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SMBK Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

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High
43.090
Open
42.040
VWAP
42.19
Vol
80.52K
Mkt Cap
724.63M
Low
41.095
Amount
3.40M
EV/EBITDA(TTM)
10.35
Total Shares
17.10M
EV
712.29M
EV/OCF(TTM)
0.90
P/S(TTM)
3.66
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.
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Events Timeline

(ET)
2026-04-20
07:10:00
Company Tangible Book Value per Share at $27.33
select
2026-01-30 (ET)
2026-01-30
17:10:00
SmartFinancial Authorizes $10M Stock Repurchase Plan
select
2026-01-20 (ET)
2026-01-20
17:10:00
SmartBank Reports 0.94% Allowance for Credit Losses in 2025
select
2025-10-21 (ET)
2025-10-21
17:02:45
SmartFinancial announces Q3 operating EPS of 86 cents, surpassing consensus estimate of 72 cents.
select

News

seekingalpha
9.5
13:11 PMseekingalpha
SmartFinancial Reports Strong Q1 Earnings with Significant Growth Metrics
  • Earnings Performance: SmartFinancial reported a Q1 non-GAAP EPS of $0.81, indicating strong profitability that is likely to positively influence its stock price moving forward.
  • Significant Revenue Growth: The company achieved revenues of $53.81 million, reflecting robust business expansion and market demand, which further solidifies its position in the financial services sector.
  • Loan and Deposit Growth: Net organic loan and lease growth reached $155 million with a 14% annualized quarter-over-quarter increase, alongside deposit growth of $95 million at a 7% annualized rate, demonstrating increased customer trust and market share expansion.
  • Net Interest Margin Improvement: The net interest margin expanded to 3.48% on a fully tax-equivalent basis, primarily due to lower deposit and funding costs, indicating effective strategies in cost control and profitability enhancement.
NASDAQ.COM
9.5
13:03 PMNASDAQ.COM
SMARTFINANCIAL Reports Increased Q1 Earnings
  • Earnings Growth: SMARTFINANCIAL INC. reported a first-quarter profit of $13.68 million, translating to $0.81 per share, which marks a significant increase from last year's $11.25 million and $0.67 per share, indicating enhanced profitability.
  • Adjusted Earnings: Excluding non-recurring items, SMARTFINANCIAL's adjusted earnings also stood at $13.67 million, or $0.81 per share, reflecting stable performance in its core business operations.
  • Revenue Increase: The company's revenue rose by 11.9% year-over-year to $74.27 million, up from $66.37 million last year, showcasing a strong recovery in market demand.
  • Market Positioning: With both earnings and revenue growth, SMARTFINANCIAL INC. strengthens its competitive position in the financial services sector, potentially attracting more investor interest in its future growth prospects.
Newsfilter
9.5
04-06Newsfilter
SmartFinancial Announces Q1 2026 Earnings Release Details
  • Earnings Release Schedule: SmartFinancial plans to issue its Q1 2026 earnings report on April 20, 2026, before market opens, reflecting the company's commitment to transparency and timely information dissemination to enhance investor confidence.
  • Conference Call Timing: The company will host a conference call on April 20, 2026, at 10:00 a.m. ET, providing an interactive opportunity for investors, which further promotes communication between the company and its shareholders.
  • Replay Availability: A replay of the conference call will be available until July 19, 2026, allowing investors who cannot participate live to access key information through specified dialing methods, ensuring comprehensive communication.
  • Company Background: Founded in 2007, SmartFinancial, Inc. is a full-service commercial bank with branches across Tennessee, Alabama, and Florida, emphasizing the recruitment of top talent and exceptional client service, which demonstrates its ongoing success in a competitive banking environment.
NASDAQ.COM
2.0
03-17NASDAQ.COM
SmartFinancial (SMBK) Q4 2025 Earnings Transcript
Businesswire
8.0
01-30Businesswire
SmartFinancial Declares Quarterly Cash Dividend and Stock Repurchase Plan
  • Quarterly Cash Dividend: SmartFinancial's board declared a quarterly cash dividend of $0.08 per share on January 29, 2026, payable on March 2, 2026, aimed at enhancing shareholder returns and boosting market confidence.
  • Stock Repurchase Plan: The company authorized a 2026 Repurchase Plan allowing up to $10 million in common stock buybacks from March 1, 2026, to February 28, 2027, demonstrating confidence in its stock value.
  • Repurchase Flexibility: The plan permits repurchases through various methods including open market transactions and accelerated share repurchase programs, ensuring compliance with regulations while adapting to market conditions.
  • Strategic Implications: The implementation of the dividend and repurchase plan reflects SmartFinancial's confidence in future growth and may attract more investor interest, thereby enhancing the company's competitiveness in the financial market.
Yahoo Finance
6.0
01-22Yahoo Finance
SmartFinancial (SMBK) Upgraded to Overweight with Price Target of $43.38
  • Rating Upgrade: SmartFinancial's average rating has been upgraded to overweight, reflecting analysts' optimistic expectations for its future performance, which may attract more investor attention.
  • Price Target Set: Analysts have set a price target of $43.38, indicating a positive outlook on the company's stock price growth potential, which could drive the stock closer to this target.
  • Market Reaction: This rating upgrade may enhance market confidence in SmartFinancial, thereby increasing its stock liquidity and trading volume, which could strengthen the company's competitiveness in the financial services sector.
  • Investor Strategy: With the rating upgrade, investors may reassess their portfolios and increase their holdings in SmartFinancial, aiming for capital appreciation in the future.
Wall Street analysts forecast SMBK stock price to rise
4 Analyst Rating
Wall Street analysts forecast SMBK stock price to rise
1 Buy
3 Hold
0 Sell
Hold
Current: 0.000
sliders
Low
37.00
Averages
40.13
High
44.00
Current: 0.000
sliders
Low
37.00
Averages
40.13
High
44.00
Hovde Group
Market Perform -> Outperform
upgrade
$48
AI Analysis
2026-01-22
Reason
Hovde Group
Price Target
$48
AI Analysis
2026-01-22
upgrade
Market Perform -> Outperform
Reason
Hovde Group upgraded SmartFinancial to Outperform from Market Perform with a $48 price target.
Keefe Bruyette
Market Perform
maintain
$40 -> $42
2026-01-22
Reason
Keefe Bruyette
Price Target
$40 -> $42
2026-01-22
maintain
Market Perform
Reason
Keefe Bruyette raised the firm's price target on SmartFinancial to $42 from $40 and keeps a Market Perform rating on the shares.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for SMBK
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Valuation Metrics

The current forward P/E ratio for SmartFinancial Inc (SMBK.O) is 14.10, compared to its 5-year average forward P/E of 11.89. 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.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
11.89
Current PE
14.10
Overvalued PE
13.72
Undervalued PE
10.06

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.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.37
Current EV/EBITDA
4.04
Overvalued EV/EBITDA
1.89
Undervalued EV/EBITDA
-1.14

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.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
2.62
Current PS
2.87
Overvalued PS
2.91
Undervalued PS
2.34

Financials

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Whales Holding SMBK

N
North Reef Capital Management LP
Holding
SMBK
-1.36%
3M Return

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Frequently Asked Questions

What is SmartFinancial Inc (SMBK) stock price today?

The current price of SMBK is 42.38 USD — it has increased 2.47

What is SmartFinancial Inc (SMBK)'s business?

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.

What is the price predicton of SMBK Stock?

Wall Street analysts forecast SMBK stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for SMBK is40.13 USD with a low forecast of 37.00 USD and a high forecast of 44.00 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.

What is SmartFinancial Inc (SMBK)'s revenue for the last quarter?

SmartFinancial Inc revenue for the last quarter amounts to 48.40M USD, increased 14.66

What is SmartFinancial Inc (SMBK)'s earnings per share (EPS) for the last quarter?

SmartFinancial Inc. EPS for the last quarter amounts to 0.81 USD, increased 42.11

How many employees does SmartFinancial Inc (SMBK). have?

SmartFinancial Inc (SMBK) has 597 emplpoyees as of April 20 2026.

What is SmartFinancial Inc (SMBK) market cap?

Today SMBK has the market capitalization of 724.63M USD.