SmartFinancial (SMBK)
Runs a Southeast community bank focused on deposits, commercial lending, and equipment finance.
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Runs a Southeast community bank offering deposits, commercial and consumer loans, treasury management, investment products, and equipment finance. A loan book led by commercial real estate is funded chiefly by customer deposits, while interest-rate spreads drive revenue and tie performance to rates, local property markets, and banking regulation.
Operates SmartBank across Tennessee, Alabama, Florida, and Georgia, providing deposits, treasury management, commercial and consumer loans, residential mortgages, and investment products. Fountain Equipment Finance adds heavy-equipment loans and leases for small and midsize businesses across the Southeast.
Builds local business relationships through senior management and bank officers who know their markets, while applying rigorous credit standards. Interest earned on loans and securities, less deposit and borrowing costs, drives most revenue; fees from banking and investment services supplement that spread income.
Commercial real estate is the largest loan class, alongside commercial and industrial, construction, residential, consumer, and equipment finance exposures. Deposits provide the principal funding for loans and leases, while performance remains sensitive to interest rates, regional property conditions, and federal and Tennessee banking supervision.
Company facts
Categories
Target rangeAs of Sep 2, 2026
Latest analyst notes
| Date | Firm | Action | Rating | Prior target | Target |
|---|---|---|---|---|---|
| Jul 23, 2026 | Stephens | Target | $27 | $47 | |
| Jul 22, 2026 | Raymond James | Reiterate | Strong Buy | $50 | $58 |
| Jun 24, 2026 | Benchmark | Initiate | Buy | ||
| Jun 24, 2026 | Benchmark Co. | Target | $54 | ||
| Apr 20, 2026 | Raymond James | Target | $36 | $50 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $642.9M · Total debt $110.4M · Total assets $6.12B · Shareholders' equity $576.8M
- Revenue
- $85.9M
- Operating income
- $20.5M
- Net income
- $16.3M
Raised for 6 straight years — most recently to $0.09 from $0.08 in May 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jul 31, 2026 | Jul 31 | Aug 17 | $0.09 | |
| May 15, 2026 | May 15 | Jun 1 | $0.09 | raised from $0.08 |
| Feb 13, 2026 | Feb 13 | Mar 2 | $0.08 | |
| Nov 17, 2025 | Nov 17 | Dec 2 | $0.08 | |
| Aug 8, 2025 | Aug 8 | Aug 25 | $0.08 | |
| May 2, 2025 | May 2 | May 19 | $0.08 | |
| Jan 31, 2025 | Jan 31 | Feb 18 | $0.08 | |
| Nov 12, 2024 | Nov 12 | Nov 27 | $0.08 |
| Institutions185 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | ≈ 65.36% | 11.18M shares | |
| Insiders17 holders · as of Aug 4, 2026 | 7.33% | 1.25M shares | |
| Otherremainder | ≈ 27.31% | 4.67M shares |
17.10M company shares as of Sep 3, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Evidence |
|---|---|---|---|
BlackRock, Inc.Institution | 8.59% | 1.47M | 13Fas of Jun 30, 2026 |
Dimensional Fund Advisors LPInstitution | 4.89% | 836,086 | 13Fas of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 3.98% | 679,819 | 13Fas of Jun 30, 2026 |
Wellington Management Group LLPInstitution | 3.48% | 594,386 | 13Fas of Jun 30, 2026 |
State Street CorpInstitution | 2.67% | 457,060 | 13Fas of Jun 30, 2026 |
| See all 25 → | |||
13F — a manager's quarterly holdings
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 4, 2026 | Rhett D. Jordan | officer: EVP & CHIEF CREDIT OFFICER | −430 | $52.75 |
| Jun 12, 2026 | Rhett D. Jordan | officer: EVP & CHIEF CREDIT OFFICER | −400 | $45.00 |
| Jun 10, 2026 | Victor Lynn Barrett | director | +3,000 | $43.78 |
| Jun 4, 2026 | Cathy G. Ackermann | director | +3,000 | $42.12 |
| May 4, 2026 | Kelli D. Shomaker | director | +290 | $41.30 |
- FB Financial
Tennessee-headquartered rival growing into Alabama and Georgia via M&A
- Renasant
Tupelo-based Southeast bank with branches across all four SMBK states
- United Community Banks
Greenville-based Southeast bank spanning all four SMBK states
- Trustmark
Jackson, Mississippi-based bank spanning the Deep South and Texas
- ServisFirst Bancshares
Larger Alabama-based commercial bank overlapping AL/FL/GA/TN markets
- Home BancShares
Arkansas-based bank with heavy Florida presence and new Knoxville entry
ComparePre-market
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| SmartFinancial | $51.14 | +0.39% | $870.8M | 15.0 | 12.9 | 2.6 | +13.6% |
| FB Financial | $58.99 | +4.87% | $2.90B | 15.0 | 11.4 | 2.8 | +18.5% |
| Renasant | $40.57 | −0.30% | $3.72B | 12.2 | 10.7 | 3.0 | +21.1% |
| United Community Banks | $35.14 | +0.46% | $4.19B | 11.5 | 11.5 | 2.7 | +9.8% |
| Trustmark | $45.54 | −0.65% | $2.69B | 11.6 | 11.5 | 2.3 | −14.3% |
| ServisFirst Bancshares | $42.23 | −0.24% | $4.62B | 14.4 | 12.3 | 4.5 | +27.6% |
| Home BancShares | $29.45 | −0.86% | $5.98B | 12.2 | 11.7 | 4.3 | +10.7% |
| Median | 12.2 | 11.5 | 2.9 | +14.6% |