/SMBK
SMBK Stock - SmartFinancial, Inc.
Financial Services|Banks - RegionalNASDAQ
$38.70-2.27%
$0.90 (-2.27%) • Dec 19
67
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.HOLD
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.81
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).54
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.90
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+2.1%upside
Target: $39.51
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ENTRY ZONE$38.31 – $39.09
TARGET (TP)$39.50
STOP LOSS$35.60
RISK/REWARD1:0.3
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Price Chart
Financial Statements
Revenue & Profitability Trend
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Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta0.75
52W High$40.08
52W Low$26.31
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $285.27M | $240.37M | $186.55M | $149.18M | $133.04M |
| Gross Profit | $166.35M | $149.38M | $161.20M | $135.71M | $107.61M |
| Gross Margin | 58.3% | 62.1% | 86.4% | 91.0% | 80.9% |
| Operating Income | $45.46M | $36.23M | $54.91M | $44.32M | $30.89M |
| Net Income | $36.14M | $28.59M | $43.02M | $34.79M | $24.33M |
| Net Margin | 12.7% | 11.9% | 23.1% | 23.3% | 18.3% |
| EPS | $2.16 | $1.70 | $2.57 | $2.23 | $1.63 |
Company Overview
SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers. It operates through Commercial Real Estate, Consumer Real Estate, Construction and Land Development, Commercial and Industrial, and Consumer and Other segments. The company offers noninterest-bearing and interest-bearing checking, interest-bearing demand, savings, money market, time deposit, individual retirement accounts, as well as certificates of deposit. It also provides commercial and residential real estate, consumer real estate, and construction and land development loans; commercial and financial loans; mortgage loans; and direct consumer installment loans, educational, and other revolving credit loans; and overdraft facilities. In addition, the company offers wealth management, insurance, mortgage origination, and Internet and mobile banking services. As of March 1, 2022, it had 41 full-service branches and 2 loan production offices in East and Middle Tennessee, Alabama, and the Florida Panhandle. The company is headquartered in Knoxville, Tennessee.
Visit WebsiteRating Distribution
Strong Buy
1
14%
Buy / Outperform
1
14%
Hold / Neutral
5
71%
Sell / Underperform
0%
Analyst Consensus🔴 Bearish
2 Bullish5 Neutral/Bearish
Price Targets
$31
Average Target
↓ 21.0% Downside
Now
$23
Low
$31
Average
$41
High
Based on 13 analysts
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| October 23rd 2025 | Hovde Group | Reiterated | Market Perform | $41← $40 |
| July 23rd 2025 | Hovde Group | Reiterated | Market Perform | $40← $37.5 |
| December 9th 2024 | Stephens | Downgrade | Equal Weight | - |
| October 23rd 2024 | Hovde Group | Reiterated | Market Perform | $32.5← $28 |
| July 24th 2024 | Hovde Group | Reiterated | Market Perform | $28← $24 |
| July 24th 2024 | Piper Sandler | Downgrade | Neutral | $28← $26 |
| April 24th 2024 | Hovde Group | Reiterated | Market Perform | $23← $26 |
| April 24th 2024 | Piper Sandler | Upgrade | Overweight | $26← $25 |
| July 31st 2023 | Raymond James | Upgrade | Strong Buy | $30 |
| March 3rd 2023 | Raymond James | Resumed | Market Perform | - |
| January 25th 2023 | Piper Sandler | Downgrade | Neutral | $28← $34 |
| January 25th 2023 | Janney | Downgrade | Neutral | $30 |
| January 4th 2023 | Hovde Group | Downgrade | Market Perform | $31 |
| October 31st 2022 | DA Davidson | Downgrade | Neutral | $33 |
| July 7th 2022 | Raymond James | Downgrade | Outperform | $27← $33 |
Earnings History & Surprises
SMBKBeat Rate
67%
Last 15 quarters
Avg Surprise
+12.3%
EPS vs Estimate
Beats / Misses
10/4
1 met exactly
Latest EPS
$0.86
Q4 2025
EPS Surprise History
Q1 24
No data
Q2 24
+19.5%
$0.49vs$0.41
Q3 24
+17.9%
$0.46vs$0.39
Q4 24
+14.9%
$0.54vs$0.47
Q1 25
+14.0%
$0.57vs$0.50
Q2 25
+21.8%
$0.67vs$0.55
Q3 25
+4.5%
$0.69vs$0.66
Q4 25
+17.8%
$0.86vs$0.73
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 20, 2026 | — | — | — | — |
Q1 2026 | Jan 20, 2026 | $0.80 | — | — | — |
Q4 2025 | Oct 21, 2025 | $0.73 | $0.86 | +17.8% | ✓ BEAT |
Q3 2025 | Jul 21, 2025 | $0.66 | $0.69 | +4.5% | ✓ BEAT |
Q2 2025 | Apr 21, 2025 | $0.55 | $0.67 | +21.8% | ✓ BEAT |
Q1 2025 | Jan 21, 2025 | $0.50 | $0.57 | +14.0% | ✓ BEAT |
Q4 2024 | Oct 21, 2024 | $0.47 | $0.54 | +14.9% | ✓ BEAT |
Q3 2024 | Jul 22, 2024 | $0.39 | $0.46 | +17.9% | ✓ BEAT |
Q2 2024 | Apr 22, 2024 | $0.41 | $0.49 | +19.5% | ✓ BEAT |
Q1 2024 | Mar 15, 2024 | — | $0.37 | — | — |
Q4 2023 | Oct 23, 2023 | $0.47 | $0.43 | -8.5% | ✗ MISS |
Q3 2023 | Jul 24, 2023 | $0.53 | $0.52 | -1.9% | ✗ MISS |
Q2 2023 | Apr 24, 2023 | $0.60 | $0.68 | +13.3% | ✓ BEAT |
Q1 2023 | Mar 16, 2023 | — | $0.77 | — | — |
Q4 2022 | Oct 24, 2022 | $0.73 | $0.68 | -6.8% | ✗ MISS |
Q3 2022 | Jul 25, 2022 | $0.61 | $0.61 | 0.0% | = MET |
Q2 2022 | Apr 25, 2022 | $0.51 | $0.49 | -3.9% | ✗ MISS |
Q1 2022 | Mar 14, 2022 | — | $0.40 | — | — |
Q4 2021 | Oct 19, 2021 | $0.39 | $0.61 | +56.4% | ✓ BEAT |
Q3 2021 | Jul 20, 2021 | $0.46 | $0.58 | +26.1% | ✓ BEAT |
Latest News
Keefe, Bruyette & Woods Maintains Market Perform on SmartFinancial, Raises Price Target to $40
📈 PositiveBenzinga•Nov 4, 2025, 01:53 PM
Piper Sandler Maintains Neutral on SmartFinancial, Raises Price Target to $39.5
➖ NeutralBenzinga•Oct 27, 2025, 02:43 PM
SmartFinancial Q3 Adj. EPS $0.86 Beats $0.73 Estimate, Sales $51.030M Miss $51.338M Estimate
📈 PositiveBenzinga•Oct 21, 2025, 09:04 PM
On Sept 5, SmartFinancial's Subsidiary Smartbank Sold 100% Of Equity Interests Of SBK Insurance To Insuragent Purchaser
➖ NeutralBenzinga•Sep 8, 2025, 09:15 PM
Frequently Asked Questions about SMBK
What is SMBK's current stock price?
SmartFinancial, Inc. (SMBK) is currently trading at $38.70 per share. The stock has moved -2.27% today.
What is the analyst price target for SMBK?
The average analyst price target for SMBK is $39.50, based on 1 analyst.
What sector is SmartFinancial, Inc. in?
SmartFinancial, Inc. operates in the Financial Services sector, specifically within the Banks - Regional industry. The company is traded on the NASDAQ exchange.
What is SMBK's market cap?
SmartFinancial, Inc. has a market capitalization of $0.66 billion, making it a small-cap company.
Does SMBK pay dividends?
No, SmartFinancial, Inc. does not currently pay a dividend to shareholders.
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