SmartFinancial (SMBK) Stock Price, News & Analysis

Company Overview

SmartFinancial, Inc. is a bank holding company headquartered in Knoxville, Tennessee, operating through its primary subsidiary, SmartBank. Incorporated in 2006, the company provides a full suite of banking and financial services to individuals, small and middle-market businesses and public entities across its regional footprint. SmartFinancial’s network of branch offices and digital platforms combines community-banking relationships with modern technology to serve its customers’ evolving needs.

Through SmartBank, the company offers a broad range of deposit products, including checking, savings and certificate of deposit accounts, alongside consumer and commercial lending solutions. These lending products encompass residential mortgage loans, home equity lines of credit, construction loans, equipment financing and business lines of credit. SmartFinancial also provides treasury and cash management services, merchant processing and other transaction-related solutions designed to help businesses manage liquidity and day-to-day operations.

SmartFinancial’s geographic focus is on the Southeast, with a concentration of branches and lending teams in East Tennessee and Northern Alabama. The company has expanded over time through both organic growth and strategic acquisitions, aiming to strengthen its presence in key markets such as Knoxville, Chattanooga, Nashville, Huntsville and Birmingham. Digital banking and mobile solutions complement the branch network, allowing customers to access accounts and complete transactions on demand.

The company is governed by an experienced executive leadership team and board of directors with deep expertise in banking, risk management and community development. SmartFinancial emphasizes community engagement and philanthropic initiatives, supporting affordable housing, small-business growth and education programs within the regions it serves.

Key Stats

• Today's Range: $36.65 to $37.56
• 50-Day Range: $32.86 to $37.30
• 52-Week Range: $26.31 to $37.72
• Volume: 44,353 shs
• Average Volume: 53,466 shs
• Market Capitalization: $630.17 million
• P/E Ratio: 17.30
• Dividend Yield: 0.86%
• Price Target: $38.25
• Consensus Rating: Moderate Buy

SmartFinancial Stock Analysis - MarketRank™

SmartFinancial scored higher than 61% of companies evaluated by MarketBeat, and ranked 523rd out of 925 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: 2.1 / 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.

Upside/Downside

The consensus price target for SmartFinancial is close to its current price, suggesting limited near-term upside or downside.

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 17.30, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 278.08.

Price to Earnings Ratio vs. Sector

The P/E ratio of SmartFinancial is 17.30, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 232.42.

Price to Book Value per Share Ratio

SmartFinancial has a P/B Ratio of 1.37. 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

0.66% 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 1.6, 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 14.23%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

SmartFinancial has a dividend yield of 0.86%, 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

0.66% 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 1.6, 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 14.23%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.6 / 5
• News Sentiment: 1.70

News Sentiment

SmartFinancial has a news sentiment score of 1.70. 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 0.97 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 at the start of the year. Since then, SMBK stock has increased by 19.5% and is now trading at $37.0250.

How were SmartFinancial's earnings last quarter?

SmartFinancial, Inc. (NASDAQ:SMBK) released its quarterly earnings results on Monday, July, 21st. The bank reported $0.69 earnings per share (EPS) for the quarter, topping the consensus estimate 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 investors 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
• Dividend Payable: 8/25/2025
• Today: 9/06/2025
• 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: +3.3%
• 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: 17.30
• Forward P/E Ratio: 15.11
• 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: 3.37
• Cash Flow: $2.94 per share
• Price / Cash Flow: 12.60
• Book Value: $27.06 per share
• Price / Book: 1.37

Miscellaneous

• Outstanding Shares: 17,020,000
• Free Float: 15,626,000
• Market Cap: $630.17 million
• Optionable: Optionable
• Beta: 0.81