Trailing Dividend / Share
$0.32
SmartFinancial, Inc. (SMBK) Dividend History
Income profile from 2003 to 2026 with payout safety and yield-on-cost trend
Dividend Yield
0.7%
Payout Ratio
10.8%
Sustainable
Dividend Streak
0 years
SMBK Dividend Income Check
Safety
10.8% payout ratio with sustainable safety profile.
Consistency
0 straight years of dividend increases.
Income Trend
Yield on cost is 1.8% and trend is rising.
SMBK Dividend Scorecard
Yield & Income
Dividend Yield0.7%
Trailing DPS$0.32
FrequencySemi-Annual
Payments / 12M4
Payout Safety
Earnings Payout10.8%
Earnings SafetySustainable
FCF Payout9.7%
FCF SafetyWell Covered
Piotroski F-Score6/9
Growth
Growth Streak0 years
3Y CAGR4.6%
5Y CAGR9.9%
Yield on Cost (5Y)1.8%
YOC Trendrising
Total Returns
Buyback Yield0.0%
Total Shareholder Yield0.7%
1Y Total Return41.8%
5Y Total Return92.6%
Div Contribution (5Y)6.3%
Estimated $10K growth (return + dividends):
5Y ago$19,25810Y ago$29,82420Y ago$10,610
Uses precomputed total return metrics from screening data (not lot-by-lot dividend reinvestment transactions). Different time windows can produce different outcomes depending on market regime and entry point.
SMBK Income Growth Story
Dividend per share and yield on cost over time (15 years of payments)
SMBK Dividend Safety Story
EPS is the container — dividend is what's drawn out
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Monthly dividend calendar — upcoming ex-dates for stocks you follow.
Dividend Analysis
Payout Safety
SmartFinancial, Inc. distributes 10.8% of earnings as dividends (Sustainable). When measured against free cash flow—a stricter test—the payout ratio stands at 9.7%, rated "Well Covered".
Piotroski F-Score: 6/9 — moderate financial health.
Growth Track Record
SMBK does not have a current streak of consecutive dividend increases, with a 3-year CAGR of 4.6% and 5-year CAGR of 9.9%.
Total Shareholder Returns
Beyond cash dividends, SMBK returns capital through share repurchases. The combined picture: 0.7% dividend yield, 0.7% total shareholder yield.
Income Trend & Total Return
Yield on cost (5-year basis) has reached 1.8% and is currently rising. The 5-year total return is 92.6%, with dividends contributing 6.3% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $29,824 today.
SMBK Recent Dividend Payments
Last 20 payments · Semi-Annual
TTM Total$1.53
Avg/Payment$0.0765
Latest Change+12.5%
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| May 15, 2026Latest | $0.0900 | ↑ +12.5% | 82.40% | Jun 1, 2026 |
| Feb 13, 2026 | $0.0800 | — | 77.16% | Mar 2, 2026 |
| Nov 17, 2025 | $0.0800 | — | 92.46% | Dec 2, 2025 |
| Aug 8, 2025 | $0.0800 | — | 96.30% | Aug 25, 2025 |
| May 2, 2025 | $0.0800 | — | 1.04% | May 19, 2025 |
| Jan 31, 2025 | $0.0800 | — | 90.75% | Feb 18, 2025 |
| Nov 12, 2024 | $0.0800 | — | 88.01% | Nov 27, 2024 |
| Aug 9, 2024 | $0.0800 | — | 1.20% | Aug 26, 2024 |
SMBK Dividend vs Peers
Comparable companies in the same industry
#9 yield in peer group
Div Yield
0.7%
#9 of 9
Safety
Sustainable
10.8% payout
Streak
0Y
9.9% 5Y CAGR
Total Shareholder
0.7%
#9 of 9
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
 SMBKSmartFinancial, Inc. | $777M | 0.7% | 10.8% | 0 | Sustainable |
 SFBSServisFirst Bancshar… | $4.5B | 1.6% | 26.5% | 1 | Sustainable |
3rd  HOMBHome Bancshares, Inc… | $5.6B | 2.8% | 33.4% | 15 | Sustainable |
 SRCE1st Source Corporati… | $1.9B | 2.0% | 24.3% | 9 | Sustainable |
 CADECadence Bank | $7.8B | 2.3% | 34.9% | 13 | Sustainable |
1st  HOPEHope Bancorp, Inc. | $1.7B | 4.2% | 1.2% | 0 | Sustainable |
 BANFBancFirst Corporatio… | $3.9B | 1.6% | 25.9% | 30 | Sustainable |
 FFINFirst Financial Bank… | $4.8B | 2.2% | 41.8% | 15 | Sustainable |
2nd  NBTBNBT Bancorp Inc. | $2.5B | 3.0% | 42.9% | 13 | Sustainable |
SMBK Annual Dividend History (2001–2026)
26 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2026YTD | $0.17 | — | 2 | — | — | — | 0.9% |
| 2025 | $0.32 | 0.0% | 4 | $2.98 | 10.7% | 9.31x | 1.8% |
| 2024 | $0.32 | 0.0% | 4 | $2.14 | 15.0% | 6.69x | 1.8% |
| 2023 | $0.32 | 14.3% | 4 | $1.69 | 18.9% | 5.28x | 1.8% |
| 2022 | $0.28 | 16.7% | 4 | $2.55 | 11.0% | 9.11x | 1.6% |
| 2021 | $0.24 | 20.0% | 4 | $2.22 | 10.8% | 9.25x | 1.3% |
| 2020 | $0.20 | 300.0% | 4 | $1.62 | 12.3% | 8.10x | 1.1% |
| 2019 | $0.05 | — | 1 | $1.89 | 2.6% | 37.80x | 0.3% |
| 2018 | $0.00 | — | 0 | $1.43 | — | — | — |
| 2017 | $0.00 | — | 0 | $0.56 | — | — | — |
What if you invested $1,000 in SMBK back in 2003?
Total return with dividends reinvested · 23+ years of data
Calculate ReturnsHow much would $100/month in SMBK be worth today?
Dollar cost averaging vs lump sum · see how regular investing compounds over time
Run the NumbersIs SMBK Undervalued Right Now?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
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Compare NowSMBK — Frequently Asked Questions
Quick answers to the most common questions about buying SMBK stock.
How much dividend does SMBK pay per share?
SmartFinancial, Inc. (SMBK) pays a trailing 12-month dividend of $0.32 per share, with a current dividend yield of +0.7%. Payments are made Semi-Annual.
When is SMBK's next ex-dividend date?
SMBK's most recent ex-dividend date is N/A. You must own shares before the ex-dividend date to receive the next payment. SMBK typically pays dividends Semi-Annual.
Is SMBK's dividend safe?
SMBK's dividend safety is rated "Sustainable" based on an earnings payout ratio of +10.8% and FCF payout ratio of +9.7%. The dividend history does not yet show a prolonged growth streak.
How many years has SMBK increased its dividend?
SMBK has not maintained a consecutive growth streak recently. The 5-year dividend CAGR is +9.9%.
How often does SMBK pay dividends?
SmartFinancial, Inc. pays dividends Semi-Annual. The trailing 12-month total is $0.32 per share. Dividend data on this page covers 23+ years from 2003 to 2026.
How much would $10,000 invested in SMBK grow with dividend reinvestment?
With dividends reinvested (DRIP), $10,000 invested in SMBK five years ago would be worth approximately $19,258 today. This includes both price appreciation and compounded dividend reinvestment. Use the DRIP calculator above for other time periods.
What is SMBK's yield on cost for long-term holders?
SMBK's yield on cost — the current dividend divided by the original purchase price — is +1.8% for a 5-year holding period. This means long-term holders earn a higher effective yield than today's +0.7% market yield, thanks to consistent dividend growth.