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SmartFinancial

SMBK
72
Banks - Regional · Financial Services
Exchange
New York Stock Exchange
Winston Score
72
Winston is happy
A high-quality business with solid fundamentals.
Data as of Aug 23, 2026 · filings through Jun 30, 2026
How the score breaks down
Growth
Exceptional
Valuation
Good
Dividends
Mixed
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Winston Score History

The full picture

SmartFinancial, Inc. is a regional bank holding company based in the southeastern United States. It operates through its subsidiary, SmartBank, which offers everyday banking services like checking and savings accounts, loans, and mortgages to individuals and small-to-medium-sized businesses. The bank focuses on growing communities across Tennessee, Alabama, and Florida.

SmartFinancial makes money primarily through net interest income — the difference between what it earns on loans and what it pays on deposits — along with fees from banking services. With a market cap of around $800 million, it is a smaller community-focused bank competing against both large national banks and other regional players. Its competitive edge comes from local relationships and personalized service in markets that bigger banks sometimes overlook. The main risk the company faces is interest rate sensitivity, since changes in rates directly affect its profit margins, and any slowdown in loan growth across its southeastern markets could pressure earnings.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+9.7% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+38.6% YoY

YoY Growth Rate

Strong earnings growth

Insider Activity

11.8%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$5.7B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

SmartFinancial is growing revenue at 10% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Not applicable for this business.

Growth

Sales growth
Sales YoY
+9.8%
Steady sales growth (+9.8% YoY)
Profit growth
EPS YoY
+37.3%
Earnings growing fast (+37.3% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is
EPS Consistency
8/8 quarters
Every recent quarter grew earnings vs last year

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit
P/E Ratio (TTM)
14.9x
no trend
Attractive valuation — P/E 14.9

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
+0.8
GROWING
Earnings roughly flat

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Dividends

Dividend
Dividend Yield
0.64%
no trend
Small dividend — 0.64% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record
Dividend Growth
+6.3%
no trend
Dividend growing modestly (6.3% YoY)

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