SmartFinancial, Inc.

NASDAQ•SMBK

CEO: Mr. William Young Carroll Jr.

セクター: Financial Services

業種: Banks - Regional

上場日: 2003-10-07

SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers in Tennessee, Alabama, and Florida. It operates through Commercial Real Estate, Consumer Real Estate, Construction and Land Development, Commercial and Industrial, Leases, and Consumer and Other segments. The company offers noninterest-bearing and interest-bearing checking, interest-bearing demand, savings, money market, time deposit, individual retirement accounts, as well as certificates of deposit. It also provides commercial and residential real estate, consumer real estate, and construction and land development loans; commercial and financial loans and leases; commercial business and mortgage loans; and direct consumer installment, educational, agriculture, and other revolving credit loans; equipment financing, heavy equipment, semis, and trailers loans and leases to small and mid-size companies; letters of credit; and overdraft facilities. In addition, the company offers wealth management, insurance, mortgage origination, and internet and mobile banking services. SmartFinancial, Inc. is headquartered in Knoxville, Tennessee.

連絡先情報

5401 Kingston Pike, Suite 600, Knoxville, TN, 37919, United States

865-437-5700

www.smartbank.com

時価総額

$649.84M

PER (TTM)

12.7

14.5

配当利回り

0.8%

52週高値

$43.91

52週安値

$26.31

52週レンジ

67%

順位45Top 56.8%

3.6

F-Score

改良版 Piotroski 分析

10年ファンダメンタル

弱い • 3.6 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$83.84M+11.61%

直近4四半期の推移

EPS

$0.82+43.86%

直近4四半期の推移

フリーCF

$0.00+0.00%

直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Strong Nine-Month Net Income Net income reached $36.6M for nine months 2025, up $10.1M year-over-year; diluted EPS $2.17 compared to $1.57.

Net Interest Margin Expansion Tax equivalent NIM improved to 3.25% for nine months 2025, driven by higher asset yields and lower funding costs.

Balance Sheet Growth Continues Total assets grew to $5.78B; net loans increased $314.4M YTD, supported by $364.4M deposit growth from year-end 2024.

Capital Ratios Remain Strong SmartFinancial CET1 ratio stood at 9.85% as of September 30, 2025, comfortably exceeding regulatory minimums.

リスク要因

Slight Asset Quality Deterioration Nonaccrual loan ratio ticked up to 0.24% from 0.20% year-over-year; ACL coverage remains adequate at 0.93% of loans.

Interest Rate Risk Exposure Earnings simulation shows potential 1.46% decline in NII under 100 basis point rate decrease scenario over 12 months.

Contingent Credit Risk Exposure Off-balance sheet commitments total $1.01B in unused credit lines, representing potential future credit risk exposure.

Regulatory Capital Buffer Management Company must monitor compliance with new capital rules, though current ratios exceed well-capitalized thresholds.

見通し

Subordinated Debt Refinancing Complete Issued $100M new subordinated debt to retire older notes and fund growth; debt structure optimized for future.

Asset Quality Monitoring Ongoing Management continues quarterly evaluation of loan risk grading; no allowance deemed necessary for most securities portfolios.

Managing Deposit Cost Pressures Deposit cost decreased due to Federal Reserve rate actions, but management must maintain competitive pricing structures.

SBKI Sale Impact Realized Goodwill reduced by $5.8M due to SBKI sale; transaction resulted in a $4.0M pre-tax gain recognized this quarter.

同業比較

売上高 (TTM)

CAC

$367.34M

+26.8%

TCBX

$366.95M

+8.5%

GSBC

$343.97M

-3.2%

粗利益率 (最新四半期)

THFF

96.6%

+26.3pp

FCBC

90.9%

+4.8pp

BCAL

83.9%

+0.0pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
CAC	$769.72M	11.8	9.8%	9.2%
HTBK	$746.72M	15.5	6.8%	0.7%
FCBC	$734.31M	15.0	9.7%	0.0%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

3.8%

緩やかな成長

4四半期純利益CAGR

6.8%

収益性の着実な向上

キャッシュフロー安定性

75%

キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月20日

EPS:$0.81

売上高:$53.43M

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし