SMBK (SmartFinancial) Issuance of Debt: $100.1 Mil (TTM As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

SMBK SmartFinancial Inc SMBK
68 GF Score
Price $50.64
GF Value $40.44
Valuation Modestly Overvalued
! 5 Warning Signs
View Full Analysis

What is SmartFinancial Issuance of Debt?

SmartFinancial SMBK -0.61% 68 Issuance of Debt is $100.1 Mil as of Jun. 2026. GuruFocus rates SMBK with a GF Score™ of 68/100 and a GF Value™ of $40.44 (Modestly Overvalued). The stock has 5 warning signs investors should review.

SmartFinancial's Issuance of Debt for the three months ended in Jun. 2026 was $0.0 Mil.

SmartFinancial's Issuance of Debt for the trailing twelve months (TTM) ended in Jun. 2026 was $100.1 Mil.

SmartFinancial Issuance of Debt Related Terms

SmartFinancial Issuance of Debt Historical Data

* Premium members only.

The historical data trend for SmartFinancial's Issuance of Debt can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

SmartFinancial Issuance of Debt Chart

SmartFinancial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Issuance of Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 8.20 30.89 26.28 160.10 101.07

SmartFinancial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Issuance of Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 98.58 1.49 0.00 0.00
SMBK
68GF Score
SmartFinancial Inc SMBK
Issuance of Debt is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

SmartFinancial Issuance of Debt Calculation

Issuance of Debt represents all the cash inflow from debt, including both long-term debt and short-term debt.

Issuance of Debt for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $100.1 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Issuance of Debt →
What does a Issuance of Debt of $100.1 Mil mean?
SmartFinancial (SMBK) has a Issuance of Debt of $100.1 Mil as of Jun. 2026. Issuance of Debt is all the cash inflow from debt, including both long-term debt and short-term debt. View historical data on SmartFinancial and its competitors.
Is SmartFinancial's Issuance of Debt too high?
SmartFinancial's current Issuance of Debt is $100.1 Mil. Overall, SmartFinancial has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SmartFinancial's Issuance of Debt compare to SMBC and GSBC?
SmartFinancial's Issuance of Debt of $100.1 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Issuance of Debt for a Banks company?
A good Issuance of Debt depends on the Banks industry context. However, Issuance of Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Issuance of Debt mean?
A high Issuance of Debt can signal that a stock is expensive relative to its fundamentals. Issuance of Debt is all the cash inflow from debt, including both long-term debt and short-term debt. View historical data on SmartFinancial and its competitors. SmartFinancial's current Issuance of Debt is $100.1 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SmartFinancial stock overvalued right now?
Based on GuruFocus' analysis, SmartFinancial (SMBK) is currently considered Modestly Overvalued. The stock's GF Value™ is $40.44, compared to a current price of $50.64 — trading 25.2% above its estimated fair value. The current Issuance of Debt is $100.1 Mil. SmartFinancial's overall GF Score™ is 68/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Issuance of Debt calculated?
Issuance of Debt is calculated from a company's financial statements. For SmartFinancial (SMBK), the current Issuance of Debt is $100.1 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is SmartFinancial (SMBK) Overvalued in 2026?

Based on GuruFocus' analysis, SmartFinancial stock appears to be overvalued. The current stock price of $50.64 is trading 25.2% above its estimated GF Value™ of $40.44. GuruFocus considers SmartFinancial to be Modestly Overvalued.

Key valuation signals for SMBK:

  • Issuance of Debt: $100.1 Mil
  • GF Value™: $40.44 vs. price of $50.64 (25.2% above fair value)
  • GF Score™: 68/100 with 5 warning signs

No single metric tells the full story. See the SMBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

SmartFinancial Business Description

Address 5401 Kingston Pike, Suite 600, Knoxville, TN, USA, 37919
SmartFinancial Inc operates as a bank holding company for SmartBank. It offers various banking and financial services to individuals and corporate customers. 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, mainly in commercial loans, commercial and residential real estate loans, consumer loans, and residential and commercial construction loans. The primary source of revenue is interest income from earning assets, namely loans and securities.
68GF Score

Get the complete analysis for SMBK

Issuance of Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$50.64
Price
$40.44
GF Value