SmartFinancial Net Income
| SMBK Stock | USD 41.47 0.01 0.02% |
As of the 13th of February 2026, SmartFinancial has the Coefficient Of Variation of 631.97, risk adjusted performance of 0.1334, and Semi Deviation of 1.26. In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of SmartFinancial, as well as the relationship between them.
SmartFinancial Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 4.1425 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 32.5 M | 26.9 M | |
| Net Income From Continuing Ops | 41.6 M | 22.6 M | |
| Net Income Applicable To Common Shares | 49.5 M | 51.9 M | |
| Net Income Per Share | 3.00 | 2.85 | |
| Net Income Per E B T | 0.82 | 0.57 |
SmartFinancial | Net Income | Build AI portfolio with SmartFinancial Stock |
Historical Net Income data for SmartFinancial serves as a key indicator of operational performance and financial stability. Tracking changes in this metric over time helps investors spot emerging trends before they become obvious, providing an edge in assessing whether SmartFinancial represents a compelling investment opportunity.
Latest SmartFinancial's Net Income Growth Pattern
Below is the plot of the Net Income of SmartFinancial over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in SmartFinancial financial statement analysis. It represents the amount of money remaining after all of SmartFinancial operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is SmartFinancial's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in SmartFinancial's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 36.14 M | 10 Years Trend |
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Net Income |
| Timeline |
SmartFinancial Net Income Regression Statistics
| Arithmetic Mean | 51,596,830 | |
| Geometric Mean | 12,158,916 | |
| Coefficient Of Variation | 260.64 | |
| Mean Deviation | 60,942,961 | |
| Median | 24,332,000 | |
| Standard Deviation | 134,481,576 | |
| Sample Variance | 18085.3T | |
| Range | 568.6M | |
| R-Value | (0.31) | |
| Mean Square Error | 17483T | |
| R-Squared | 0.09 | |
| Significance | 0.23 | |
| Slope | (8,152,860) | |
| Total Sum of Squares | 289364.7T |
SmartFinancial Net Income History
Other Fundumenentals of SmartFinancial
| Net Income From Continuing Ops | ||
| Net Income Applicable To Common Shares | ||
| Net Income Per Share | ||
| Net Income Per E B T |
SmartFinancial Net Income component correlations
SmartFinancial Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for SmartFinancial is extremely important. It helps to project a fair market value of SmartFinancial Stock properly, considering its historical fundamentals such as Net Income. Since SmartFinancial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of SmartFinancial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of SmartFinancial's interrelated accounts and indicators.
Click cells to compare fundamentals
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of SmartFinancial. If investors know SmartFinancial will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive SmartFinancial assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth 0.42 | Dividend Share 0.32 | Earnings Share 2.98 | Revenue Per Share | Quarterly Revenue Growth 0.101 |
SmartFinancial's market price often diverges from its book value, the accounting figure shown on SmartFinancial's balance sheet. Smart investors calculate SmartFinancial's intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Since SmartFinancial's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
Please note, there is a significant difference between SmartFinancial's value and its price as these two are different measures arrived at by different means. Investors typically determine if SmartFinancial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, SmartFinancial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
SmartFinancial 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to SmartFinancial's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of SmartFinancial.
| 11/15/2025 |
| 02/13/2026 |
If you would invest 0.00 in SmartFinancial on November 15, 2025 and sell it all today you would earn a total of 0.00 from holding SmartFinancial or generate 0.0% return on investment in SmartFinancial over 90 days. SmartFinancial is related to or competes with First Community, South Plains, Bridgewater Bancshares, Southern California, Southern Missouri, First Financial, and Independent Bank. SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to indi... More
SmartFinancial Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure SmartFinancial's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess SmartFinancial upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.47 | |||
| Information Ratio | 0.1079 | |||
| Maximum Drawdown | 8.85 | |||
| Value At Risk | (1.44) | |||
| Potential Upside | 2.98 |
SmartFinancial Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for SmartFinancial's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as SmartFinancial's standard deviation. In reality, there are many statistical measures that can use SmartFinancial historical prices to predict the future SmartFinancial's volatility.| Risk Adjusted Performance | 0.1334 | |||
| Jensen Alpha | 0.1837 | |||
| Total Risk Alpha | 0.1041 | |||
| Sortino Ratio | 0.1177 | |||
| Treynor Ratio | 0.2866 |
SmartFinancial February 13, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.1334 | |||
| Market Risk Adjusted Performance | 0.2966 | |||
| Mean Deviation | 1.14 | |||
| Semi Deviation | 1.26 | |||
| Downside Deviation | 1.47 | |||
| Coefficient Of Variation | 631.97 | |||
| Standard Deviation | 1.6 | |||
| Variance | 2.57 | |||
| Information Ratio | 0.1079 | |||
| Jensen Alpha | 0.1837 | |||
| Total Risk Alpha | 0.1041 | |||
| Sortino Ratio | 0.1177 | |||
| Treynor Ratio | 0.2866 | |||
| Maximum Drawdown | 8.85 | |||
| Value At Risk | (1.44) | |||
| Potential Upside | 2.98 | |||
| Downside Variance | 2.16 | |||
| Semi Variance | 1.59 | |||
| Expected Short fall | (1.35) | |||
| Skewness | (0.06) | |||
| Kurtosis | 2.4 |
SmartFinancial Backtested Returns
SmartFinancial appears to be very steady, given 3 months investment horizon. SmartFinancial owns Efficiency Ratio (i.e., Sharpe Ratio) of 0.2, which indicates the firm had a 0.2 % return per unit of risk over the last 3 months. We have found twenty-eight technical indicators for SmartFinancial, which you can use to evaluate the volatility of the company. Please review SmartFinancial's Coefficient Of Variation of 631.97, semi deviation of 1.26, and Risk Adjusted Performance of 0.1334 to confirm if our risk estimates are consistent with your expectations. On a scale of 0 to 100, SmartFinancial holds a performance score of 15. The entity has a beta of 0.85, which indicates possible diversification benefits within a given portfolio. SmartFinancial returns are very sensitive to returns on the market. As the market goes up or down, SmartFinancial is expected to follow. Please check SmartFinancial's information ratio, downside variance, day median price, as well as the relationship between the treynor ratio and kurtosis , to make a quick decision on whether SmartFinancial's existing price patterns will revert.
Auto-correlation | 0.64 |
Good predictability
SmartFinancial has good predictability. Overlapping area represents the amount of predictability between SmartFinancial time series from 15th of November 2025 to 30th of December 2025 and 30th of December 2025 to 13th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of SmartFinancial price movement. The serial correlation of 0.64 indicates that roughly 64.0% of current SmartFinancial price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.64 | |
| Spearman Rank Test | 0.73 | |
| Residual Average | 0.0 | |
| Price Variance | 4.09 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
SmartFinancial Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, SmartFinancial reported net income of 36.14 M. This is 97.17% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 93.67% higher than that of the company.
SmartFinancial Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses SmartFinancial's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of SmartFinancial could also be used in its relative valuation, which is a method of valuing SmartFinancial by comparing valuation metrics of similar companies.SmartFinancial is currently under evaluation in net income category among its peers.
SmartFinancial ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, SmartFinancial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to SmartFinancial's managers, analysts, and investors.Environmental | Governance | Social |
SmartFinancial Institutional Holders
Institutional Holdings refers to the ownership stake in SmartFinancial that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of SmartFinancial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing SmartFinancial's value.| Shares | Banc Funds Co Llc | 2025-06-30 | 200.6 K | Alliancebernstein L.p. | 2025-06-30 | 183.9 K | Foundry Partners, Llc | 2025-03-31 | 183.2 K | Csm Advisors, Llc | 2025-06-30 | 177.6 K | Hillsdale Investment Management Inc. | 2025-06-30 | 160.2 K | Stieven Capital Advisors, L.p. | 2025-06-30 | 147.8 K | Northern Trust Corp | 2025-06-30 | 141.4 K | Deprince Race & Zollo Inc | 2025-06-30 | 129.3 K | Bridgeway Capital Management, Llc | 2025-06-30 | 127.5 K | Blackrock Inc | 2025-06-30 | 1.3 M | Dimensional Fund Advisors, Inc. | 2025-06-30 | 820.8 K |
SmartFinancial Fundamentals
| Return On Equity | 0.0965 | ||||
| Return On Asset | 0.009 | ||||
| Profit Margin | 0.26 % | ||||
| Operating Margin | 0.39 % | ||||
| Current Valuation | 349.7 M | ||||
| Shares Outstanding | 17.03 M | ||||
| Shares Owned By Insiders | 11.65 % | ||||
| Shares Owned By Institutions | 59.70 % | ||||
| Number Of Shares Shorted | 130.94 K | ||||
| Price To Earning | 14.49 X | ||||
| Price To Book | 1.29 X | ||||
| Price To Sales | 3.70 X | ||||
| Revenue | 316.37 M | ||||
| Gross Profit | 192.71 M | ||||
| EBITDA | 69.93 M | ||||
| Net Income | 36.14 M | ||||
| Cash And Equivalents | 543.03 M | ||||
| Cash Per Share | 32.42 X | ||||
| Total Debt | 102.09 M | ||||
| Debt To Equity | 9.22 % | ||||
| Book Value Per Share | 32.44 X | ||||
| Cash Flow From Operations | 52.7 M | ||||
| Short Ratio | 1.16 X | ||||
| Earnings Per Share | 2.98 X | ||||
| Target Price | 44.1 | ||||
| Number Of Employees | 597 | ||||
| Beta | 0.77 | ||||
| Market Capitalization | 712.34 M | ||||
| Total Asset | 5.74 B | ||||
| Retained Earnings | 203.82 M | ||||
| Annual Yield | 0.01 % | ||||
| Net Asset | 5.74 B | ||||
| Last Dividend Paid | 0.32 |
About SmartFinancial Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze SmartFinancial's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of SmartFinancial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of SmartFinancial based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of SmartFinancial. If investors know SmartFinancial will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive SmartFinancial assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth 0.42 | Dividend Share 0.32 | Earnings Share 2.98 | Revenue Per Share | Quarterly Revenue Growth 0.101 |
SmartFinancial's market price often diverges from its book value, the accounting figure shown on SmartFinancial's balance sheet. Smart investors calculate SmartFinancial's intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Since SmartFinancial's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
Please note, there is a significant difference between SmartFinancial's value and its price as these two are different measures arrived at by different means. Investors typically determine if SmartFinancial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, SmartFinancial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.