SmartFinancial, Inc. (SMBK)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
SmartFinancial, Inc. (SMBK) trades at $47.16 with AI Score 79/100 (Grade A). SmartFinancial, Inc. is a bank holding company operating through its subsidiary, SmartBank, providing financial services to individuals and corporate clients. Market cap: $806.28M, Sector: Financial services.
Price live · AI analysis from May 9, 2026SMBK stock analysis for 2026: Analysts have set a consensus price target of $48.00 for SmartFinancial, Inc., suggesting 1.8% upside from the current price of $47.16. The AI MoonshotScore is 79/100, indicating a strong bullish outlook. Key factors: analyst coverage, AI-driven quantitative scoring.
SMBK: 5/7 perspectives are bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →SmartFinancial, Inc. (SMBK) Financial Services Profile
SmartFinancial, Inc., through SmartBank, delivers a comprehensive suite of financial services, including commercial and retail banking, wealth management, and insurance. With a regional focus in Tennessee, Alabama, and Florida, the company leverages a community banking model and digital solutions to serve diverse customer needs, reflected in a P/E ratio of 14.2.
What Is the Investment Thesis for SMBK?
SmartFinancial, Inc. presents a compelling investment case based on its strategic regional presence and diversified financial service offerings. With a market capitalization of $806.28M and a profit margin of 16.3%, the company demonstrates financial stability. Key value drivers include its strong presence in growing Southeastern markets and expansion of digital banking services. Upcoming catalysts include potential acquisitions and organic growth initiatives in underserved markets. Potential risks involve interest rate fluctuations and increased competition from larger regional and national banks. The company's beta of 0.76 indicates lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
SMBK Key Highlights
- Market capitalization of $806.28M, reflecting a solid valuation in the regional banking sector.
- Profit margin of 16.3%, indicating efficient operations and profitability.
- Gross margin of 62.1%, showcasing strong revenue generation relative to the cost of services.
- Dividend yield of 0.76%, providing a modest income stream for investors.
- P/E ratio of 14.2, suggesting a reasonable valuation compared to earnings.
Who Are SMBK's Competitors?
SMBK is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| FFWM First Foundation Inc. | $5.90 | +2.43% | $489.27M | 59 |
| WSFS WSFS Financial Corporation | $77.29 | +0.16% | $4.02B | 81 |
| PB Prosperity Bancshares, Inc. | $70.72 | -0.26% | $7.13B | 80 |
| MCHB Mechanics Bank | $16.21 | +0.31% | 4B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| GBOOY Grupo Financiero Banorte, S.A.B. de C.V. | $54.16 | +0.39% | $30.47B | 67 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are SMBK's Key Strengths?
- Strong regional presence in growing markets.
- Diversified loan portfolio.
- Comprehensive suite of financial services.
- Experienced management team.
What Are SMBK's Weaknesses?
- Limited geographic diversification.
- Smaller scale compared to larger regional banks.
- Reliance on traditional banking model.
- Exposure to interest rate risk.
What Could Drive SMBK Stock Higher?
- Potential acquisitions of smaller community banks to expand market presence.
- Expansion of digital banking services to attract and retain customers.
- Organic growth initiatives in underserved markets.
- Implementation of new technologies to improve operational efficiency.
- Strategic partnerships to expand product offerings.
What Are the Key Risks for SMBK?
- Financial-distress signal — its Altman Z-Score of 0.28 sits in the distress zone (elevated bankruptcy risk).
- Interest rate fluctuations impacting net interest margin.
- Increased competition from larger regional and national banks.
- Economic downturn affecting loan demand and credit quality.
- Regulatory changes increasing compliance costs.
- Cybersecurity threats and data breaches compromising customer data.
What Are the Growth Opportunities for SMBK?
- Expansion in High-Growth Southeastern Markets: SmartFinancial can capitalize on the rapid population and economic growth in the Southeastern United States, particularly in Tennessee, Alabama, and Florida. By strategically opening new branches and expanding its loan portfolio in these areas, the company can increase its market share and revenue. The Southeastern market is projected to grow at an annual rate of 3-4% over the next five years, presenting a significant growth opportunity.
- Enhanced Digital Banking Services: Investing in and expanding its digital banking platform can attract and retain customers, particularly younger demographics who prefer online and mobile banking solutions. By offering a seamless digital experience, SmartFinancial can reduce operational costs and increase customer engagement. The digital banking market is expected to grow by 8-10% annually, providing a substantial opportunity for SmartFinancial to enhance its market position.
- Strategic Acquisitions: Pursuing strategic acquisitions of smaller community banks or financial service providers in its target markets can accelerate growth and expand its geographic footprint. Acquisitions can provide access to new customer bases, product offerings, and talent. The regional banking sector is ripe for consolidation, with numerous smaller banks seeking to be acquired, creating opportunities for SmartFinancial to expand its market presence.
- Wealth Management and Insurance Services: Expanding its wealth management and insurance services can generate additional fee income and diversify its revenue streams. By offering comprehensive financial planning, investment management, and insurance products, SmartFinancial can cater to the evolving needs of its customers and increase customer loyalty. The wealth management and insurance market is projected to grow by 5-7% annually, providing a stable source of revenue.
- Commercial and Industrial Lending: Focusing on commercial and industrial (C&I) lending can drive loan growth and increase profitability. By targeting small and medium-sized businesses in its target markets, SmartFinancial can provide tailored financing solutions to support their growth and expansion. The C&I lending market is expected to grow by 4-6% annually, presenting a significant opportunity for SmartFinancial to expand its loan portfolio.
What Opportunities Does SMBK Have?
- Expansion into new markets within the Southeast.
- Strategic acquisitions of smaller banks.
- Growth in digital banking services.
- Increased wealth management and insurance offerings.
What Threats Does SMBK Face?
- Increased competition from larger regional and national banks.
- Economic downturn impacting loan demand.
- Regulatory changes affecting banking industry.
- Cybersecurity threats and data breaches.
What Are SMBK's Competitive Advantages?
- Strong regional presence in growing Southeastern markets.
- Diversified financial service offerings.
- Established customer relationships.
- Community banking model fostering customer loyalty.
What Does SMBK Do?
SmartFinancial, Inc., headquartered in Knoxville, Tennessee, is the bank holding company for SmartBank. Founded to provide tailored financial solutions to individuals and businesses, SmartBank has grown to operate 41 full-service branches and 2 loan production offices across East and Middle Tennessee, Alabama, and the Florida Panhandle as of March 1, 2022. The company offers a wide array of banking products and services, including noninterest-bearing and interest-bearing checking accounts, savings accounts, money market accounts, time deposits, and individual retirement accounts, as well as certificates of deposit. SmartFinancial also provides a comprehensive suite of lending solutions, including commercial and residential real estate loans, construction and land development loans, commercial and industrial loans, mortgage loans, direct consumer installment loans, educational loans, and other revolving credit loans, along with overdraft facilities. Beyond traditional banking, SmartFinancial extends its services to wealth management, insurance, and mortgage origination, enhancing customer convenience through Internet and mobile banking platforms. The company operates through segments including Commercial Real Estate, Consumer Real Estate, Construction and Land Development, Commercial and Industrial, and Consumer and Other, demonstrating a diversified approach to financial services.
What Products and Services Does SMBK Offer?
- Provides commercial and retail banking services.
- Offers wealth management and insurance products.
- Originates mortgage loans.
- Provides internet and mobile banking services.
- Offers commercial and residential real estate loans.
- Provides construction and land development loans.
- Offers direct consumer installment loans.
How Does SMBK Make Money?
- Generates revenue through interest income from loans.
- Earns fees from wealth management, insurance, and mortgage origination services.
- Collects service charges on deposit accounts.
- Manages risk through diversification of loan portfolio.
What Industry Does SMBK Operate In?
SmartFinancial operates within the regional banking sector, which is characterized by increasing consolidation and technological disruption. The industry is experiencing growth driven by economic expansion in the Southeastern United States, where SmartFinancial has a strong presence. Competition includes both larger national banks and smaller community banks. The trend toward digital banking and mobile payment solutions is reshaping the competitive landscape, requiring regional banks to invest in technology to remain competitive. Regulatory changes and interest rate environments also significantly impact the profitability and growth strategies of regional banks.
Who Are SMBK's Key Customers?
- Individuals seeking personal banking services.
- Small and medium-sized businesses requiring commercial loans.
- Real estate developers needing construction financing.
- Customers seeking wealth management and insurance solutions.
ROE 10%Key Financial Metrics
Return on equity for SmartFinancial, Inc. stands at 9.7%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.9%, showing how much profit it generates from its asset base. SMBK trades at a trailing price-to-earnings ratio of 14.17, below the Financial Services sector average of ~18x. Its free cash flow yield is 6.7%, a gauge of the cash the business throws off relative to its market value. A current ratio of 1.03 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 6.6%, the inverse of the P/E and a quick read on earnings relative to price.
SmartFinancial, Inc. (SMBK) Valuation Context
Valued at $806.28M, SMBK is classified as a small-cap stock. Relative to its peer group, SMBK's quantitative score of 79/100 is roughly in line with the peer average of 72/100.
Company Profile
SmartFinancial, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Knoxville, US. The company is led by CEO William Young Carroll Jr.. SMBK has traded publicly since 2003.
F-Score 6/9Financial Health
SmartFinancial, Inc.'s Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.28 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project SmartFinancial, Inc. revenue of about $226.5M for fiscal 2026, with EPS near $3.66. The estimate reflects 4 contributing analysts.
SMBK Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong regional presence in growing markets.
- Diversified loan portfolio.
- Comprehensive suite of financial services.
- Experienced management team.
Bear Case
- Limited geographic diversification.
- Smaller scale compared to larger regional banks.
- Reliance on traditional banking model.
- Exposure to interest rate risk.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
SMBK Latest News
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SMBK Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for SMBK.
Price Targets
Consensus target: $48.00
SMBK MoonshotScore
What does this score mean?
The MoonshotScore rates SMBK's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Latest SmartFinancial, Inc. Analysis
Leadership: William Young Carroll Jr.
CEO
William Young Carroll Jr. serves as the CEO of SmartFinancial, Inc. His career spans several decades in the banking and financial services industry. Prior to joining SmartFinancial, Carroll held various leadership positions at regional and national banks. He brings extensive experience in strategic planning, risk management, and business development. Carroll's expertise includes navigating complex regulatory environments and driving growth through organic expansion and acquisitions. He is actively involved in community organizations and serves on several boards.
Track Record: Under William Young Carroll Jr.'s leadership, SmartFinancial has experienced significant growth in assets, deposits, and profitability. He has overseen the successful integration of several acquisitions, expanding the company's geographic footprint and market share. Carroll has also spearheaded initiatives to enhance the company's digital banking capabilities and improve customer service. His strategic vision has positioned SmartFinancial as a leading regional bank in the Southeast.
SmartFinancial, Inc. Financial Services Stock: Key Questions Answered
What does SmartFinancial, Inc. do?
SmartFinancial, Inc. operates as the bank holding company for SmartBank, providing a comprehensive suite of financial services to individuals and corporate customers. These services include deposit accounts, commercial and residential real estate loans, construction and land development loans, commercial and industrial loans, mortgage loans, and consumer loans. Additionally, SmartFinancial offers wealth management, insurance, and mortgage origination services, catering to a diverse range of financial needs across East and Middle Tennessee, Alabama, and the Florida Panhandle.
What do analysts say about SMBK stock?
Analyst coverage of SMBK stock generally reflects a positive outlook, citing the company's strong regional presence and diversified financial service offerings. Key valuation metrics, such as the P/E ratio of 14.2, suggest a reasonable valuation compared to earnings. Growth considerations include the company's expansion in high-growth Southeastern markets and its investment in digital banking services. However, analysts also note potential risks, such as interest rate fluctuations and increased competition from larger banks. Overall, analyst consensus points to continued growth and profitability for SmartFinancial.
What are the main risks for SMBK?
The main risks for SmartFinancial include interest rate fluctuations, which can impact the company's net interest margin and profitability. Increased competition from larger regional and national banks poses a threat to market share and customer acquisition. Economic downturns can negatively affect loan demand and credit quality, leading to increased loan losses. Regulatory changes and compliance costs can also impact the company's financial performance. Additionally, cybersecurity threats and data breaches pose a significant risk to customer data and reputation.
What are the key factors to evaluate for SMBK?
SmartFinancial, Inc. (SMBK) holds an AI score of 79/100 (high). P/E: 14.2x vs the S&P 500's ~20-25x. Analysts target $48.00 (+2%). Not financial advice.
How frequently does SMBK data refresh on this page?
SMBK prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven SMBK's recent stock price performance?
SmartFinancial, Inc. (SMBK) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong regional presence in growing markets. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider SMBK overvalued or undervalued right now?
SmartFinancial, Inc. (SMBK) trades at 14.2x earnings. Analysts target $48.00 (+2%) — near fair value. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying SMBK?
Before investing in SmartFinancial, Inc. (SMBK), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data as of 2026-05-09.
- Financial metrics are subject to change based on market conditions and company performance.