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SmartFinancial, Inc. (SMBK)

Financial Services | Banks - Regional | Knoxville, United States | NYSE
46.74 USD +0.25 (0.538%) ⇧ (July 13, 2026, 4 p.m. EDT)

Short-term:★★★⯪☆Long-term:★★★⯪☆Dividends:★★⯪☆☆
Hot Take | July 11, 2026, 4:25 a.m. EDT

SmartFinancial presents a compelling case for a patient buyer, driven by a robust recovery in its multi-year price trajectory and improving operational metrics. The stock has successfully erased previous declines, posting a +130% gain over the last nine years with no consecutive negative years at the end of the window, signaling a healthy structural rebound. Fundamentally, the company is showing signs of strength with loan growth fueling deposit increases and widening margins; earnings grew 21% in the first quarter, and the forward P/E of 11.1x suggests the market is pricing in continued expansion without excessive optimism. However, the short-term outlook faces headwinds from a statistically modeled downside bias and a recent dip below the 50-day moving average, creating a tactical hesitation despite the solid long-term setup. The dividend yield of 0.7% is negligible for income investors, offering no cushion against volatility. Overall, this is a solid mid-tier buy for those willing to ride out the near-term noise in exchange for participation in a recovering regional bank franchise.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL_48_126 ✓0.030919
AutoTheta0.040629
AutoARIMA0.041232
AutoETS0.041823
MSTL0.042816
MSTL_480.047868
MSTL_1260.048068

Forecast horizon: 60 days | Selected: MSTL_48_126

Forecast Reliability
Score 47%
H-stat 9.39
Ljung-Box p 0.000
Jarque-Bera p 0.112
Excess Kurtosis -0.39
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-05-14
Last Dividend Date 2026-05-14
Revenue per Share 11.703
Market Cap 799,182,592
Trailing P/E 14.98
Forward P/E 11.18
Beta 0.70
Profit Margins 26.85%
Website https://www.smartbank.com

As of July 11, 2026, 4:25 a.m. EDT: Speculators are positioning for a modest upside move over the next few months, evidenced by significant open interest in out-of-the-money calls expiring in October 2026 at the $50 strike. This bullish bias contrasts sharply with the heavy put open interest at the $45 strike expiring in July, which acts as a localized hedge rather than a directional bet against the stock. Implied volatility is elevated for near-term expiration, suggesting uncertainty around the upcoming earnings report, while longer-dated call IV remains moderate.


Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.22% 0.89% 1.10% 1.10%
Dividend History
Date Dividend Yield %
2026-05-15 0.090000 0.224719
2026-02-13 0.080000 0.192911
2025-11-17 0.080000 0.231147
2025-08-08 0.080000 0.240746
2025-05-02 0.080000 0.259319
2025-01-31 0.080000 0.226886
2024-11-12 0.080000 0.220022
2024-08-09 0.080000 0.300526
2024-05-09 0.080000 0.353201
2024-02-01 0.080000 0.349192
2023-11-10 0.080000 0.376471
2023-08-10 0.080000 0.326797
2023-05-11 0.080000 0.399800
2023-02-09 0.080000 0.295094
2022-11-10 0.070000 0.234114
2022-08-11 0.070000 0.267994
2022-05-12 0.070000 0.287474
2022-02-10 0.070000 0.267380
2021-11-10 0.060000 0.224048
2021-08-05 0.060000 0.242718
2021-05-06 0.060000 0.248963
2021-02-11 0.060000 0.289575
2020-11-06 0.050000 0.337382
2020-08-06 0.050000 0.344353
2020-05-07 0.050000 0.366569
2020-02-06 0.050000 0.227480
2019-11-20 0.050000 0.225023
2009-06-10 0.117647 0.500000
2009-03-11 0.274510 1.944446
2008-12-17 0.274510 1.284405
2008-09-18 0.274510 1.120001
2008-06-11 0.274510 0.875001
2008-03-12 0.274510 0.864198
2007-12-12 0.274510 0.636364
2007-09-14 0.196078 0.408162
2007-06-14 0.196078 0.338982
2007-03-14 0.196078 0.333333
2006-12-13 0.098039 0.156250
2006-09-13 0.117647 0.230326
2006-06-08 0.117647 0.248859
2006-03-13 0.117647 0.229885
2005-12-15 0.117647 0.260869
2005-06-16 0.156863 0.444445
2004-12-22 0.196078 0.634919
Additional Data
dividendRate 0.33
dividendYield 0.71
exDividendDate 2026-05-15
trailingAnnualDividendRate 0.32
trailingAnnualDividendYield 0.0068832003
lastDividendValue 0.09
lastDividendDate 2026-05-15
dividendDate 2026-06-01

Info Dump

Attribute Value
52 Week Change 0.33963883
Address1 5,401 Kingston Pike
Address2 Suite 600
All Time High 66.666664
All Time Low 3.0
Ask 47.05
Ask Size 200
Audit Risk 5
Average Analyst Rating 2.3 - Buy
Average Daily Volume10 Day 85,560
Average Daily Volume3 Month 88,521
Average Volume 88,521
Average Volume10Days 85,560
Beta 0.695
Bid 18.7
Bid Size 100
Board Risk 6
Book Value 32.871
City Knoxville
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 6
Country United States
Crypto Tradeable 0
Currency USD
Current Price 46.74
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 47.21
Day Low 46.1
Display Name SmartFinancial
Dividend Date 1,780,272,000
Dividend Rate 0.33
Dividend Yield 0.71
Earnings Call Timestamp End 1,784,664,000
Earnings Call Timestamp Start 1,784,664,000
Earnings Growth 0.209
Earnings Quarterly Growth 0.216
Earnings Timestamp 1,784,577,600
Earnings Timestamp End 1,784,577,600
Earnings Timestamp Start 1,784,577,600
Ebitda Margins 0.0
Enterprise To Revenue 2.882
Enterprise Value 566,462,656
Eps Current Year 3.66333
Eps Forward 4.18
Eps Trailing Twelve Months 3.12
Esg Populated 0
Ex Dividend Date 1,778,803,200
Exchange NYQ
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 43.5314
Fifty Day Average Change 3.208603
Fifty Day Average Change Percent 0.07370778
Fifty Two Week Change Percent 33.963882
Fifty Two Week High 49.07
Fifty Two Week High Change -2.329998
Fifty Two Week High Change Percent -0.047483146
Fifty Two Week Low 32.64
Fifty Two Week Low Change 14.100002
Fifty Two Week Low Change Percent 0.43198538
Fifty Two Week Range 32.64 - 49.07
Financial Currency USD
First Trade Date Milliseconds 1,065,533,400,000
Five Year Avg Dividend Yield 1.07
Float Shares 15,180,879
Forward Eps 4.18
Forward P E 11.181819
Full Exchange Name NYSE
Full Time Employees 581
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 0.0
Gross Profits 196,528,000
Has Pre Post Market Data 1
Held Percent Insiders 0.110769995
Held Percent Institutions 0.64629996
Implied Shares Outstanding 17,098,473
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Ir Website http://www.cscbank.com/investor-relations/
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,778,803,200
Last Dividend Value 0.09
Last Fiscal Year End 1,767,139,200
Last Split Date 1,442,966,400
Last Split Factor 1:4
Long Business Summary SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers in the United States. The company offers various deposits, including noninterest-bearing and interest-bearing checking, savings, money market, and individual retirement accounts, as well as certificates of deposit. It also provides commercial and residential real estate, consumer real estate, construction and land development, commercial and industrial, and consumer and other loans, as well as leases to small and mid-size companies for equipment financing leases. In addition, the company offers wealth management, insurance, mortgage origination, and internet and mobile banking services. It operates in Tennessee, Alabama, and Florida. SmartFinancial, Inc. is based in Knoxville, Tennessee.
Long Name SmartFinancial, Inc.
Market us_market
Market Cap 799,182,592
Market State PRE
Max Age 86,400
Message Board Id finmb_142913479
Most Recent Quarter 1,774,915,200
Net Income To Common 52,773,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 799,182,628
Number Of Analyst Opinions 6
Open 46.55
Operating Cashflow 63,797,000
Operating Margins 0.37767
Overall Risk 5
Payout Ratio 0.1026
Phone 865 437 5700
Pre Market Change 0.20999908
Pre Market Change Percent 0.449292
Pre Market Price 46.95
Pre Market Time 1,784,033,469
Previous Close 46.49
Price Eps Current Year 12.758883
Price Hint 2
Price To Book 1.4219222
Price To Sales Trailing12 Months 4.0665073
Profit Margins 0.26853
Quote Source Name Delayed Quote
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.33333
Region US
Regular Market Change 0.25
Regular Market Change Percent 0.53775
Regular Market Day High 47.21
Regular Market Day Low 46.1
Regular Market Day Range 46.1 - 47.21
Regular Market Open 46.55
Regular Market Previous Close 46.49
Regular Market Price 46.74
Regular Market Time 1,783,972,803
Regular Market Volume 66,197
Return On Assets 0.00932
Return On Equity 0.09882
Revenue Growth 0.083
Revenue Per Share 11.703
Sand P52 Week Change 0.20365608
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 3
Shares Outstanding 17,098,473
Shares Percent Shares Out 0.0179
Shares Short 305,671
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 227,253
Short Name SmartFinancial, Inc.
Short Percent Of Float 0.019199999
Short Ratio 2.42
Source Interval 15
State TN
Symbol SMBK
Target High Price 54.0
Target Low Price 45.0
Target Mean Price 47.95833
Target Median Price 46.625
Total Cash 357,608,992
Total Cash Per Share 20.915
Total Debt 124,776,000
Total Revenue 196,528,000
Tradeable 0
Trailing Annual Dividend Rate 0.32
Trailing Annual Dividend Yield 0.0068832003
Trailing Eps 3.12
Trailing P E 14.98077
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 39.5902
Two Hundred Day Average Change 7.149803
Two Hundred Day Average Change Percent 0.18059528
Type Disp Equity
Volume 66,197
Website https://www.smartbank.com
Zip 37,919