SmartFinancial (SMBK) Stock Overview
Operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers in the United States. More details
| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 1/6 |
| Past Performance | 5/6 |
| Financial Health | 6/6 |
| Dividends | 0/6 |
Rewards
Risk Analysis
No risks detected for SMBK from our risk checks.
SMBK Community Fair Values
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Analyst Price Targets
SmartFinancial, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$51.66 |
| 52 Week High | US$54.14 |
| 52 Week Low | US$33.01 |
| Beta | 0.68 |
| 1 Month Change | -0.60% |
| 3 Month Change | 15.70% |
| 1 Year Change | 40.15% |
| 3 Year Change | 129.40% |
| 5 Year Change | 106.72% |
| Change since IPO | 235.45% |
Recent News & Updates
Recent updates
SMBK: Southeast Footprint And P/E Expectations Will Shape Balanced Forward Outlook
SmartFinancial's updated analyst price target has shifted higher from about $46.15 to roughly $50.13 per share, as analysts point to balance sheet growth, stronger loan trends, improving margins, disciplined expenses, and what they view as an attractive Southeast footprint to support their refreshed valuation work. Analyst Commentary Recent research on SmartFinancial highlights a generally optimistic tone, with analysts pointing to company specific execution and regional positioning as key factors behind higher valuation targets.SMBK: Future Earnings Assumptions And P/E Expectations Will Guide Balanced Outlook
Analysts have lifted their SmartFinancial price targets by $3 to $4, citing refreshed assumptions around fair value, discount rate, revenue growth, profit margin, and future P/E. Together, these factors support a higher long term valuation framework.SMBK: Future Earnings Execution And Risk Assumptions Will Shape Balanced Outlook
Analysts have raised their price targets on SmartFinancial by $3 to $4, citing updated views on discount rates, revenue growth, profit margins, and future P/E assumptions that support a refined fair value estimate of $46.15 per share. Analyst Commentary Recent research commentary around SmartFinancial focuses on how the refined fair value estimate and higher price targets line up with expectations for growth, profitability, and valuation discipline.SMBK: Higher Rating And Margin Execution Should Support A More Positive Outlook
SmartFinancial's analyst price target has moved from $44.50 to $46.15, as analysts highlight improved revenue growth and profit margin assumptions, along with a slightly lower future P/E outlook, supported by a series of recent target hikes and an upgrade from major research firms. Analyst Commentary Recent Street research on SmartFinancial has clustered around higher price targets and a rating upgrade, with analysts explicitly tying their numbers to revenue growth assumptions, profit margins and a reset to a slightly lower future P/E.If EPS Growth Is Important To You, SmartFinancial (NYSE:SMBK) Presents An Opportunity
It's common for many investors, especially those who are inexperienced, to buy shares in companies with a good story...SMBK: Higher Rating And Earnings Execution Should Support A More Positive Outlook
Analysts have raised their SmartFinancial price target by $2, reflecting updated views on the bank's earnings profile and valuation following recent research commentary. Analyst Commentary Recent research points to a more constructive stance on SmartFinancial, with the higher price target reflecting updated views on how the bank might execute on its plans and how the shares are valued against those expectations.SMBK: Share Repurchases And Market Positioning Will Support A More Positive Outlook
Analysts have maintained their fair value view on SmartFinancial and raised their price target by $2. They cited updated research, including an increased target from one firm and a more positive stance from another.SMBK: Repurchases And Earnings Power Will Support A More Constructive Outlook
Analysts have raised their price target on SmartFinancial by $2, reflecting updated views on the bank's earnings power and valuation following recent research commentary. Analyst Commentary Bullish Takeaways Bullish analysts view the higher price target as better alignment with their updated assessment of SmartFinancial's earnings power, suggesting they see the bank's current valuation as not fully reflecting its fundamentals.SMBK: Earnings Power And Buybacks Will Shape A Balanced Outlook
SmartFinancial's analyst price target shifts to $44.50, with analysts pointing to refreshed fair value estimates, slightly updated discount rate assumptions, and modest tweaks to projected margins and future P/E as key inputs in their latest models. Analyst Commentary Recent research highlights a generally constructive tone around SmartFinancial, with price targets adjusted to reflect updated fair value work and refreshed assumptions in analyst models.SMBK: Earnings Power And Credit Costs Will Guide A Balanced Outlook
Analysts have increased their price target on SmartFinancial by about $2 to approximately $44, citing updated assumptions around fair value, revenue growth, profit margins and future P/E following recent research updates from multiple firms. Analyst Commentary Recent research updates point to a reassessment of SmartFinancial's valuation, with analysts fine tuning their views on how the bank can execute against its growth plans and maintain profitability at the current price level.SmartFinancial (NYSE:SMBK) Has Affirmed Its Dividend Of $0.08
The board of SmartFinancial, Inc. ( NYSE:SMBK ) has announced that it will pay a dividend on the 2nd of March, with...SMBK: Earnings Power And Credit Costs Will Shape A Measured Outlook
Narrative Update on SmartFinancial The analyst price target for SmartFinancial has moved higher by about $2.88 to $39.50. Analysts point to encouraging Q3 results, flat expenses despite new revenue hires, and a smaller than expected provision that lifted core EPS above prior estimates.SmartFinancial (NYSE:SMBK) Has Affirmed Its Dividend Of $0.08
The board of SmartFinancial, Inc. ( NYSE:SMBK ) has announced that it will pay a dividend on the 25th of August, with...Results: SmartFinancial, Inc. Exceeded Expectations And The Consensus Has Updated Its Estimates
A week ago, SmartFinancial, Inc. ( NYSE:SMBK ) came out with a strong set of quarterly numbers that could potentially...SmartFinancial (NYSE:SMBK) Has Announced A Dividend Of $0.08
The board of SmartFinancial, Inc. ( NYSE:SMBK ) has announced that it will pay a dividend of $0.08 per share on the...SmartFinancial's (NYSE:SMBK) Dividend Will Be $0.08
SmartFinancial, Inc. ( NYSE:SMBK ) will pay a dividend of $0.08 on the 27th of November. This payment means the...
Calculated Enhancements And Optimized Strategies Propel Bank's Growth And Shareholder Value
Strategic focus on loan growth and optimized deposit strategies aims to expand revenue and improve funding cost efficiency.SmartFinancial's (NYSE:SMBK) Dividend Will Be $0.08
SmartFinancial, Inc. ( NYSE:SMBK ) has announced that it will pay a dividend of $0.08 per share on the 28th of May...SmartFinancial (NASDAQ:SMBK) Has Announced A Dividend Of $0.08
SmartFinancial, Inc.'s ( NASDAQ:SMBK ) investors are due to receive a payment of $0.08 per share on 27th of November...Shareholder Returns
| SMBK | US Banks | US Market | |
|---|---|---|---|
| 7D | 1.6% | -0.9% | -1.6% |
| 1Y | 40.2% | 16.5% | 12.1% |
Return vs Industry: SMBK exceeded the US Banks industry which returned 16.5% over the past year.
Return vs Market: SMBK exceeded the US Market which returned 12.1% over the past year.
Price Volatility
| SMBK volatility | |
|---|---|
| SMBK Average Weekly Movement | 2.9% |
| Banks Industry Average Movement | 3.0% |
| Market Average Movement | 6.8% |
| 10% most volatile stocks in US Market | 15.2% |
| 10% least volatile stocks in US Market | 2.9% |
Stable Share Price: SMBK has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: SMBK's weekly volatility (3%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| n/a | 585 | Billy Carroll | www.smartbank.com |
SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers in the United States. The company offers various deposits, including noninterest-bearing and interest-bearing checking, savings, money market, and individual retirement accounts, as well as certificates of deposit. It also provides commercial and residential real estate, consumer real estate, construction and land development, commercial and industrial, and consumer and other loans, as well as leases to small and mid-size companies for equipment financing leases.
SmartFinancial, Inc. Fundamentals Summary
| SMBK fundamental statistics | |
|---|---|
| Market cap | US$893.91m |
| Earnings (TTM) | US$57.39m |
| Revenue (TTM) | US$204.19m |
Is SMBK overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| SMBK income statement (TTM) | |
|---|---|
| Revenue | US$204.19m |
| Cost of Revenue | US$0 |
| Gross Profit | US$204.19m |
| Other Expenses | US$146.80m |
| Earnings | US$57.39m |
Last Reported Earnings
Jun 30, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 3.36 |
| Gross Margin | 100.00% |
| Net Profit Margin | 28.11% |
| Debt/Equity Ratio | 19.0% |
How did SMBK perform over the long term?
See historical performance and comparisonDividends
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/09/16 22:13 |
| End of Day Share Price | 2026/09/16 00:00 |
| Earnings | 2026/06/30 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
SmartFinancial, Inc. is covered by 7 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Catherine Summerson Mealor | Keefe, Bruyette, & Woods |
| Stephen Scouten | Piper Sandler Companies |
| Michael Rose | Raymond James & Associates |