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SmartFinancial, Inc. (SMBK)

Financial Services | Banks - Regional | Knoxville, United States | NYSE
50.84 USD +0.43 (0.853%) ⇧ (Oct. 16, 2026, 4 p.m. EDT)
After hours: 50.84

Short-term:★★★⯪☆Long-term:★★★★☆Dividends:★★⯪☆☆
Hot Take ↕ | Oct. 10, 2026, 6:56 a.m. EDT

SmartFinancial presents a compelling long-term opportunity driven by a robust recovery in earnings and asset growth, yet it currently trades at a discount relative to its recent performance. The company has successfully navigated a multi-year downturn, with the last nine years showing a cumulative gain of over 100% and the most recent year delivering double-digit growth. Fundamentals are strengthening significantly, with earnings jumping nearly 40% year-over-year and revenue growing by 16%, while the balance sheet remains healthy with a payout ratio well under 10%. This suggests the market may be pricing in lingering regional bank risks rather than the company's actual operational success. However, the short-term outlook is muted by technical weakness. Despite the positive earnings beat, the stock is trading below its 50-day moving average, and the recent price action shows a lack of aggressive buying momentum. The statistical forecast models also offer only a modest upward bias, which aligns with the cautious sentiment. While the long-term thesis is solid, the immediate path to the upside faces headwinds from this technical lag. Investors should view this as a buy-on-dip scenario rather than a momentum play, waiting for the price to reclaim key averages before committing significant capital.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.064135
MSTL0.151327
AutoETS0.158371
AutoARIMA0.158717

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 47%
H-stat 32.43
Ljung-Box p 0.000
Jarque-Bera p 0.656
Excess Kurtosis -0.67
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-07-30
Last Dividend Date 2026-07-30
Revenue per Share 12.151
Market Cap 869,286,336
Trailing P/E 15.00
Forward P/E 12.15
Beta 0.71
Profit Margins 28.11%
Website https://www.smartbank.com

As of Oct. 10, 2026, 6:56 a.m. EDT: Call volume and open interest are heavily concentrated at the money and slightly out-of-the-money, suggesting speculative positioning for a move toward the $55 strike. Put activity is minimal and focused entirely on the $55 strike, indicating a lack of hedging demand against a drop below current levels. Implied volatility is extremely low, reflecting complacency among option buyers regarding downside risk.


Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.17% 0.82% 1.05% 1.09%
Dividend History
Date Dividend Yield %
2026-07-31 0.090000 0.171756
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 0.34
dividendYield 0.67
exDividendDate 2026-07-31
trailingAnnualDividendRate 0.33
trailingAnnualDividendYield 0.0065463204
lastDividendValue 0.09
lastDividendDate 2026-07-31
dividendDate 2026-08-17

Info Dump

Attribute Value
52 Week Change 0.46115947
Address1 5,401 Kingston Pike
Address2 Suite 600
All Time High 66.666664
All Time Low 3.0
Ask 53.62
Ask Size 400
Audit Risk 4
Average Analyst Rating 2.3 - Buy
Average Daily Volume10 Day 89,890
Average Daily Volume3 Month 122,464
Average Volume 122,464
Average Volume10Days 89,890
Beta 0.71
Bid 48.77
Bid Size 100
Board Risk 6
Book Value 33.735
City Knoxville
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 6
Country United States
Crypto Tradeable 0
Currency USD
Current Price 50.84
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 51.675
Day Low 50.03
Display Name SmartFinancial
Dividend Date 1,786,924,800
Dividend Rate 0.34
Dividend Yield 0.67
Earnings Call Timestamp End 1,792,526,400
Earnings Call Timestamp Start 1,792,526,400
Earnings Growth 0.391
Earnings Quarterly Growth 0.394
Earnings Timestamp 1,792,440,000
Earnings Timestamp End 1,792,440,000
Earnings Timestamp Start 1,792,440,000
Ebitda Margins 0.0
Enterprise To Revenue 2.905
Enterprise Value 593,132,992
Eps Current Year 3.73667
Eps Forward 4.185
Eps Trailing Twelve Months 3.39
Esg Populated 0
Ex Dividend Date 1,785,456,000
Exchange NYQ
Exchange Data Delayed By 20
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 51.0494
Fifty Day Average Change -0.20940018
Fifty Day Average Change Percent -0.0041019125
Fifty Two Week Change Percent 46.115948
Fifty Two Week High 54.14
Fifty Two Week High Change -3.2999992
Fifty Two Week High Change Percent -0.06095307
Fifty Two Week Low 34.21
Fifty Two Week Low Change 16.630001
Fifty Two Week Low Change Percent 0.48611522
Fifty Two Week Range 34.21 - 54.14
Financial Currency USD
First Trade Date Milliseconds 1,065,533,400,000
Five Year Avg Dividend Yield 1.01
Float Shares 15,200,030
Forward Eps 4.185
Forward P E 12.148149
Full Exchange Name NYSE
Full Time Employees 581
Fullday Change 0.4300003
Fullday Change Percent 0.85300595
Fullday Price 50.84
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,790,812,800
Gross Margins 0.0
Gross Profits 204,186,000
Has Pre Post Market Data 1
Held Percent Insiders 0.11075
Held Percent Institutions 0.65889
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 1,785,456,000
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 869,286,336
Market State POST
Max Age 86,400
Message Board Id finmb_142913479
Most Recent Quarter 1,782,777,600
Net Income To Common 57,390,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 853,555,772
Number Of Analyst Opinions 6
Open 50.49
Operating Cashflow 73,439,000
Operating Margins 0.41682997
Overall Risk 5
Payout Ratio 0.09729999
Phone 865 437 5700
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 50.84
Post Market Time 1,792,185,601
Previous Close 50.41
Price Eps Current Year 13.605697
Price Hint 2
Price To Book 1.5070401
Price To Sales Trailing12 Months 4.2573256
Profit Margins 0.28107
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.33333
Region US
Regular Market Change 0.43
Regular Market Change Percent 0.853006
Regular Market Day High 51.675
Regular Market Day Low 50.03
Regular Market Day Range 50.03 - 51.675
Regular Market Open 50.49
Regular Market Previous Close 50.41
Regular Market Price 50.84
Regular Market Time 1,792,180,803
Regular Market Volume 73,159
Return On Assets 0.00989
Return On Equity 0.104720004
Revenue Growth 0.164
Revenue Per Share 12.151
Sand P52 Week Change 0.16207206
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 0.0372
Shares Short 636,039
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 395,088
Short Name SmartFinancial, Inc.
Short Percent Of Float 0.04
Short Ratio 4.84
Source Interval 15
State TN
Symbol SMBK
Target High Price 60.0
Target Low Price 47.0
Target Mean Price 52.875
Target Median Price 51.875
Total Cash 389,720,992
Total Cash Per Share 22.793
Total Debt 120,807,000
Total Revenue 204,186,000
Tradeable 0
Trailing Annual Dividend Rate 0.33
Trailing Annual Dividend Yield 0.0065463204
Trailing Eps 3.39
Trailing P E 14.997049
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 44.5146
Two Hundred Day Average Change 6.3254013
Two Hundred Day Average Change Percent 0.14209723
Type Disp Equity
Volume 73,159
Website https://www.smartbank.com
Zip 37,919