SmartFinancial, Inc.
SMBK
Rank in Stocks
#9552
SmartFinancial, Inc. functions as the parent entity for SmartBank, which offers... SmartFinancial, Inc. functions as the parent entity for SmartBank, which offers a broad spectrum of financial solutions to both individual clients and corporate entities. The company's operations are structured across distinct segments: Commercial Real Estate, Consumer Real Estate, Construction and Land Development, Commercial and Industrial, and a broader Consumer and Other division. Its suite of deposit products includes non-interest and interest-bearing checking accounts, interest-bearing demand accounts, savings and money market accounts, various time deposits, Individual Retirement Accounts (IRAs), and certificates of deposit (CDs). Additionally, SmartFinancial's lending portfolio encompasses financing for commercial and residential properties, consumer real estate, and construction and land development projects. It also extends commercial and financial loans, mortgage loans, direct consumer installment loans, educational and other revolving credit facilities, and provides overdraft services. Beyond these core offerings, the company delivers wealth management, insurance products, mortgage origination, and convenient digital banking services accessible via the internet and mobile devices. As of March 1, 2022, SmartFinancial maintained a significant regional footprint, operating 41 full-service branches and two dedicated loan production offices across East and Middle Tennessee, Alabama, and the Florida Panhandle. The corporate headquarters are located in Knoxville, Tennessee.
Share Price
$48.50
Last synced: 2026-11-09
Market Cap
$829.28M
Change (1 day)
1.61%
Change (1 year)
35.06%
Country
Stock data: Financial Modeling PrepΒ·Updated Β·Not investment adviceΒ·How we calculate this
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Category
Financial Services
Operating Margin for SmartFinancial, Inc. (SMBK)
Operating Margin as of November 2026 TTM: 21.77%
According to SmartFinancial, Inc.'s latest financial reports, its current operating margin (TTM) is 21.77%. At the end of 2025 the company had an operating margin of 19.44%.
Operating Margin history for SmartFinancial, Inc. from 2001 to 2026
Operating Margin at the end of each year
| Year | Operating Margin | Change |
|---|---|---|
| 2026 (TTM) | 21.77% | 11.99% |
| 2025 | 19.44% | 21.96% |
| 2024 | 15.94% | 5.77% |
| 2023 | 15.07% | -48.79% |
| 2022 | 29.43% | -0.94% |
| 2021 | 29.71% | 27.95% |
| 2020 | 23.22% | -20.04% |
| 2019 | 29.04% | 31.70% |
| 2018 | 22.05% | 7.25% |
| 2017 | 20.56% | 2.34% |
| 2016 | 20.09% | 86.54% |
| 2015 | 10.77% | -22.18% |
| 2014 | 13.84% | 3.59% |
| 2013 | 13.36% | 37.45% |
| 2012 | 9.72% | 72.95% |
| 2011 | 5.62% | -125.46% |
| 2010 | -22.07% | -53.24% |
| 2009 | -47.20% | -503.76% |
| 2008 | 11.69% | 484.50% |
| 2007 | 2.00% | -93.16% |
| 2006 | 29.23% | -4.10% |
| 2005 | 30.48% | 13.22% |
| 2004 | 26.92% | 10.15% |
| 2003 | 24.44% | 51.33% |
| 2002 | 16.15% | -100.89% |
| 2001 | -1,821.18% | 0.00% |
Operating Margin for similar companies or competitors
| Company | Operating Margin | Operating Margin Difference | Country |
|---|---|---|---|
| 54.30% | -97.51% |
CN
|
|
| 57.52% | -97.36% |
IT
|
|
| 21.82% | -99.00% |
IN
|
|
| 26.74% | -98.77% |
IN
|
|
| 20.55% | -99.06% |
JP
|
What is a company's Operating Margin?
The operating margin is a key indicator to assess the profitability of a company. Higher operating margins are generaly better as they show that a company is able to sell its products or services for much more than their production costs. The operating margin is calculated by dividing a company's earnings by its revenue.
Questions about SmartFinancial, Inc.'s operating margin
What is SmartFinancial, Inc.'s operating margin?
SmartFinancial, Inc.'s operating margin is 21.77%, as of Nov 2026.
What was SmartFinancial, Inc.'s operating margin in 2025?
In 2025, SmartFinancial, Inc.'s operating margin was 19.44%, compared with 15.94% in 2024.
How has SmartFinancial, Inc.'s operating margin changed since 2020?
From 2020 to 2025, SmartFinancial, Inc.'s operating margin was highest in 2021 (29.71%) and lowest in 2023 (15.07%).
How does SmartFinancial, Inc.'s operating margin compare with similar companies?
SmartFinancial, Inc.'s operating margin (21.77%) is higher than that of 1 of the 5 similar companies listed above. The highest among them is UniCredit S.p.A., with 57.52%.