SMARTFINANCIAL INC.
SMBK · National Commercial Banks · 17.1M shares · +3%/yr ↑ shares · EDGAR filings ↗
Net buyback after stock comp: $2M (gross $3M, SBC $1M)
Reference price $45.00 · est. market cap ~$769M — last insider sale, 2026-06-12 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
C64SmartFinancial — Southeastern bank with thin disclosed metrics.
Strengths
- Solid cash position (74th pct); growing franchise
Risks
- Sparse current-year return metrics
- Regional concentration; rate sensitivity
Notable findings
Key metrics
Return on equity
9.1%
Return on assets
0.9%
Net-income growth
39.3%
Free cash flow
$59M
Tangible book value
$457M
Cash & investments
$464M
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-06-12 | Jordan Rhett D. | Sell | 400 | $45.00 |
| 2026-06-10 | Barrett Victor Lynn | Buy | 3.0K | $43.78 |
| 2026-06-04 | Ackermann Cathy G | Buy | 3.0K | $42.12 |
| 2026-05-19 | Wolpert Geoffrey Alan | Gift | 31K | — |
| 2026-05-19 | Wolpert Geoffrey Alan | Gift | 31K | — |
| 2026-05-18 | Wolpert Geoffrey Alan | Gift | 25K | — |
| 2026-05-04 | Shomaker Kelli D | Buy | 290 | $41.30 |
| 2026-05-01 | Wolpert Geoffrey Alan | Gift | 24K | — |
| 2026-05-01 | Wolpert Geoffrey Alan | Gift | 24K | — |
| 2026-04-24 | Jordan Rhett D. | Sell | 500 | $41.85 |
| 2026-03-10 | Cain Cynthia A | Grant | 2.1K | — |
| 2026-03-10 | Trumpp Jarrod M | Grant | 990 | — |
| 2026-03-10 | Schrodt Martin E | Grant | 2.0K | — |
| 2026-03-10 | Boyd Rebecca C | Grant | 1.9K | — |
| 2026-03-10 | Jordan Rhett D. | Grant | 3.4K | — |
| 2026-03-10 | Carroll William Young Jr. | Grant | 9.4K | — |
| 2026-03-10 | Gorczynski Ronald J | Grant | 3.8K | — |
| 2026-03-10 | Welborn Wesley Miller | Grant | 3.5K | — |
| 2026-02-09 | Welborn Wesley Miller | Buy | 835 | $43.13 |
| 2026-01-29 | Shomaker Kelli D | Grant | 808 | — |
| 2026-01-29 | Ackermann Cathy G | Grant | 808 | — |
| 2026-01-29 | Tucker Steven B. | Grant | 808 | — |
| 2026-01-29 | Ogle David Austin | Grant | 808 | — |
| 2026-01-29 | Wolpert Geoffrey Alan | Grant | 808 | — |
| 2026-01-29 | Whaley Keith Edward | Grant | 808 | — |
| 2026-01-29 | Barrett Victor Lynn | Grant | 808 | — |
| 2026-01-27 | Shomaker Kelli D | Buy | 255 | $39.38 |
| 2026-01-01 | Welborn Wesley Miller | Tax withheld | 1.3K | $36.99 |
| 2026-01-01 | Boyd Rebecca C | Tax withheld | 445 | $36.99 |
| 2026-01-01 | Cain Cynthia A | Tax withheld | 445 | $36.99 |
| 2026-01-01 | Jordan Rhett D. | Tax withheld | 816 | $36.99 |
| 2026-01-01 | Carroll William Young Jr. | Tax withheld | 1.8K | $36.99 |
| 2026-01-01 | Gorczynski Ronald J | Tax withheld | 842 | $36.99 |
| 2025-12-10 | Tucker Steven B. | Sell | 11K | $38.01 |
| 2025-11-18 | Jordan Rhett D. | Sell | 250 | $35.00 |
| 2025-07-24 | Trumpp Jarrod M | Grant | 2.0K | — |
| 2025-07-24 | Shomaker Kelli D | Grant | 767 | — |
| 2025-03-14 | Carroll William Young Jr. | Tax withheld | 471 | $31.68 |
| 2025-02-03 | Welborn Wesley Miller | Buy | 1.2K | $34.75 |
| 2025-01-29 | Carroll William Young Jr. | Grant | 3.4K | — |
| 2025-01-29 | Carroll William Young Jr. | Grant | 10K | — |
| 2025-01-29 | Welborn Wesley Miller | Grant | 1.3K | — |
| 2025-01-29 | Welborn Wesley Miller | Grant | 5.0K | — |
| 2025-01-29 | Boyd Rebecca C | Grant | 677 | — |
| 2025-01-29 | Boyd Rebecca C | Grant | 2.5K | — |
| 2025-01-29 | Schrodt Martin E | Grant | 707 | — |
| 2025-01-29 | Schrodt Martin E | Grant | 2.5K | — |
| 2025-01-29 | Jordan Rhett D. | Grant | 1.2K | — |
| 2025-01-29 | Cain Cynthia A | Grant | 761 | — |
| 2025-01-29 | Cain Cynthia A | Grant | 2.5K | — |
| 2025-01-29 | Gorczynski Ronald J | Grant | 1.2K | — |
| 2025-01-29 | Gorczynski Ronald J | Grant | 5.0K | — |
| 2025-01-27 | Jordan Rhett D. | Sell | 350 | $35.76 |
| 2025-01-16 | Ogle David Austin | Grant | 1.0K | — |
| 2025-01-16 | Wolpert Geoffrey Alan | Grant | 1.0K | — |
| 2025-01-16 | Whaley Keith Edward | Grant | 1.0K | — |
| 2025-01-16 | Tucker Steven B. | Grant | 1.0K | — |
| 2025-01-16 | Miller Ted Charles | Grant | 1.0K | — |
| 2025-01-16 | Barrett Victor Lynn | Grant | 1.0K | — |
| 2025-01-16 | Ackermann Cathy G | Grant | 1.0K | — |
| 2025-01-01 | Carroll William Young Jr. | Tax withheld | 1.8K | $30.98 |
| 2025-01-01 | Petty Gary Wayne Jr | Tax withheld | 526 | $30.98 |
| 2025-01-01 | Jordan Rhett D. | Tax withheld | 816 | $30.98 |
| 2025-01-01 | Gorczynski Ronald J | Tax withheld | 850 | $30.98 |
All non-derivative Form 4 activity (SEC), newest first.
Supply chain
Customers (0)
Suppliers (1)
Named in the 10-K; linked when we track them.
Notable events (8-K)
| Date | Items | |
|---|---|---|
| 2026-05-22 | Shareholder vote | filing ↗ |
| 2026-04-30 | Reg FDExhibits | filing ↗ |
| 2026-04-20 | ResultsReg FDExhibits | filing ↗ |
| 2026-03-31 | Exec/director changeReg FDExhibits | filing ↗ |
| 2026-01-30 | Reg FDExhibits | filing ↗ |
| 2026-01-20 | ResultsReg FDExhibits | filing ↗ |
| 2026-01-05 | OtherExhibits | filing ↗ |
| 2025-11-03 | Reg FDExhibits | filing ↗ |
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-05-22 | 2026-05-21 | 0001104659-26-065799 ↗ |
| 10-Q | 2026-05-11 | 2026-03-31 | 0001104659-26-058728 ↗ |
| 8-K | 2026-04-30 | 2026-04-30 | 0001104659-26-053112 ↗ |
| 8-K | 2026-04-20 | 2026-04-20 | 0001104659-26-045196 ↗ |
| 8-K | 2026-03-31 | 2026-03-31 | 0001104659-26-037409 ↗ |
| 10-K | 2026-03-16 | 2025-12-31 | 0001104659-26-028542 ↗ |
| 8-K | 2026-01-30 | 2026-01-30 | 0001104659-26-008699 ↗ |
| 8-K | 2026-01-20 | 2026-01-20 | 0001104659-26-005116 ↗ |
| 8-K | 2026-01-05 | 2026-01-05 | 0001104659-26-000697 ↗ |
| 10-Q | 2025-11-07 | 2025-09-30 | 0001104659-25-108550 ↗ |
| 8-K | 2025-11-03 | 2025-10-31 | 0001104659-25-105643 ↗ |
| 8-K | 2025-10-21 | 2025-10-21 | 0001104659-25-101293 ↗ |