SMBK

SmartFinancial Inc

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Advanced Chart

35.480

-0.1(-0.281%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

35.620

Open

35.620

VWAP

Vol

33.14K

Mkt Cap

603.78M

Low

35.290

Amount

EV/EBITDA(TTM)

4.58

Total Shares

17.06M

285.49M

EV/OCF(TTM)

P/S(TTM)

3.56

SmartFinancial, Inc. is the bank holding company for SmartBank (the Bank). The Bank is a full-service commercial bank with branches across Tennessee, Alabama, and Florida. The principal business of the Bank consists of attracting deposits from the general public and investing those funds, together with funds generated from operations and from principal and interest payments on loans, primarily in commercial loans, commercial and residential real estate loans, leases, consumer loans and residential and commercial construction loans. It also originates one to four family residential mortgage loans and generally enters into a commitment to sell these loans in the secondary market. The Bank provides a suite of commercial and consumer banking services to clients through about 42 full-service bank branches. SBK Insurance, Inc., a subsidiary of the Bank, provides insurance products in the property and casualty area, commercial, transportation, and life and health to their respective clients.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2026Q1

FY2025Q4

FY2025Q3

52.73M

+11.78%

0.732

+9.2%

52.49M

+11.5%

0.765

+34.21%

51.37M

+15.38%

0.725

+34.26%

Estimates Revision

The market is revising No Change the revenue expectations for SmartFinancial, Inc. (SMBK) for FY2025, with the revenue forecasts being adjusted by 0% over the past three months. During the same period, the stock price has changed by 17.80%.

Revenue Estimates for FY2025

No Change

0.00%

In Past 3 Month

EPS Estimates for FY2025

No Change

0.00%

In Past 3 Month

Stock Price

Go Up

+17.80%

In Past 3 Month

2 Analyst Rating

-1.35% Downside

Wall Street analysts forecast SMBK stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for SMBK is 35.00 USD with a low forecast of 35.00 USD and a high forecast of 35.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

0 Buy

2 Hold

0 Sell

Hold

-1.35% Downside

Current: 35.480

Low

35.00

Averages

35.00

High

35.00

-1.35% Downside

Current: 35.480

Low

35.00

Averages

35.00

High

35.00

Keefe Bruyette

Market Perform

maintain

$35 -> $38

2025-07-25

New

Reason

Keefe Bruyette

Price Target

$35 -> $38

2025-07-25

New

maintain

Market Perform

Reason

Keefe Bruyette raised the firm's price target on SmartFinancial to $38 from $35 and keeps a Market Perform rating on the shares.

Keefe Bruyette

Market Perform

maintain

$35 -> $38

2025-07-24

New

Reason

Keefe Bruyette

Price Target

$35 -> $38

2025-07-24

New

maintain

Market Perform

Reason

Keefe Bruyette raised the firm's price target on SmartFinancial to $38 from $35 and keeps a Market Perform rating on the shares.

Keefe Bruyette

Market Perform

downgrade

$37 -> $35

2025-04-24

Reason

Keefe Bruyette

Price Target

$37 -> $35

2025-04-24

downgrade

Market Perform

Reason

Keefe Bruyette lowered the firm's price target on SmartFinancial to $35 from $37 and keeps a Market Perform rating on the shares.

Stephens & Co.

Russell Gunther

Hold

Reiterates

$31

2025-04-22

Reason

Stephens & Co.

Russell Gunther

Price Target

$31

2025-04-22

Reiterates

Hold

Reason

Raymond James

Steve Moss

Strong Buy

Reiterates

$36 → $42

2025-01-23

Reason

Raymond James

Steve Moss

Price Target

$36 → $42

2025-01-23

Reiterates

Strong Buy

Reason

Raymond James raised the firm's price target on SmartFinancial to $42 from $36 and keeps a Strong Buy rating on the shares. Raymond James has greater confidence in SmartFinancial's earnings outlook following the Q4 results, which demonstrated the strength of the franchise with continued strong loan growth, solid core funding, and clean credit, the analyst tells investors in a research note. The firm thinks SmartFinancial is well-positioned for significant pre-provision net revenue growth in 2025 and views risk-reward favorably.

Raymond James

Michael Rose

Strong Buy

Maintains

$32 → $36

2024-10-23

Reason

Raymond James

Michael Rose

Price Target

$32 → $36

2024-10-23

Maintains

Strong Buy

Reason

See All Ratings

Valuation Metrics

The current forward P/E ratio for SmartFinancial Inc (SMBK.O) is 11.79, compared to its 5-year average forward P/E of 11.51. For a more detailed relative valuation and DCF analysis to assess SmartFinancial Inc 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

Fair

5Y Average PE

11.51

Current PE

11.79

Overvalued PE

13.40

Undervalued PE

9.62

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

N/A

5Y Average EV/EBITDA

0.00

Current EV/EBITDA

0.00

Overvalued EV/EBITDA

0.00

Undervalued EV/EBITDA

0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

Overvalued

5Y Average PS

2.52

Current PS

2.87

Overvalued PS

2.85

Undervalued PS

2.20