SMBK Stock Analysis: SmartFinancial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 851m USD | 12M Return: 42.6% | US83190L2088 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 5.88M
EPS Trend: 82.1%
Qual. Beats: 1
Rev. Trend: 98.9%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.7 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 a bank holding company headquartered in Knoxville, Tennessee, that operates through its subsidiary, SmartBank. The company provides a full suite of banking and financial services to both individuals and corporate clients, including deposit products such as checking, savings, money market, IRAs, and certificates of deposit.
In addition to deposits, SmartBank offers a diversified lending portfolio that includes commercial and residential real estate loans, construction and land development loans, commercial and industrial loans, consumer loans, and equipment financing leases for small and mid-size businesses. The company also generates fee-based revenue through wealth management, insurance, mortgage origination, and digital banking services.
SmartFinancial operates primarily in Tennessee, Alabama, and Florida, positioning it as a regional community bank focused on the Southeast U.S. market. As a regional bank under the GICS classification, the company competes in the community banking segment, which typically emphasizes relationship-based lending and local deposit gathering rather than the scale-driven models of money-center banks. With a small-cap market capitalization, SmartFinancial represents a smaller, growth-oriented regional player within the broader U.S. financials sector.
- Net interest margin expansion lifts profitability on rate environment
- Commercial real estate loan growth drives balance sheet expansion in Southeast markets
- Deposit cost pressure and noninterest-bearing mix shifts compress funding margins
- Fee income from wealth management and mortgage origination diversifies revenue
| Net Income: 57.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.18 > 1.0 |
| NWC/Revenue: -1.46k% < 20% (prev -1.43k%; Δ -27.61% < -1%) |
| CFO/TA 0.01 > 3% & CFO 73.4m > Net Income 57.4m |
| Net Debt (-532.5m) to EBITDA (78.8m): -6.76 < 3 |
| Current Ratio: 0.07 > 1.5 & < 3 |
| Outstanding Shares: last quarter (17.0m) vs 12m ago 0.49% < -2% |
| Gross Margin: 62.96% > 18% (prev 59.35%; Δ 3.61% > 0.5%) |
| Asset Turnover: 5.71% > 50% (prev 5.49%; Δ 0.22% > 0%) |
| Interest Coverage Ratio: 0.59 > 6 (EBIT TTM 71.0m / Interest Expense TTM 121.0m) |
| A: -0.79 (Total Current Assets 379.4m - Total Current Liabilities 5.20b) / Total Assets 6.12b |
| B: 0.05 (Retained Earnings 275.8m / Total Assets 6.12b) |
| C: 0.01 (EBIT TTM 71.0m / Avg Total Assets 5.80b) |
| D: 0.10 (Book Value of Equity 576.8m / Total Liabilities 5.54b) |
| Altman-Z'' = -4.83 = D |
| DSRI: 0.22 (Receivables 15.2m/61.6m, Revenue 331.2m/301.5m) |
| GMI: 0.94 (GM 59.35% / 62.96%) |
| AQI: 1.05 (AQ_t 0.92 / AQ_t-1 0.88) |
| SGI: 1.10 (Revenue 331.2m / 301.5m) |
| TATA: -0.00 (NI 57.4m - CFO 73.4m) / TA 6.12b) |
| Beneish M = -3.62 (Cap -4..+1) = AAA |
As of October 06, 2026, the stock is trading at USD 50.59 with a total of 67,422 shares traded. Over the past week, the price has changed by +1.67%, over one month by -1.29%, over three months by +7.64% and over the past year by +42.62%.
Current recommended Stop Loss: 49.00 (which is 3.1% or 1.4 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 | 52.7 | 4.2% |
P/E Trailing = 14.8537
P/E Forward = 14.1044
P/S = 4.1669
P/B = 1.4798
Revenue TTM = 331.2m USD
EBIT TTM = 71.0m USD
EBITDA TTM = 78.8m USD
Long Term Debt = 98.8m USD (from longTermDebt, last quarter)
Short Term Debt = 1.46m USD (from shortTermDebt, last quarter)
Debt = 110.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -532.5m USD (calculated: Debt 110.4m - CCE 642.9m)
Enterprise Value = 318.3m USD (850.8m + Debt 110.4m - CCE 642.9m)
Interest Coverage Ratio = 0.59 (Ebit TTM 71.0m / Interest Expense TTM 121.0m)
EV/FCF = 4.52x (Enterprise Value 318.3m / FCF TTM 70.5m)
FCF Yield = 22.14% (FCF TTM 70.5m / Enterprise Value 318.3m)
FCF Margin = 21.28% (FCF TTM 70.5m / Revenue TTM 331.2m)
Net Margin = 17.33% (Net Income TTM 57.4m / Revenue TTM 331.2m)
Gross Margin = 62.96% ((Revenue TTM 331.2m - Cost of Revenue TTM 122.7m) / Revenue TTM)
Gross Margin QoQ = 63.41% (prev 65.46%)
Tobins Q-Ratio = 0.05 (Enterprise Value 318.3m / Total Assets 6.12b)
Interest Expense / Debt = 109.6% (Interest Expense 121.0m / Debt 110.4m)
Taxrate = 19.14% (13.6m / 71.0m)
NOPAT = 57.4m (EBIT 71.0m * (1 - 19.14%))
Current Ratio = 0.07 (Total Current Assets 379.4m / Total Current Liabilities 5.20b)
Debt / Equity = 0.19 (Debt 110.4m / totalStockholderEquity, last quarter 576.8m)
Debt / EBITDA = -6.76 (Net Debt -532.5m / EBITDA 78.8m)
Debt / FCF = -7.56 (Net Debt -532.5m / FCF TTM 70.5m)
Total Stockholder Equity = 557.4m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.99% (Net Income 57.4m / Total Assets 6.12b)
RoE = 10.30% (Net Income TTM 57.4m / Total Stockholder Equity 557.4m)
RoCE = 10.82% (EBIT 71.0m / Capital Employed (Equity 557.4m + L.T.Debt 98.8m))
RoIC = 0.94% (NOPAT 57.4m / Invested Capital 6.10b)
WACC = 7.13% (E(850.8m)/V(961.2m) * Re(8.05%) + (debt cost/tax rate unavailable))
Discount Rate = 8.05% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 67.11 | Cagr: 0.10%
[DCF] Terminal Value 77.97% ; FCFF base≈63.6m ; Y1≈72.9m ; Y5≈107.3m
[DCF] Fair Price = 125.6 (EV 1.61b - Net Debt -532.5m = Equity 2.15b / Shares 17.1m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 82.11 | EPS CAGR: 22.51% | SUE: 1.50 | # QB: 1
Revenue Correlation: 98.94 | Revenue CAGR: 14.32% | SUE: 0.74 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.96 | Chg30d=+0.70% | Revisions=+25% | Analysts=6
EPS current Year (2026-12-31): EPS=3.74 | Chg30d=+0.10% | Revisions=+0% | GrowthEPS=+23.5% | GrowthRev=+12.6%
EPS next Year (2027-12-31): EPS=4.19 | Chg30d=+0.20% | Revisions=+25% | GrowthEPS=+12.0% | GrowthRev=+9.3%
[Analyst] Revisions Ratio: +40% (up=2, down=0)