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: $35.41 to $36.82
• 50-Day Range: $31.32 to $36.64
• 52-Week Range: $26.31 to $37.72
• Volume: 64,758 shs
• Average Volume: 53,953 shs
• Market Capitalization: $623.63 million
• P/E Ratio: 17.12
• Dividend Yield: 0.87%
• Price Target: $38.25
• Consensus Rating: Moderate Buy

SmartFinancial Stock Analysis - MarketRank™

SmartFinancial scored higher than 61% of companies evaluated by MarketBeat, and ranked 536th out of 920 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: 1.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

SmartFinancial has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on no buy ratings, 3 hold ratings, and no sell ratings.

Amount of Analyst Coverage

SmartFinancial has only been the subject of 3 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 17.12, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 28.44.

Price to Earnings Ratio vs. Sector

The P/E ratio of SmartFinancial is 17.12, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.41.

Price to Book Value per Share Ratio

SmartFinancial has a P/B Ratio of 1.35. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.58% 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 1.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in SmartFinancial has recently decreased by 10.54%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

SmartFinancial has a dividend yield of 0.91%, 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 12.96%. 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

0.58% 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 1.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in SmartFinancial has recently decreased by 10.54%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.3 / 5
• News Sentiment: 1.21

News Sentiment

SmartFinancial has a news sentiment score of 1.21. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 1.05 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for SmartFinancial this week, compared to 2 articles on an average week.

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 on January 1st, 2025. Since then, SMBK shares have increased by 18.3% and is now trading at $36.6410.

How were SmartFinancial's earnings last quarter?

SmartFinancial, Inc. (NASDAQ:SMBK) announced its quarterly earnings data on Monday, July, 21st. The bank reported $0.69 earnings per share for the quarter, beating analysts' consensus estimates of $0.66 by $0.03. SmartFinancial had a net margin of 12.67% and a trailing twelve-month return on equity of 7.33%.

Who are SmartFinancial's major shareholders?

SmartFinancial's top institutional shareholders include Geode Capital Management LLC (1.98%), American Century Companies Inc. (1.53%), Salzhauer Michael (1.33%) and CSM Advisors LLC (1.04%). Insiders that own company stock include David Austin Ogle, William Young Jr Carroll, Geoffrey Alan Wolpert, Wesley Miller Welborn, Keith Edward Whaley, Gary Wayne Petty Jr, Cathy G Ackermann, Rhett D Jordan and John M Presley.
View institutional ownership trends.

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: 7/21/2025
• Record date for 8/25 Dividend: 8/08/2025
• Ex-Dividend for 8/25 Dividend: 8/08/2025
• Today: 8/24/2025
• Dividend Payable: 8/25/2025
• Next Earnings (Estimated): 10/20/2025
• 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 Price Target for SmartFinancial: $38.25
• High Price Target: $44.00
• Low Price Target: $31.00
• Potential Upside/Downside: +4.4%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.47
• Trailing P/E Ratio: 17.12
• Forward P/E Ratio: 14.96
• 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: $187.06 million
• Price / Sales: 3.33
• Cash Flow: $2.91 per share
• Price / Cash Flow: 12.60
• Book Value: $27.06 per share
• Price / Book: 1.35

Miscellaneous

• Outstanding Shares: 17,020,000
• Free Float: 15,626,000
• Market Cap: $623.63 million
• Optionable: Optionable
• Beta: 0.76