(SMBK) SmartFinancial - Overview

Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 696m USD | Total Return: 34.2% in 12m

Commercial Loans, Deposits, Mortgages, Wealth Management, Insurance
Total Rating 41
Safety 32
Buy Signal 0.09
Banks - Regional
Industry Rotation: +1.2
Market Cap: 696M
Avg Turnover: 2.40M
Risk 3d forecast
Volatility29.1%
VaR 5th Pctl4.70%
VaR vs Median-2.00%
Reward TTM
Sharpe Ratio1.10
Rel. Str. IBD60.8
Rel. Str. Peer Group61
Character TTM
Beta0.815
Beta Downside0.882
Hurst Exponent0.530
Drawdowns 3y
Max DD26.37%
CAGR/Max DD0.98
CAGR/Mean DD3.16
EPS (Earnings per Share) EPS (Earnings per Share) of SMBK over the last years for every Quarter: "2021-03": 0.65, "2021-06": 0.6, "2021-09": 0.63, "2021-12": 0.52, "2022-03": 0.51, "2022-06": 0.61, "2022-09": 0.69, "2022-12": 0.76, "2023-03": 0.68, "2023-06": 0.52, "2023-09": 0.43, "2023-12": 0.41, "2024-03": 0.49, "2024-06": 0.46, "2024-09": 0.54, "2024-12": 0.57, "2025-03": 0.67, "2025-06": 0.69, "2025-09": 0.86, "2025-12": 0.81, "2026-03": 0.81,
EPS CAGR: 12.62%
EPS Trend: 55.1%
Last SUE: 0.83
Qual. Beats: 0
Revenue Revenue of SMBK over the last years for every Quarter: 2021-03: 34.983, 2021-06: 34.995, 2021-09: 39.62, 2021-12: 39.583, 2022-03: 40.026, 2022-06: 43.538, 2022-09: 48.547, 2022-12: 54.438, 2023-03: 60.103, 2023-06: 59.224, 2023-09: 55.966, 2023-12: 65.074, 2024-03: 68.163, 2024-06: 68.889, 2024-09: 73.095, 2024-12: 75.126, 2025-03: 74.973, 2025-06: 78.351, 2025-09: 79.2, 2025-12: 83.844, 2026-03: 82.211,
Rev. CAGR: 15.19%
Rev. Trend: 99.2%
Last SUE: 0.70
Qual. Beats: 0

Warnings

Below Avwap Earnings

Tailwinds

Confidence

Description: SMBK SmartFinancial

SmartFinancial, Inc. (SMBK) is a regional bank holding company headquartered in Knoxville, Tennessee, operating through its subsidiary, SmartBank. The company serves individual and corporate clients across Tennessee, Alabama, and Florida, offering a comprehensive suite of deposit products and lending solutions. Its portfolio includes commercial and residential real estate loans, construction financing, and specialized equipment leasing for small and medium-sized enterprises.

The regional banking sector typically relies on a net interest margin business model, generating revenue from the spread between interest earned on loans and interest paid on deposits. Furthermore, SMBK diversifies its income streams through non-interest revenue sources such as wealth management, insurance services, and mortgage origination. These fee-based services often provide a buffer against interest rate volatility affecting traditional lending operations.

Investors can further evaluate these revenue components and historical performance trends by reviewing the data on ValueRay. Given its geographic focus, the company’s growth is closely tied to the economic health and migration patterns within the Southeastern United States.

Headlines to Watch Out For
  • Net interest margin compression remains sensitive to Southeast regional deposit beta trends
  • Loan portfolio concentration in commercial real estate impacts credit risk and valuation
  • Expansion in high-growth Alabama and Florida markets drives organic deposit acquisition
  • Non-interest income growth depends on wealth management and mortgage origination volume
  • Regulatory capital requirements influence potential for future mergers and acquisitions activity
Piotroski VR-10 (Strict) 3.0
Net Income: 52.8m TTM > 0 and > 6% of Revenue
FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.01 > 1.0
NWC/Revenue: 41.12% < 20% (prev -1.32k%; Δ 1.36k% < -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 0.59%; Δ 6.15k% > 0.5%)
Asset Turnover: 5.72% > 50% (prev 5.40%; Δ 0.32% > 0%)
Interest Coverage Ratio: 0.54 > 6 (EBITDA TTM 70.9m / Interest Expense TTM 120.1m)
Altman Z'' 0.42
A: 0.02 (Total Current Assets 5.38b - Total Current Liabilities 5.25b) / 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: 0.05 (Book Value of Equity 265.8m / Total Liabilities 5.35b)
Altman-Z'' = 0.42 = B
Beneish M 1.00
DSRI: 63.73 (Receivables 4.47b/63.4m, Revenue 323.6m/292.1m)
GMI: 0.95 (GM 62.06% / 58.77%)
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 = 48.09 (Cap -4..+1) = D
What is the price of SMBK shares?

As of May 24, 2026, the stock is trading at USD 41.61 with a total of 43,667 shares traded.
Over the past week, the price has changed by +3.97%, over one month by +1.49%, over three months by +4.04% and over the past year by +34.21%.

Is SMBK a buy, sell or hold?

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

What are the forecasts/targets for the SMBK price?
Analysts Target Price 46.2 10.9%
SmartFinancial (SMBK) - Fundamental Data Overview as of 24 May 2026
P/E Trailing = 13.0481
P/E Forward = 14.1044
P/S = 3.5419
P/B = 1.2862
Revenue TTM = 323.6m USD
EBIT TTM = 64.7m USD
EBITDA TTM = 70.9m USD
Long Term Debt = 98.7m USD (from longTermDebt, last fiscal year)
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 = 696.1m USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.54 (Ebit TTM 64.7m / Interest Expense TTM 120.1m)
EV/FCF = 11.59x (Enterprise Value 696.1m / FCF TTM 60.1m)
FCF Yield = 8.63% (FCF TTM 60.1m / Enterprise Value 696.1m)
FCF Margin = 18.56% (FCF TTM 60.1m / 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 = 0.12 (Enterprise Value 696.1m / Total Assets 5.91b)
 Interest Expense / Debt = 117.9% (Interest Expense 120.1m / Debt 101.9m)
 Taxrate = 18.39% (3.08m / 16.8m)
NOPAT = 52.8m (EBIT 64.7m * (1 - 18.39%))
Current Ratio = 1.03 (Total Current Assets 5.38b / Total Current Liabilities 5.25b)
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 = -13.26 (Net Debt -796.2m / FCF TTM 60.1m)
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 = 8.14% (NOPAT 52.8m / Invested Capital 648.3m)
WACC = 7.72% (E(696.1m)/V(798.0m) * Re(8.85%) + (debt cost/tax rate unavailable))
Discount Rate = 8.85% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 33.33 | Cagr: 0.05%
[DCF] Terminal Value 76.46% ; FCFF base≈58.2m ; Y1≈62.5m ; Y5≈75.5m
[DCF] Fair Price = 114.3 (EV 1.16b - Net Debt -796.2m = Equity 1.95b / Shares 17.1m; r=8.35% [WACC [floored]]; 5y FCF grow 8.22% → 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=+6.51% | Revisions=+56% | Analysts=5
EPS next Quarter (2026-09-30): EPS=0.95 | Chg30d=+3.50% | Revisions=+33% | Analysts=5
EPS current Year (2026-12-31): EPS=3.67 | Chg30d=+4.06% | Revisions=+56% | GrowthEPS=+21.1% | GrowthRev=+12.1%
EPS next Year (2027-12-31): EPS=4.20 | Chg30d=+3.32% | Revisions=+25% | GrowthEPS=+14.4% | GrowthRev=+9.7%
[Analyst] Revisions Ratio: +56%