SMARTFINANCIAL INC.
Close on Oct 19, 2026
- Market cap
- $856.74M
- P/E (TTM)
- 14.9
- Dividend yield
- 0.63%
About Smartfinancial
National Commercial Banks, SIC 6021
SmartFinancial, Inc. operates as a bank holding company whose primary business is conducted through its subsidiary, SmartBank. The institution provides retail and commercial banking services to individuals and businesses, collecting customer deposits and deploying capital into commercial, consumer, residential, and construction loans as well as leases. Beyond traditional banking, the company provides equipment financing and leasing for semi-trucks, trailers, and heavy machinery through its subsidiary, Fountain Equipment Finance, LLC. It also offers non-deposit investment products and advisory services to the public in partnership with Raymond James Financial Services.
The company operates its banking business primarily across the Southeastern United States, maintaining 42 full-service branches and two loan production offices throughout Middle and East Tennessee, Alabama, Florida, and Georgia. Additionally, its equipment finance subsidiary operates specialized offices in Knoxville, Memphis, Nashville, Atlanta, and Birmingham. The bank's principal executive office is situated in Pigeon Forge, Tennessee.
Summary of the business section of Smartfinancial's latest annual report, written by StockData.
Company profile
Company
- Legal name
- SMARTFINANCIAL INC.
- Founded
- 1983
- Headquarters
- Knoxville, TN
- Address
- 5401 Kingston Pike, Suite 600 37919
- Phone
- (865) 437-5700
- Website
- smartbank.com
- Employees
- 589, Dec 31, 2025
- Industry
- National Commercial Banks
- Incorporated in
- Tennessee
- Fiscal year ends
- December 31
- Auditor
- Forvis Mazars, LLP, Louisville, Kentucky
Stock & identifiers
- Ticker
- SMBK
- Exchange
- NYSE
- Shares outstanding
- 17M, Aug 3, 2026
- Public float
- $535.90M, Jun 30, 2025
- Filer category
- Accelerated filer
- Stock splits
- 1-for-2.25 reverse, Nov 16, 2015; 1-for-4 reverse, Sep 23, 2015; 2-for-1, Dec 19, 2006; 2-for-1, Sep 16, 2004
- SEC CIK
- 1038773
- CUSIP
- 83190L208
- ISIN
- US83190L2088
- EIN
- 62-1173944
Executives and directors
Officers and directors who filed ownership reports (Forms 3, 4, 5) in the last two years
| Name | Position | Shares owned |
|---|---|---|
| William Young Carroll Jr. | PRESIDENT AND CEO, Director | 175,760 |
| Wesley Miller Welborn | CHAIRMAN OF THE BOARD, Director | 147,236 |
| Rhett D. Jordan | EVP & CHIEF CREDIT OFFICER | 11,142 |
| Jarrod M. Trumpp | Chief Risk Officer | 2,990 |
| Ronald J. Gorczynski | EVP & CHIEF FINANCIAL OFFICER | 24,729 |
| Cynthia A. Cain | CAO - CHIEF ACCOUNTING OFFICER | 12,214 |
| Rebecca C. Boyd | CPO - CHIEF PEOPLE OFFICER | 12,342 |
| Martin E. Schrodt | EVP, Chief Banking Officer | 7,251 |
| Gary Wayne Petty Jr | EVP & CHIEF RISK OFFICER | 18,661 |
| Victor Lynn Barrett | Director | 160,850 |
| Cathy G. Ackermann | Director | 32,431 |
| Geoffrey Alan Wolpert | Director | 214,842 |
| Kelli D. Shomaker | Director | 2,120 |
| Keith Edward Whaley | Director | 87,369 |
| Steven B. Tucker | Director | 50,722 |
| David Austin Ogle | Director | 238,385 |
| Ted Charles Miller | Director | 142,764 |
| John M. Presley | Director | 3,960 |
CEO pay and shareholder return
Pay versus performance table from the proxy statement
| Fiscal year | CEO total pay | CEO pay actually paid | Other executives (avg) | Value of $100 invested | Peer group |
|---|---|---|---|---|---|
| FY2025 William (Billy) Carroll,Jr. | $1.72M | $1.39M | $723.75K | $216 | $160 |
| FY2024 William (Billy) Carroll,Jr. | $1.04M | $1.19M | $496.00K | $179 | $146 |
| FY2023 William (Billy) Carroll,Jr. | $1.09M | $693.10K | $496.15K | $140 | $123 |
| FY2022 William (Billy) Carroll,Jr. | $1.01M | $958.81K | $491.43K | $155 | $123 |
| FY2021 William (Billy) Carroll,Jr. | $1.03M | $1.00M | $541.25K | $152 | $139 |
| FY2020 William (Billy) Carroll,Jr. | $809.35K | $632.86K | $478.48K | $78 | $91 |
“Actually paid” adjusts reported pay for changes in the value of equity awards. Shareholder return assumes $100 invested at the start of the measurement period, as disclosed by the company.
Employees
Headcount reported in annual reports
“As of December 31, 2025, we employed 581 full-time and 8 part-time associates, primarily across our three-state footprint of Tennessee, Alabama, and Florida. None of these associates are represente”
Corporate history
Events identified from SEC filings