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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$32.64 - $50.12
Previous CloseN/A
Volume15.94K
Average Volume (3M)61.23K
Market Cap
$855.09M
Enterprise Value$515.98
Total Cash (Recent Filing)$898.15M
Total Debt (Recent Filing)$101.91M
Price to Earnings (P/E)14.6
Beta0.94
Next Earnings
Oct 26, 2026EPS Estimate
0.96Next Dividend Ex-DateN/A
Dividend Yield0.66%
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 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
Loan Growth & Market ExpansionSustained ~15% annualized loan growth increases interest-earning assets and scales NII over time. Expanding loan book across Southeastern markets deepens client relationships, supports higher recurring revenue, and materially strengthens long-term earnings power and market position.
Strong Cash GenerationHigh and consistent free cash flow (FCF near 94% of net income) underpins capital returns, reinvestment, and balance-sheet flexibility. Reliable cash conversion boosts resilience to cyclical stress and supports durable funding for growth and dividends without heavy external financing.
Capital & Asset QualitySolid capitalization and low asset delinquency provide a durable buffer against credit shocks while enabling continued growth. Conservative reserves and minimal charge-offs support stable credit costs, preserving earnings and permitting disciplined expansion and shareholder distributions over time.
Bears Say
Rising Total DebtA near-doubling of total debt reduces financial flexibility and increases leverage sensitivity to rate or loan-performance shifts. Higher debt may raise funding costs and constrain margins or capital actions if earnings soften, making the franchise more vulnerable in a stressed environment.
Deposit Funding PressureReliance on short-term brokered funding and rising deposit costs indicate structural funding stress. Competition for core deposits can persist, compressing net interest margins and forcing continued use of higher-cost funding, which undermines margin sustainability over the medium term.
Margin Volatility Vs Prior PeaksThough margins have improved recently, they remain volatile versus prior peaks and sensitive to deposit mix and funding costs. This structural variability makes forward earnings less predictable and reduces cushion for reinvestment or distributions if funding or competitive dynamics worsen.
SmartFinancial News
SMBK FAQ
What was SmartFinancial’s price range in the past 12 months?
SmartFinancial lowest stock price was $32.63 and its highest was $50.12 in the past 12 months.
What is SmartFinancial’s market cap?
SmartFinancial’s market cap is $855.09M.
When is SmartFinancial’s upcoming earnings report date?
SmartFinancial’s upcoming earnings report date is Oct 26, 2026 which is in 91 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 0.66%. 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 1.951%.
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
2
3
4
5
6
7
8
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 $230.8K 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
0.66%
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
1.61% Other Institutional Investors
61.40% Public Companies and
Individual Investors