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SmartFinancial Enters $100M Subordinated Note Agreement

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SmartFinancial Enters $100M Subordinated Note Agreement

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SmartFinancial ( (SMBK) ) has provided an announcement.

On August 20, 2025, SmartFinancial, Inc. entered into a Subordinated Note Purchase Agreement with institutional accredited investors and qualified institutional buyers, resulting in the sale of $100 million in subordinated notes due 2035. The proceeds are intended for general corporate purposes, including redeeming up to $40 million of existing notes due 2028. This strategic financial maneuver aims to enhance SmartFinancial’s capital structure and potentially improve its market positioning by qualifying the notes as Tier 2 capital for regulatory purposes.

The most recent analyst rating on (SMBK) stock is a Buy with a $40.00 price target. To see the full list of analyst forecasts on SmartFinancial stock, see the SMBK Stock Forecast page.

Spark’s Take on SMBK Stock

According to Spark, TipRanks’ AI Analyst, SMBK is a Outperform.

SmartFinancial’s strong financial performance and positive earnings call are the most significant factors contributing to the score. The company’s robust balance sheet and consistent revenue growth are complemented by a positive technical trend. Valuation is fair, with no major concerns. The overall outlook is positive, with room for improvement in cash flow management.

To see Spark’s full report on SMBK stock, click here.

More about SmartFinancial

Average Trading Volume: 60,354

Technical Sentiment Signal: Buy

Current Market Cap: $594.2M

See more insights into SMBK stock on TipRanks’ Stock Analysis page.

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