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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 - $49.07
Previous CloseN/A
Volume15.94K
Average Volume (3M)61.23K
Market Cap
$831.67M
Enterprise Value$718.50
Total Cash (Recent Filing)$898.15M
Total Debt (Recent Filing)$101.91M
Price to Earnings (P/E)15.3
Beta0.92
Next Earnings
Jul 20, 2026EPS Estimate
0.9Next Dividend Ex-DateN/A
Dividend Yield0.84%
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
$50.00Price Target Upside17.98% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)3.66
Revenue Forecast (FY)$226.57M
Bulls Say, Bears Say
Bulls Say
Organic Loan And Core Deposit GrowthSustained organic loan growth and stable core deposit inflows meaningfully expand interest-earning assets while limiting reliance on volatile funding. A loan-to-deposit ratio near 86–87% and targeted market expansion (Nashville, Columbus GA) support durable NII growth and funding stability over the medium term.
Improving Net Interest Income And MarginRecent NIM improvement reflects disciplined repricing and lower funding costs (funding down ~18 bps), translating into sustainable earnings upside as long as new loan yields (~6.4% production) and renewal lift persist. Management expects NIM stabilization then modest H2 improvement, supporting mid‑term margin durability.
Strong Credit Quality, Capital Build And Cash GenerationVery low credit losses and a rising capital base (tangible book and equity growth to ~$562M TTM) underpin resilience to stress and enable continued lending and modest capital returns. Consistent operating cash flow and ~94% FCF-to-net-income conversion strengthen long-term financial flexibility and dividend capacity.
Bears Say
Step-up In Total DebtA notable increase in total debt materially reduces balance sheet flexibility relative to prior years. While leverage remains moderate, the doubling of debt amplifies refinancing and interest‑cost risk if earnings soften, which could constrain strategic options or force more conservative growth until leverage is reabsorbed.
Higher Provisioning Driven By ACL Model ChangeThe updated CECL/allowance methodology raised provisions, which reduces reported earnings and may reflect a more conservative, persistent reserve posture. If this higher ACL level remains, it can structurally depress ROE and free cash available for growth or capital returns versus historical norms.
Rising Funding Competition And Cost RiskHeightened competitive intensity in the Southeast on deposits and loans could force higher pricing on liabilities and compress NIM over time. Even with recent funding cost relief, persistent competition can limit margin expansion and make achievement of efficiency and ROE targets more challenging.
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 $49.06 in the past 12 months.
What is SmartFinancial’s market cap?
SmartFinancial’s market cap is $831.67M.
When is SmartFinancial’s upcoming earnings report date?
SmartFinancial’s upcoming earnings report date is Jul 20, 2026 which is tomorrow.
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 $0.09 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 0.896%.
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:
$50.00 (17.98% Upside)
$50.00 (17.98% 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
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
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. 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 Stock 12 Month Forecast
Average Price Target
$50.00
▲(17.98% Upside)
Technical Analysis
Ownership Overview
6.76% Insiders
14.25% Mutual Funds
16.73% Other Institutional Investors
46.26% Public Companies and
Individual Investors