SmartFinancial Inc (SMBK)

Currency in USD
52.65
-0.31(-0.59%)
Closed·
52.650.00(0.00%)
·
Trading near 52-week High
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Fair Value
Day's Range
52.2753.93
52 wk Range
32.6453.93
Key Statistics
Prev. Close
52.65
Open
52.81
Day's Range
52.27-53.93
52 wk Range
32.64-53.93
Volume
151.07K
Average Volume (3m)
103.74K
1-Year Change
53.6778%
Book Value / Share
33.73
Fair Value
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Fair Value Upside
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SMBK Scorecardpro icon
Company’s Health
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Fair Value
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Fair Price
Upside
Price Target
51.38
Downside
-2.42%
Members' Sentiments
Bearish
Bullish
ProTips
Suffers from weak gross profit margins

SmartFinancial Inc News & Analysis

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Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Neutral
Technical Indicators
Sell
Moving Averages
Buy

Analyst Ratings

2 Buy
4 Hold
0 Sell
Ratings:
6 analysts
Overall Consensus
Buy

Analysts 12-Month Price Target:

Average 51.38
(-2.42% Downside)
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate
Stephens
Hold47.00-10.73%45.00MaintainJul 23, 2026
Keefe, Bruyette & Woods
Hold50.00-5.03%46.00MaintainJul 23, 2026
Benchmark
Buy56.00+6.36%54.00MaintainJul 22, 2026
Benchmark
Buy54.00+2.56%-New CoverageJun 24, 2026
Keefe, Bruyette & Woods
Hold46.00-12.63%42.00MaintainApr 21, 2026

SmartFinancial Inc Earnings Call Summary for Q2/2026

  • SmartFinancial Q2 2026 EPS of $0.96 beat estimates by 6.67%; revenue of $55.95M topped forecasts; shares rose 2.77% to $48.99 near 52-week high.
  • Return on assets hit 1.1%, exceeding internal 1% target; net interest margin expanded to 3.52% from 3.48%; ROE reached 13% with strong credit quality.
  • Loan growth remained robust at 15% annualized pace; core deposits grew 6% annualized as bank crossed $6B asset milestone during the quarter.
  • Q3 guidance: NIM of 3.45%, noninterest income ~$8M, expenses $34.5-35M; targeting $4 EPS run rate by Q4 2026, implying ~$1/share quarterly.
  • Management expects near-term margin pressure from rising deposit costs but sees improvement in Q4 2026; remains focused on organic growth over M&A.
Last Updated: 2026/07/21, 16:52
Read Full Transcript

Earnings

Latest Release
Jul 20, 2026
EPS / Forecast
0,96 / 0,90
Revenue / Forecast
55,95M / 55,74M
EPS Revisions
Last 90 days

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 3.39%
Dividend Yield
0.68%
Industry Median 2.83%
Annualised payout
0.36
Paid quarterly
5-Years Growth
+8.45%
Growth Streak

SMBK Income Statement

Compare SMBK to Peers and Sector

Metrics to compare
SMBK
Peers
Sector
Relationship
P/E Ratio
15.7x12.8x10.0x
PEG Ratio
0.421.130.03
Price/Book
1.6x1.6x1.0x
Price / LTM Sales
4.4x4.6x2.9x
Upside (Analyst Target)
−3.8%11.1%13.9%
Fair Value Upside
Unlock10.6%2.8%Unlock

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. In addition, the company offers wealth management, insurance, mortgage origination, and internet and mobile banking services. It operates in Tennessee, Alabama, and Florida. SmartFinancial, Inc. is based in Knoxville, Tennessee.

Sector
Financial
Employees
585

Ownership

Ownership Overview

Type
Common Stock Held% of Shares OutstandingMarket Value
Mutual Funds & ETFs
4,54M26,58%240,68M
Other Institutional Investors
6,50M38,04%344,44M
Public Companies & Retail Investors
6,05M35,38%320,41M
Total
17,1M100,00%905,54M

Top Holders

Holder
% of holding
Shares Held
Date Reported
Value (In 1,000s)
BlackRock, Inc.7,51%1 284 55768 030
Dimensional Fund Advisors LP4,89%836 38844 295

FAQ

What Is the SmartFinancial Inc (SMBK) Stock Price Today?

The SmartFinancial Inc stock price today is 52,65 USD.

What Stock Exchange Does SmartFinancial Inc Trade On?

SmartFinancial Inc is listed and trades on the New York Stock Exchange.

What Is the Stock Symbol for SmartFinancial Inc?

The stock symbol for SmartFinancial Inc is "SMBK."

Does SmartFinancial Inc Pay Dividends? What’s The Current Dividend Yield?

The SmartFinancial Inc dividend yield is 0.68%.

What Is the SmartFinancial Inc Market Cap?

As of today, SmartFinancial Inc market cap is 900,23M USD.

What Is SmartFinancial Inc's Earnings Per Share (TTM)?

The SmartFinancial Inc EPS (TTM) is 3,39.

When Is the Next SmartFinancial Inc Earnings Date?

SmartFinancial Inc will release its next earnings report on Oct 26, 2026.

From a Technical Analysis Perspective, Is SMBK a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Strong Buy.

How Many Times Has SmartFinancial Inc Stock Split?

SmartFinancial Inc has split 3 times.

How Many Employees Does SmartFinancial Inc Have?

SmartFinancial Inc has 585 employees.

What is the current trading status of SmartFinancial Inc (SMBK)?

As of Jul 31, 2026, SmartFinancial Inc (SMBK) is trading at a price of 52,65 USD, with a previous close of 52,65 USD. The stock has fluctuated within a day range of 52,27 USD to 53,93 USD, while its 52-week range spans from 32,64 USD to 53,93 USD.

What Is SmartFinancial Inc (SMBK) Price Target According to Analysts?

The average 12-month price target for SmartFinancial Inc is 51,38 USD, with a high estimate of 58 USD and a low estimate of 46 USD. 2 analysts recommend buying the stock, while 0 suggest selling, leading to an overall rating of Buy. The stock has an -2,42% Downside potential.
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