SMBK

SmartFinancial

Fundamental data last updated:April 13, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NYSE

County of HQ

United States

Next Earnings Date

04/20/26

Business Summary

SmartFinancial operates as a regional bank generating revenue primarily through net interest income—borrowing at lower rates and lending at higher spreads—supplemented by traditional banking fees. Its moat is localized relationship banking, where community presence and customer stickiness defend deposit bases. Profitability is driven by disciplined underwriting and balance sheet spread management, reflected in its 26.20% ROIC. The sustainability of its moat depends less on scale and more on credit quality, funding stability, and maintaining spreads without overextending risk.

 


Analyze SMBK on TradingView

VALUATION

P/E

14.2

Market Cap ($M USD)

$721

Forward P/E

10.4

PEG

1.2

PRICE TO SALES

3.6

PRICE TO BOOK

1.3

EV / EBITDA

-

5-Year Average P/E

Free Cash Flow Yield

DCF Value

Graham Number

Price to FCF

EV to FCF

Earnings Yield

FCF Yield

DIVIDEND

Yield

0.80%

Annual Payout

$0.32

Payout Ratio

10.70%

Consecutive Years of Dividend Growth

0

5-Year Dividend Growth Rate

5.90%

Financial Health & Profitability

Earnings Per Share

$3.00

Next Year EPS Growth Estimate

$4.07

Next Year Revenue Growth Estimate

9.40%

Return on Equity (ROE)

9.10%

FREE CASH FLOW

Operating Margin

33.90%

Debt-to-Equity

0.2

Piotroski F-Score

5

Altman Z-Score

0.2

Return on Invested Capital (ROIC)

26.20%

Current Ratio

-

Quick Ratio

Net Debt to EBITDA

Interest Coverage

Gross Profit margin

FCF PER SHARE

REVENUE PER SHARE

Analyze SMBK on TradingView

Gainseekers Quantitative Analysis

Summary

At 14.2x earnings and just 10.4x forward earnings, SMBK screens optically inexpensive, but the 0.2 Altman Z-Score is a flashing red distress signal that overwhelms the modest valuation comfort. A 1.2 forward PEG suggests growth is not dramatically mispriced, yet it is hardly a deep bargain either, especially with Return on Equity at 9.40% and Operating Margin at 9.10%, both merely adequate for a regional bank. The market appears to be discounting balance sheet fragility rather than earnings power, and given the extreme Z-Score weakness, that skepticism looks rational. This is not a screaming mispricing; it is a statistically cheap bank with embedded solvency risk that keeps the multiple capped.

AI Exposure / Tech Reliance

As a regional bank in Financial Services, SMBK’s AI exposure is indirect and operational rather than product-driven. Technology adoption can improve underwriting efficiency and cost control, but it does not fundamentally alter its 9.10% operating margin profile overnight. The competitive advantage will come from disciplined tech-enabled risk management rather than breakthrough AI monetization.

The Bull Case

A GARP investor could justify a position based on the 10.4 forward P/E combined with a strong 26.20% ROIC, which signals efficient capital deployment relative to its valuation. The 5 Piotroski F-Score indicates middling but stable fundamentals, not deterioration, while Debt/Equity at 33.90% is not excessive for a bank. Institutional Ownership at 44.50% provides a degree of sponsorship, and a 0.2 TTM yield with a Dividend Per Share of 0.80% and a Payout Ratio of $0.32 suggests capital retention remains a priority. If EPS Next Year (Est.) of $3.00 materializes, the current multiple could compress further, rewarding patient holders who believe the balance sheet concerns are overstated.

The Bear Case

The bear case hinges on the catastrophic 0.2 Altman Z-Score, which implies material financial stress risk regardless of earnings optics. A PEG Forward of 1.2 is not cheap enough to compensate for that level of balance sheet fragility, and Short % of Float at 5.90% shows a meaningful cohort betting against the stock. Return on Equity of 9.40% is uninspiring in a rising-rate, credit-sensitive environment, and Operating Margin at 9.10% leaves little buffer if credit costs spike. With Market Cap at $721M, this is a smaller institution that lacks the diversification and capital market flexibility of larger peers, amplifying cyclical vulnerability.

Market Sentiment & Smart Money

Short Interest %

0.70%

Analyst Consensus

2.43

Average Analyst Price Target

$44.50

Institutional Ownership %

64.20%

1-Year Beta

0.9

Insider Buying % (6 Mo)

11.20%%

Distance to 52-Week High

96.10%

Distance to 52-Week Low

157.80%

EARNINGS SURPRISE %

50-DAY SMA

200-DAY SMA

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.