Smartfinancial Stock Analysis
| SMBK Stock | USD 37.00 0.01 0.03% |
SmartFinancial has over 47.78 Million in debt which may indicate that it relies heavily on debt financing. At this time, SmartFinancial's Short and Long Term Debt Total is quite stable compared to the past year. Debt To Equity is expected to rise to 0.11 this year, although the value of Long Term Debt will most likely fall to about 45.2 M. SmartFinancial's financial risk is the risk to SmartFinancial stockholders that is caused by an increase in debt.
Asset vs Debt
Equity vs Debt
SmartFinancial's liquidity is one of the most fundamental aspects of both its future profitability and its ability to meet different types of ongoing financial obligations. SmartFinancial's cash, liquid assets, total liabilities, and shareholder equity can be utilized to evaluate how much leverage the Company is using to sustain its current operations. For traders, higher-leverage indicators usually imply a higher risk to shareholders. In addition, it helps SmartFinancial Stock's retail investors understand whether an upcoming fall or rise in the market will negatively affect SmartFinancial's stakeholders.
For most companies, including SmartFinancial, marketable securities, inventories, and receivables are the most common assets that could be converted to cash. However, for SmartFinancial, the most critical issue when managing liquidity is ensuring that current assets are properly aligned with current liabilities. If they are not, SmartFinancial's management will need to obtain alternative financing to ensure there are always enough cash equivalents on the balance sheet to meet obligations.
At this time, SmartFinancial's Liabilities And Stockholders Equity is quite stable compared to the past year. Total Current Liabilities is expected to rise to about 5.7 B this year, although the value of Non Current Liabilities Total will most likely fall to about 54.8 M. SmartFinancial is fairly valued with Real Value of 36.78 and Target Price of 40.46. The main objective of SmartFinancial stock analysis is to determine its intrinsic value, which is an estimate of what SmartFinancial is worth, separate from its market price. There are two main types of SmartFinancial's stock analysis: fundamental analysis and technical analysis.
The SmartFinancial stock is traded in the USA on New York Stock Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA.
SmartFinancial | Build AI portfolio with SmartFinancial Stock |
SmartFinancial Stock Analysis Notes
About 60.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 1.18. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. SmartFinancial last dividend was issued on the 17th of November 2025. The entity had 1:4 split on the 23rd of September 2015. SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers. 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. Smartfinancial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 5 people. To find out more about SmartFinancial contact William Carroll at 865 437 5700 or learn more at https://www.smartbank.com.SmartFinancial Quarterly Total Revenue |
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SmartFinancial Investment Alerts
| About 60.0% of the company shares are owned by institutional investors | |
| On 2nd of December 2025 SmartFinancial paid $ 0.08 per share dividend to its current shareholders | |
| Latest headline from finance.yahoo.com: SmartFinancial, Inc. Announces Extension of Exchange Offer for 7.25 percent Fixed-to-Floating Rate Subordinated Notes due 2035 |
SmartFinancial Upcoming and Recent Events
| 22nd of April 2024 Upcoming Quarterly Report | View | |
| 22nd of July 2024 Next Financial Report | View | |
| 31st of March 2024 Next Fiscal Quarter End | View | |
| 27th of January 2025 Next Fiscal Year End | View | |
| 31st of December 2023 Last Quarter Report | View | |
| 31st of December 2023 Last Financial Announcement | View |
SmartFinancial Largest EPS Surprises
Earnings surprises can significantly impact SmartFinancial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2017-10-30 | 2017-09-30 | 0.25 | 0.22 | -0.03 | 12 | ||
2017-07-25 | 2017-06-30 | 0.23 | 0.2 | -0.03 | 13 | ||
2020-10-20 | 2020-09-30 | 0.4 | 0.44 | 0.04 | 10 |
SmartFinancial Environmental, Social, and Governance (ESG) Scores
SmartFinancial's ESG score is a quantitative measure that evaluates SmartFinancial's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of SmartFinancial's operations that may have significant financial implications and affect SmartFinancial's stock price as well as guide investors towards more socially responsible investments.
SmartFinancial Stock Institutional Investors
Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Banc Funds Co Llc | 2025-06-30 | 200.6 K | Alliancebernstein L.p. | 2025-06-30 | 183.9 K | Foundry Partners, Llc | 2025-03-31 | 183.2 K | Csm Advisors, Llc | 2025-06-30 | 177.6 K | Hillsdale Investment Management Inc. | 2025-06-30 | 160.2 K | Stieven Capital Advisors, L.p. | 2025-06-30 | 147.8 K | Northern Trust Corp | 2025-06-30 | 141.4 K | Deprince Race & Zollo Inc | 2025-06-30 | 129.3 K | Bridgeway Capital Management, Llc | 2025-06-30 | 127.5 K | Blackrock Inc | 2025-06-30 | 1.3 M | Dimensional Fund Advisors, Inc. | 2025-06-30 | 820.8 K |
SmartFinancial Market Capitalization
The company currently falls under 'Small-Cap' category with a current market capitalization of 634.63 M.SmartFinancial Profitablity
The company has Profit Margin (PM) of 0.25 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.41 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.41.| Last Reported | Projected for Next Year | ||
| Return On Capital Employed | 0.07 | 0.04 | |
| Return On Equity | 0.07 | 0.03 |
Management Efficiency
The value of Return On Tangible Assets is estimated to slide to 0. The value of Return On Capital Employed is expected to slide to 0.04. At this time, SmartFinancial's Liabilities And Stockholders Equity is quite stable compared to the past year. Total Current Liabilities is expected to rise to about 5.7 B this year, although the value of Non Current Liabilities Total will most likely fall to about 54.8 M. SmartFinancial's management efficiency ratios could be used to measure how well SmartFinancial manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 33.70 | 32.02 | |
| Tangible Book Value Per Share | 26.52 | 25.20 | |
| Enterprise Value Over EBITDA | 3.92 | 3.72 | |
| Price Book Value Ratio | 1.22 | 1.34 | |
| Enterprise Value Multiple | 3.92 | 3.72 | |
| Price Fair Value | 1.22 | 1.34 | |
| Enterprise Value | 77.2 M | 81.1 M |
SmartFinancial's management has consistently demonstrated strong leadership, driving both financial growth and operational excellence. By analyzing current market trends and future growth opportunities, we assess the stock's true value and potential for investors.
Technical Drivers
As of the 8th of January, SmartFinancial has the Risk Adjusted Performance of 0.0598, semi deviation of 1.52, and Coefficient Of Variation of 1360.31. In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of SmartFinancial, as well as the relationship between them.SmartFinancial Price Movement Analysis
The output start index for this execution was one with a total number of output elements of sixty. The Parabolic SAR indicator is used to determine the direction of SmartFinancial's momentum and the point in time when SmartFinancial has higher than normal probability directional change.
SmartFinancial Insider Trading Activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific SmartFinancial insiders, such as employees or executives, is commonly permitted as long as it does not rely on SmartFinancial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases SmartFinancial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
SmartFinancial Outstanding Bonds
SmartFinancial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. SmartFinancial uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most SmartFinancial bonds can be classified according to their maturity, which is the date when SmartFinancial has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| MPLX LP 4125 Corp BondUS55336VAK61 | View | |
| MPLX LP 52 Corp BondUS55336VAL45 | View | |
| Morgan Stanley 3591 Corp BondUS61744YAK47 | View | |
| Morgan Stanley 3971 Corp BondUS61744YAL20 | View | |
| MGM Resorts International Corp BondUS552953CD18 | View | |
| Valero Energy Partners Corp BondUS91914JAA07 | View |
SmartFinancial Predictive Daily Indicators
SmartFinancial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of SmartFinancial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
SmartFinancial Corporate Filings
8K | 5th of January 2026 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
F4 | 2nd of January 2026 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
F4 | 11th of December 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
| 3rd of December 2025 Other Reports | ViewVerify | |
| 1st of December 2025 Other Reports | ViewVerify | |
| 25th of November 2025 Other Reports | ViewVerify | |
F4 | 18th of November 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
10Q | 7th of November 2025 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations | ViewVerify |
SmartFinancial Forecast Models
SmartFinancial's time-series forecasting models are one of many SmartFinancial's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary SmartFinancial's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.SmartFinancial Debt to Cash Allocation
SmartFinancial currently holds 47.78 M in liabilities with Debt to Equity (D/E) ratio of 9.22, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Note, when we think about SmartFinancial's use of debt, we should always consider it together with its cash and equity.SmartFinancial Total Assets Over Time
SmartFinancial Assets Financed by Debt
The debt-to-assets ratio shows the degree to which SmartFinancial uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.SmartFinancial Debt Ratio | 0.99 |
SmartFinancial Corporate Bonds Issued
SmartFinancial Net Debt
About SmartFinancial Stock Analysis
Stock analysis is the technique used by a trader or investor to examine and evaluate how SmartFinancial prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling SmartFinancial shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as SmartFinancial. By using and applying SmartFinancial Stock analysis, traders can create a robust methodology for identifying SmartFinancial entry and exit points for their positions.
| Last Reported | Projected for Next Year | ||
| Pretax Profit Margin | 0.18 | 0.17 | |
| Operating Profit Margin | 0.14 | 0.15 | |
| Net Profit Margin | 0.15 | 0.24 | |
| Gross Profit Margin | 0.52 | 0.55 |
Current SmartFinancial Analysis - Recommendations
We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. SmartFinancial analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. SmartFinancial analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
| Target Price | Advice | # of Analysts | |
| 40.46 | Buy | 6 | Odds |
Most SmartFinancial analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand SmartFinancial stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of SmartFinancial, talking to its executives and customers, or listening to SmartFinancial conference calls.
SmartFinancial Stock Analysis Indicators
SmartFinancial stock analysis indicators help investors evaluate how SmartFinancial stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading SmartFinancial shares will generate the highest return on investment. By understating and applying SmartFinancial stock analysis, traders can identify SmartFinancial position entry and exit signals to maximize returns.
| Begin Period Cash Flow | 352.3 M | |
| Total Stockholder Equity | 491.3 M | |
| Net Borrowings | -6.5 M | |
| Property Plant And Equipment Net | 91.1 M | |
| Cash And Short Term Investments | 684.7 M | |
| Cash | 373.5 M | |
| 50 Day M A | 36.7058 | |
| Net Interest Income | 137.3 M | |
| Total Current Liabilities | 4.7 B | |
| Forward Price Earnings | 14.1044 | |
| Investments | -420.2 M | |
| Interest Expense | 113.8 M | |
| Stock Based Compensation | 1.6 M | |
| Long Term Debt | 39.7 M | |
| Common Stock Shares Outstanding | 16.9 M | |
| Total Cashflows From Investing Activities | -420.2 M | |
| Tax Provision | 9.3 M | |
| Quarterly Earnings Growth Y O Y | 0.5 | |
| Net Debt | -325.7 M | |
| Other Operating Expenses | 239.8 M | |
| Non Current Assets Total | 4.5 B | |
| Liabilities And Stockholders Equity | 5.3 B | |
| Non Currrent Assets Other | 222.7 M |
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in SmartFinancial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics. For more information on how to buy SmartFinancial Stock please use our How to buy in SmartFinancial Stock guide.You can also try the Portfolio Holdings module to check your current holdings and cash postion to detemine if your portfolio needs rebalancing.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of SmartFinancial. If investors know SmartFinancial will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about SmartFinancial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.5 | Dividend Share 0.32 | Earnings Share 2.74 | Revenue Per Share | Quarterly Revenue Growth 0.222 |
The market value of SmartFinancial is measured differently than its book value, which is the value of SmartFinancial that is recorded on the company's balance sheet. Investors also form their own opinion of SmartFinancial's value that differs from its market value or its book value, called intrinsic value, which is SmartFinancial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because SmartFinancial's market value can be influenced by many factors that don't directly affect SmartFinancial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between SmartFinancial's value and its price as these two are different measures arrived at by different means. Investors typically determine if SmartFinancial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, SmartFinancial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.