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)
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
Chattanooga, US
835 Georgia Ave
Chattanooga, US
2280 Gunbarrel Rd
Chattanooga, US
4154 Ringgold Rd
Destin, US
4405 Commons Dr E
Gatlinburg, US
570 East Pkwy
Show all (14)

SmartFinancial Financials and Metrics

SmartFinancial Financials

SmartFinancial's revenue was reported to be $46.7 m in FY, 2016

Net income (Q3, 2017)

1.7 m

EBIT (Q3, 2017)

10.9 m

Market capitalization (16-Feb-2018)

15.7 m

Cash (30-Sep-2017)

84.1 m
SmartFinancial's current market capitalization is $15.7 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
USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017


4.5 m7.3 m11.2 m11.6 m12 m11.9 m12.8 m

Cost of goods sold

605.3 k726.7 k1 m1.1 m1.1 m1.1 m1.3 m1.4 m

Gross profit

3.9 m6.6 m10.2 m10.6 m10.9 m10.7 m11.5 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
USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017


21.3 m21.9 m19 m15.9 m25.4 m33.4 m89.9 m68.9 m71.7 m58.6 m55.5 m82.8 m84.1 m

Accounts Receivable

(39 k)


4.2 m

Total Assets

429.7 m429 m419.9 m413.4 m426 m435.5 m1 b1 b1 b1 b1.1 b1.1 b1.1 b
    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)
    USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017

    Net Income

    1.3 m412.2 k821.6 k1.2 m479.5 k797.8 k327.6 k1.3 m2.5 m4.2 m1.6 m3.3 m

    Depreciation and Amortization

    295.8 k109.6 k246.1 k340.1 k70.7 k237.4 k1.3 m525.8 k1.1 m1.6 m549.2 k1.2 m

    Accounts Receivable

    (8.1 k)(292.7 k)(104.6 k)(201.9 k)17.9 k70.8 k145.3 k106.9 k280.7 k355.8 k160 k18.1 k

    Accounts Payable

    (20.4 k)4.4 k(2.2 k)(3.9 k)33.8 k32.1 k11.5 k10.1 k4.3 k(23.2 k)2.4 k13.1 k
      Y, 2017

      Financial Leverage

      8.3 x
      Show all financial metrics

      SmartFinancial Market Value History

      SmartFinancial's Web-traffic and Trends

      SmartFinancial Online and Social Media Presence

      SmartFinancial Company Life and Culture

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