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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
42.680
Open
42.070
VWAP
42.22
Vol
56.86K
Mkt Cap
722.92M
Low
41.700
Amount
2.40M
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)
2026-05-01
16:10:00
SmartFinancial Files $100M Mixed Securities Shelf
select
2026-04-20 (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

News

Yahoo Finance
9.5
04-21Yahoo Finance
SmartFinancial Q1 Earnings Highlights
  • Sustainable Loan Growth: SmartFinancial achieved a 14% annualized loan growth rate in Q1, with core deposits growing at 7%, indicating the company's ability to maintain strong growth in a competitive market, with expectations of sustaining a growth rate around 10% to enhance market share.
  • Strong Financial Performance: The company reported total operating revenue of $53.8 million, up from $53.3 million in the previous quarter, with operating earnings of $13.7 million and diluted earnings per share of $0.81, reflecting ongoing improvements in revenue and profitability, thereby boosting investor confidence.
  • Good Asset Quality: Nonperforming assets accounted for only 25 basis points of total assets, demonstrating effective credit management, while the allowance for credit losses increased to $44 million, representing 0.97% of total loans, indicating a prudent approach to potential risks.
  • Effective Cost Control: The company successfully managed operating noninterest expenses to $32.9 million, showcasing strong expense management capabilities, and despite facing competitive pressures, it maintained a high level of operational efficiency with an efficiency ratio of around 60%.
moomoo
4.0
04-21moomoo
SMARTFINANCIAL INC: RAYMOND JAMES INCREASES TARGET PRICE TO $50, UP FROM $47
  • Analyst Upgrade: Raymond James has raised the target price for a specific stock to $50 from $47.
  • Market Impact: This adjustment reflects a positive outlook on the stock's performance in the market.
seekingalpha
9.5
04-20seekingalpha
SmartFinancial Reports Strong Q1 2026 Earnings with Growth in Key Metrics
  • Strong Financial Performance: SmartFinancial reported operating earnings of $13.7 million for Q1 2026, translating to $0.81 per diluted share, with total operating revenue reaching $53.8 million, indicating robust growth in revenue and profitability that enhances investor confidence.
  • Loan and Deposit Growth: The company achieved a 14% annualized growth in loans and a 7% annualized growth in core deposits, while nonperforming assets remained low at only 25 basis points, reflecting strong credit quality and market demand that supports sustainable future growth.
  • Management Changes and Strategy: The appointment of a new Director of Private Banking and Wealth Management is expected to drive continued growth in wealth and investment services, which management highlighted as a significant business driver, likely to further enhance overall performance.
  • Outlook: The net interest margin is anticipated to remain relatively flat in Q2, with noninterest income projected at approximately $7.8 million and noninterest expenses expected to range from $34 million to $34.5 million, as management maintains a cautiously optimistic view on future profitability and market competition.
seekingalpha
9.5
04-20seekingalpha
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
04-20NASDAQ.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.
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
Keefe Bruyette
Catherine Mealor
Market Perform
maintain
$42 -> $46
AI Analysis
2026-04-21
Reason
Keefe Bruyette
Catherine Mealor
Price Target
$42 -> $46
AI Analysis
2026-04-21
maintain
Market Perform
Reason
Keefe Bruyette analyst Catherine Mealor raised the firm's price target on SmartFinancial to $46 from $42 and keeps a Market Perform rating on the shares. SmartFinancial is on track for three consecutive years of positive operating leverage, the analyst tells investors in a research note.
Raymond James
Strong Buy
maintain
$47 -> $50
2026-04-20
Reason
Raymond James
Price Target
$47 -> $50
2026-04-20
maintain
Strong Buy
Reason
Raymond James raised the firm's price target on SmartFinancial to $50 from $47 and keeps a Strong Buy rating on the shares. The company's Q1 results were a continuation of strong trends the bank has demonstrated over the past two years as it continues to leverage its franchise and drive strong returns, the analyst tells investors in a research note. The firm added that strong Q1 loan growth, NIM expansion, and continued expense controls bode well for a continued EPS ramp.
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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 11.91. 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
11.91
Current PE
14.10
Overvalued PE
13.75
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
0.42
Current EV/EBITDA
4.64
Overvalued EV/EBITDA
2.00
Undervalued EV/EBITDA
-1.15

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
2.63
Current PS
2.92
Overvalued PS
2.91
Undervalued PS
2.34

Financials

AI Analysis
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Whales Holding SMBK

N
North Reef Capital Management LP
Holding
SMBK
-3.74%
3M Return

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Frequently Asked Questions

What is SmartFinancial Inc (SMBK) stock price today?

The current price of SMBK is 42.28 USD — it has decreased -0.09

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 49.27M USD, increased 16.72

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 20.90

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

SmartFinancial Inc (SMBK) has 581 emplpoyees as of May 11 2026.

What is SmartFinancial Inc (SMBK) market cap?

Today SMBK has the market capitalization of 722.92M USD.