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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$33.01 - $54.14
Previous CloseN/A
Volume15.94K
Average Volume (3M)61.23K
Market Cap
$902.46M
Enterprise Value$823.50
Total Cash (Recent Filing)$642.93M
Total Debt (Recent Filing)$99.41M
Price to Earnings (P/E)15.4
Beta0.92
Next Earnings
Oct 26, 2026EPS Estimate
0.96Next Dividend Ex-DateN/A
Dividend Yield0.64%
Share Statistics
EPS (TTM)3.42
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$51.30Price Target Upside21.05% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering5
EPS Forecast (FY)3.66
Revenue Forecast (FY)$226.57M
Bulls Say, Bears Say
Bulls Say
Free Cash FlowSustained FCF generation (~$70M TTM, ~31% growth) indicates robust earnings quality and cash conversion. Durable cash flow supports organic loan growth, dividend payments, capital buildup and discretionary investments, reducing reliance on external financing across business cycles.
Loan GrowthRecurring 15% annualized loan growth shows persistent commercial demand and scalable origination capacity in core Southeastern markets. Strong loan production drives net interest income expansion and franchise share gains when matched with solid deposit capture and disciplined credit underwriting.
Capital & Asset QualityWell-capitalized ratios (TCE 8%, risk-based capital 12.7%) combined with very low NPAs and charge-offs demonstrate conservative underwriting and loss-absorbing capacity. This structural strength supports continued lending, dividend policy and regulatory flexibility through economic cycles.
Bears Say
Short-term Brokered FundingReliance on ~$106M of short-term brokered funding indicates episodic funding stress amid rapid loan growth. If brokered balances persist or expand, the bank faces higher recurring funding costs and greater roll-over risk, which can compress NIM and raise funding volatility over months.
Deposit Cost PressureManagement forecasts steady deposit cost increases and a modest near-term NIM dip to ~3.45%. Persistent upward pressure on deposit pricing erodes net interest margin durability, requiring sustained loan yield improvements or noninterest income growth to offset margin compression.
Expense Base & EfficiencyRising noninterest expenses and low‑60% operating efficiency reflect structural cost pressures from staffing and branch/support expansion. Without continued revenue leverage, a higher cost base can cap long-term ROE and limit the scalability of earnings amid competitive margin headwinds.
SmartFinancial News
SMBK FAQ
What was SmartFinancial’s price range in the past 12 months?
SmartFinancial lowest stock price was $33.01 and its highest was $54.14 in the past 12 months.
What is SmartFinancial’s market cap?
SmartFinancial’s market cap is $902.46M.
When is SmartFinancial’s upcoming earnings report date?
SmartFinancial’s upcoming earnings report date is Oct 26, 2026 which is in 71 days.
How were SmartFinancial’s earnings last quarter?
SmartFinancial released its earnings results on Jul 20, 2026. The company reported $0.96 earnings per share for the quarter, beating the consensus estimate of $0.902 by $0.058.
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 0.64%. See more information on SmartFinancial dividends here
What is SmartFinancial’s EPS estimate?
SmartFinancial’s EPS estimate is 0.96.
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 $0.96 in its last earnings report, beating expectations of $0.902. Following the earnings report the stock price went up 1.95%.
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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9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$51.30 (21.05% Upside)
$51.30 (21.05% Upside)
Hedge Fund Trend
Increased
By 194.2K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $217.0K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
10.57%
12-Months-Change
Fundamentals
Return on Equity
0.64%
Trailing 12-Months
Asset Growth
11.37%
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
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented a strong operational quarter with notable loan growth (15% annualized), improved NII and NIM expansion, solid asset quality (NPAs 23 bps, net charge-offs 5 bps), growing TBV and tangible momentum toward the $1 EPS quarterly target. Near-term challenges include deposit cost pressure, use of $106 million in short-term brokered funding, modestly higher expenses tied to compensation and branch/support expansion, and a forecasted slight margin dip in Q3. Overall, the positive growth, margin resilience, strong credit metrics and capital position outweigh the near-term funding and expense headwinds.View all SMBK earnings summariesSMBK Stock 12 Month Forecast
Average Price Target
$51.30
▲(21.05% Upside)
Technical Analysis
Ownership Overview
6.76% Insiders
14.25% Mutual Funds
16.08% Other Institutional Investors
46.80% Public Companies and
Individual Investors