Should You Buy SmartFinancial Inc (SMBK) Today? Analysis, Price Targets, and 2026 Outlook.
Conclusion
Buy
Latest Price
39.590
1 Day change
1.25%
52 Week Range
42.960
Analysis Updated At
2026/01/26
SmartFinancial Inc (SMBK) is a good buy for a beginner investor with a long-term strategy and $50,000-$100,000 available for investment. The company's strong financial performance, positive analyst upgrades, and bullish technical indicators support this decision. Despite hedge fund selling, the stock's fundamentals and growth potential make it a solid choice for long-term investment.
Technical Analysis
The stock exhibits bullish moving averages (SMA_5 > SMA_20 > SMA_200), a positive MACD histogram of 0.219, and a neutral RSI of 50.115. The current pre-market price is $39.22, slightly below the pivot level of $39.812, with resistance at $41.951 and support at $37.674. These indicators suggest a stable upward trend.
Options Data
Neutral
Open Interest Put-Call Ratio
Bullish
Option Volume Put-Call Ratio
Technical Summary
Sell
2
Buy
10
Positive Catalysts
Record Q4 2025 earnings with a 44% YoY revenue increase and a 42% net income growth.
Analysts upgraded the stock to 'Outperform' with a price target of $
Positive sentiment from news and strong loan and deposit growth.
Neutral/Negative Catalysts
Hedge funds are selling, with a 214.25% increase in selling activity last quarter.
No significant insider buying or congress trading activity to support confidence.
Financial Performance
In Q4 2025, SmartFinancial reported a 14.66% YoY revenue increase to $48.4 million, a 42.13% YoY net income growth to $13.7 million, and a 42.11% YoY EPS increase to $0.81. These results highlight strong financial growth and operational efficiency.
Growth
Profitability
Efficiency
Analyst Ratings and Price Target Trends
Analysts have a positive outlook on SMBK, with recent upgrades to 'Outperform' and a price target increase to $48. The average price target is $43.38, reflecting confidence in the company's future performance.
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 40.13 USD with a low forecast of 37 USD and a high forecast of 44 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.
4 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 40.13 USD with a low forecast of 37 USD and a high forecast of 44 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
3 Hold
0 Sell
Hold
Current: 39.100
Low
37
Averages
40.13
High
44
Current: 39.100
Low
37
Averages
40.13
High
44
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.
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