividend (Business Wire)
  • What To Expect From SmartFinancial Inc (SMBK) Q2 2026 Earnings (GuruFocus.com)
  • What To Expect From SmartFinancial Inc (SMBK) Q2 2026 Earnings (GuruFocus.com)
  • SmartFinancial Sets Dates for Second Quarter Earnings Release and Conference Call (Business Wire)
  • SmartFinancial Approves Regular Quarterly Cash Dividend (Business Wire)
  • SmartFinancial Inc (SMBK) Q1 2026 Earnings Call Highlights: Strong Loan Growth and Revenue ... (GuruFocus.com)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-191.1000.9611.10057.5357.556
2026Q22026-07-200.9600.9020.96255.9555.746
2026Q12026-04-200.8100.7800.80853.8253.215
2025Q42026-01-200.8100.7830.81053.3151.396
2025Q32025-10-210.8600.7210.80951.0751.066
2025Q22025-07-210.6900.6420.69449.2448.486
2025Q12025-04-210.6700.5470.66746.8446.236
2024Q42025-01-210.5700.5060.57246.8144.376
2024Q32024-10-210.5400.4610.54344.1742.236
2024Q22024-07-220.4600.3940.47540.4240.076
2024Q12024-04-220.4900.4100.55340.1039.146
2023Q42024-01-220.4100.4130.36639.1039.086
2023Q32023-10-230.4300.4670.12238.5038.927
2023Q22023-07-240.5200.5330.52338.7141.077
2023Q12023-04-240.6800.6030.68142.9142.827
2022Q42023-01-230.7600.7420.77044.7444.956

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY1.0200.8700.54851.2949.40
2018FY1.5801.4981.44683.5282.33
2019FY1.6801.6161.89092.2592.17
2020FY1.8201.6411.620116.29115.1
2021FY2.3902.3742.216137.34135.82
2022FY2.5702.5482.550165.22166.32
2023FY2.0302.0421.691152.41158.34
2024FY2.0702.0002.142171.5168.23
2025FY3.0303.0032.980200.46199.16
2026FY-3.822--226.61
2027FY-4.144--246.36
2028FY-4.616--268.24

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-10-2350258.5358.2758.90
2026Q4S2026-10-2050158.6558.2759.30
2026Q4S2026-10-1950058.8358.3559.30
2026Q4S2026-10-0250058.8358.3559.30
2026Q4S2026-09-2150058.8958.3559.30
2026Q4S2026-07-2150058.8958.3559.30
2026Q4S2026-07-0450059.0758.1959.70
2026Q4S2026-07-0253059.0758.1959.70
2026Q4S2026-06-2353059.0458.0659.70
2026Q4S2026-04-2043058.9358.0659.70
2026Q4S2026-04-1340058.3757.7358.64
2026Q4S2026-04-0850058.5157.7359.10
2026Q4S2026-04-0651058.5157.7359.10
2026Q4S2026-04-0155058.5157.7359.10

Estimate history

EPS, annual0.5481.4461.891.622.2162.551.6912.1422.983.6759
Period201720182019202020212022202320242025TTM
EPS, quarterly0.5430.5720.6670.6940.8090.810.8080.9621.096
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual57.0598.794117.37133.039149.181184.387238.947283.428314.208340.5
Period201720182019202020212022202320242025TTM
Sales, quarterly71.99274.66174.51677.80982.90182.93581.74385.82589.999
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual11.15313.93414.00815.10716.80316.90116.98916.92617.02917.096
Period201720182019202020212022202320242025MRQ
Shares, quarterly16.92616.92617.01817.01817.02817.02917.09817.09817.096
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income309.98285.97251.12218.04158.83125.23117.61108.4592.21
Total Interest Expense121.54119.87113.7787.9621.3311.8416.7524.5715.57
Net Interest Income188.44166.10137.35130.08137.50113.39100.8783.8876.64
Loan Loss Provision10.427.755.153.034.021.638.682.602.94
Net Interest Income After Loan Loss Provision178.01158.35132.20127.05133.48111.7692.1881.2873.71
Non-Interest Income30.5228.2432.3120.9025.5523.9515.438.926.58
Non-Interest Expense134.03127.72119.05111.62103.5787.6972.1559.9355.18
Operating Income74.5158.8745.4636.3455.4748.0235.4530.2625.12
Unusual Expense0.021.330.000.110.563.704.57-3.183.78
Net Income Before Taxes74.5061.5045.4636.2354.9144.3230.8933.4521.34
Income Taxes12.1611.159.327.6311.899.536.566.903.23
Consolidated Net Income62.3350.3536.1428.5943.0234.7924.3326.5518.10
Net Income From Continuing Operations62.3350.3536.1428.5943.0234.7924.3326.5518.10
Net Income62.3350.3536.1428.5943.0234.7924.3326.5518.10
EPS (Recurring)3.673.032.141.702.572.381.831.731.66
EPS (Basic, Before Extraordinaries)3.713.002.161.702.572.231.631.901.46
EPS (Diluted)3.682.982.141.692.552.221.621.891.45
Non-Operating Income (Expense)0.003.960.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense1.601.531.291.071.030.510.350.380.31
Price To Earnings Ratio13.0913.0916.0011.6812.6512.2511.2612.5112.77
Price To Sales Ratio2.471.991.841.732.522.882.052.832.31
Operating Margin21.8818.7416.0415.2130.0832.1926.6525.7925.42
Net Margin18.3116.0212.7511.9723.3323.3218.2922.6218.32
Shares Outstanding17.1017.0316.9316.9916.9016.8015.1114.0113.93
Market Capitalization822.31822.31524.38416.20464.43459.71276.37331.17232.95

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income82.0478.0474.2775.6274.5269.4566.3866.10
Total Interest Expense32.6429.9828.3930.5332.0929.1128.1428.31
Net Interest Income49.4048.0645.8845.0942.4340.3438.2437.78
Loan Loss Provision0.691.464.144.130.232.410.982.13
Net Interest Income After Loan Loss Provision48.7246.6041.7440.9642.2037.9337.2635.65
Non-Interest Income7.967.787.477.318.388.368.148.56
Non-Interest Expense36.1833.8532.4531.5532.3032.0331.8431.83
Operating Income20.4920.5316.7616.7318.2814.2613.5612.39
Unusual Expense0.000.000.000.021.310.000.000.00
Net Income Before Taxes20.4920.5316.7616.7116.9714.2613.5612.39
Income Taxes1.864.213.083.013.292.562.312.75
Consolidated Net Income18.6316.3213.6813.7013.6911.7111.259.64
Net Income From Continuing Operations18.6316.3213.6813.7013.6911.7111.259.64
Net Income18.6316.3213.6813.7013.6911.7111.259.64
EPS (Recurring)1.100.960.810.810.860.690.670.57
EPS (Basic, Before Extraordinaries)1.110.970.810.820.820.700.670.58
EPS (Diluted)1.100.960.810.810.810.690.670.57
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense0.410.440.560.180.380.370.600.29
Price To Earnings Ratio13.0915.0413.1213.4914.4414.9714.5116.00
Price To Sales Ratio2.472.392.031.971.951.911.811.84
Operating Margin22.7723.9220.5120.1722.0518.3318.2016.59
Net Margin20.7019.0216.7416.5216.5115.0415.1012.91
Shares Outstanding17.1017.1017.1017.0317.0317.0217.0216.93
Market Capitalization822.31802.26668.15629.87608.14574.85528.92524.38

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks56.4796.5161.5944.27110.3350.4633.2040.0264.10
Investments1,110.46932.921,011.221,021.121,515.76673.41347.88288.99207.30
Net Loans4,322.683,868.923,409.403,230.292,674.052,363.901,893.011,768.961,317.40
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets0.000.180.521.441.784.621.762.503.25
Net Property, Plant & Equipment99.54103.04102.86101.8395.7777.4864.9056.0143.00
Interest Receivables15.5014.2012.500.000.000.000.000.000.00
Deferred Tax Assets25.3821.4122.31------
Other Intangible Assets239.29238.73209.00238.56213.89135.09114.23117.9385.72
Total Assets5,869.315,275.904,829.394,637.504,611.583,304.952,449.122,274.411,720.77
Total Deposits5,152.794,686.484,267.854,077.104,021.942,805.222,047.211,921.961,438.58
Total Debt113.4360.2965.4893.33139.40125.3776.3662.1867.65
Long Term Debt108.6250.4350.9150.07125.29124.5769.2439.6210.00
Provision for Risks Charges3.602.502.400.000.000.000.000.000.00
Deferred Tax Liabilities8.50--------
Other Liabilities38.5035.1733.7734.6120.8217.1912.807.268.68
Total Liabilities5,316.824,784.444,369.504,205.054,182.152,947.782,136.381,991.401,514.92
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity552.38491.35459.89432.45429.43357.17312.75283.01205.85
Total Shareholders Equity552.38491.35459.89432.45429.43357.17312.75283.01205.85
Accumulated Minority Interest0.110.110.000.000.000.000.000.000.00
Total Equity552.49491.46459.89432.45429.43357.17312.75283.01205.85
Total Liabilities & Stockholders Equity5,869.315,275.904,829.394,637.504,611.583,304.952,449.122,274.411,720.77
Book Value Per Share32.4429.0327.0725.5925.5623.6422.3320.3118.46
Tangible Book Value Per Share26.8422.8420.7619.0919.2617.9216.8214.6413.90
Tier 1 Capital468.64413.62385.80360.61325.35271.74238.43-157.82
Tier 2 Capital137.5257.0262.2665.3561.2857.6949.50-5.86
Full-Time Employees589597570596551464399387343
Price to Book Ratio1.421.070.931.121.070.771.060.901.31
Return on Assets0.900.720.600.930.880.851.120.910.29
Return on Equity9.657.606.419.988.857.268.917.412.44
Return on Invested Capital7.626.675.608.926.275.056.955.612.32
Current Ratio0.170.220.190.130.530.360.250.180.11

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations76.6161.2449.6851.6754.5633.8829.4426.8818.80
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-31.010.483.02-10.33-2.671.651.625.30-1.67
Cash from Operating Activities45.6061.7252.7041.3451.8935.5231.0632.1817.13
Capital Expenditures-9.88-2.39-36.41-6.27-12.49-42.38-5.44-6.27-3.85
Net Assets From Acquisitions0.000.000.000.00-4.880.000.000.000.00
Sale of Fixed Assets and Businesses0.040.124.920.681.4615.3646.130.004.37
Purchase or Sale of Investments-77.63-43.6480.7383.94-266.52-285.05-6.0728.7122.25
Purchase of Investments-152.40-221.66-138.78-131.53-348.00-437.80-95.37-19.02-76.20
Sale Or Maturity of Investments74.77178.02219.51215.4781.48152.7589.3047.7298.45
Other Uses0.000.000.000.000.000.000.000.000.00
Other Sources11.2011.200.000.000.000.430.000.000.00
Cash from Investing Activities-716.05-499.05-420.00-136.87-835.91-254.34-261.33-97.09-91.18
Cash Dividends Paid-5.82-5.45-5.42-5.43-4.72-3.73-2.99-0.700.00
Change in Capital Stock-0.000.15-2.900.110.19-1.01-3.970.441.53
Repurchase of Common Pref Stock0.000.00-2.970.000.00-1.21-4.310.000.00
Sale of Common Pref Stock-0.000.150.070.110.190.200.340.441.53
Proceedsfrom Stock Options-0.000.150.070.110.190.200.340.441.53
Issuance or Reduction of Debt, Net-0.9653.44-7.44-4.20-45.735.5949.588.62-19.76
Change in Long Term Debt0.000.000.000.000.000.000.000.000.00
Issuance of Long Term Debt0.000.000.000.000.000.000.000.000.00
Reduction of Long Term Debt0.000.000.000.000.000.000.000.000.00
Net Financing Active Other Cash Flow-0.33-0.31-0.220.000.000.000.000.000.00
Other Financing Activities Uses-0.33-0.31-0.220.000.000.000.000.000.00
Cash from Financing Activities478.21514.17402.71181.375.37782.17528.02133.0676.85
Net Change in Cash-192.2576.8535.3085.85-778.65563.36297.7568.152.80
Free Cash Flow35.7259.3446.3035.0739.4033.1525.6225.9113.29
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow28.1711.6012.7913.9713.3814.6012.0413.1817.21
Federal Home Loan Advances Increase (Decrease)-0.000.000.000.000.000.000.000.00

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks82.4982.8756.7556.4760.3171.53
Investments1,011.211,013.80997.711,110.461,169.28953.96
Net Loans4,811.044,637.684,474.444,322.684,183.304,084.29
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment105.97103.67104.1199.54100.80102.02
Interest Receivables15.6015.2016.0015.500.000.00
Deferred Tax Assets---25.38--
Other Intangible Assets294.49262.08258.68239.29271.30278.92
Total Assets6,320.806,115.315,907.695,869.315,784.985,490.86
Total Deposits5,576.215,385.555,196.245,152.795,050.904,872.12
Total Debt111.66110.41113.29113.43152.0359.14
Long Term Debt110.84108.95108.78108.62150.2655.24
Provision for Risks Charges3.704.104.503.600.000.00
Deferred Tax Liabilities---8.50--
Other Liabilities47.9738.3231.5038.5043.5740.47
Total Liabilities5,739.545,538.385,345.525,316.825,246.504,971.74
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity581.14576.81562.05552.38538.37519.01
Total Shareholders Equity581.14576.81562.05552.38538.37519.01
Accumulated Minority Interest0.110.110.110.110.110.11
Total Equity581.26576.92562.16552.49538.48519.13
Total Liabilities & Stockholders Equity6,320.806,115.315,907.695,869.315,784.985,490.86
Book Value Per Share33.9933.7332.8732.4431.6230.50
Tangible Book Value Per Share28.5028.2127.3226.8425.9924.41
Tier 1 Capital-494.75-468.64454.67433.78
Tier 2 Capital-145.48144.68137.52159.6361.56
Full-Time Employees---589--
Price to Book Ratio1.421.431.201.171.171.18
Return on Assets1.030.990.930.900.870.80
Return on Equity11.1410.4710.079.659.018.42
Return on Invested Capital2.692.382.042.071.992.04
Current Ratio0.190.200.190.170.300.21

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations18.8916.3123.6817.7311.4114.01
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital-29.857.36-7.32-1.205.480.01
Cash from Operating Activities-10.9623.6616.3616.5316.8914.02
Capital Expenditures-2.12-1.20-6.20-0.35-0.33-0.78
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.040.000.000.060.05
Purchase or Sale of Investments-15.85-8.54-15.43-37.815.19-0.07
Purchase of Investments-30.32-33.01-43.98-45.08-136.08-16.07
Sale Or Maturity of Investments14.4824.4828.557.26141.2716.01
Other Uses0.000.000.000.000.000.00
Other Sources0.000.000.0011.200.000.00
Cash from Investing Activities-192.41-175.55-176.65-171.45-95.25-133.37
Cash Dividends Paid-1.54-1.54-1.37-1.36-1.37-1.36
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock0.000.000.00-0.000.090.00
Repurchase of Common Pref Stock0.000.000.000.000.000.00
Sale of Common Pref Stock0.000.000.00-0.000.090.00
Proceedsfrom Stock Options0.000.000.00-0.000.090.00
Issuance or Reduction of Debt, Net-0.26-2.580.17-38.3192.92-0.65
Change in Long Term Debt0.000.000.000.000.000.00
Issuance of Long Term Debt0.000.000.000.000.000.00
Reduction of Long Term Debt0.000.000.000.000.000.00
Net Financing Active Other Cash Flow0.000.00-0.31-0.02-0.030.00
Other Financing Activities Uses0.000.00-0.31-0.02-0.030.00
Cash from Financing Activities188.86185.2041.9462.21270.4061.46
Net Change in Cash-14.5133.32-118.35-92.71192.03-57.89
Free Cash Flow-13.0822.4710.1616.1816.5613.24
Price to Free Cash Flow28.1713.3313.0611.6211.3811.91

Revenue breakdown

National Commercial Banks2024: 171.50M 2025: 200.46M
United States2024: 171.50M 2025: 200.46M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-303.75%0.6M15.1M117.55K
2026-10-154.25%0.6M15.1M122.44K
2026-09-304.20%0.6M15.1M121.90K
2026-09-153.29%0.5M15.1M120.25K
2026-08-312.61%0.4M15.1M119.68K
2026-08-142.42%0.4M15.1M114.69K
2026-07-312.21%0.3M15.1M104.90K
2026-07-152.18%0.3M15.1M88.60K
2026-06-302.03%0.3M15.1M84.66K
2026-06-151.46%0.2M15.1M73.66K
2026-05-291.51%0.2M15.1M68.61K
2026-05-151.41%0.2M15.1M69.98K
2026-04-301.51%0.2M15.0M73.21K
2026-04-151.26%0.2M14.7M74.33K
2026-03-311.39%0.2M14.9M75.75K
2026-03-130.72%0.1M14.9M77.41K
2026-02-270.77%0.1M14.8M84.81K
2026-02-130.71%0.1M14.8M83.88K
2026-01-300.58%0.1M14.8M80.77K
2026-01-150.66%0.1M14.8M80.19K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call40.002.9012.900.002.9580.000.000.736-0.4200.025
call45.000.058.400.002.3850.000.000.642-0.3460.028
call50.000.004.900.001.8860.000.000.517-0.3420.030
call55.000.004.900.002.4220.000.000.440-0.4010.030
call60.000.004.900.002.9320.000.000.398-0.4700.029
put40.000.004.900.003.0590.000.00-0.264-0.4170.025
put45.000.004.900.002.1920.000.00-0.354-0.3460.028
put50.000.058.400.462.4412.000.00-0.479-0.3380.030
put55.002.3012.300.002.6430.000.00-0.560-0.3960.030
put60.007.3017.300.003.0960.000.00-0.600-0.4590.029

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-0910-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-11-04144Filing for proposed sale of securities under Rule 144.SEC
2026-11-044Statement of changes in beneficial ownership of securities2026-11-04SEC
2026-10-308-KCurrent report2026-10-30SEC
2026-10-264Statement of changes in beneficial ownership of securities2026-10-23SEC
2026-10-264Statement of changes in beneficial ownership of securities2026-10-26SEC
2026-10-23144Filing for proposed sale of securities under Rule 144.SEC
2026-10-198-KCurrent report2026-10-19SEC
2026-09-144Statement of changes in beneficial ownership of securities2026-09-14SEC
2026-08-1010-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-08-044Statement of changes in beneficial ownership of securities2026-08-04SEC
2026-07-208-KCurrent report2026-07-20SEC
2026-06-124Statement of changes in beneficial ownership of securities2026-06-12SEC
2026-06-104Statement of changes in beneficial ownership of securities2026-06-10SEC
2026-06-044Statement of changes in beneficial ownership of securities2026-06-04SEC
2026-05-228-KCurrent report2026-05-21SEC
2026-05-204Statement of changes in beneficial ownership of securities2026-05-19SEC
2026-05-204Statement of changes in beneficial ownership of securities2026-05-18SEC
2026-05-204Statement of changes in beneficial ownership of securities2026-05-01SEC
2026-05-13EFFECTEffectiveness filing by commission orderSEC
2026-05-1110-QQuarterly report pursuant to Section 13 or 15(d)2026-03-31SEC
2026-05-11CORRESPSEC
2026-05-05UPLOADUpload SubmissionSEC
2026-05-044Statement of changes in beneficial ownership of securities2026-05-04SEC
2026-04-308-KCurrent report2026-04-30SEC
2026-04-27SCHEDULE 13G/ASEC
2026-04-244Statement of changes in beneficial ownership of securities2026-04-24SEC
2026-04-208-KCurrent report2026-04-20SEC
2026-04-07DEFA14AProxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934SEC
2026-04-07ARSAnnual report to security holders. 2025-12-31SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-1100176.15K1
2026-1000183.21K2
2026-090011.97K1
2026-080022.68K1
2026-070000
2026-06257.70K218.00K1
2026-0511.98K100
2026-040020.93K1
2026-030000
2026-0236.01K100
2026-0110.04K100
2025-1200403.86K1
2025-11008.75K1

Institutional holders

Manager% owned
BlackRock, Inc.8.59%
DIMENSIONAL FUND ADVISORS LP4.59%
VANGUARD CAPITAL MANAGEMENT LLC3.98%
WELLINGTON MANAGEMENT GROUP LLP3.48%
STATE STREET CORP2.67%
AMERICAN CENTURY COMPANIES INC2.62%
Private Capital Management, LLC2.53%
GEODE CAPITAL MANAGEMENT, LLC2.27%
First Eagle Investment Management, LLC2.22%
ACADIAN ASSET MANAGEMENT LLC2.14%

Funds

Fund% owned
Angel Oak Financial Strategies Income Term Trust29.24%
Thompson Bond Fund23.39%
VANGUARD TOTAL STOCK MARKET INDEX FUND2.87%
Avantis U.S. Small Cap Value ETF2.48%
iShares Russell 2000 ETF2.43%
First Eagle Small Cap Opportunity Fund1.83%
U.S. SMALL CAP VALUE PORTFOLIO1.14%
VANGUARD EXTENDED MARKET INDEX FUND1.00%
Fidelity Small Cap Index Fund0.99%
iShares Russell 2000 Value ETF0.75%

OakChart. SMBK. Cached 15 minutes.