SmartFinancial, Inc.
SMBKFinancial ServicesNASDAQBanks - Regional · Last scanned Jun 3, 2026
Scan Results
Daily timeframeSmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers in the United States. The company carries a $712.0M market cap, placing it firmly in the small-cap category. The company offers various deposits, including noninterest-bearing and interest-bearing checking, savings, money market, and individual retirement accounts, as well as certificates of deposit.
Market Cap
$712.0M
Beta
0.73
P/E (TTM)
13.35
P/E (Fwd)
9.91
EPS (TTM)
$3.12
EPS (Fwd)
$4.20
ROE
9.9%
ROA
0.9%
Cash
$357.6M
Total Debt
$124.8M
Free CF
—
52W Change
32.2%
Annual Financials
Cash vs Debt
SmartFinancial, Inc. holds $357.6M in cash against $124.8M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. ROE of 9.9% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 0.9% is on the lower side, which is common in asset-heavy industries. Revenue has been uneven over recent years, ranging from $165.2M to $196.5M.
With cash comfortably exceeding debt, SMBK has financial flexibility that may help navigate uncertain periods. No single metric tells the full story. Reviewing SMBK's risk profile alongside its fundamentals and technical indicators provides a more complete picture.