# Smartfinancial Inc.: overview

SMBK · NYSE · CIK 1038773 · [Financials](/sectors/financials.md) · fiscal year ends Dec 31

Pages: [Overview](/companies/smbk.md) · [Financials](/companies/smbk/financials.md) · [Filings](/companies/smbk/filings.md) · [Insiders](/companies/smbk/insiders.md)

Revenue is not reported in this company’s XBRL financial statements.

## Last eight quarters

| Line item | Unit | Q3 FY2024 (2024-09-30) | Q4 FY2024 (2024-12-31) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | Q4 FY2025 (2025-12-31) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Revenue | $m | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Gross margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Operating margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Net margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Diluted EPS | $ per share | [0.54](/filings/0001104659-25-108550.md) | not reported | [0.67](/filings/0001104659-26-058728.md) | [0.69](/filings/0001104659-26-093447.md) | [0.81](/filings/0001104659-25-108550.md) | not reported | [0.81](/filings/0001104659-26-058728.md) | [0.96](/filings/0001104659-26-093447.md) |
| Free cash flow | $m | [11.3 d](/filings/0001104659-25-108550.md) | [15.4 d](/filings/0001104659-26-028542.md) | [13.4](/filings/0001104659-26-058728.md) | [13.2 d](/filings/0001104659-26-093447.md) | [16.6 d](/filings/0001104659-25-108550.md) | [16.2 d](/filings/0001104659-26-028542.md) | [10.2](/filings/0001104659-26-058728.md) | [22.5 d](/filings/0001104659-26-093447.md) |

- Revenue. XBRL not reported.
- Gross margin (gross profit / revenue). XBRL not reported.
- Operating margin (operating income / revenue). XBRL not reported.
- Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss; Net income: us-gaap:ProfitLoss. Derived values: 12-month figure less the 9-month figure.
- Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted.
- Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquirePropertyPlantAndEquipment. Derived values: 9-month figure less the 6-month figure; 12-month figure less the 9-month figure; 6-month figure less the 3-month figure.

## Last five fiscal years

| Line item | Unit | FY2021 (2021-12-31) | FY2022 (2022-12-31) | FY2023 (2023-12-31) | FY2024 (2024-12-31) | FY2025 (2025-12-31) |
| --- | --- | ---: | ---: | ---: | ---: | ---: |
| Revenue | $m | not reported | not reported | not reported | not reported | not reported |
| Gross margin | % | not reported | not reported | not reported | not reported | not reported |
| Operating margin | % | not reported | not reported | not reported | not reported | not reported |
| Net margin | % | not reported | not reported | not reported | not reported | not reported |
| Diluted EPS | $ per share | [2.22](/filings/0001558370-24-003429.md) | [2.55](/filings/0001558370-25-003135.md) | [1.69](/filings/0001104659-26-028542.md) | [2.14](/filings/0001104659-26-028542.md) | [2.98](/filings/0001104659-26-028542.md) |
| Free cash flow | $m | [43.8](/filings/0001558370-24-003429.md) | [44.3](/filings/0001558370-25-003135.md) | [33.4](/filings/0001104659-26-028542.md) | [46.3](/filings/0001104659-26-028542.md) | [59.3](/filings/0001104659-26-028542.md) |

- Revenue. XBRL not reported.
- Gross margin (gross profit / revenue). XBRL not reported.
- Operating margin (operating income / revenue). XBRL not reported.
- Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss; Net income: us-gaap:ProfitLoss.
- Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted.
- Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquirePropertyPlantAndEquipment.

Each value links to the filing it came from. d marks a derived value. A ratio is not reported when any input is missing.

## Insider purchases and sales

The last 20 open-market transactions on Form 4 (codes P and S). Reported price is as stated on the form, not a market price. [All insider transactions](/companies/smbk/insiders.md)

| Date | Insider | Role | Transaction | Shares | Reported price | Value | Filing |
| --- | --- | --- | --- | ---: | ---: | ---: | --- |
| 2026-10-26 | [Jordan Rhett D.](/insiders/1652739.md) | EVP & CHIEF CREDIT OFFICER, Officer | Sale (S) | 200 | $49.80 | $10.0k | [Form 4](/filings/0001652739-26-000014.md) |
| 2026-10-23 | [Tucker Steven B.](/insiders/1721614.md) | Director | Sale (S) | 3,500 | $49.50 | $173.3k | [Form 4](/filings/0001721614-26-000004.md) |

## Funds that report holding it

From each manager’s latest Form 13F, largest reported value first. Reported value is as filed: filing data, not a price. [All funds](/funds.md)

| Fund | Quarter ended | Reported value | Shares | Put or call | Change on the quarter before |
| --- | --- | ---: | ---: | --- | --- |
| [BlackRock, Inc.](/funds/2012383.md) | 2026-06-30 | $68.9m | 1,468,195 |  | Added +183,638 |
| [DIMENSIONAL FUND ADVISORS LP](/funds/354204.md) | 2026-06-30 | $39.2m | 836,086 |  | Reduced −302 |
| [VANGUARD CAPITAL MANAGEMENT LLC](/funds/2100119.md) | 2026-06-30 | $31.9m | 679,819 |  | Reduced −598 |
| [WELLINGTON MANAGEMENT GROUP LLP](/funds/902219.md) | 2026-06-30 | $27.9m | 594,386 |  | Reduced −80,961 |
| [STATE STREET CORP](/funds/93751.md) | 2026-06-30 | $21.4m | 457,060 |  | Added +16,528 |
| [AMERICAN CENTURY COMPANIES INC](/funds/748054.md) | 2026-06-30 | $21.1m | 448,667 |  | Added +76,854 |
| [Private Capital Management, LLC](/funds/1588456.md) | 2026-06-30 | $20.3m | 432,512 |  | Added +4,365 |
| [GEODE CAPITAL MANAGEMENT, LLC](/funds/1214717.md) | 2026-06-30 | $17.9m | 381,419 |  | Added +26,058 |
| [First Eagle Investment Management, LLC](/funds/1325447.md) | 2026-06-30 | $15.0m | 319,339 |  | Added +95,300 |
| [First Eagle Investment Management, LLC](/funds/1325447.md) | 2026-06-30 | $15.0m | 319,339 |  | Added +95,300 |

## Recent filings

[All 977 filings](/companies/smbk/filings.md)

| Filed | Accepted | Form | What it is | Accession |
| --- | --- | --- | --- | --- |
| 2026-10-30 | 17:00 ET | [8-K](/filings/0001104659-26-120718.md) | 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0001104659-26-120718 |
| 2026-10-19 | 17:00 ET | [8-K](/filings/0001104659-26-116936.md) | 2.02 Results of operations; 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0001104659-26-116936 |
| 2026-08-10 | 17:01 ET | [10-Q](/filings/0001104659-26-093447.md) | Quarterly report, period 2026-06-30 | 0001104659-26-093447 |
| 2026-07-20 | 17:00 ET | [8-K](/filings/0001104659-26-085102.md) | 2.02 Results of operations; 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0001104659-26-085102 |
| 2026-05-22 | 17:00 ET | [8-K](/filings/0001104659-26-065799.md) | 5.07 Shareholder vote results | 0001104659-26-065799 |
| 2026-05-11 | 17:01 ET | [10-Q](/filings/0001104659-26-058728.md) | Quarterly report, period 2026-03-31 | 0001104659-26-058728 |
| 2026-04-30 | 17:00 ET | [8-K](/filings/0001104659-26-053112.md) | 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0001104659-26-053112 |
| 2026-04-20 | 07:05 ET | [8-K](/filings/0001104659-26-045196.md) | 2.02 Results of operations; 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0001104659-26-045196 |
| 2026-04-07 | 16:45 ET | [DEF 14A](/filings/0001104659-26-040440.md) | Proxy statement, period 2026-05-21 | 0001104659-26-040440 |
| 2026-03-31 | 08:45 ET | [8-K](/filings/0001104659-26-037409.md) | 5.02 Departure or appointment of officers or directors; 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0001104659-26-037409 |

## Latest annual report

[Form 10-K for the fiscal year ended Dec 31, 2025](/filings/0001104659-26-028542.md), filed Mar 16, 2026.

## Forecast league

Not in this season’s league. [This season’s league](/leagues.md)

## About the filer

- CIK: 1038773
- Tickers: SMBK
- Exchange: NYSE
- SIC code: 6021 National Commercial Banks
- State of incorporation: TN
- Filer category: Accelerated filer

Source: SEC EDGAR, XBRL company facts, the filing index and Forms 4. Last ingested by Listed: Oct 30, 2026, 17:10 ET. No prices; not investment advice.