SmartFinancial, Inc.
SMBK
NYSE·Financial Services·Banks - Regional·Mkt cap $886.9M
$51.87
▲ +0.06%
P/E
15.26
Mkt Cap
$886.9M
52-Wk Range
$33.01–$54.14
52-Week Range
$33.01 - $54.14
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 38.3% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
5 reasons
- Regional market expertise and deep community relationships across Southeast markets
- Diversified loan portfolio reducing concentration risk across multiple segments
- Integrated wealth management and insurance services enhancing customer retention
- Digital banking capabilities combined with personalized community bank service model
- Strategic geographic footprint in high-growth Tennessee, Alabama, and Florida markets
Bear Case
2 risks
- Low volatility (beta 0.7).
- Growth premium of 1.2x vs Commercial Banking peers. Reasonable for this growth rate.
Growth
Revenue decline expected
Expansion in high-growth Southeast markets, particularly Florida Panhandle and Tennessee regions
Value
Growth premium of 1.2x vs Commercial Banking peers. Reasonable for this growth rate.
Momentum
Hot
+22.2% over 3m
Quality
Excellent
High-growth business (77% revenue growth, 63% gross margin). Profitable with strong growth momentum.
Dividend
Modest
0.66% yield
Smart-money signal
Who's buying SMBK right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 20, 2026
JUL 20, 2026
Reported EPS of $0.96 vs $0.90 consensus (+6.4% surprise). Revenue of $56.0M vs $55.7M expected (+0.4%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+6.4%
Revenue trend · last 8Q
—
—
+17%
+22%
+7%
+14%
+76%
+10%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$44.2M
$46.8M
$46.8M
$49.2M
$79.2M
$83.8M
$82.2M
$85.9M
Margins · last 8Q
Gross
63.4%
Operating
23.9%
Profit
19.0%
Wall Street consensus
3 analysts · 67% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
67%
Hold
33%
Sell
0%
Median Price Target
—
Latest: Benchmark · Jul 22, 2026
vs Industry
How SMBK stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
Related