SmartFinancial (SMBK) Stock Price, News & Analysis

Company Overview

SmartFinancial, Inc. is a bank holding company headquartered in Knoxville, Tennessee, and the parent company of SmartBank. Through SmartBank, the company provides community banking services to individuals, families, businesses and nonprofit organizations.

SmartBank’s products and services include checking and savings accounts, certificates of deposit, consumer and commercial lending, residential mortgages, treasury management and online and mobile banking. The bank also offers wealth management and insurance-related services through affiliated or specialized business lines.

Founded in 2007, SmartBank has expanded its presence across markets in Tennessee, Alabama and Florida. Its branch network and digital platforms serve customers throughout the Southeast, with an emphasis on relationship-based banking and locally focused lending. Billy Carroll serves as president and chief executive officer of SmartFinancial and SmartBank.

Key Stats

• Today's Range: $47.78 to $48.85
• 50-Day Range: $47.61 to $52.33
• 52-Week Range: $34.50 to $54.14
• Volume: 115,122 shs
• Average Volume: 96,659 shs
• Market Capitalization: $827.95 million
• P/E Ratio: 22.63
• Dividend Yield: 0.74%
• Price Target: $52.60
• Consensus Rating: Moderate Buy

SmartFinancial Stock Analysis - MarketRank™

SmartFinancial scored higher than 66% of companies evaluated by MarketBeat, and ranked 441st out of 843 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: 2.5 / 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 strong buy ratings, 3 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: 2.5 / 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 22.63, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.56.

Price to Earnings Ratio vs. Sector

The P/E ratio of SmartFinancial is 22.63, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 19.62.

Price to Book Value per Share Ratio

SmartFinancial has a P/B Ratio of 1.79. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: N/A
• Short Interest Level: N/A

Short Interest

There is no current short interest data available for SMBK.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

SmartFinancial has a dividend yield of 0.75%, 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 9.78%. 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 12.16% next year. This indicates that SmartFinancial will be able to sustain or increase its dividend.

News and Social Media

• Score: 2.2 / 5
• News Sentiment: 0.57

News Sentiment

SmartFinancial has a news sentiment score of 0.57. 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 news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for SmartFinancial this week, compared to 2 articles on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, SmartFinancial insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $371,332.00 in company stock.

Percentage Held by Insiders

6.93% 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.

Company Calendar

• Record date for 8/17 Dividend: 7/31/2026
• Ex-Dividend for 8/17 Dividend: 7/31/2026
• Dividend Payable: 8/17/2026
• Today: 11/09/2026
• Record date for 12/1 Dividend: 11/16/2026
• Ex-Dividend for 12/1 Dividend: 11/16/2026
• Dividend Payable: 12/01/2026
• Fiscal Year End: 12/31/2026
• Next Earnings (Estimated): 1/19/2027

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:SMBK
• Previous Symbol: OTCMKTS:CSBQ
• CIK: 1038773
• Web: www.smartfinancialinc.com
• Phone: (865) 437-5700
• Fax: N/A
• Employees: 589
• Year Founded: 2012

Price Target and Rating

• Average Price Target for SmartFinancial: $52.60
• High Price Target: $60.00
• Low Price Target: $47.00
• Potential Upside/Downside: +8.6%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 6 Analysts

Profitability

• EPS (Trailing Twelve Months): $3.68
• Trailing P/E Ratio: 22.63
• Forward P/E Ratio: 16.36
• 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: $220.61 million
• Price / Sales: 3.75
• Cash Flow: $3.84 per share
• Price / Cash Flow: 12.60
• Book Value: $27.06 per share
• Price / Book: 1.79

Miscellaneous

• Outstanding Shares: 17,098,000
• Free Float: 15,626,000
• Market Cap: $827.95 million
• Optionable: Optionable
• Beta: 0.74