SmartFinancial Inc. is a bank holding company for SmartBank. The principal business of the Bank consists of attracting deposits from the general public and investing those funds, together with funds generated from operations and from principal and interest payments on loans, primarily in commercial loans, commercial and residential real estate loans, consumer loans and residential and commercial construction loans. SmartBank also provides a range of deposit services to businesses and individuals, including non-interest bearing checking accounts, interest bearing checking accounts, savings accounts, money market accounts, Individual Retirement Accounts and certificates of deposit. Its investment portfolio, consisting primarily of Federal agency bonds, mortgage-backed securities, and state and municipal securities.

Company Growth (employees)
Knoxville, US
Size (employees)
222 (est)+114%
SmartFinancial was founded in 1983 and is headquartered in Knoxville, US

SmartFinancial Office Locations

SmartFinancial has offices in Knoxville, Chattanooga, Destin, Gatlinburg and in 4 other locations
Knoxville, US (HQ)
5401 Kingston Pike Ste 600
Sevierville, US
1011 Parkway
Pensacola, US
201 N Palafox St
Panama City, US
Southwood St
Panama City, US
2411 Jenks Ave
Ooltewah, US
8966 Old Lee Hwy
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SmartFinancial Data and Metrics

SmartFinancial Financial Metrics

SmartFinancial's revenue was reported to be $11.9 m in Q1, 2017

Revenue (Q1, 2017)

11.9 m

Gross profit (Q1, 2017)

10.7 m

Gross profit margin (Q1, 2017), %


Net income (Q1, 2017)

1.6 m

EBIT (Q1, 2017)

9.8 m

Market capitalization (21-Sep-2017)

204.7 m

Cash (31-Mar-2017)

55.5 m
SmartFinancial's current market capitalization is $204.7 m.
USDY, 2013Y, 2014Y, 2015FY, 2016


20.4 m20 m30 m46.7 m

Revenue growth, %


Cost of goods sold

3.5 m2.8 m2.8 m4.3 m

Gross profit

16.9 m17.2 m27.2 m42.4 m
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017


4.5 m7.3 m11.2 m11.6 m12 m11.9 m

Cost of goods sold

605.3 k726.7 k1 m1.1 m1.1 m1.1 m

Gross profit

3.9 m6.6 m10.2 m10.6 m10.9 m10.7 m

Gross profit Margin, %

USDFY, 2013FY, 2014FY, 2015FY, 2016


24.9 m15.5 m80 m68.7 m

Accounts Receivable

977.9 k1.1 m

Total Assets

432.2 m415.7 m1 b1.1 b

Accounts Payable

82.3 k71.9 k907.1 m
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017


19 m15.9 m25.4 m33.4 m89.9 m68.9 m71.7 m58.6 m55.5 m


4.2 m

Total Assets

419.9 m413.4 m426 m435.5 m1 b1 b1 b1 b1.1 b

Accounts Payable

331.4 m316.3 m333.2 m331.6 m847 m859.1 m888.7 m860.8 m889.7 m
USDFY, 2013FY, 2014FY, 2015FY, 2016

Net Income

1.7 m1.6 m1.5 m5.8 m

Depreciation and Amortization

506.9 k413.5 k233.2 k305.5 k

Accounts Receivable

235.9 k(165 k)101.2 k111 k

Accounts Payable

(38.2 k)(10.4 k)(11.2 k)(8.4 k)
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Net Income

821.6 k1.2 m479.5 k797.8 k327.6 k1.3 m2.5 m4.2 m1.6 m

Depreciation and Amortization

246.1 k340.1 k70.7 k237.4 k1.3 m525.8 k1.1 m1.6 m549.2 k

Accounts Receivable

(104.6 k)(201.9 k)17.9 k70.8 k145.3 k106.9 k280.7 k355.8 k160 k

Accounts Payable

(2.2 k)(3.9 k)33.8 k32.1 k11.5 k10.1 k4.3 k(23.2 k)2.4 k
USDY, 2017


114.2 k

Financial Leverage

7.9 x
Show all financial metrics

SmartFinancial Market Value History

Traffic Overview of SmartFinancial

SmartFinancial Online and Social Media Presence

SmartFinancial News and Updates

BRIEF-Smartfinancial Q2 earnings per share $0.15

* Net interest income totaled $9.6 million in q2 of 2016 compared to $9.1 million in q1 of 2016 Source text for Eikon: Further company coverage: (Bengaluru Newsroom; +1 646 223 8780)

BRIEF-SmartFinancial Q2 earnings per share $0.15

* Net interest margin, taxable equivalent, increased from 3.96 percent in Q1 2016 to 4.16 percent in the second quarter of 2016

SmartFinancial Company Life and Culture

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