SMBK Stock Analysis: SmartFinancial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 823m USD | 12M Return: 32.8% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 5.44M
EPS Trend: 55.1%
Qual. Beats: 0
Rev. Trend: 99.2%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
SmartFinancial, Inc. (NYSE: SMBK) is the bank holding company for SmartBank, a regional bank providing a range of financial services to individuals and businesses across Tennessee, Alabama, and Florida, with its headquarters in Knoxville, Tennessee.
The companys core business model follows a traditional community and regional banking approach, generating revenue through net interest income on loans and deposits, supplemented by fee-based services. Its deposit offerings include checking, savings, money market, IRAs, and certificates of deposit, while its lending activities span commercial and residential real estate, construction and land development, commercial and industrial loans, consumer loans, and equipment financing leases for small and mid-size businesses.
In addition to traditional banking, SmartFinancial diversifies its revenue through wealth management, insurance, mortgage origination, and digital banking services. As a GICS-classified Regional Bank within the Financials sector, the company competes in the Southeast U.S. market, serving both retail and commercial customers with a mix of interest-earning and fee-generating products.
- Net interest margin expansion lifts profitability on elevated rates
- Commercial real estate loan concentration poses credit risk in Southeast markets
- Noninterest income grows through wealth management and mortgage origination
| Net Income: 52.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.11 > 1.0 |
| NWC/Revenue: 55.76% < 20% (prev -1.32k%; Δ 1.37k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 63.8m > Net Income 52.8m |
| Net Debt (-796.2m) to EBITDA (70.9m): -11.24 < 3 |
| Current Ratio: 1.03 > 1.5 & < 3 |
| Outstanding Shares: last quarter (16.9m) vs 12m ago 0.38% < -2% |
| Gross Margin: 62.06% > 18% (prev 58.77%; Δ 3.29% > 0.5%) |
| Asset Turnover: 5.72% > 50% (prev 5.40%; Δ 0.32% > 0%) |
| Interest Coverage Ratio: 0.54 > 6 (EBIT TTM 64.7m / Interest Expense TTM 120.1m) |
| A: 0.03 (Total Current Assets 5.38b - Total Current Liabilities 5.20b) / Total Assets 5.91b |
| B: 0.04 (Retained Earnings 261.0m / Total Assets 5.91b) |
| C: 0.01 (EBIT TTM 64.7m / Avg Total Assets 5.66b) |
| D: 0.11 (Book Value of Equity 562.0m / Total Liabilities 5.35b) |
| Altman-Z'' = 0.53 = B |
| DSRI: 3.0 (Receivables 4.47b/63.4m, Revenue 323.6m/292.1m) |
| GMI: 0.95 (GM 58.77% / 62.06%) |
| AQI: 0.09 (AQ_t 0.07 / AQ_t-1 0.80) |
| SGI: 1.11 (Revenue 323.6m / 292.1m) |
| TATA: -0.00 (NI 52.8m - CFO 63.8m) / TA 5.91b) |
| Beneish M = -1.89 (Cap -4..+1) = B |
As of July 08, 2026, the stock is trading at USD 46.68 with a total of 72,772 shares traded. Over the past week, the price has changed by -0.98%, over one month by +9.94%, over three months by +15.12% and over the past year by +32.84%.
Current recommended Stop Loss: 45.00 (which is 3.6% or 1.3 ATR below the current price).
SmartFinancial has received a consensus analysts rating of 3.33. Therefore, it is recommended to hold SMBK.
- StrongBuy: 1
- Buy: 0
- Hold: 5
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 47.5 | 1.7% |
P/E Trailing = 15.4359
P/E Forward = 14.1044
P/S = 4.1187
P/B = 1.4651
Revenue TTM = 323.6m USD
EBIT TTM = 64.7m USD
EBITDA TTM = 70.9m USD
Long Term Debt = 98.7m USD (from longTermDebt, last quarter)
Short Term Debt = 3.18m USD (from shortTermDebt, last quarter)
Debt = 101.9m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -796.2m USD (calculated: Debt 101.9m - CCE 898.2m)
Enterprise Value = 27.2m USD (823.5m + Debt 101.9m - CCE 898.2m)
Interest Coverage Ratio = 0.54 (Ebit TTM 64.7m / Interest Expense TTM 120.1m)
EV/FCF = 0.51x (Enterprise Value 27.2m / FCF TTM 53.9m)
FCF Yield = 197.8% (FCF TTM 53.9m / Enterprise Value 27.2m)
FCF Margin = 16.64% (FCF TTM 53.9m / Revenue TTM 323.6m)
Net Margin = 16.31% (Net Income TTM 52.8m / Revenue TTM 323.6m)
Gross Margin = 62.06% ((Revenue TTM 323.6m - Cost of Revenue TTM 122.8m) / Revenue TTM)
Gross Margin QoQ = 65.46% (prev 63.59%)
Tobins Q-Ratio = 0.00 (Enterprise Value 27.2m / Total Assets 5.91b)
Interest Expense / Debt = 117.9% (Interest Expense 120.1m / Debt 101.9m)
Taxrate = 18.44% (11.9m / 64.7m)
NOPAT = 52.8m (EBIT 64.7m * (1 - 18.44%))
Current Ratio = 1.03 (Total Current Assets 5.38b / Total Current Liabilities 5.20b)
Debt / Equity = 0.18 (Debt 101.9m / totalStockholderEquity, last quarter 562.0m)
Debt / EBITDA = -11.24 (Net Debt -796.2m / EBITDA 70.9m)
Debt / FCF = -14.79 (Net Debt -796.2m / FCF TTM 53.9m)
Total Stockholder Equity = 543.0m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.93% (Net Income 52.8m / Total Assets 5.91b)
RoE = 9.72% (Net Income TTM 52.8m / Total Stockholder Equity 543.0m)
RoCE = 10.08% (EBIT 64.7m / Capital Employed (Equity 543.0m + L.T.Debt 98.7m))
RoIC = 7.59% (NOPAT 52.8m / Invested Capital 695.3m)
WACC = 7.43% (E(823.5m)/V(925.4m) * Re(8.35%) + (debt cost/tax rate unavailable))
Discount Rate = 8.35% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 33.33 | Cagr: 0.05%
[DCF] Terminal Value 75.03% ; FCFF base≈54.5m ; Y1≈53.4m ; Y5≈53.8m
[DCF] Fair Price = 95.76 (EV 841.1m - Net Debt -796.2m = Equity 1.64b / Shares 17.1m; r=8.35% [WACC [floored]]; 5y FCF grow -2.96% → 2.50% )
EPS Correlation: 55.11 | EPS CAGR: 12.62% | SUE: 0.83 | # QB: 0
Revenue Correlation: 99.23 | Revenue CAGR: 15.19% | SUE: 0.70 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.90 | Chg30d=+0.00% | Revisions=+62% | Analysts=6
EPS next Quarter (2026-09-30): EPS=0.95 | Chg30d=-0.60% | Revisions=+38% | Analysts=6
EPS current Year (2026-12-31): EPS=3.66 | Chg30d=-0.27% | Revisions=+62% | GrowthEPS=+20.8% | GrowthRev=+12.3%
EPS next Year (2027-12-31): EPS=4.20 | Chg30d=-0.08% | Revisions=+29% | GrowthEPS=+14.7% | GrowthRev=+9.7%
[Analyst] Revisions Ratio: +68% (up=17, down=2)