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SmartFinancial

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uuid000tq7l

Namestring
SmartFinancial
Legal namestring
SmartFinancial, Inc.
Websiteurl
smartfinancialinc.com
Company typeenum
Public
Founded yearint
2007
Descriptiontext

SmartFinancial, Inc. is a Knoxville, Tennessee-based financial holding company (NYSE: SMBK) that operates through its primary subsidiary SmartBank, a full-service commercial bank serving consumers and small-to-medium businesses across the Southeast. Founded in 2007, the company has grown to $5.91 billion in total assets as of March 31, 2026, operating 42 branches and two loan production offices across Tennessee, Alabama, Florida, and Georgia. The company's product set spans personal banking (checking, savings, mortgages, personal loans, credit cards), business banking (business checking and savings, business loans, SBA loans, treasury management), and specialty construction equipment financing acquired through Fountain Leasing, LLC in 2021.

SmartFinancial generates revenue primarily through net interest income on its loan portfolio and deposit-related fees, with pricing structured around individually negotiated commercial and consumer relationships rather than published rate sheets. Distribution combines a physical 42-branch regional network with digital and e-banking platforms, supported by division presidents overseeing Tennessee, Alabama, and Florida/South Alabama markets. Strategic positioning emphasizes relationship-driven banking under the 'SmartBank Way' culture, with FORTUNE 2025 Top 100 Best Workplaces recognition as a brand differentiator.

The company has pursued a dual-track growth model combining organic balance sheet expansion with selective M&A — acquiring Capstone Bancshares (2017), Foothills Bancorp, Sevier County Bank (2021), and Fountain Leasing (2021) — alongside prudent capital return through a quarterly dividend (raised 12.5% in April 2026) and a $10 million share repurchase program authorized in January 2026. Governance is anchored by an experienced regional banking leadership team, with the CEO holding a seat on the Federal Reserve Bank of Atlanta board and chairing the Tennessee Bankers Association.

Short descriptiontext

SmartFinancial, Inc. is a Knoxville-based bank holding company operating SmartBank, a $5.91 billion-asset regional commercial bank with 42 branches across Tennessee, Alabama, Florida, and Georgia serving SMB and consumer customers with traditional banking and specialty construction equipment lending.

Operating statusenum
Operating
Ownership categoryenum
Headcount rangeband
501–1,000
akta.pro rankint
HeadquartersKnoxville, United States
HQ citystring
Knoxville
HQ countrystring
United States
HQ regionstring
North America
Markets served

Serves global market

Offices2 records

Each record includes

City, Country, Type, Description, Source

Keyword5 values
commercial banking services, consumer banking products, treasury management solutions, SBA small business loans, specialty construction lending
Industry1 code
1Affluent / Mass-Affluent Private Banking
CodeFSABADACPrimaryNo
NAICS code1 code
  • Commercial Banking52211
SIC code1 code
  • State Commercial Banks6022
Product category
Regional Commercial Banking
Social media profiles3 records
Marketing channels1 record

Each record includes

Title, Type, Stage, Description, Source

Distribution channels2 records

Each record includes

Title, Type, Scope, Target buyer, Description, Source

Cost components5 values
Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
GTM typeB2B and B2C
B2B and B2C
Offering typeServices
Services
Core offering1 text field

SmartFinancial is a bank holding company that operates through its subsidiary SmartBank to deliver relationship-driven commercial and consumer banking services. Its offering includes personal and business checking and savings accounts, mortgages, personal and business loans, credit cards, SBA-backed loans, treasury management, and specialty construction equipment financing to small and medium businesses across Tennessee, Alabama, Florida, and Georgia.

Differentiator
Functional benefit
Problem solved
Product overview1 text field

SmartFinancial, Inc. is a financial holding company (NYSE: SMBK) headquartered in Knoxville, Tennessee, with assets exceeding $5.5 billion. The company operates through its primary banking subsidiary SmartBank, which offers a comprehensive suite of banking products including personal checking, personal savings, personal mortgages, personal loans, credit cards, business checking, business savings, business loans, treasury management, and SBA loans. SmartBank operates 42 branches and two loan production offices across Tennessee, Alabama, Florida, and Georgia. The company also offers digital banking and e-banking services. Through its Fountain Leasing acquisition, SmartBank has developed specialty lending capabilities focused on construction equipment financing for small and medium businesses in the Southeast. The company follows a 'SmartBank Way' approach emphasizing relationship-driven banking solutions and prudent capital deployment with organic market growth and strategic acquisitions.

Product and service13 records
1SmartBank Personal Checking
CategoryPersonal Banking
Description

Personal checking accounts offering everyday banking services for individual consumers.

2SmartBank Personal Savings
CategoryPersonal Banking
Description

Personal savings accounts for individual consumers to deposit and grow their money.

3SmartBank Personal Mortgages
CategoryPersonal Lending
Description

Mortgage lending products for individuals purchasing or refinancing residential properties.

4SmartBank Personal Loans
CategoryPersonal Lending
Description

Personal loan products for individual consumers including various lending solutions.

5SmartBank Credit Cards
CategoryConsumer and Commercial Credit
Description

Credit card products for both personal and business customers.

6SmartBank Business Checking
CategoryBusiness Banking
Description

Business checking accounts designed for commercial businesses with various features and services.

7SmartBank Business Savings
CategoryBusiness Banking
Description

Business savings accounts for commercial businesses to deposit and grow funds.

8SmartBank Business Loans
CategoryCommercial Lending
Description

Commercial lending products including various business financing solutions.

9SmartBank Treasury Management
CategoryBusiness Banking
Description

Cash management and treasury services for business customers including liquidity management and payment solutions.

10SmartBank SBA Loans
CategoryCommercial Lending
Description

SBA-backed loans supporting small business growth and expansion.

11SmartBank Digital Banking
CategoryDigital Banking
Description

Online and mobile banking platform for customers to access accounts, make transactions, and manage finances digitally.

12SmartBank E-Banking
CategoryDigital Banking
Description

Electronic banking services for customers to conduct financial transactions online.

13SmartBank Construction Equipment Financing
CategorySpecialty Lending
Description

Specialty lending platform focusing on construction equipment financing for small and medium businesses in the Southeast.

Scale indicator8 records

Each record includes

Type, Value, Description, Source

Recent move7 records

Each record includes

Date, Type, Title, Description, Source

Expansion highlight5 records

Each record includes

Type, Description

Market position
Strengths5 records

Each record includes

Headline, Details, Source

Weaknesses5 records

Each record includes

Headline, Details, Source

Competitive moat4 records

Each record includes

Type, Details

Key highlights7 records

Each record includes

Headline, Details, Source

Customer concentration

Classification, Details

Segment2 records

Each record includes

Title, Type, Primary, Description, Pain point addressed, Use case, Source

Ideal customer profile2 records

Each record includes

Profile, Firmographic size, Sales motion, Sales cycle length, Buying structure, Purchase trigger, Buyer persona, Geography, Industry vertical, Primary use case, Description, Pain points, Evidence proof points, Target buyer

Technology focused
No
API detail
Has APIbool
No

Docs URL, Description

AI maturity
App detail

Has app

Core technology
Revenue estimate
Valuation estimate
Number of profiles
Profiles19 records

Each record includes

Name, Designation, Designation category, Overview, Profile commentary, Source

Subsidiaries5 records

Each record includes

Name, Acquired on, Relationship type, Type, Business focus

No data
Funding overview

Funding stage, Last funding date, Total funding USD

Funding rounds2 records

Each record includes

Round, Amount USD, Date, Pre money valuation, Total investors, Investors, News

Investors

Each record includes

Name, Type, Date of entry, Rounds participated, Website

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A4 records

Each record includes

Name, Acquisition type, Announced date, Completed date, Status, Website, News

Investment

Each record includes

Name, Round, Announced date, Lead investor, Website, News

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

SmartFinancial

Regional Commercial Bankingsmartfinancialinc.com

SmartFinancial, Inc. is a Knoxville-based bank holding company operating SmartBank, a $5.91 billion-asset regional commercial bank with 42 branches across Tennessee, Alabama, Florida, and Georgia serving SMB and consumer customers with traditional banking and specialty construction equipment lending.

What SmartFinancial does

SmartFinancial, Inc. is a Knoxville, Tennessee-based financial holding company (NYSE: SMBK) that operates through its primary subsidiary SmartBank, a full-service commercial bank serving consumers and small-to-medium businesses across the Southeast. Founded in 2007, the company has grown to $5.91 billion in total assets as of March 31, 2026, operating 42 branches and two loan production offices across Tennessee, Alabama, Florida, and Georgia. The company's product set spans personal banking (checking, savings, mortgages, personal loans, credit cards), business banking (business checking and savings, business loans, SBA loans, treasury management), and specialty construction equipment financing acquired through Fountain Leasing, LLC in 2021.

SmartFinancial generates revenue primarily through net interest income on its loan portfolio and deposit-related fees, with pricing structured around individually negotiated commercial and consumer relationships rather than published rate sheets. Distribution combines a physical 42-branch regional network with digital and e-banking platforms, supported by division presidents overseeing Tennessee, Alabama, and Florida/South Alabama markets. Strategic positioning emphasizes relationship-driven banking under the 'SmartBank Way' culture, with FORTUNE 2025 Top 100 Best Workplaces recognition as a brand differentiator.

The company has pursued a dual-track growth model combining organic balance sheet expansion with selective M&A — acquiring Capstone Bancshares (2017), Foothills Bancorp, Sevier County Bank (2021), and Fountain Leasing (2021) — alongside prudent capital return through a quarterly dividend (raised 12.5% in April 2026) and a $10 million share repurchase program authorized in January 2026. Governance is anchored by an experienced regional banking leadership team, with the CEO holding a seat on the Federal Reserve Bank of Atlanta board and chairing the Tennessee Bankers Association.

SmartFinancial firmographics

Firmographics
Name
SmartFinancial
Legal name
SmartFinancial, Inc.
Website
https://smartfinancialinc.com
Company type
Public
Founded year
2007
Operating status
Operating
Headcount range
501–1,000 employees
Short description
SmartFinancial, Inc. is a Knoxville-based bank holding company operating SmartBank, a $5.91 billion-asset regional commercial bank with 42 branches across Tennessee, Alabama, Florida, and Georgia serving SMB and consumer customers with traditional banking and specialty construction equipment lending.
Ownership category
akta.pro rank

Where SmartFinancial is headquartered

Location

Headquarters

HQ city
Knoxville
HQ country
United States
HQ region
North America

Offices2 records

Markets served

SmartFinancial business model

Business model
GTM type
B2B and B2C
Offering type
Services
Cost components
Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Distribution channels2 records

Marketing channels1 record

SmartFinancial product offering

Product offering

Core offering

SmartFinancial is a bank holding company that operates through its subsidiary SmartBank to deliver relationship-driven commercial and consumer banking services. Its offering includes personal and business checking and savings accounts, mortgages, personal and business loans, credit cards, SBA-backed loans, treasury management, and specialty construction equipment financing to small and medium businesses across Tennessee, Alabama, Florida, and Georgia.

Product overview

SmartFinancial, Inc. is a financial holding company (NYSE: SMBK) headquartered in Knoxville, Tennessee, with assets exceeding $5.5 billion. The company operates through its primary banking subsidiary SmartBank, which offers a comprehensive suite of banking products including personal checking, personal savings, personal mortgages, personal loans, credit cards, business checking, business savings, business loans, treasury management, and SBA loans. SmartBank operates 42 branches and two loan production offices across Tennessee, Alabama, Florida, and Georgia. The company also offers digital banking and e-banking services. Through its Fountain Leasing acquisition, SmartBank has developed specialty lending capabilities focused on construction equipment financing for small and medium businesses in the Southeast. The company follows a 'SmartBank Way' approach emphasizing relationship-driven banking solutions and prudent capital deployment with organic market growth and strategic acquisitions.

Differentiator

Problem solved

Functional benefit

Products and services

  • SmartBank Personal Checking Personal checking accounts offering everyday banking services for individual consumers.
  • SmartBank Personal Savings Personal savings accounts for individual consumers to deposit and grow their money.
  • SmartBank Personal Mortgages Mortgage lending products for individuals purchasing or refinancing residential properties.
  • SmartBank Personal Loans Personal loan products for individual consumers including various lending solutions.
  • SmartBank Credit Cards Credit card products for both personal and business customers.
  • SmartBank Business Checking Business checking accounts designed for commercial businesses with various features and services.
  • SmartBank Business Savings Business savings accounts for commercial businesses to deposit and grow funds.
  • SmartBank Business Loans Commercial lending products including various business financing solutions.
  • SmartBank Treasury Management Cash management and treasury services for business customers including liquidity management and payment solutions.
  • SmartBank SBA Loans SBA-backed loans supporting small business growth and expansion.
  • SmartBank Digital Banking Online and mobile banking platform for customers to access accounts, make transactions, and manage finances digitally.
  • SmartBank E-Banking Electronic banking services for customers to conduct financial transactions online.
  • SmartBank Construction Equipment Financing Specialty lending platform focusing on construction equipment financing for small and medium businesses in the Southeast.

Companies that use SmartFinancial

Customer profile

Segments2 records

Ideal customer profiles2 records

SmartFinancial technology and API

Technology

Technology focussed No

API detail

Has API
No
API docs
API detail

Core technology

AI maturity

App detail

SmartFinancial partnerships and signals

Strategic signal

Scale indicators8 records

Recent moves7 records

Expansion highlights5 records

SmartFinancial competitors and assessment

Company assessment

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key highlights7 records

Customer concentration

SmartFinancial social profiles

Digital presence

SmartFinancial financial estimates

Financial estimate

Revenue estimate

Valuation estimate

SmartFinancial leadership team

Management profile

Number of profiles

Profiles19 records

SmartFinancial subsidiaries and ownership

Company hierarchy

Subsidiaries5 records

SmartFinancial funding detail

Funding detail

Funding overview

Funding rounds2 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

SmartFinancial M&A and investment

M&A and investment

M&A4 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about SmartFinancial

What does SmartFinancial do?

SmartFinancial is a bank holding company that operates through its subsidiary SmartBank to deliver relationship-driven commercial and consumer banking services. Its offering includes personal and business checking and savings accounts, mortgages, personal and business loans, credit cards, SBA-backed loans, treasury management, and specialty construction equipment financing to small and medium businesses across Tennessee, Alabama, Florida, and Georgia.

Is SmartFinancial a public or private company?

SmartFinancial is a public company. It is classified as public and is currently operating.

When was SmartFinancial founded?

SmartFinancial was founded in 2007. It employs 501 to 1,000 people.

Where is SmartFinancial based?

SmartFinancial is headquartered in Knoxville, United States, in the North America region.

Does SmartFinancial have an API?

No public API is recorded for SmartFinancial.

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Live signals
Markets DailyAnalyzing SmartFinancial (NASDAQ:SMBK) and BCB Bancorp, Inc. (NJ) (NASDAQ:BCBP)SmartFinancial and BCB Bancorp are compared on profitability, valuation, and analyst ratings. SmartFinancial has higher revenue and earnings, but BCB Bancorp trades at a lower P/E ratio and has a higher upside potential. Analysts favor BCB Bancorp, while SmartFinancial beats on 12 of 14 factors.Ticker ReportSmartFinancial (NASDAQ:SMBK) versus First Merchants (NASDAQ:FRME) Critical ContrastFirst Merchants and SmartFinancial are compared across profitability, valuation, dividends, and institutional ownership. First Merchants beats SmartFinancial on 11 of 18 factors, with higher revenue, earnings, dividend yield, and institutional ownership. Analysts see a 19.89% upside for First Merchants versus a 2.68% downside for SmartFinancial.Ticker ReportSmartFinancial, Inc. (NASDAQ:SMBK) Given Average Recommendation of “Moderate Buy” by AnalystsSmartFinancial shares have an average analyst rating of "Moderate Buy" with a 12-month price target of $50.42. Institutional investors own 58.78% of the stock, and the company recently paid a $0.09 quarterly dividend. The stock opened at $52.11 on Monday.Defense WorldSmartFinancial, Inc. (NASDAQ:SMBK) Receives Average Recommendation of “Moderate Buy” from AnalystsAnalysts rate SmartFinancial with a consensus of Moderate Buy, averaging a $50.42 price target. Director Victor Barrett bought 3,000 shares at $43.78, increasing his stake by 2.02%. The company also announced a $0.09 quarterly dividend.Investing.comBenchmark raises SmartFinancial stock price target on growth outlook By Investing.comBenchmark raised its price target on SmartFinancial shares to $60 from $56, citing stronger balance sheet growth and potential operating leverage. This adjustment follows SmartFinancial's second-quarter results which surpassed Wall Street expectations with earnings of $0.96 per share. Stephens also raised its price target for the company to $47, reflecting improved financial health and net interest margin expansion.Stocktradersdaily(SMBK) as a Liquidity Pulse for Institutional TacticsPredictive AI models have identified Smartfinancial Inc. (NASDAQ: SMBK) as a key player in liquidity strategies for institutional trading. The analysis reveals weak near-term sentiment but indicates compelling upside potential, with various trading strategies proposed to optimize risk management. Institutional trading strategies leverage sophisticated models to enhance performance in different market conditions.MarketScreenerRaymond James Raises Price Target on SmartFinancial to $58 From $50, Keeps Strong Buy RatingRaymond James has raised its price target on SmartFinancial, Inc. from $50 to $58 while maintaining a Strong Buy rating on the stock. SmartFinancial is a bank holding company operating SmartBank across Tennessee, Alabama, and Florida with approximately 42 full-service branches. The revision represents a 16% increase in the price target, indicating continued analyst confidence in the regional bank's performance.Investing.comSmartFinancial Inc earnings beat by $0.06, revenue topped estimates By Investing.comSmartFinancial Inc reported second quarter EPS of $0.96, beating analyst estimates of $0.90 by $0.06, while revenue of $55.95M also exceeded the consensus estimate of $55.74M.Investing.comSmartFinancial Q2 2026 slides: $6B milestone, 15% loan growth By Investing.comSmartFinancial presented second-quarter 2026 results on July 21, reporting diluted operating EPS of $0.96 that beat the $0.90 consensus estimate by 6.67%, with revenue of $55.95 million slightly exceeding the $55.74 million forecast. The Knoxville, Tennessee-based community bank crossed the $6 billion asset threshold while delivering 15% annualized quarter-over-quarter loan growth and improved profitability metrics including a 1.10% operating return on average assets, up from 0.96% in the prior quarter. Management guided to a $4 earnings-per-share annual run rate target by Q4 2026 and indicated rate resets in the loan book should support margin expansion in late 2026 and early 2027.Investing.comEarnings call transcript: SmartFinancial tops Q2 2026 estimates as shares rise By Investing.comSmartFinancial Inc reported second-quarter 2026 earnings of $0.96 per share on revenue of $55.95 million, beating Wall Street estimates of $0.90 per share and $55.74 million respectively, with the stock rising 2.77% to $48.99 near its 52-week high. The bank crossed the $6 billion asset milestone during the quarter while maintaining strong credit quality with nonperforming assets at 0.23% of total assets and reporting 15% annualized loan growth. Management reaffirmed its $4 earnings-per-share run rate target by Q4 2026 and expressed confidence in continued margin expansion from loan portfolio rate resets.