SmartFinancial (SMBK) Stock Price, News & Analysis

Company Overview

SmartFinancial, Inc. is the bank holding company for SmartBank, a community‐focused financial institution headquartered in Nashville, Tennessee. Through its banking subsidiary, the company delivers a broad range of commercial and consumer banking solutions to individuals, small businesses and middle‐market corporations. SmartFinancial emphasizes relationship-driven service, leveraging local decision-making to customize lending and deposit products that support both personal and professional financial goals.

SmartBank’s product portfolio includes deposit accounts, residential and commercial mortgage loans, construction and land acquisition financing, treasury and cash management services, and a variety of insurance and wealth management offerings. The institution’s commercial clients benefit from business lines of credit, term loans and equipment financing, while retail clients access checking and savings accounts, home equity lines of credit and digital banking solutions. In addition to traditional banking, SmartBank maintains a dedicated insurance agency arm, providing property and casualty, life and health coverage through local agents.

Originally chartered in 2007, SmartBank established its community banking roots in Tennessee before expanding into markets across central and western Kentucky. Over time, the institution has grown its branch network to serve key regions such as Nashville, Louisville, Bowling Green and surrounding suburbs, while maintaining a commitment to reinvest in the communities where it operates. Through strategic branch openings and selective acquisitions, the company has broadened its geographic footprint while preserving its focus on relationship banking and localized service.

SmartFinancial’s leadership team is comprised of seasoned banking professionals who prioritize conservative underwriting, strong credit quality and responsive customer support. Under the guidance of President and Chief Executive Officer Kenneth A. Robinson, the company has pursued disciplined growth strategies and technology investments designed to enhance operational efficiency and client satisfaction. With a board of directors drawn from diverse industries, SmartFinancial continues to align its governance practices with its mission of delivering personalized financial solutions to individuals and businesses in its core markets.

Key Stats

• Today's Range: $35.15 to $35.48
• 50-Day Range: $30.33 to $36.08
• 52-Week Range: $24.33 to $37.72
• Volume: 33,884 shs
• Average Volume: 54,145 shs
• Market Capitalization: $598.85 million
• P/E Ratio: 16.44
• Dividend Yield: 0.91%
• Price Target: $33.70
• Consensus Rating: Hold

SmartFinancial Stock Analysis - MarketRank™

SmartFinancial scored higher than 59% of companies evaluated by MarketBeat, and ranked 633rd out of 906 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 16.44, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.87.

Price to Earnings Ratio vs. Sector

The P/E ratio of SmartFinancial is 16.44, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.02.

Price to Book Value per Share Ratio

SmartFinancial has a P/B Ratio of 1.30. 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

0.62% 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 1.5, 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 29.60%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

SmartFinancial has a dividend yield of 0.90%, 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

0.62% 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 1.5, 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 29.60%, indicating that investor sentiment is improving 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 shares have increased by 13.6% and is now trading at $35.1890.

How were SmartFinancial's earnings last quarter?

SmartFinancial, Inc. (NASDAQ:SMBK) announced its earnings results on Monday, October, 21st. The bank reported $0.54 earnings per share (EPS) for the quarter, topping the consensus estimate of $0.49 by $0.05. The bank had revenue of $73.10 million for the quarter, compared to analysts' expectations of $42.32 million. SmartFinancial had a trailing twelve-month return on equity of 7.33% and a net margin of 12.67%.

Who are SmartFinancial's major shareholders?

Top institutional investors of SmartFinancial include Harbor Capital Advisors Inc. (0.03%). 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: 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: 7/11/2025
• 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 Price Target for SmartFinancial: $33.70
• High Price Target: $42.00
• Low Price Target: $28.00
• Potential Upside/Downside: -5.6%
• Consensus Rating: Hold
• Rating Score (0-4): 2.40
• Research Coverage: 5 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.26
• Trailing P/E Ratio: 16.68
• Forward P/E Ratio: 14.57
• 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: 3.41
• Cash Flow: $2.83 per share
• Price / Cash Flow: 12.60
• Book Value: $27.06 per share
• Price / Book: 1.32

Miscellaneous

• Outstanding Shares: 17,018,000
• Free Float: 15,626,000
• Market Cap: $607.37 million
• Optionable: Optionable
• Beta: 0.70