SmartFinancial Inc (SMBK)

Currency in USD
49.34
+0.12(+0.24%)
Closed·
49.340.00(0.00%)
·
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Fair Value
Day's Range
48.7449.69
52 wk Range
34.2354.14
Key Statistics
Prev. Close
49.34
Open
48.88
Day's Range
48.74-49.69
52 wk Range
34.23-54.14
Volume
135.92K
Average Volume (3m)
120.1K
1-Year Change
38.7904%
Book Value / Share
33.99
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
52.38
Upside
+6.15%
Members' Sentiments
Bearish
Bullish
ProTips
Trading at a low P/E ratio relative to near-term earnings growth

SmartFinancial Inc News & Analysis

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Technical Analysis

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

Analyst Ratings

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

Analysts 12-Month Price Target:

Average 52.38
(+6.15% Upside)
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate
StoneX
Buy58.00+17.55%60.00MaintainOct 21, 2026
Keefe, Bruyette & Woods
Hold52.00+5.39%51.00MaintainOct 21, 2026
Raymond James
Buy56.00+13.50%58.00DowngradeOct 21, 2026
Benchmark
Buy60.00+21.61%56.00MaintainAug 18, 2026
Stephens
Hold47.00-4.74%45.00MaintainJul 23, 2026

SmartFinancial Inc Earnings Call Summary for Q3/2026

  • SmartFinancial Q3 EPS of $1.10 beat estimates by 14.6%; revenue of $56.53M missed by 2.0% but operating revenue hit record $57.5M.
  • Loans grew $174M (15% annualized), core deposits up $163M (12% annualized); tangible book value per share rose to $28.50, up 15% annualized.
  • Q4 guidance: NIM stable at 3.45%, NII up ~3% QoQ, fee income to decline to $7.5M on mortgage seasonality, expenses $35M-$35.5M.
  • Management reaffirmed confidence in reaching $1.00 EPS run rate by end-2026 with continued improvement into 2027; organic growth remains top priority.
  • Shares rose 0.49% to $50.76, near 52-week high; CEO cited relationship banking model strength, opened first Georgia branch in Columbus during quarter.
Last Updated: 20/10/2026, 15:54
Read Full Transcript

Earnings

Latest Release
Oct 19, 2026
EPS / Forecast
1.10 / 0.96
Revenue / Forecast
56.53M / 57.69M
EPS Revisions
Last 90 days

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 3.71
Dividend Yield
0.73%
Industry Median 2.85%
Annualised payout
0.36
Paid quarterly
5-Years Growth
+8.13%
Growth Streak

SMBK Income Statement

Compare SMBK to Peers and Sector

Metrics to compare
SMBK
Peers
Sector
Relationship
P/E Ratio
13.5x0.0x9.2x
PEG Ratio
0.400.000.03
Price/Book
1.5x0.0x1.0x
Price / LTM Sales
4.0x0.0x2.8x
Upside (Analyst Target)
6.2%0.0%20.2%
Fair Value Upside
Unlock0.0%3.8%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
4.64M27.14%228.96M
Other Institutional Investors
6.67M39.02%329.11M
Public Companies & Retail Investors
5.78M33.84%285.43M
Total
17.1M100.00%843.51M

Top Holders

Holder
% of holding
Shares Held
Date Reported
Value (In 1,000s)
BlackRock, Inc.8.59%1,468,19572,441
Dimensional Fund Advisors LP4.89%836,08641,252

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FAQ

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

The SmartFinancial Inc stock price today is 49.34 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."

What Is the SmartFinancial Inc Market Cap?

As of today, SmartFinancial Inc market cap is 843.51M USD.

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

The SmartFinancial Inc EPS (TTM) is 3.71.

When Is the Next SmartFinancial Inc Earnings Date?

SmartFinancial Inc will release its next earnings report on Jan 25, 2027.

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 Sell.

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 Oct 25, 2026, SmartFinancial Inc (SMBK) is trading at a price of 49.34 USD, with a previous close of 49.34 USD. The stock has fluctuated within a day range of 48.74 USD to 49.69 USD, while its 52-week range spans from 34.23 USD to 54.14 USD.

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

The average 12-month price target for SmartFinancial Inc is 52.38 USD, with a high estimate of 58 USD and a low estimate of 47 USD. 2 analysts recommend buying the stock, while 0 suggest selling, leading to an overall rating of Buy. The stock has an +6.15% Upside potential.

What Is the SMBK Premarket Price?

SMBK's last pre-market stock price is 49.16 USD. The pre-market share volume is 10.00, and the stock has decreased by -0.06, or -0.12%.
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