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SMBK Dividend DRIP Calculator 2026
0.70% YieldFinancial ServicesSmartFinancial, Inc. · NYSE
Price: $47.34 · Annual div: $0.33/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Portfolio growth: DRIP vs No DRIP
Annual dividend income growth
💡 What-if scenarios
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🎯 When SMBK pays your bills
Year your monthly dividend income covers each expense (based on current settings)
Share your SMBK snowball 📈
$10,000 in SMBK → $10.51M in 10 years · $769.86/month
About SmartFinancial, Inc. (SMBK) — Dividend Analysis 2026
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.
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This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 SMBK Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold SMBK.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 0.70% | -2.10% | $70 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 0.59% | -2.21% | $59 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 0.56% | -2.24% | $56 / yr |
| 🇬🇧 UK ISA | 0% | 0.70% | -2.10% | $70 / yr |
| 🇬🇧 UK Taxable | 8.75% | 0.64% | -2.16% | $64 / yr |
| 🇨🇦 TFSA | 0% | 0.70% | -2.10% | $70 / yr |
| 🇨🇦 CA Taxable | 25% | 0.52% | -2.27% | $52 / yr |
| 🇦🇺 Super (pension) | 15% | 0.59% | -2.21% | $59 / yr |
| 🇦🇺 AU Taxable | 30% | 0.49% | -2.31% | $49 / yr |
| 🇩🇪 DE Taxable | 26.375% | 0.52% | -2.28% | $52 / yr |
| 🇫🇷 FR Taxable | 30% | 0.49% | -2.31% | $49 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 SMBK Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $0.33/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 SMBK Dividend Payment Schedule
SMBK pays quarterly — 4 times per year. Next ex-div: TBD.
📊 SMBK vs Financial Services Benchmarks
How SMBK compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for SMBK sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ SMBK Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| Sale | 2026-06-12 | 400 | $45.00 | $18.0K | ||
| Buy | 2026-06-10 | 3,000 | $43.78 | $131.3K | ||
| Buy | 2026-06-04 | 3,000 | $42.12 | $126.4K | ||
| G-Gift | 2026-05-19 | 31,118 | — | — | ||
| G-Gift | 2026-05-19 | 31,118 | — | — | ||
| G-Gift | 2026-05-18 | 24,849 | — | — | ||
| G-Gift | 2026-05-01 | 23,721 | — | — | ||
| G-Gift | 2026-05-01 | 23,721 | — | — | ||
| Buy | 2026-05-04 | 290 | $41.30 | $12.0K | ||
| Sale | 2026-04-24 | 500 | $41.85 | $20.9K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Analyst Price Target
Wall Street consensusAnalyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Insiders are net buyers — historically a positive signal for dividend sustainability. Last purchase: 2026-06-10
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the SMBK dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
SmartFinancial, Inc. (SMBK) is currently trading at $47.34, trading near its 52-week high. The current dividend yield is 0.70% based on an annual payout of $0.33 per share.
SMBK (SmartFinancial, Inc.) — 0.70% Dividend Yield Analysis
SmartFinancial, Inc. (SMBK) is a financial services stock currently trading at $47.34 with a dividend yield of 0.70%. The company pays an annual dividend of $0.33 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, SMBK has grown its dividend at a compound annual rate of 62.6%.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.