SmartFinancial (SMBK) Stock Price, News & Analysis

Company Overview

SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers in Tennessee, Alabama, and Florida. It operates through Commercial Real Estate, Consumer Real Estate, Construction and Land Development, Commercial and Industrial, Leases, 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 and leases; commercial business and mortgage loans; and direct consumer installment, educational, agriculture, and other revolving credit loans; equipment financing, heavy equipment, semis, and trailers loans and leases to small and mid-size companies; letters of credit; and overdraft facilities. In addition, the company offers wealth management, insurance, mortgage origination, and internet and mobile banking services. SmartFinancial, Inc. is headquartered in Knoxville, Tennessee.

Key Stats

• Today's Range: $35.50 to $36.18
• 50-Day Range: $30.11 to $36.08
• 52-Week Range: $23.09 to $37.72
• Volume: 53,563 shs
• Average Volume: 55,120 shs
• Market Capitalization: $614.01 million
• P/E Ratio: 16.86
• Dividend Yield: 0.89%
• Price Target: $33.70
• Consensus Rating: Hold

SmartFinancial Stock Analysis - MarketRank™

SmartFinancial scored higher than 46% of companies evaluated by MarketBeat, and ranked 1930th out of 2,763 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.2 / 5
• Analyst Rating: Hold

Consensus Rating

SmartFinancial has received a consensus rating of Hold. The company's average rating score is 2.40, and is based on no buy ratings, 4 hold ratings, and no sell ratings.

Amount of Analyst Coverage

SmartFinancial has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 20.82%

Earnings Growth

Earnings for SmartFinancial are expected to grow by 20.82% in the coming year, from $2.45 to $2.96 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of SmartFinancial is 16.86, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 24.97.

Price to Earnings Ratio vs. Sector

The P/E ratio of SmartFinancial is 16.86, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 18.86.

Price to Book Value per Share Ratio

SmartFinancial has a P/B Ratio of 1.33. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.89% of the float of SmartFinancial has been sold short.

Short Interest Ratio / Days to Cover

SmartFinancial has a short interest ratio ("days to cover") of 2.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in SmartFinancial has recently increased by 9.36%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

SmartFinancial has a dividend yield of 0.96%, which is in the bottom 25% of all stocks that pay dividends.

Dividend Growth

SmartFinancial has only been increasing its dividend for 3 years.

Dividend Coverage

The dividend payout ratio of SmartFinancial is 14.16%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, SmartFinancial will have a dividend payout ratio of 10.81% next year. This indicates that SmartFinancial will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.89% of the float of SmartFinancial has been sold short.

Short Interest Ratio / Days to Cover

SmartFinancial has a short interest ratio ("days to cover") of 2.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in SmartFinancial has recently increased by 9.36%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: N/A
• News Sentiment: N/A

Company Ownership

• Score: 0.8 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, SmartFinancial insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 7.62% of the stock of SmartFinancial is held by insiders.

Percentage Held by Institutions

58.78% of the stock of SmartFinancial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

SMBK Stock Analysis - Frequently Asked Questions

How have SMBK shares performed this year?

SmartFinancial's stock was trading at $30.98 at the beginning of the year. Since then, SMBK stock has increased by 16.5% and is now trading at $36.08.

How were SmartFinancial's earnings last quarter?

SmartFinancial, Inc. (NASDAQ:SMBK) released its quarterly earnings data on Monday, October, 21st. The bank reported $0.54 earnings per share for the quarter, beating the consensus estimate of $0.49 by $0.05. The bank earned $73.10 million during the quarter, compared to the consensus estimate of $42.32 million. SmartFinancial had a net margin of 12.67% and a trailing twelve-month return on equity of 7.33%.

How do I buy shares of SmartFinancial?

Shares of SMBK stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of SmartFinancial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that SmartFinancial investors own include NVIDIA (NVDA), Meta Platforms (META), Advanced Micro Devices (AMD), Netflix (NFLX), Tesla (TSLA), Broadcom (AVGO) and First Solar (FSLR).

Company Calendar

• Last Earnings: 10/21/2024
• Record date for 5/19 Dividend: 5/02/2025
• Ex-Dividend for 5/19 Dividend: 5/02/2025
• Dividend Payable: 5/19/2025
• Today: 7/04/2025
• Next Earnings (Confirmed): 7/21/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: National commercial banks
• Sub-Industry: Banking
• Current Symbol: NASDAQ:SMBK
• Previous Symbol: OTCMKTS:CSBQ
• CIK: 1038773
• Web: www.smartfinancialinc.com
• Phone: (865) 437-5700
• Fax: N/A
• Employees: 550
• Year Founded: N/A

Price Target and Rating

• Average Stock Price Target: $33.70
• High Stock Price Target: $42.00
• Low Stock Price Target: $28.00
• Potential Upside/Downside: -6.6%
• Consensus Rating: Hold
• Rating Score (0-4): 2.40
• Research Coverage: 5 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.26
• Trailing P/E Ratio: 16.86
• Forward P/E Ratio: 14.73
• P/E Growth: N/A
• Net Income: $36.14 million
• Net Margins: 12.67%
• Pretax Margin: 14.86%
• Return on Equity: 7.33%
• Return on Assets: 0.71%

Debt

• Debt-to-Equity Ratio: 0.10
• Current Ratio: 0.90
• Quick Ratio: 0.90

Sales & Book Value

• Annual Sales: $178.24 million
• Price / Sales: 3.44
• Cash Flow: $2.86 per share
• Price / Cash Flow: 12.60
• Book Value: $27.06 per share
• Price / Book: 1.33

Miscellaneous

• Outstanding Shares: 17,018,000
• Free Float: 15,626,000
• Market Cap: $614.01 million
• Optionable: Optionable
• Beta: 0.70