SmartFinancial (SMBK)
NYSE:SMBK
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SMBK Stock Chart & Stats
$42.38
-$0.27(-0.87%)
At close: 4:00 PM EST
$42.38
-$0.27(-0.87%)
Day’s Range― - ―
52-Week Range$30.95 - $43.91
Previous CloseN/A
Volume15.94K
Average Volume (3M)61.23K
Market Cap
$744.64M
Enterprise Value$468.85M
Total Cash (Recent Filing)$898.15M
Total Debt (Recent Filing)$101.91M
Price to Earnings (P/E)13.9
Beta0.96
Next Earnings
Jul 27, 2026EPS Estimate
0.9Next Dividend Ex-DateN/A
Dividend Yield0.84%
Share Statistics
EPS (TTM)3.15
Shares Outstanding17,098,473
10 Day Avg. Volume76,213
30 Day Avg. Volume61,232
Financial Highlights & Ratios
PEG Ratio0.31
Price to Book (P/B)1.12
Price to Sales (P/S)1.96
P/FCF Ratio10.47
Enterprise Value/Market Cap0.63
Enterprise Value/Revenue1.45
Enterprise Value/Gross Profit2.33
Enterprise Value/Ebitda6.62
Forecast
1Y Price Target
$48.00Price Target Upside13.26% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)3.53
Revenue Forecast (FY)$222.90M
Bulls Say, Bears Say
Bulls Say
Strong Organic Loan & Deposit GrowthSustained, high single-digit to double-digit organic loan and core deposit growth demonstrates durable franchise expansion in regional markets. Growing low-cost core deposits and strong loan origination support recurring net interest income, funding self-sustained balance-sheet growth over coming quarters.
Improving Capital And Regulatory BuffersRising tangible equity and healthy risk-based capital create durable capacity for lending, absorb credit volatility, and support dividends and strategic investments. Well-above regulatory capital thresholds reduces regulatory risk and preserves optionality for growth or opportunistic acquisitions.
Strong Cash Generation & FCF ConversionConsistent operating cash flow and near-100% FCF conversion indicate high earnings quality and internal funding for capital returns, technology, and branch/digital investments. Reliable cash generation strengthens financial flexibility and reduces dependence on external funding cycles.
Bears Say
Notable Step-up In Total DebtA material increase in borrowings in a short period meaningfully reduces balance-sheet flexibility and increases interest expense sensitivity. If funding costs reaccelerate or credit trends worsen, the higher debt stock could constrain capital actions and limit strategic levers over the next several quarters.
Higher Provisioning From ACL Model UpdateAn allowance model change that boosts provisioning is a structural earnings headwind until reserves stabilize. Persistently higher provisions reduce retained earnings and capital build, and may indicate increased credit loss sensitivity requiring continued monitoring of trends in charge-offs and loan performance.
Competitive Funding And Asset-yield PressureElevated competition for deposits in the Southeast can sustain upward pressure on funding costs and compress net interest margin. Combined with modest asset-yield compression, this structural funding/price squeeze can limit margin recovery even with loan growth, challenging medium-term profitability.
SmartFinancial News
SMBK FAQ
What was SmartFinancial’s price range in the past 12 months?
SmartFinancial lowest stock price was $30.95 and its highest was $43.91 in the past 12 months.
What is SmartFinancial’s market cap?
SmartFinancial’s market cap is $744.64M.
When is SmartFinancial’s upcoming earnings report date?
SmartFinancial’s upcoming earnings report date is Jul 27, 2026 which is in 46 days.
How were SmartFinancial’s earnings last quarter?
SmartFinancial released its earnings results on Apr 20, 2026. The company reported $0.81 earnings per share for the quarter, beating the consensus estimate of $0.78 by $0.03.
Is SmartFinancial overvalued?
According to Wall Street analysts SmartFinancial’s price is currently Undervalued.
Does SmartFinancial pay dividends?
SmartFinancial pays a Quarterly dividend of $0.09 which represents an annual dividend yield of 0.84%. See more information on SmartFinancial dividends here
What is SmartFinancial’s EPS estimate?
SmartFinancial’s EPS estimate is 0.9.
How many shares outstanding does SmartFinancial have?
SmartFinancial has 17,098,473 shares outstanding.
What happened to SmartFinancial’s price movement after its last earnings report?
SmartFinancial reported an EPS of $0.81 in its last earnings report, beating expectations of $0.78. Following the earnings report the stock price went up 0.896%.
Which hedge fund is a major shareholder of SmartFinancial?
Currently, no hedge funds are holding shares in SMBK
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
SmartFinancial Stock Smart Score
Neutral
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$48.00 (13.26% Upside)
$48.00 (13.26% Upside)
Hedge Fund Trend
Increased
By 194.2K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $248.8K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
10.57%
12-Months-Change
Fundamentals
Return on Equity
9.72%
Trailing 12-Months
Asset Growth
9.17%
Trailing 12-Months
Company Description
SmartFinancial
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.
SMBK Company Deck
SMBK Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call described a strong start to 2026 with robust organic loan and core deposit growth, improved net interest margin and net interest income, solid credit metrics, and improving capital and tangible book value. Headwinds noted were mostly manageable and operational: an ACL model-driven uptick in provisioning, modest asset yield compression, seasonally lower noninterest income, selective increases in compensation expense, and heightened competitive pressure that could pressure funding costs. Management provided reasonable near-term guidance (flat NIM in Q2, modest margin improvement later in the year) and reiterated disciplined pricing and liquidity management.View all SMBK earnings summariesSMBK Stock 12 Month Forecast
Average Price Target
$48.00
▲(13.26% Upside)
Technical Analysis
Ownership Overview
6.75% Insiders
13.74% Mutual Funds
16.73% Other Institutional Investors
47.86% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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