SmartFinancial, Inc. (SMBK)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-05
$47.95-3.19%
Close 2026-11-05 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-05
QuarterlyIQ Insights · SMBK
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Growing our deposit franchise alongside our lending business remains an important priority as we execute our relationship-focused strategy.
Stated in 2 of 3 supplied quarters. Management reported: “I want to thank our associates for the exceptional work they do every day to serve our clients and create long-term value for our shareholders.” “As we look ahead, we remain excited about the opportunities and confident in our ability to capitalize on them.””
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 3 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 66% of the time over the next year (vs 56% for the rest of the cohort, n=7714).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“Growing our deposit franchise alongside our lending business remains an important priority as we execute our relationship-focused strategy.”
“ Highlights for the Second Quarter of 2026 [TABLE] ● | Operating earnings 1 of $16.3 million, or $0.96 per diluted common share [/TABLE] [TABLE] ● | Net organic loan and lease growth of $165 milli…”
We remain committed to disciplined pricing, credit quality and expense management as we work to translate continued growth into sustainable returns for our shareholders.
Stated in 2 of 3 supplied quarters. Management reported: “During the quarter, we generated approximately 15% annualized loan growth and expanded our net interest margin to 3.52%, while maintaining excellent asset quality.” “We also generated positive operating leverage as revenue growth outpaced expense growth during the quarter.”
“We remain committed to disciplined pricing, credit quality and expense management as we work to translate continued growth into sustainable returns for our shareholders.”
“We also generated positive operating leverage as revenue growth outpaced expense growth during the quarter.”
SmartFinancial's Chairman, Miller Welborn, concluded: “The Board remains committed to delivering sustainable returns for our shareholders while building a Company where our associates can grow and…
Stated in 2 of 3 supplied quarters. Management reported: “Diluted earnings per share increased to $0.96, an improvement of $0.15 from the first quarter, and tangible book value per common share grew quarter over quarter by 13% annualized.” “ SmartFinancial's Chairman, Miller Welborn, concluded: “The Board remains committed to delivering sustainable returns for our shareholders while building a Company where our associates can grow and thrive.”
“ SmartFinancial's Chairman, Miller Welborn, concluded: “The Board remains committed to delivering sustainable returns for our shareholders while building a Company where our associates can grow and…”
“Diluted earnings per share increased to $0.96, an improvement of $0.15 from the first quarter, and tangible book value per common share grew quarter over quarter by 13% annualized.”
Recruiting the best people, delivering exceptional client service, strategic branching, and a disciplined approach to lending have all contributed to the company’s success.
Stated in a supplied disclosure. Management reported: “Exhibit 99.1 2Q 2026 SmartFinancial Announces Results for the Second Quarter 2026 Regular Quarterly Cash Dividend KNOXVILLE, TN – July 20, 2026 – SmartFinancial, Inc. ("SmartFinancial" or the "Company"; NYSE: SMBK), today announced net income of $16.3 million, or $0.96 per diluted common share, for the second quarter of 2026, compared to net income of $11.7 million, or $0.69 per diluted common share, for the second quarter of 2025, and compared to prior quarter net income of $13.7 million, or $0.81 per diluted common share.” “Recruiting the best people, delivering exceptional client service, strategic branching, and a disciplined approach to lending have all contributed to the company’s success.”
Sustain earnings per share as the company pursues growth and disciplined operating execution.
Over the trailing year it converted 1.22x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 57% for the rest of the cohort, n=9158).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, long-term interest rates, real (inflation-adjusted) rates, Fed net liquidity (low R² over the window).
18 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated volatile grew net income 58% of the time over the next year (vs 59% for the rest of the cohort, n=7346).
Not investment advice. As of 2026-11-05.