48.50
+1.61%
Close of 9 Nov 2026, in USD
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About SmartFinancial
From its filings with the US Securities and Exchange Commission
SmartFinancial is based in Knoxville, Tennessee and is incorporated in Tennessee. Its shares trade on NYSE under the ticker SMBK. The SEC classifies its business as national commercial banks. In the fiscal year to 31 December 2024, it reported net income of $36.1m.
The primary activity of SmartFinancial is the ownership and operation of SmartBank (the “Bank”). As a bank holding company, SmartFinancial intends to facilitate SmartBank’s ability to provide financial services to its customers. The holding company structure also provides flexibility for expansion through the possible acquisition of other financial institutions and the provision of additional banking-related services, as well as certain non-banking services, which a traditional commercial bank may not provide under present laws.
SmartBank is a Tennessee-chartered commercial bank established in 2007 with its principal office in Pigeon Forge, Tennessee. The principal business of the Bank consists of attracting deposits from the general public and investing those funds, together with funds generated from operations and from principal and interest payments on loans, primarily in commercial loans, commercial and residential real estate loans, leases, consumer loans and residential and commercial construction loans. Funds not invested in the loan and lease portfolio are invested by the Bank primarily in obligations of the U.S. Government, U.S. Government agencies, and various states and their political subdivisions. In addition to deposits, sources of funds for the Bank’s loans and leases and other investments include amortization and prepayment of loans and leases, sales of loans and leases or participations of loans, sales of its investment securities and borrowings from other financial institutions.
Quoted from its 10-K, filed 16 Mar 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 21 Jun 2001
- Employees
- 581
- Website
- smartfinancialinc.com ↗
- Head office
- 5401 KINGSTON PIKE, KNOXVILLE, TN, 37919
- Incorporated in
- TN
- Classification
- National Commercial Banks
- Filer status
- Accelerated filer
Leadership
Pay as last reported
- Mr. Wesley WelbornExecutive Chairman of the Board, since 2005$577,861
- Mr. William CarrollPresident, Chief Executive Officer, Director, since 2015$1.0m
- Mr. William CarrollVice Chairman of the Board$251,786
- Mr. Ronald GorczynskiChief Financial Officer, Executive Vice President of SmartFinancial and SmartBank$517,848
- Ms. Rebecca BoydExecutive Vice President , Chief People Officer of SmartBank
- Mrs. Cynthia CainExecutive Vice President, Chief Accounting Officer of SmartBank$413,356
- Mr. Rhett JordanExecutive Vice President, Chief Credit Officer of SmartBank$474,926
- Mr. Martin SchrodtExecutive Vice President, Chief Banking Officer of SmartBank
- Mr. David OgleLead Independent Director$105,000
- Ms. Cathy AckermannIndependent Director$80,000
- Mr. Victor BarrettIndependent Director$99,000
- Ms. Kelli ShomakerIndependent Director
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 34
- Environment
- 6
- Social
- 33
- Governance
- 65
- Women in the workforce
- 66%
- Carbon reduction policy
- No
- Human rights policy
- No
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- SmartFinancial Inc possesses several key strengths that contribute to its success in the market. These strengths include:
Weaknesses
- Despite its overall success, SmartFinancial Inc faces certain weaknesses that need to be addressed for sustained growth and competitiveness. These weaknesses include:
Opportunities
- SmartFinancial Inc has several opportunities available in the market that can be exploited to drive growth and gain a competitive edge. These opportunities include:
Threats
- While SmartFinancial Inc has experienced success, it faces potential threats that could hinder its growth or profitability. These threats include:
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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