SMBK Stock Analysis: SmartFinancial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 881m USD | 12M Return: 39.2% | US83190L2088 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 5.43M
EPS Trend: 82.1%
Qual. Beats: 1
Rev. Trend: 98.9%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
SmartFinancial, Inc. (NYSE: SMBK) is the bank holding company for SmartBank, a regional bank providing a range of financial services to individuals and businesses across Tennessee, Alabama, and Florida, with its headquarters in Knoxville, Tennessee.
The companys core business model follows a traditional community and regional banking approach, generating revenue through net interest income on loans and deposits, supplemented by fee-based services. Its deposit offerings include checking, savings, money market, IRAs, and certificates of deposit, while its lending activities span commercial and residential real estate, construction and land development, commercial and industrial loans, consumer loans, and equipment financing leases for small and mid-size businesses.
In addition to traditional banking, SmartFinancial diversifies its revenue through wealth management, insurance, mortgage origination, and digital banking services. As a GICS-classified Regional Bank within the Financials sector, the company competes in the Southeast U.S. market, serving both retail and commercial customers with a mix of interest-earning and fee-generating products.
- Net interest margin expansion lifts profitability on elevated rates
- Commercial real estate loan concentration poses credit risk in Southeast markets
- Noninterest income grows through wealth management and mortgage origination
| Net Income: 57.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.18 > 1.0 |
| NWC/Revenue: -1.46k% < 20% (prev -1.43k%; Δ -27.61% < -1%) |
| CFO/TA 0.01 > 3% & CFO 73.4m > Net Income 57.4m |
| Net Debt (-532.5m) to EBITDA (78.8m): -6.76 < 3 |
| Current Ratio: 0.07 > 1.5 & < 3 |
| Outstanding Shares: last quarter (17.0m) vs 12m ago 0.49% < -2% |
| Gross Margin: 62.96% > 18% (prev 59.35%; Δ 3.61% > 0.5%) |
| Asset Turnover: 5.71% > 50% (prev 5.49%; Δ 0.22% > 0%) |
| Interest Coverage Ratio: 0.59 > 6 (EBIT TTM 71.0m / Interest Expense TTM 121.0m) |
| A: -0.79 (Total Current Assets 379.4m - Total Current Liabilities 5.20b) / Total Assets 6.12b |
| B: 0.05 (Retained Earnings 275.8m / Total Assets 6.12b) |
| C: 0.01 (EBIT TTM 71.0m / Avg Total Assets 5.80b) |
| D: 0.10 (Book Value of Equity 576.8m / Total Liabilities 5.54b) |
| Altman-Z'' = -4.83 = D |
| DSRI: 0.22 (Receivables 15.2m/61.6m, Revenue 331.2m/301.5m) |
| GMI: 0.94 (GM 59.35% / 62.96%) |
| AQI: 1.05 (AQ_t 0.92 / AQ_t-1 0.88) |
| SGI: 1.10 (Revenue 331.2m / 301.5m) |
| TATA: -0.00 (NI 57.4m - CFO 73.4m) / TA 6.12b) |
| Beneish M = -3.62 (Cap -4..+1) = AAA |
As of September 27, 2026, the stock is trading at USD 50.32 with a total of 87,711 shares traded. Over the past week, the price has changed by -2.65%, over one month by -1.04%, over three months by +8.03% and over the past year by +39.17%.
Current recommended Stop Loss: 48.90 (which is 2.8% or 1.3 ATR below the current price).
SmartFinancial has received a consensus analysts rating of 3.33. Therefore, it is recommended to hold SMBK.
- StrongBuy: 1
- Buy: 0
- Hold: 5
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 52.7 | 4.7% |
P/E Trailing = 15.2035
P/E Forward = 14.1044
P/S = 4.3159
P/B = 1.5323
Revenue TTM = 331.2m USD
EBIT TTM = 71.0m USD
EBITDA TTM = 78.8m USD
Long Term Debt = 98.8m USD (from longTermDebt, last quarter)
Short Term Debt = 1.46m USD (from shortTermDebt, last quarter)
Debt = 110.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -532.5m USD (calculated: Debt 110.4m - CCE 642.9m)
Enterprise Value = 348.7m USD (881.3m + Debt 110.4m - CCE 642.9m)
Interest Coverage Ratio = 0.59 (Ebit TTM 71.0m / Interest Expense TTM 121.0m)
EV/FCF = 4.95x (Enterprise Value 348.7m / FCF TTM 70.5m)
FCF Yield = 20.21% (FCF TTM 70.5m / Enterprise Value 348.7m)
FCF Margin = 21.28% (FCF TTM 70.5m / Revenue TTM 331.2m)
Net Margin = 17.33% (Net Income TTM 57.4m / Revenue TTM 331.2m)
Gross Margin = 62.96% ((Revenue TTM 331.2m - Cost of Revenue TTM 122.7m) / Revenue TTM)
Gross Margin QoQ = 63.41% (prev 65.46%)
Tobins Q-Ratio = 0.06 (Enterprise Value 348.7m / Total Assets 6.12b)
Interest Expense / Debt = 109.6% (Interest Expense 121.0m / Debt 110.4m)
Taxrate = 19.14% (13.6m / 71.0m)
NOPAT = 57.4m (EBIT 71.0m * (1 - 19.14%))
Current Ratio = 0.07 (Total Current Assets 379.4m / Total Current Liabilities 5.20b)
Debt / Equity = 0.19 (Debt 110.4m / totalStockholderEquity, last quarter 576.8m)
Debt / EBITDA = -6.76 (Net Debt -532.5m / EBITDA 78.8m)
Debt / FCF = -7.56 (Net Debt -532.5m / FCF TTM 70.5m)
Total Stockholder Equity = 557.4m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.99% (Net Income 57.4m / Total Assets 6.12b)
RoE = 10.30% (Net Income TTM 57.4m / Total Stockholder Equity 557.4m)
RoCE = 10.82% (EBIT 71.0m / Capital Employed (Equity 557.4m + L.T.Debt 98.8m))
RoIC = 0.94% (NOPAT 57.4m / Invested Capital 6.10b)
WACC = 7.14% (E(881.3m)/V(991.7m) * Re(8.03%) + (debt cost/tax rate unavailable))
Discount Rate = 8.03% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 67.11 | Cagr: 0.10%
[DCF] Terminal Value 77.97% ; FCFF base≈63.6m ; Y1≈72.9m ; Y5≈107.3m
[DCF] Fair Price = 125.6 (EV 1.61b - Net Debt -532.5m = Equity 2.15b / Shares 17.1m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 82.11 | EPS CAGR: 22.51% | SUE: 1.50 | # QB: 1
Revenue Correlation: 98.94 | Revenue CAGR: 14.32% | SUE: 0.74 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.96 | Chg30d=+0.18% | Revisions=+25% | Analysts=6
EPS current Year (2026-12-31): EPS=3.74 | Chg30d=-0.03% | Revisions=+0% | GrowthEPS=+23.3% | GrowthRev=+12.6%
EPS next Year (2027-12-31): EPS=4.19 | Chg30d=+0.20% | Revisions=+25% | GrowthEPS=+12.1% | GrowthRev=+9.4%
[Analyst] Revisions Ratio: +40% (up=2, down=0)