- ISIN
- US83190L2088
- CUSIP
- 83190L208
- Sector
- Financial Services
- Industry
- Banks - Regional
- IPO Date
- Jan 2, 2001
Highlights
- Market Cap
- $895.96M
- Enterprise Value
- $615.98M
- EPS (TTM)
- $3.39
- PE Ratio
- 15.46
- PEG Ratio
- 1.29
- Total Revenue (TTM)
- $331.18M
- Gross Profit (TTM)
- $208.50M
- EBITDA (TTM)
- $74.41M
- Year Range
- $32.64 - $53.93
- Target Price
- $50.67
- ROA (TTM)
- 0.94%
- ROE (TTM)
- 9.95%
- Avg. Volume (1M)
- 126K
- Avg. Volume Value (1M)
- $6.21M
Share Price Chart
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Performance
SMBK Performance Chart
SmartFinancial, Inc. (SMBK) is up 42.5% since the beginning of the year. At $52 per share, SMBK is trading just below its 52-week high of $54. Investors who bought $1,000 worth of SMBK shares 5 years ago would now be looking at an investment worth $2,276.
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Returns By Period
SmartFinancial, Inc. (SMBK) has returned 42.49% so far this year and 59.21% over the past 12 months. Looking at the last ten years, SMBK has achieved an annualized return of 14.06%, outperforming the S&P 500 Index benchmark, which averaged 13.26% per year.
SmartFinancial, Inc.
- 1D
- -0.30%
- 1M
- 10.88%
- 6M
- 32.03%
- YTD
- 42.49%
- 1Y
- 59.21%
- 3Y*
- 29.15%
- 5Y*
- 17.88%
- 10Y*
- 14.06%
- ALL TIME*
- 6.47%
Benchmark (S&P 500 Index)
- 1D
- 0.70%
- 1M
- 0.09%
- 6M
- 7.94%
- YTD
- 9.41%
- 1Y
- 20.07%
- 3Y*
- 17.84%
- 5Y*
- 11.25%
- 10Y*
- 13.26%
- ALL TIME*
- 8.09%
SMBK Monthly Returns History
Based on dividend-adjusted daily data since Jan 2, 2001, SMBK's average daily return is +0.10%, while the average monthly return is +1.10%. At this rate, an investment would double in approximately 5.3 years.
Historically, 47% of months were positive and 53% were negative. The best month was Apr 2010 with a return of +48.2%, while the worst month was May 2010 at -42.5%. The longest winning streak lasted 8 consecutive months, and the longest losing streak was 10 months.
On a daily basis, SMBK closed higher 30% of trading days. The best single day was Sep 15, 2004 with a return of +100.0%, while the worst single day was Sep 23, 2004 at -44.4%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 7.92% | -1.59% | -0.33% | 7.32% | -0.35% | 12.52% | 11.87% | 42.49% | |||||
| 2025 | 14.07% | -1.53% | -10.48% | -2.12% | 4.75% | 6.29% | 1.42% | 7.82% | -3.04% | -2.13% | 3.92% | 2.01% | 20.55% |
| 2024 | -5.02% | -7.16% | -2.09% | -2.47% | 13.01% | 2.29% | 19.73% | 3.45% | -0.31% | 13.80% | 9.59% | -14.56% | 28.05% |
| 2023 | -1.93% | 1.52% | -15.24% | -6.91% | -1.66% | 1.94% | 16.78% | -9.06% | -6.15% | -2.43% | 2.88% | 14.60% | -9.70% |
| 2022 | -2.01% | -2.43% | -1.95% | -4.14% | 5.93% | -6.72% | 8.65% | -4.16% | -1.51% | 18.33% | 2.78% | -8.27% | 1.59% |
| 2021 | 9.15% | 6.37% | 3.10% | 9.42% | 2.62% | -0.99% | 1.50% | 2.76% | 3.48% | 0.54% | -1.01% | 6.58% | 52.36% |
Benchmark Metrics
SmartFinancial, Inc. has an annualized alpha of 26.22%, beta of 0.34, and R2 of 0.01 versus S&P 500 Index. Calculated based on daily prices since January 02, 2001.
- This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (60.35%) than losses (59.34%) - typical of diversified or defensive assets.
- Beta of 0.34 may look defensive, but with R2 of 0.01 this stock is largely uncorrelated with S&P 500 Index - low beta reflects independence, not downside protection. See the Volatility section for a true picture of this stock's risk.
- R2 of 0.01 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.
- Alpha
- 26.22%
- Beta
- 0.34
- R²
- 0.01
- Upside Capture
- 60.35%
- Downside Capture
- 59.34%
Return for Risk
Risk / Return Rank
SMBK ranks 91 for risk / return — above 91% of stocks peers on PortfoliosLab. Its historical combined result is among the stronger results in the peer group.
Risk / Return Metrics
The table below present risk-adjusted performance metrics for SmartFinancial, Inc. (SMBK) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| SMBK | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.72 | ||
| Sortino ratioReturn per unit of downside risk | +0.81 | ||
| Omega ratioGain probability vs. loss probability | 1.36 | 1.25 | +0.11 |
| Calmar ratioReturn relative to maximum drawdown | 4.13 | 2.00 | +2.13 |
| Martin ratioReturn relative to average drawdown | 10.88 | 8.49 | +2.39 |
Dividends
Dividend History
SmartFinancial, Inc. provided a 0.80% dividend yield over the last twelve months, with an annual payout of $0.42 per share. The company has been increasing its dividends for 6 consecutive years.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Dividend | $0.42 | $0.32 | $0.32 | $0.32 | $0.28 | $0.24 | $0.20 | $0.05 |
Dividend yield | 0.80% | 0.87% | 1.03% | 1.31% | 1.02% | 0.88% | 1.10% | 0.21% |
Monthly Dividends
The table displays the monthly dividend distributions for SmartFinancial, Inc.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.00 | $0.08 | $0.00 | $0.00 | $0.09 | $0.00 | $0.09 | $0.26 | |||||
| 2025 | $0.08 | $0.00 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $0.08 | $0.00 | $0.32 |
| 2024 | $0.00 | $0.08 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $0.08 | $0.00 | $0.32 |
| 2023 | $0.00 | $0.08 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $0.08 | $0.00 | $0.00 | $0.08 | $0.00 | $0.32 |
| 2022 | $0.00 | $0.07 | $0.00 | $0.00 | $0.07 | $0.00 | $0.00 | $0.07 | $0.00 | $0.00 | $0.07 | $0.00 | $0.28 |
| 2021 | $0.00 | $0.06 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.06 | $0.00 | $0.00 | $0.06 | $0.00 | $0.24 |
Dividend Yield & Payout
Dividend Yield
SmartFinancial, Inc. has a dividend yield of 0.80%, which signifies it pays a smaller percentage of its stock price in dividends to its shareholders compared to other companies in the market.
Payout Ratio
SmartFinancial, Inc. has a payout ratio of 9.52%, which is below the market average. This means SmartFinancial, Inc. returns a smaller proportion of its earnings to shareholders as dividends, suggesting it retains a higher portion for reinvestment, growth, or debt payment.
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the SmartFinancial, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the SmartFinancial, Inc. was 94.35%, occurring on Nov 2, 2011. The portfolio has not yet recovered.
The current SmartFinancial, Inc. drawdown is 5.85%.
Drawdown | Fall | Recovery | Underwater | Related event |
|---|---|---|---|---|
-94.35%Nov 2011 | 4y 10mo | — | 19y 7moDec 2006 - now | — |
-48.15%Sep 2004 | 4d | 1y 4mo | 1y 4moSep 2004 - Feb 2006 | — |
-42.31%Dec 2001 | 1d | 1d | 1dDec 2001 - Dec 2001 | Dot-com crash2000–2002 |
-18.92%Jun 2004 | 1mo 23d | 1mo 16d | 3mo 9dApr 2004 - Aug 2004 | — |
-16.28%Apr 2003 | 13d | 10d | 23dApr 2003 - Apr 2003 | — |
Drawdown Indicators
| SMBK | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -94.35% | -56.78% | -37.57% |
Max Drawdown (1Y)Largest decline over 1 year | -13.28% | -9.10% | -4.18% |
Max Drawdown (3Y)Largest decline over 3 years | -26.37% | -18.90% | -7.47% |
Max Drawdown (5Y)Largest decline over 5 years | -36.09% | -25.43% | -10.66% |
Max Drawdown (10Y)Largest decline over 10 years | -56.41% | -33.92% | -22.49% |
Current DrawdownCurrent decline from peak | -5.85% | -1.58% | -4.27% |
Average DrawdownAverage peak-to-trough decline | -51.88% | -10.70% | -41.18% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 5.04% | 2.14% | +2.90% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
The chart below illustrates the trends in the financial health of SmartFinancial, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Valuation
The Valuation section provides an overview of how SmartFinancial, Inc. is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for SMBK, comparing it with other companies in the Banks - Regional industry. Currently, SMBK has a P/E ratio of 15.5. This P/E ratio is significantly higher than those of industry peers. This could indicate that the stock is overvalued or that investors expect strong future growth.
PEG Ratio
The chart shows the Price/Earnings to Growth (PEG) ratio for SMBK compared to other companies in the Banks - Regional industry. SMBK currently has a PEG ratio of 1.3. This PEG ratio is close to the industry average, suggesting the stock’s valuation is balanced against its growth outlook.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for SMBK relative to other companies in the Banks - Regional industry. Currently, SMBK has a P/S ratio of 2.7. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.
PB Ratio
The chart illustrates the Price-to-Book (P/B) ratio for SMBK in comparison with other companies in the Banks - Regional industry. Currently, SMBK has a P/B value of 1.5. This P/B ratio is in line with the industry average, suggesting the stock is valued fairly in relation to its book value.
Income Statement
| TTM | |
|---|---|
Revenue | |
Total Revenue | — |
Cost Of Revenue | — |
Gross Profit | — |
Operating Expenses | |
Selling, General & Admin Expenses | — |
R&D Expenses | — |
Depreciation And Amortization | — |
Total Operating Expenses | — |
Income | |
Income Before Tax | — |
Operating Income | — |
EBITDA | — |
EBIT | — |
Earnings From Continuing Operations | — |
Net Income | — |
Income Tax Expense | — |
Other Non-Operating Income (Expenses) | — |
Extraordinary Items | — |
Discontinued Operations | — |
Effect Of Accounting Charges | — |
Non Recurring | — |
Minority Interest | — |
Other Items | — |
Interest Income | — |
Interest Expense | — |
Net Interest Income | — |
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