SmartFinancial, Inc.
SMBKFinancial Services · Stock · quarterly payer
Forward Yield
0.68%
Annual Dividend
$0.34
Payout Ratio
10%
5-Yr Growth
9.9%
Ex-Date
Jul 31, 2026
Frequency
Quarterly
Summary
As of July 2026, SmartFinancial, Inc. (SMBK) yields 0.68% ($0.34 per share annually), with a blended fair-value estimate of $123.38 — +147% upside, so it screens as undervalued. Dividend safety grade: B (68/100).
Is SMBK a good dividend stock?
Yes, with caveatsSmartFinancial, Inc. (SMBK) pays a quarterly dividend yielding 0.68% ($0.34/yr), with 0 years of growth and a dividend-safety grade of B. It's a solid income payer, but check the caveats below before buying.
Advantages
- Comfortable payout ratio (10%)
- Strong 9.9% 5-yr dividend growth
- 100% total price return over 5 years
Risks
- Cut its dividend in 2020
Key Data
- Dividend Yield
- 0.68%
- Payout Ratio
- 10%
- Annual Dividend
- $0.34
- 5-Yr Avg Growth
- 9.9%
- Ex-Dividend Date
- Jul 31, 2026
- Years of Growth
- 0
- Frequency
- quarterly
- Beta
- 0.69
- Market Cap
- $855.1M
- P/E Ratio
- 14.8
- 5-Yr Total Return
- 100%
- 52-Week Range
- $32.64 – $50.12
- Dividend Safety
- B · 68/100
- Ever Cut?
- Yes (2020)
Frequently Asked Questions
SMBK Price — Last 12 Months
Daily close
Price Return
1 Year
+36%
3 Years
+120%
5 Years
+100%
52-Week Range
$32.64 – $50.12
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is SMBK worth?
Undervaluedlow confidenceOur blended fair-value estimate for SmartFinancial, Inc. is $123.38 per share, versus a market price of $50.01. That implies 147% of upside — a margin of safety of about 59%.
Fair Value
$123.38
Current Price
$50.01
Upside
+147%
Margin of Safety
59%
How we get there
Discounted cash flow
Discounts projected free cash flow back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about -10.0% annual free-cash-flow growth. We model 20.0% — below our estimate, leaving room for upside if the business executes.
Assumptions: 7.8% discount rate (CAPM), 20.0% stage-1 growth, 2.5% terminal growth, $3.39 EPS, $0.34 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
SMBK Dividend Safety Score
Safe
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| May 15, 2026 | — | $0.0900 | regular |
| Feb 13, 2026 | — | $0.0800 | regular |
| Nov 17, 2025 | — | $0.0800 | regular |
| Aug 8, 2025 | — | $0.0800 | regular |
| May 2, 2025 | — | $0.0800 | regular |
| Jan 31, 2025 | — | $0.0800 | regular |
| Nov 12, 2024 | — | $0.0800 | regular |
| Aug 9, 2024 | — | $0.0800 | regular |
| May 9, 2024 | — | $0.0800 | regular |
| Feb 1, 2024 | — | $0.0800 | regular |
| Nov 10, 2023 | — | $0.0800 | regular |
| Aug 10, 2023 | — | $0.0800 | regular |
| May 11, 2023 | — | $0.0800 | regular |
| Feb 9, 2023 | — | $0.0800 | regular |
Income Calculator
At $0.34 / yr per share
