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Ken GriffinHeld
Citadel Advisors · Q2 2026
$1.09M
23.14K shares · 0.0% of portfolio
Smartfinancial Inc
Smartfinancial Inc (SMBK) is listed on NYSE and classified in Banks - Regional, part of the Financial Services sector. It is headquartered in Knoxville, United States and has 581 employees. The company is worth $841.59M and trades at 13.2x its earnings of the last twelve months; the median for its sector is 13.2x. Revenue was $200.46M in fiscal 2025, up 16.9% from the year before. Net income was $50.35M. The share price is 9.1% below its 52-week high of $54.14. It pays a dividend yielding 0.69%. 5 of the 38 superinvestors we track held it at the end of Q2 2026. The largest position belongs to Two Sigma (Two Sigma Investments), at $8.84M. In that quarter, 1 of them reduced the position. No open-market insider trades in it were filed over the last 30 days.
Written from the data on this page: SEC filings (13F, Form 4, annual reports) and market prices.
Year by year, from the annual reports; dividends from the payments themselves.
Bars are year-end balances; lines are what happened during the year.
Major managers that reported this stock in their latest 13F.
▲ +98.1% over 5Y.
today you would have $2,065.41▲ +106.5%
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
The last 17 closed years, each at that year’s closing price and reported numbers.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Year-end price | $36.99 | $30.98 | $24.49 | $27.50 | $27.36 | $18.14 | $23.65 | $18.27 | $21.70 | $18.56 | $16.09 | $13.24 | $9.48 | $9.16 | $6.00 | $7.60 | $8.40 | |
| P/E |
Seven formulas applied to the reported numbers, each with its assumption next to the result. None of them predicts a price.
Square root of 22.5 × earnings × book value. Blind to intangibles, so it undervalues software and brands.
Earnings growing 13.0% a year plus a 0.7% dividend yield. Growth capped at 25%.
Median P/E of 13.2 among peers in the sector.
Median P/E of 14.5 across this company’s own years on record.
Cash flow growing 13.0% a year for 10 years, discounted at 10%, then 2.5% forever.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Companies of similar size in Financial Services, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| ROOTRoot, Inc. | $53.87 | 14.7x | 2.5x | 0.00% | 15.37% | $834.62M |
| NAVINavient Corp | $8.86 | — | 0.3x | 7.22% | -1.98% | $830.92M |
| GSBCGreat Southern Bancorp Inc | $78.93 | 13.2x | 1.4x | 2.18% | 10.65% | $860.14M |
| FRBTForbright, Inc. | $17.01 |
| 14.5x |
| 12.4x |
| 14.5x |
| 14.5x |
| 10.8x |
| 12.3x |
| 11.2x |
| 12.5x |
| 12.6x |
| 39.5x |
| 23.8x |
| 50.3x |
| 25.5x |
| 118.5x |
| 114.5x |
| 30.0x |
| — |
| — |
| P/S | 2.9x | 3.2x | 3.1x | 2.7x | 2.8x | 3.4x | 2.4x | 3.7x | 3.1x | 4.7x | 3.6x | 3.4x | 2.0x | 0.9x | 1.0x | 0.6x | 0.6x | — |
| P/B | 0.9x | 1.1x | 1.1x | 0.9x | 1.1x | 1.1x | 0.8x | 1.2x | 0.9x | 1.2x | 1.4x | 0.9x | 0.7x | 0.3x | 0.4x | 0.3x | 0.5x | — |
| EPS | $2.98 | $2.14 | $1.69 | $2.55 | $2.22 | $1.62 | $1.89 | $1.45 | $0.55 | $0.78 | $0.32 | $0.52 | $0.08 | $0.08 | $0.20 | -$2.92 | -$5.04 |
| Dividend yield | 1.03% | 0.87% | 1.03% | 1.31% | 1.02% | 0.88% | 1.10% | 0.21% | — | — | — | — | — | — | — | — | — | 4.67% |
| Payout | 10.98% | 10.74% | 14.95% | 18.93% | 10.98% | 10.81% | 12.35% | 2.65% | — | — | — | — | — | — | — | — | — | — |
| Profit margin | 13.66% | 25.12% | 21.07% | 18.76% | 26.04% | 25.33% | 20.92% | 26.76% | 21.75% | 9.77% | 13.66% | 5.54% | 9.24% | 9.96% | 8.99% | 6.73% | -24.66% | -46.88% |
| ROE | 5.51% | 9.11% | 7.36% | 6.22% | 9.95% | 8.10% | 6.81% | 8.49% | 6.40% | 2.44% | 5.51% | 1.51% | 3.28% | 3.18% | 3.43% | 2.93% | -18.23% | -29.38% |
Median of the years shown; P/E years above 200x are left out.
The average of the method families that answered, not of the seven numbers: four of the seven start from the same earnings per share.
5 methods answered, across 2 families.
Room for errors in the reported numbers.
+84.2% from the average.
Models, not forecasts, and not investment advice. How each formula works →
| 15.6x |
| 0.9x |
| 0.00% |
| — |
| $863.5M |
| SPFISouth Plains Financial Inc | $43.53 | 11.9x | 1.3x | 1.65% | 12.02% | $820.07M |
| CCBGCapital City Bank Group Inc | $50.49 | 14.0x | 1.5x | 2.14% | 11.26% | $864.05M |