SmartFinancial (SMBK) vs First Financial (THFF)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 7, 2026.
Summary
SmartFinancial (SMBK) has outperformed First Financial (THFF) over the past year, gaining 43.1% versus a gain of 36.3%. Over five years, SMBK leads with a +93.5% price change compared with +74.6% for THFF. First Financial is the larger company by market cap ($873.1 million vs $855.6 million), about 1.0 times the size.
On valuation, First Financial trades at a lower forward P/E (8.9x vs 11.9x for SmartFinancial). First Financial offers the higher dividend yield (2.98% vs 0.66%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | SMBK | THFF |
|---|---|---|
| Share price | $50.04 | $73.42 |
| Market cap | $855.61M | $873.10M |
| 1-day change | -2.36% | -1.30% |
| YTD return | +35.28% | +21.52% |
| 1-year return | +43.05% | +36.32% |
| 5-year return | +93.50% | +74.60% |
| P/E ratio (TTM) | 14.76 | 10.28 |
| Forward P/E | 11.94 | 8.93 |
| EPS (TTM) | $3.39 | $7.14 |
| Dividend yield | 0.66% | 2.98% |
| Annual dividend | $0.33 | $2.19 |
| 52-week high | $54.14 | $84.17 |
| 52-week low | $33.01 | $51.21 |
| Distance from 52-week high | -7.57% | -12.77% |
| Average volume | 122.08K | 106.05K |
| Shares outstanding | 17.10M | 11.89M |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- SmartFinancial trades at a higher earnings multiple (14.8x vs 10.3x trailing P/E).
- First Financial offers a meaningfully higher dividend yield (2.98% vs 0.66%).
SMBK vs THFF FAQ
Which is bigger, SmartFinancial or First Financial?
First Financial (THFF) is larger, with a market capitalization of $873.10M compared with $855.61M for SmartFinancial (SMBK).
Which stock has performed better over the past year, SMBK or THFF?
SMBK returned +43.05% over the past 12 months, compared with +36.32% for THFF (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, SMBK or THFF?
THFF has the lower trailing P/E at 10.3, versus 14.8 for SMBK. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, SmartFinancial or First Financial?
First Financial has the higher yield at 2.98%, compared with 0.66% for SmartFinancial.
Are SmartFinancial and First Financial in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.