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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
$823.29M
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 Covering2
EPS Forecast (FY)3.66
Revenue Forecast (FY)$226.57M
Bulls Say, Bears Say
Bulls Say
Sustained Revenue & Earnings GrowthMulti-year revenue and earnings expansion reflects durable loan and deposit franchise growth and successful commercial lending execution. Sustained top-line growth increases scale, supports margin leverage and reinvestment capacity, and makes operating performance less dependent on one-off items.
Strong Operating Cash Flow & Free Cash FlowHigh and improving cash conversion indicates earnings quality and funds internal growth, dividends, and capital needs without heavy external financing. Consistent FCF supports strategic investment in branches, digital channels, and targeted hires while preserving balance-sheet optionality.
Healthy Credit Metrics & Capital BuildVery low NPAs and strong capital ratios provide a durable buffer against credit stress and regulatory constraints. Conservative credit performance plus rising tangible equity underpin the bank's capacity to grow loans, absorb cyclical shocks, and maintain investor and regulator confidence.
Bears Say
Notable Increase In Total DebtA material rise in borrowings more than doubles interest-bearing liabilities and can elevate funding cost sensitivity and rollover risk. Higher debt constrains tactical balance-sheet moves, narrows capital cushion under stress, and could pressure net interest margin if funding costs climb.
Higher Provisioning From ACL Model ChangeModel-driven allowance increases signal more conservative credit recognition but depress near-term earnings and tie up capital that might otherwise support growth or returns. Persistently higher provisions could limit dividend flexibility and slow ROE improvement until credit normalization.
Competitive Funding Pressure & Yield Compression RiskSustained regional competition for deposits and lending can push funding costs higher and compress asset yields, eroding net interest margin. For a franchise reliant on NII, prolonged pricing pressure risks margin volatility, reduced profitability, and the need for cost or fee-income offset measures.
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 $823.29M.
When is SmartFinancial’s upcoming earnings report date?
SmartFinancial’s upcoming earnings report date is Jul 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 $0.09 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?
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
Neutral
1
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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
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
9.72%
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
46.25% Public Companies and
Individual Investors