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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$34.23 - $54.14
Previous CloseN/A
Volume15.94K
Average Volume (3M)118.20K
Market Cap
$824.83M
Enterprise Value$576.88M
Total Cash (Recent Filing)$642.93M
Total Debt (Recent Filing)$110.41M
Price to Earnings (P/E)13.0
Beta0.87
Next Earnings
Jan 25, 2027Next Dividend Ex-DateN/A
Dividend Yield0.7%
Share Statistics
EPS (TTM)3.42
Shares Outstanding17,098,473
10 Day Avg. Volume90,811
30 Day Avg. Volume118,205
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 Cap0.70
Enterprise Value/Revenue1.74
Enterprise Value/Gross Profit2.77
Enterprise Value/Ebitda7.32
Forecast
1Y Price Target
$52.70Price Target Upside24.35% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering5
EPS Forecast (FY)3.74
Revenue Forecast (FY)$226.69M
Bulls Say, Bears Say
Bulls Say
Organic Loan And Deposit GrowthBroad-based organic loan and deposit growth indicates SmartBank is gaining customer relationships rather than relying mainly on purchased funding or isolated portfolios. Continued balance-sheet expansion can support recurring net interest income and strengthen its regional-market position over the next several quarters.
Strong Cash Generation And Earnings QualityStrong free cash flow and close conversion to net income provide internal funding for growth, capital support, and shareholder returns. This cash-generation profile improves resilience if funding conditions become less favorable and suggests reported profitability is translating into usable financial resources.
Sound Credit Quality And Capital FlexibilityLow nonperforming assets and charge-offs indicate that current growth has not been accompanied by broad credit deterioration. Solid regulatory capital also gives SmartBank capacity to absorb losses and continue organic expansion, supporting durability across the regional banking cycle.
Bears Say
Deposit-cost Pressure Limits Margin ExpansionHigher deposit pricing is directly compressing the spread between earning assets and funding, limiting near-term net interest margin expansion. Persistent competition for core deposits could reduce the earnings benefit from loan growth unless asset yields improve enough to offset rising funding costs.
Elevated Operating Expenses And Efficiency RatioRising operating costs and a weaker efficiency ratio reduce the portion of revenue that reaches pre-tax earnings. If investments, professional fees, and repossessed-equipment charges remain elevated, SmartBank may need faster revenue growth to preserve operating leverage and sustain improving returns.
Equipment-finance Delinquency ConcentrationThe increase in delinquencies identifies a specific credit-sensitive area that could require higher provisions or produce losses if transportation borrowers remain pressured. Although currently manageable, deterioration in this portfolio could offset otherwise strong credit metrics and consume capital or earnings.
SmartFinancial News
SMBK FAQ
What was SmartFinancial’s price range in the past 12 months?
SmartFinancial lowest stock price was $34.23 and its highest was $54.14 in the past 12 months.
What is SmartFinancial’s market cap?
SmartFinancial’s market cap is $824.83M.
When is SmartFinancial’s upcoming earnings report date?
SmartFinancial’s upcoming earnings report date is Jan 25, 2027 which is in 94 days.
How were SmartFinancial’s earnings last quarter?
SmartFinancial released its earnings results on Oct 19, 2026. The company reported $1.1 earnings per share for the quarter, beating the consensus estimate of $0.961 by $0.139.
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 0.7%. See more information on SmartFinancial dividends here
What is SmartFinancial’s EPS estimate?
SmartFinancial’s EPS estimate is 1.
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 $1.1 in its last earnings report, beating expectations of $0.961. Following the earnings report the stock price went down -0.772%.
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:
$52.70 (24.35% Upside)
$52.70 (24.35% Upside)
Blogger Sentiment
Neutral
SMBK Sentiment 67%
Sector Average 61%
Sector Average 61%
Hedge Fund Trend
Increased
By 110.3K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $22.7K 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
38.11%
12-Months-Change
Fundamentals
Return on Equity
10.97%
Trailing 12-Months
Asset Growth
9.26%
Trailing 12-Months
Learn more about TipRanks Smart Score
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
Q3 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call was strongly positive overall. Management reported record operating revenue, double-digit organic loan and deposit growth, improved returns, sound credit quality, solid capital ratios, recruiting momentum, and continued confidence in its organic strategy and growth outlook. The main challenges were higher deposit costs, a flat near-term margin outlook, elevated expenses and efficiency costs, equipment-finance delinquencies, softer fourth-quarter fee-income guidance, and the potential impact of additional rate hikes on future pipelines.View all SMBK earnings summariesSMBK Stock 12 Month Forecast
Average Price Target
$52.70
▲(24.35% Upside)
Technical Analysis
Capital City Bank
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First Community Bancshares
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First Financial Indiana
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Hometrust Bancshares
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Business First Bancshares
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Ownership Overview
6.76% Insiders
14.25% Mutual Funds
2.29% Other Institutional Investors
58.11% Public Companies and
Individual Investors