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SmartFinancial (SMBK)
NYSE:SMBK
SMBK Stock Chart & Stats
$41.47
-$0.27(-0.87%)
At close: 4:00 PM EST
$41.47
-$0.27(-0.87%)
Day’s Range― - ―
52-Week Range$26.31 - $43.91
Previous CloseN/A
Volume15.94K
Average Volume (3M)61.23K
Market Cap
$706.15M
Enterprise Value$424.41M
Total Cash (Recent Filing)$926.58M
Total Debt (Recent Filing)$139.91M
Price to Earnings (P/E)13.9
Beta0.97
Next Earnings
Apr 27, 2026EPS Estimate
0.78Next Dividend Ex-DateN/A
Dividend Yield0.84%
Share Statistics
EPS (TTM)0.81
Shares Outstanding17,028,002
10 Day Avg. Volume76,213
30 Day Avg. Volume61,232
Financial Highlights & Ratios
PEG Ratio0.53
Price to Book (P/B)1.06
Price to Sales (P/S)1.82
P/FCF Ratio11.22
Enterprise Value/Market Cap0.60
Enterprise Value/Revenue1.38
Enterprise Value/Gross Profit2.30
Enterprise Value/Ebitda6.26
Forecast
1Y Price Target
$45.00Price Target Upside8.51% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Strong Cash GenerationHigh free cash flow conversion (FCF/net income ~97.85%) and near-10% FCF growth provide durable internal funding for loan originations, branch and staff expansion, dividends or capital build. This reduces reliance on external financing and supports multi-quarter strategic flexibility.
Operating Efficiency And PPNR ExpansionA 44% YoY PPNR increase alongside an efficiency ratio improving to ~60% shows sustained revenue diversification and expense control. Structural operating leverage increases profitability resilience, allowing the bank to invest in growth while better absorbing credit stress over several quarters.
Conservative Balance Sheet And CapitalLow leverage (D/E 0.26), solid risk-based capital (~12.7%) and a conservative loan-to-deposit ratio (~85%) create durable liquidity and loss-absorption capacity. This structural strength supports sustained organic lending and reduces refinancing and solvency risk across economic cycles.
Bears Say
Low Return On EquityA modest ROE (~2.6%) indicates the bank currently earns low returns on its capital base, limiting shareholder value creation. Persistently low ROE can hinder the firm's ability to justify retained earnings, attract capital, or fund strategic initiatives without improving margin or asset yields.
Margin Sensitivity To Funding EnvironmentManagement's margin targets depend materially on funding costs and deposit behavior. Structural sensitivity to deposit pricing and market rates means competitive deposit pressure or adverse rate moves could compress NIM and PPNR over the medium term, challenging sustainable profitability.
Credit Pocket And Allowance Model ChangeAn isolated $2.4M provision for a small equipment portfolio and a planned allowance-model transition that may raise ACLs point to localized asset-quality risk and reserve volatility. Higher provisions reduce earnings and slow tangible book value growth until credit normalization occurs.
SmartFinancial News
SMBK FAQ
What was SmartFinancial’s price range in the past 12 months?
SmartFinancial lowest stock price was $26.31 and its highest was $43.91 in the past 12 months.
What is SmartFinancial’s market cap?
SmartFinancial’s market cap is $706.15M.
When is SmartFinancial’s upcoming earnings report date?
SmartFinancial’s upcoming earnings report date is Apr 27, 2026 which is in 70 days.
How were SmartFinancial’s earnings last quarter?
SmartFinancial released its earnings results on Jan 20, 2026. The company reported $0.81 earnings per share for the quarter, beating the consensus estimate of $0.783 by $0.027.
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 17,028,002 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 $0.783. Following the earnings report the stock price went up 3.566%.
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
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$45.00 (8.51% Upside)
$45.00 (8.51% Upside)
Hedge Fund Trend
Increased
By 120.2K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $366.6K 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
▲(8.51% Upside)
Technical Analysis
Heritage Commerce
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Midwestone Financial Group
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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
7.45% Insiders
13.17% Mutual Funds
0.39% Other Institutional Investors
66.07% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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