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$28.08 - $43.91
Previous CloseN/A
Volume15.94K
Average Volume (3M)61.23K
Market Cap
$714.48M
Enterprise Value$442.77M
Total Cash (Recent Filing)$1.04B
Total Debt (Recent Filing)$102.09M
Price to Earnings (P/E)12.3
Beta0.99
Next Earnings
Apr 20, 2026EPS Estimate
0.78Next Dividend Ex-DateN/A
Dividend Yield0.84%
Share Statistics
EPS (TTM)N/A
Shares Outstanding17,096,970
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 Cap0.62
Enterprise Value/Revenue1.40
Enterprise Value/Gross Profit2.30
Enterprise Value/Ebitda6.33
Forecast
1Y Price Target
$45.00Price Target Upside6.18% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)3.53
Revenue Forecast (FY)$223.64M
Bulls Say, Bears Say
Bulls Say
Loan And Deposit GrowthSustained organic loan and core deposit growth expands interest-earning assets while improving low-cost funding mix. Over 2-6 months this durable trend supports higher net interest income, reduces reliance on brokered funding and underpins stable loan-to-deposit and liquidity metrics.
NIM Expansion And Funding Cost ImprovementDemonstrable margin recovery and lower funding costs create a structural lift to core profitability if sustained. Guidance to mid-3.4%–3.5%+ NIM implies durable net interest income growth potential as deposit repricing and mix improvements continue across upcoming quarters.
Conservative Capital And Leverage PositionRelatively conservative leverage and rising equity provide a durable buffer for credit volatility, growth funding and regulatory flexibility. Strong capital ratios and tangible equity expansion support organic growth, buybacks/dividends, and resilience through cyclical stress over the medium term.
Bears Say
Margin Compression Vs 2021–2022 PeakSustained lower margins versus peak years reduce long-term earnings power and leave less room for absorbing credit losses or higher operating costs. If competitive or rate dynamics persist, structural profitability may be lower than historic peaks even with loan growth.
Step-up In Total Debt In 2025A notable increase in outstanding debt shifts funding mix and raises interest expense and refinancing sensitivity. Even from conservative levels, higher debt can pressure capital ratios and earnings if rates rise or asset returns moderate, creating a persistent funding risk over several quarters.
Allowance Model Transition And ACL IncreaseA structural change in provisioning methodology that increases ACL will likely raise forward provisioning and compress near-term reported earnings. It also introduces greater reserve volatility and potential capital impact, affecting earnings sustainability and payout flexibility for coming periods.
SmartFinancial News
SMBK FAQ
What was SmartFinancial’s price range in the past 12 months?
SmartFinancial lowest stock price was $28.08 and its highest was $43.91 in the past 12 months.
What is SmartFinancial’s market cap?
SmartFinancial’s market cap is $714.48M.
When is SmartFinancial’s upcoming earnings report date?
SmartFinancial’s upcoming earnings report date is Apr 20, 2026 which is today.
How were SmartFinancial’s earnings last quarter?
Currently, no data Available
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 0.78.
How many shares outstanding does SmartFinancial have?
SmartFinancial has 17,096,970 shares outstanding.
What happened to SmartFinancial’s price movement after its last earnings report?
Currently, no data Available
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
Outperform
1
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5
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8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$45.00 (6.18% Upside)
$45.00 (6.18% Upside)
Hedge Fund Trend
Increased
By 62.0K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $46.1K 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
9.01%
Trailing 12-Months
Asset Growth
12.26%
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
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented a broadly positive picture: strong organic growth across loans and deposits, record annual earnings, meaningful PPNR expansion (44% YoY), improved efficiency (60% vs. 64%) and low credit metrics (NPA 0.22%, net charge-offs 8 bps). Management is reducing expensive brokered funding, growing core deposits, and guiding toward higher margins through the year. Key negatives were limited and specific: a modest provision and allowance build related to a small fountain equipment loan segment (~$2.4M), a small decline in loan yields, seasonal/compensation-driven near-term expense pressure, and a pending allowance-model-driven slight ACL increase. Overall, the positive items substantially outweigh the isolated headwinds.View all SMBK earnings summariesSMBK Stock 12 Month Forecast
Average Price Target
$45.00
▲(6.18% Upside)
Technical Analysis
Heritage Commerce
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Southern Missouri Bancorp
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Grupo Supervielle SA
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South Plains Financial
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Ownership Overview
6.87% Insiders
13.39% Mutual Funds
0.47% Other Institutional Investors
65.14% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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