SMBK at a glance
SMARTFINANCIAL INC. (SMBK, SEC CIK 1038773) filed its latest 10-K annual report on March 16, 2026, a 10-Q quarterly report on August 10, 2026, an 8-K current report on July 20, 2026 and Form 4 insider filings as recently as September 14, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), SMARTFINANCIAL INC. (SMBK) reported revenue of $286.0 million (up 13.9% from FY2024) and net income of $50.3 million. Diluted EPS was $2.98.
- As of June 30, 2026, 30 institutional investment managers tracked by SignalX reported holding SMARTFINANCIAL INC. (SMBK) shares worth $233.5 million in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Jordan Rhett D. on September 14, 2026 of 230 shares at $52.05 per share.
- In the last 90 days, SMBK insiders reported 0 open-market purchases ($0) and 2 open-market sales ($35K) on Form 4, a net sale of $35K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $286.0M
- +13.9% vs prior year
- Insiders · 90 days
- 0 buys · 2 sells
- Net −$35K
- 13F holders
- 30 funds
- $233.5M · +1 vs prior quarter
- Latest 8-K
- Jul 20, 2026
- Item 2.02 · Item 7.01
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Net income $16.3M vs $11.7M YoY; revenue proxy net interest income $48.1M vs $40.3M
- Tax-equivalent net interest margin 3.52% vs 3.29% YoY; return on average assets 1.10% vs 0.88%
- Best performer mortgage banking income $916K vs $633K; worst insurance commissions $0 vs $1.6M
- Loans and leases $4.64B, up $315.0M; deposits $5.39B, up $232.8M from December 31, 2025
- Headwinds: interest-rate changes, real-estate weakness, credit deterioration, liquidity needs and banking-industry risks
Risk Factors
- No material changes to risk factors previously disclosed in the December 31, 2025 Form 10-K
AI summary of the SMBK 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 2.02: Results of Operations and Financial Condition
- SmartFinancial reported second-quarter earnings for the period ended June 30, 2026
- Press release issued July 20, 2026, containing the detailed financial results
Item 7.01: Regulation FD Disclosure
- Investor presentation scheduled for review during July 21, 2026 earnings call
- Quarterly cash dividend $0.09 per share declared July 16, 2026
Item EX-99.1: Item EX-99.1
- Q2 net income $16.3M, or $0.96 diluted EPS, up from $13.7M and $0.81 sequentially
- Organic loans and leases grew $165M, representing 15% annualized quarter-over-quarter growth
Item 5.07: Submission of Matters to a Vote of Security Holders
- 80.61% shareholder participation, providing a strong mandate for annual-meeting decisions
- All 10 director nominees elected through the 2027 annual meeting, preserving board continuity
Item 7.01: Regulation FD Disclosure
- Reg FD disclosure section contains only a liability and incorporation-by-reference disclaimer
- No substantive company update or market-moving information disclosed in the provided text
Item EX-99.1: Item EX-99.1
- Quarterly cash dividend increased 12.5% to $0.09 per share from $0.08
- Payment scheduled for June 1, 2026, to shareholders of record May 15, 2026
AI summaries of SMBK 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for SMBK
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- Fund moves. Which tracked funds opened, added or cut SMBK, by share count.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Jordan Rhett D. | Sell | Sep 14, 2026 | 230 | $52.05 |
| Jordan Rhett D. | Sell | Aug 4, 2026 | 430 | $52.75 |
| Jordan Rhett D. | Sell | Jun 12, 2026 | 400 | $45.00 |
| Barrett Victor Lynn | Buy | Jun 10, 2026 | 3,000 | $43.78 |
| Ackermann Cathy G | Buy | Jun 4, 2026 | 3,000 | $42.12 |
| Wolpert Geoffrey Alan | G | May 19, 2026 | 31,118 | - |
| Wolpert Geoffrey Alan | G | May 19, 2026 | 31,118 | - |
| Wolpert Geoffrey Alan | G | May 18, 2026 | 24,849 | - |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $218.0M | $251.1M | $286.0M |
| Net Income | $28.6M | $36.1M | $50.3M |
| Net Margin | 13.1% | 14.4% | 17.6% |
| Balance Sheet | |||
| Total Assets | $4.8B | $5.3B | $5.9B |
| Equity | $459.9M | $491.3M | $552.4M |
| ROE | 6.2% | 7.4% | 9.1% |
| Per Share | |||
| EPS | - | $2.14 | $2.98 |
| Cash Flow | |||
| Operating CF | $39.7M | $52.7M | $61.7M |
| CapEx | $6.3M | $6.4M | $2.4M |
Source: XBRL data in SMARTFINANCIAL INC. (SMBK)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate SMBK share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 30 | $233.5M |
| Q1 2026 | 29 | $185.8M |
| Q4 2025 | 26 | $170.8M |
| Q3 2025 | 26 | $157.8M |
| Q2 2025 | 27 | $147.2M |
| Q1 2025 | 23 | $92.8M |
| Q4 2024 | 19 | $78.7M |
| Q3 2024 | 13 | $45.3M |
- BlackRock+183.6K (+14%)
- Vanguard Portfolio Management LLC+18.7K (+17%)
- Two Sigma Investments+18.5K (+11%)
- State Street Corp+16.5K (+4%)
- FMR LLC (Fidelity)+15.1K (+259%)
- Goldman Sachs Group−49.3K (-38%)
- Millennium Management−22.8K (-25%)
- D.E. Shaw & Co−5.8K (-14%)
- Renaissance Technologies LLC−5.1K (-3%)
- Invesco Ltd−4.9K (-21%)
Source: 13F-HR filings on SEC EDGAR (aggregated from 193 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
SMBK filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-Q quarterly reports
8-K current reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 14, 2026 | - | - | - |
| 10-Q | Aug 10, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Aug 4, 2026 | - | - | - |
| 8-K | Jul 20, 2026 | - | Analysis | - |
| 4 | Jun 12, 2026 | - | - | - |
| 4 | Jun 10, 2026 | - | - | |
| 4 | Jun 4, 2026 | - | - | |
| 8-K | May 22, 2026 | - | Analysis | |
| 4 | May 20, 2026 | - | - | |
| 4 | May 20, 2026 | - | - | |
| 4 | May 20, 2026 | - | - | |
| 10-Q | May 11, 2026 | Mar 31, 2026 | Analysis | |
| 4 | May 4, 2026 | - | - | - |
| 8-K | Apr 30, 2026 | - | Analysis | - |
| 4 | Apr 24, 2026 | - | - | - |
| 8-K | Apr 20, 2026 | - | Analysis | - |
| 8-K | Mar 31, 2026 | - | - | - |
| 10-K | Mar 16, 2026 | Dec 31, 2025 | - | |
| 4 | Mar 11, 2026 | - | - | - |
| 4 | Mar 11, 2026 | - | - | - |
| 4 | Mar 11, 2026 | - | - | - |
| 4 | Mar 11, 2026 | - | - | - |
| 4 | Mar 11, 2026 | - | - | - |
| 4 | Mar 11, 2026 | - | - | - |
| 4 | Mar 11, 2026 | - | - | - |
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SMBK SEC filings: frequently asked questions
Are SMBK insiders buying or selling?
In the last 90 days, SMARTFINANCIAL INC. (SMBK) officers, directors and 10% owners reported no open-market purchases and 2 open-market sales worth $34,654 by 1 insider on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold SMBK stock?
As of June 30, 2026, the largest SMARTFINANCIAL INC. (SMBK) holders among the 13F filers tracked by SignalX were BlackRock ($68.9 million), Dimensional Fund Advisors ($39.2 million), Vanguard Capital Management LLC ($31.9 million), State Street Corp ($21.4 million), Two Sigma Investments ($8.8 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was SMBK's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), SMARTFINANCIAL INC. (SMBK) reported revenue of $286.0 million (up 13.9% from FY2024) and net income of $50.3 million. Diluted EPS was $2.98. The figures come from the XBRL data in the 10-K.
What did SMBK report in its latest 8-K?
SMARTFINANCIAL INC. (SMBK) filed an 8-K on July 20, 2026 reporting Item 2.02 (Results of Operations and Financial Condition) and Item 7.01 (Regulation FD Disclosure). SmartFinancial reported second-quarter earnings for the period ended June 30, 2026.
What are the latest SMBK SEC filings?
SMARTFINANCIAL INC. (SMBK) filed its latest 10-K annual report on March 16, 2026, a 10-Q quarterly report on August 10, 2026, an 8-K current report on July 20, 2026 and a Form 4 insider filing on September 14, 2026.
What is SMBK's SEC CIK number?
SMARTFINANCIAL INC. (SMBK)'s SEC Central Index Key (CIK) is 1038773. EDGAR lists every SMBK filing under that number.
Ask anything about SMBK
The research agent reads SMBK's filings, financials, insider trades and 13F holders, then answers with sources.