SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers. It operates through Commercial Real Estate, Consumer Real Estate, Construction and Land Development, Commercial and Industrial, and Consumer and Other segments. The company offers noninterest-bearing and interest-bearing checking, interest-bearing demand, savings, money market, time deposit, individual retirement accounts, as well as certificates of deposit. It also provides commercial and residential real estate, consumer real estate, and construction and land development loans; commercial and financial loans; mortgage loans; and direct consumer installment loans, educational, and other revolving credit loans; and overdraft facilities. In addition, the company offers wealth management, insurance, mortgage origination, and Internet and mobile banking services. As of March 1, 2022, it had 41 full-service branches and 2 loan production offices in East and Middle Tennessee, Alabama, and the Florida Panhandle. The company is headquartered in Knoxville, Tennessee.

SmartFinancial, Inc.

SmartBank provides a range of financial services, including banking, mortgages, investments, and insurance. It offers online and mobile banking services to facilitate access to financial information.

SmartBank

SmartFree Checking and Free Gift!

SmartBank | 7,179 followers on LinkedIn. SmartBank emerged in January 2006, when long-time executive bankers Bill Carroll and Billy Carroll decided to start the process of organizing a bank with the image, values and service level that would become incomparable to any other bank in the market. SmartBank opened its first office in January 2007 in Pigeon Forge, Tennessee. Today, SmartBank has 42 branches spanning Tennessee, Alabama and Florida.

Ean Colley

Tanner Harris

Robert Moore

Max Coblentz

Stacy Faison, Area President, and SmartBank executives recently touched down in Columbus, GA and Auburn, AL for some business networking. It's always a pleasure to engage with the markets we serve!

🌟 Auburn Grand Opening Celebration 🌟 Last week, we hosted the grand opening of our new location in Auburn, AL! We truly appreciate everyone who came out to celebrate with us, and we hope you’ll stop by again soon!

KlariVis announced the winners of its 2024 Banking on Brilliance Awards, honoring influential women in community banking who lead with innovation and dedication. Congratulations to Cynthia Cain, Executive Vice President and Chief Accounting Officer, and Dawn Winsett, Lead Collateral Analyst, for being recognized as honorees! 🌟

🌟 Tennessee Bankers Association Women in Banking Conference 2024 🌟 This wonderful event unites talented women in banking from across Tennessee to connect, share knowledge, and inspire each other. A special thank you to the SmartBank women who represented us so well!

Join us in celebrating Jeff Williams , Regional President, as he steps into the role of the 105th Chairman of the Dothan Area Chamber of Commerce for 2024-2025! Leading a group of over 1,200 member businesses, Jeff’s commitment to community and outstanding representation of SmartBank is truly inspiring. Congratulations, Jeff! 🌟

We are excited to announce the addition of Dylan Pritchett to our team as a Mortgage Loan Officer in Chattanooga, TN! With a strong background in the financial and lending industries, Dylan brings a wealth of knowledge and experience to our team. Welcome, Dylan! 🌟 Read more here: https://lnkd.in/eDJm8223

Being Great Place To Work US Certified is worth celebrating BIG! 🎉 Last week, our teams enjoyed a week full of activities to recognize the hard work and collaboration that make SmartBank an exceptional place to work. Check out these photos capturing all the fun! 💙 #GPTWCertified #SMBK

📣SMBK NEWS ALERT📣 SmartBank announces 3rd quarter earnings. For the full announcement, click here; https://lnkd.in/e2uUpsDS

SmartBank is proud to announce the addition of Lee Hunter as Area President in Franklin, Tennessee! Born and raised in Nashville, Lee brings a deep passion for his hometown and a strong commitment to the community. Welcome, Lee! 🌟 Read more here: https://lnkd.in/esk_ECyG

It's Certification Nation Day 🎉 SmartBank is proud to be part of the Great Place To Work US Certified community. We know what makes it all possible: our PEOPLE. Thank YOU for everything you do each day! 💙 #GPTWCertified

Metric
Company Name	SmartFinancial, Inc.
Symbol	SMBK
MSH ID	COM:SMARTBANK
Market	STOCKS
Sector	Financial Services
Industry	Banks - Regional
Country	US
Stage
Employee Count	570
Website	smartbank.com
LinkedIn	smartbank
Founders

Metric
Market Cap	417.18M
Enterprise Value
Monthly Web Traffic
Web Traffic Growth
Valuation
Raised Capital

Metric
Revenue	152.41M
Revenue (LTM)
Revenue (NTM)
Gross Profit	152.41M
EBITDA	49.72M
Operating Income	36.23M
Net Income	28.59M
EPS
Diluted EPS
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	1.12
Operating Profit Margin	0.35
EBITDA Margin	0.33
Net Profit Margin	0.19
Return on Equity	0.06
Return on Assets	0.01
Return on Capital Employed	0.01

COM:SMARTBANK

SmartBank

Last Close

36.05

22/11 21:00

Market Cap

417.18M

Beta: -

Volume Today

38.84K

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	10.56
P/B Ratio	0.84
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	3.12
EV Multiple	21.95

Metric
Days Sales Outstanding	158.29
Days Payables Outstanding
Days Inventory Outstanding
Operating Cycle	148.63
Cash Conversion Cycle	148.63
Asset Turnover	0.04

Metric
Operating Cash Flow
Free Cash Flow
Cash Flow to Debt	0.84
Operating Cash Flow/Sales	0.26
Free Cash Flow Yield	0.08

Metric
Cash & Equivalents	61.59M
Accounts Receivable
Inventory
Goodwill
Debt to Capitalization	0.10
Debt to Assets	0.01
Current Ratio
Quick Ratio	156.28

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.01
R&D to Revenue
SG&A to Revenue	0.45