SMBK
SmartFinancial Inc
$
35.330
Line
|
Candle
1D
5D
1M
3M
6M
YTD
1Y
5Y
High
35.850
Open
35.580
VWAP
35.43
Vol
39.77K
Mkt Cap
601.60M
Low
35.250
Amount
1.41M
EV/EBITDA(TTM)
2.87
Total Shares
17.06M
EV
190.45M
EV/OCF(TTM)
--
P/S(TTM)
3.51
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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Market Estimates
Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2026Q2
FY2026Q1
FY2025Q4
53.82M
+8.53%
0.805
+16.67%
51.96M
+10.14%
0.743
+10.94%
51.54M
+9.46%
0.777
+36.26%
Estimates Revision
The market is revising Downward the revenue expectations for SmartFinancial, Inc. (SMBK) for FY2025, with the revenue forecasts being adjusted by -0.48% over the past three months. During the same period, the stock price has changed by 5.65%.
Revenue Estimates for FY2025
Revise Downward
-0.48%
In Past 3 Month
EPS Estimates for FY2025
Revise Upward
+2.14%
In Past 3 Month
Stock Price
Go Up
+5.65%
In Past 3 Month
3 Analyst Rating
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 is 39.67 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.
1 Buy
2 Hold
0 Sell
Moderate Buy
Current: 35.330
Low
37.00
Averages
39.67
High
44.00
Current: 35.330
Low
37.00
Averages
39.67
High
44.00
Keefe Bruyette
Market Perform
maintain
$38 -> $40
2025-11-04
New
Reason
Keefe Bruyette
Price Target
$38 -> $40
2025-11-04
New
maintain
Market Perform
Reason
Keefe Bruyette raised the firm's price target on SmartFinancial to $40 from $38 and keeps a Market Perform rating on the shares.
Piper Sandler
Stephen Scouten
Neutral
maintain
$37
2025-10-27
Reason
Piper Sandler
Stephen Scouten
Price Target
$37
2025-10-27
maintain
Neutral
Reason
Piper Sandler analyst Stephen Scouten raised the firm's price target on SmartFinancial to $39.50 from $37 and keeps a Neutral rating on the shares. The firm views Q3 results from SmartFinancial as encouraging. Expenses remained flat quarter-over-quarter despite adding 10 revenue-producing team members in the first half of 2025. The bank also took a much smaller provision than expected, pushing core EPS to 86c, a hefty 13c above Piper Sandler's estimates and 17c above Q2 2025.
Keefe Bruyette
Market Perform
maintain
$35 -> $38
2025-07-25
Reason
Keefe Bruyette
Price Target
$35 -> $38
2025-07-25
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
Reason
Keefe Bruyette
Price Target
$35 -> $38
2025-07-24
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
See All Ratings
Valuation Metrics
The current forward P/E ratio for SmartFinancial Inc (SMBK.O) is 11.14, compared to its 5-year average forward P/E of 11.61. 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
11.61
Current PE
11.14
Overvalued PE
13.46
Undervalued PE
9.77
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.
Strongly Overvalued
5Y Average PS
2.76
Current PS
35.68
Overvalued PS
5.23
Undervalued PS
0.29
Financials
Annual
Quarterly
FY2025Q3
YoY :
+8.44%
42.74M
Total Revenue
FY2025Q3
YoY :
+36.44%
15.30M
Operating Profit
FY2025Q3
YoY :
+49.74%
13.69M
Net Income after Tax
FY2025Q3
YoY :
+50.00%
0.81
EPS - Diluted
FY2025Q2
YoY :
-223.72%
76.72M
Free Cash Flow
FY2025Q3
YoY :
-100.00%
N/A
FCF Margin - %
FY2025Q3
YoY :
+38.08%
32.02
Net Margin - %
FY2025Q3
YoY :
+21.18%
7.61
ROIC
Trading Trends
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
0.0
USD
0
3-6
Months
0.0
USD
0
6-9
Months
0.0
USD
0
0-12
Months
1.0M
USD
5
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
1
40.4K
USD
Months
Hedge Fund
Hedge Funds areSelling! The selling amount has increased 214.25% over the last quarter.
Sold
0-3
Months
0.0
Volume
0
3-6
Months
0.0
Volume
0
6-9
Months
0.0
Volume
0
0-12
Months
35.1K
Volume
1
Bought
0-3
0
0.0
Volume
Months
3-6
0
0.0
Volume
Months
6-9
0
0.0
Volume
Months
0-12
0
0.0
Volume
Months
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
0.0
USD
0
3-6
Months
0.0
USD
0
6-9
Months
0.0
USD
0
0-12
Months
0.0
USD
0
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
0
0.0
USD
Months
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
0.0
USD
0
3-6
Months
0.0
USD
0
6-9
Months
0.0
USD
0
0-12
Months
1.0M
USD
5
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
1
40.4K
USD
Months
SMBK News & Events
Events Timeline
2025-10-21 (ET)
2025-10-21
17:02:45
SmartFinancial announces Q3 operating EPS of 86 cents, surpassing consensus estimate of 72 cents.
2025-07-21 (ET)
2025-07-21
17:00:55
SmartFinancial reports Q2 operating EPS 69c, consensus 64c
2025-04-21 (ET)
2025-04-21
17:11:22
SmartFinancial reports Q1 EPS 67c, consensus 55c
Sign Up For More Events
Sign Up For More Events
News
4.0
10-27BenzingaPiper Sandler Keeps Neutral Rating on SmartFinancial, Increases Price Target to $39.5
9.5
10-22NASDAQ.COMSmarFinancial (SMBK) Q3 Earnings: A Comparison of Key Metrics Against Wall Street Projections
9.5
10-22NASDAQ.COMSmarFinancial (SMBK) Exceeds Expectations in Q3 Earnings and Revenue
Sign Up For More News
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FAQ
What is SmartFinancial Inc (SMBK) stock price today?
The current price of SMBK is 35.33 USD — it has decreased -0.98 % in the last trading day.
What is SmartFinancial Inc (SMBK)'s business?
What is the price predicton of SMBK Stock?
What is SmartFinancial Inc (SMBK)'s revenue for the last quarter?
What is SmartFinancial Inc (SMBK)'s earnings per share (EPS) for the last quarter?
What changes have occurred in the market's expectations for SmartFinancial Inc (SMBK)'s fundamentals?
How many employees does SmartFinancial Inc (SMBK). have?