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$30.67 - $43.91
Previous CloseN/A
Volume15.94K
Average Volume (3M)61.23K
Market Cap
$722.92M
Enterprise Value$478.76M
Total Cash (Recent Filing)$1.14B
Total Debt (Recent Filing)$101.67M
Price to Earnings (P/E)12.0
Beta0.98
Next Earnings
Jul 27, 2026EPS Estimate
0.9Next Dividend Ex-DateN/A
Dividend Yield0.84%
Share Statistics
EPS (TTM)3.01
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 Cap0.66
Enterprise Value/Revenue1.51
Enterprise Value/Gross Profit2.48
Enterprise Value/Ebitda6.85
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
Robust Loan & Core Deposit GrowthSustained organic loan growth and stable core deposit inflows deepen client relationships and expand interest‑earning assets without reliance on volatile wholesale funding. Over 2–6 months this supports durable net interest income growth, funding stability, and scalable revenue as the bank expands in target markets.
Conservative Capital And LeverageStrong capital ratios and relatively low leverage provide loss-absorbing capacity and regulatory flexibility. This durable balance‑sheet strength supports continued lending, dividend increases, and strategic hires while limiting downside risk from credit stress or interest‑rate shocks over the medium term.
Improving Cash Generation & ProfitabilityConsistent operating cash flow and strong cash conversion signal that earnings translate into real, deployable cash. Over 2–6 months this underpins sustainable capital returns, reinvestment in technology/branches, and resilience against funding interruptions, supporting long‑term earnings quality.
Bears Say
Margin Compression Vs Peak YearsA sustained step-down from prior peak margins suggests secular pressure from lower asset yields and higher funding costs relative to earlier periods. If competitive deposit pricing or asset yield compression persists, structural NIM headwinds could limit long‑term profitability expansion despite loan growth.
Higher Provisioning From ACL/model ChangeA one‑time model change that raises the allowance can persistently increase provisioning volatility and depress earnings going forward if conservative forecasting becomes the norm. This creates an earnings overhang and reduces distributable capital until provisioning levels stabilize over several quarters.
Expense And Efficiency PressureSustained increases in compensation and strategic hiring to support growth can keep operating leverage muted. Elevated efficiency ratios constrain net income expansion from revenue growth and may limit margin recovery in the medium term unless productivity gains or structural cost cuts are realized.
SmartFinancial News
SMBK FAQ
What was SmartFinancial’s price range in the past 12 months?
SmartFinancial lowest stock price was $30.67 and its highest was $43.91 in the past 12 months.
What is SmartFinancial’s market cap?
SmartFinancial’s market cap is $722.92M.
When is SmartFinancial’s upcoming earnings report date?
SmartFinancial’s upcoming earnings report date is Jul 27, 2026 which is in 77 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 $0.08 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 0.897%.
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 62.0K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $27.1K 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. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers. It operates through Commercial Real Estate, Consumer Real Estate, Construction and Land Development, Commercial and Industrial, and Consumer and Other segments. The company offers noninterest-bearing and interest-bearing checking, interest-bearing demand, savings, money market, time deposit, individual retirement accounts, as well as certificates of deposit. It also provides commercial and residential real estate, consumer real estate, and construction and land development loans; commercial and financial loans; mortgage loans; and direct consumer installment loans, educational, and other revolving credit loans; and overdraft facilities. In addition, the company offers wealth management, insurance, mortgage origination, and Internet and mobile banking services. As of March 1, 2022, it had 41 full-service branches and 2 loan production offices in East and Middle Tennessee, Alabama, and the Florida Panhandle. The company is headquartered 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
6.87% Insiders
13.45% Mutual Funds
3.59% Other Institutional Investors
61.38% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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