SmartFinancial (SMBK) Stock Price, News & Analysis

Company Overview

SmartFinancial, Inc. (NASDAQ: SMBK) is a bank holding company for SmartBank, a community bank that provides financial services to individuals, businesses and organizations. The company offers deposit accounts, consumer and commercial lending, mortgage services, treasury management, online and mobile banking, and wealth management services.

SmartBank was established in 2007 and has expanded through organic growth and acquisitions. Its banking operations serve communities across Tennessee, Alabama and Florida, with branches and lending activities focused primarily on the Southeast.

SmartFinancial is led by William G. “Billy” Carroll, who serves as president and chief executive officer. Through SmartBank, the company combines traditional branch banking with digital services and specialized financial solutions for retail and commercial customers.

Key Stats

• Today's Range: $49.72 to $50.71
• 50-Day Range: $49.52 to $53.19
• 52-Week Range: $33.01 to $54.14
• Volume: 91,532 shs
• Average Volume: 94,650 shs
• Market Capitalization: $857.94 million
• P/E Ratio: 23.45
• Dividend Yield: 0.72%
• Price Target: $50.42
• Consensus Rating: Moderate Buy

SmartFinancial Stock Analysis - MarketRank™

SmartFinancial scored higher than 69% of companies evaluated by MarketBeat, and ranked 444th out of 833 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 2.57, and is based on 1 strong buy rating, 2 buy ratings, 4 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 4 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 23.45, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.83.

Price to Earnings Ratio vs. Sector

The P/E ratio of SmartFinancial is 23.45, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.62.

Price to Book Value per Share Ratio

SmartFinancial has a P/B Ratio of 1.85. 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 0.72%, 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 10.62%. 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: 2.8 / 5
• News Sentiment: 0.50

News Sentiment

SmartFinancial has a news sentiment score of 0.50. 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 1 article on an average week.

Search Interest

1 people have searched for SMBK on MarketBeat in the last 30 days.

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 $34,654.00 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

• Last Earnings: 7/21/2025
• Record date for 8/17 Dividend: 7/31/2026
• Ex-Dividend for 8/17 Dividend: 7/31/2026
• Dividend Payable: 8/17/2026
• Today: 10/08/2026
• Next Earnings (Estimated): 10/19/2026
• Fiscal Year End: 12/31/2026

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: $50.42
• High Price Target: $60.00
• Low Price Target: $39.50
• Potential Upside/Downside: +0.5%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.57
• Research Coverage: 7 Analysts

Profitability

• EPS (Trailing Twelve Months): $3.39
• Trailing P/E Ratio: 23.45
• Forward P/E Ratio: 20.48
• 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: $210.19 million
• Price / Sales: 4.08
• Cash Flow: $3.98 per share
• Price / Cash Flow: 12.60
• Book Value: $27.06 per share
• Price / Book: 1.85

Miscellaneous

• Outstanding Shares: 17,098,000
• Free Float: 15,626,000
• Market Cap: $857.94 million
• Optionable: Optionable
• Beta: 0.71