SmartFinancial, Inc. (SMBK) Stock Price & Analysis
SmartFinancial, Inc. (SMBK) closed at USD 49.22 on Thursday, October 22, 2026, up 2.03% on the day. The US market is currently closed (pre-market); this is not a live price.
The prior close was USD 48.24; the Oct 22, 2026 session ranged USD 47.61–49.88 on volume of 179,116 shares. Market capitalization is $841.59M, with a 52-week range of USD 34.23–54.14 (NYQ). Source: Nexqual, retrieved October 23, 2026 at 09:28 UTC.
Also available as compact Markdown for AI agents: nexqual.com/SMBK.md
Key facts (SMBK)
- Last four reported quarters (through Jun 30, 2026): revenue $214M, net income $57.4M (26.8% margin) (SEC filings).
- Valuation: P/E 14.7x (avg 13.8x at the last 3 fiscal year-ends).
- 1 of 80 tracked superinvestors hold SMBK (13F, Q2 2026): 0 new, 1 added, 0 reduced, 0 unchanged.
- Analysts: Hold (mean 2.50 on a 1–5 scale) (6 analysts), mean target USD 52.38 (range 47–58).
- Total return with dividends: 1Y +43.7% vs S&P 500 +14.9%; 5Y +96.0% vs S&P 500 +80.3%.
- Next earnings: 2027-01-19, EPS estimate USD 1, revenue estimate $58.5M.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (SMBK)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $137M | $165M | $152M | $172M | $200M | $214M |
| Net income | $34.8M | $43.0M | $28.6M | $36.1M | $50.3M | $57.4M |
| EPS (diluted) | $2.22 | $2.55 | $1.69 | $2.14 | $2.98 | — |
| Free cash flow | $43.8M | $44.3M | $33.4M | $46.3M | $59.3M | $65.4M |
| Net margin | 25.3% | 26.0% | 18.8% | 21.1% | 25.1% | 26.8% |
| Revenue growth | +18.1% | +20.3% | -7.8% | +12.5% | +16.9% | — |
| Cash + short-term investments | $1.05B | $266M | $352M | $388M | $464M | — |
| Total debt | $87.6M | $41.9M | $13.1M | $8.1M | $3.0M | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (SMBK)
P/E 14.7x · P/S 3.9x · P/FCF 12.9x · P/B 1.5x · FCF yield 7.77% · Earnings yield 6.82% · Dividend yield (paid, TTM) 0.67%
P/E at fiscal year-ends: Dec 2025 12.4x, Dec 2024 14.5x, Dec 2023 14.5x.
Superinvestors (SEC 13F-HR, Q2 2026) (SMBK)
1 of 80 tracked investors hold SMBK. Each row is the investor's latest 13F; change is vs their prior-quarter share count.
| Investor | Firm | % of portfolio | Value | Change |
|---|---|---|---|---|
| First Eagle Investment | First Eagle Investment Management | 0.03% | $15.0M | Added +42.5% |
Analysts (SMBK)
Consensus Hold (mean 2.50 on a 1–5 scale), 6 analysts; mean target USD 52.38 (low 47, high 58).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-21 | Keefe, Bruyette & Woods | Target raised | Market Perform | $51 → $52 |
| 2026-10-21 | StoneX | Target lowered | Buy | $60 → $58 |
| 2026-10-21 | Raymond James | Downgrade | Strong Buy → Outperform | $58 → $56 |
| 2026-08-18 | Benchmark | Target raised | Buy | $56 → $60 |
| 2026-07-23 | Stephens & Co. | Target raised | Equal-Weight | $45 → $47 |
| 2026-07-23 | Keefe, Bruyette & Woods | Target raised | Market Perform | $46 → $50 |
| 2026-07-22 | Benchmark | Target raised | Buy | $54 → $56 |
| 2026-06-25 | Benchmark | Initiated | Buy | $54 |
Total return (dividends reinvested) (SMBK)
| 1Y (from 2025-10-23) | 5Y (from 2021-10-18) | |
|---|---|---|
| Total return | +43.7% | +96.0% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | +43.9% | +14.4% |
| Volatility (annualized) | 23.8% | 27.3% |
| Max drawdown | -13.3% (Feb 2026→Mar 2026) | -35.5% (Nov 2022→Apr 2024) |
SMBK analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Dec 2026) | $1.00 | $1.01 | -0.7% | $58.5M | 5 |
| Next quarter (ends Mar 2027) | $0.98 | $0.98 | +0.0% | $59.0M | 6 |
| Current fiscal year (ends Dec 2026) | $3.80 | $3.74 | +1.8% | $226.5M | 6 |
| Next fiscal year (ends Dec 2027) | $4.16 | $4.19 | -0.8% | $246.6M | 6 |
Key Statistics (as of October 23, 2026 at 09:28 UTC)
| Price | USD 49.22 |
|---|---|
| Change | ▲ 2.03% (up) |
| Previous Close | USD 48.24 |
| Open | USD 48.2 |
| Day Range | USD 47.61 – 49.88 |
| 52-Week Range | USD 34.23 – 54.14 |
| Volume | 179,116 shares |
| Market Cap | $841.59M |
| Exchange | NYQ |
Technical Analysis (SMBK)
Nexqual's technical model rates SMBK "STRONG SELL" based on 0 bullish and 5 bearish signals across 127 daily candles, as of October 23, 2026 at 09:28 UTC.
| Overall Signal | STRONG SELL |
|---|---|
| RSI (14) | 41.61 (neutral) |
| vs SMA50 | Below (USD 50.82) |
| MACD | -0.35 (negative) |
Analyst Ratings (SMBK)
Wall Street analysts rate SMBK "Hold" based on 6 analysts, with a mean price target of USD 52.38 (range USD 47–58), per Nexqual as of October 23, 2026 at 09:28 UTC.
| Consensus Rating | Hold |
|---|---|
| Analyst Count | 6 |
| Mean Target | USD 52.38 |
| High Target | USD 58 |
| Low Target | USD 47 |
| Buy / Hold / Sell | 2 / 4 / 0 |
Earnings (SMBK)
| Next Earnings Date | 2027-01-19 |
|---|---|
| EPS Estimate | USD 1 |
| Revenue Estimate | $58.48M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-09-30 | USD 1.1 vs est 0.96 ▲ beat |
| 2026-06-30 | USD 0.96 vs est 0.9 ▲ beat |
| 2026-03-31 | USD 0.81 vs est 0.78 ▲ beat |
| 2025-12-31 | USD 0.81 vs est 0.78 ▲ beat |
Source: Nexqual, October 23, 2026 at 09:28 UTC.
Financials & Fundamentals (SMBK)
| Total Revenue | $210.19M |
|---|---|
| Revenue Growth (latest quarter, YoY) | +11.80% |
| Gross Margin | +0.00% |
| Operating Margin | +41.60% |
| Profit Margin | +29.65% |
| ROE | +11.13% |
| Total Cash | $364.88M |
| Total Debt | $99.22M |
Source: Nexqual, October 23, 2026 at 09:28 UTC.
Financial Health Score (SMBK)
Nexqual rates SmartFinancial, Inc.'s overall financial health "Solid" across five dimensions, as of October 23, 2026 at 09:28 UTC.
| Growth | Strong — Revenue +18% YoY (annual) |
|---|---|
| Profitability | Strong — Net margin 25% (last 12 months); banks have no gross margin |
| Balance Sheet | N/A — Not comparable for banks: deposits and customer funds sit on the balance sheet, so cash vs debt does not measure safety (SEC industry: National Commercial Banks) |
| Cash Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: National Commercial Banks) |
| Efficiency | Mixed — ROE 11%, ROA 1.0% |
Ownership (SMBK)
| Insider Ownership | +11.08% |
|---|---|
| Institutional Ownership | +66.03% |
| Shares Outstanding | 17.10M |
| Float | 15.20M |
| Short % of Float | +4.00% |
Source: Nexqual, October 23, 2026 at 09:28 UTC.
Leadership (SMBK)
SmartFinancial, Inc. is led by William Young Carroll, President, CEO & Director, per Nexqual as of October 23, 2026 at 09:28 UTC.
| President, CEO & Director | William Young Carroll |
|---|---|
| Executive VP & CFO | Ronald J. Gorczynski |
| Executive VP & Chief Operating Officer of SmartBank | Cynthia A. Cain |
| Senior VP and Director of Marketing & Public Relations - SmartBank | Kelley L. Fowler |
| Senior VP and Director of Community Development & Community Reinvestment Act Officer | Travis Lytle |
Major Backers & Investors (SMBK)
Notable institutional backers of SmartFinancial, Inc. include Wellington Management, American Century Companies Inc, Private Capital Management, LLC, according to Nexqual as of October 23, 2026 at 09:28 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Wellington Management | 3.48% |
| American Century Companies Inc | 2.62% |
| Private Capital Management, LLC | 2.53% |
| Acadian Asset Management. LLC | 2.03% |
| First Eagle Investment Management, LLC | 1.87% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 8.59% |
| Dimensional Fund Advisors | 4.89% |
| Vanguard Group | 3.98% |
| State Street | 2.67% |
| Geode Capital | 2.23% |
Source: Nexqual, October 23, 2026 at 09:28 UTC.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| BBD | Banco Bradesco Sa | USD 3.95 | ▼ 2.47% |
| FITB | Fifth Third Bancorp | USD 53.23 | ▲ 0.8% |
| TFC | Truist Financial Corporation | USD 48.42 | ▲ 1.45% |
| DB | Deutsche Bank AG | USD 31.48 | ▼ 2.39% |
| NWG | NatWest Group plc | USD 16.99 | ▼ 2.3% |
| NU | Nu Holdings Ltd. | USD 14.73 | ▼ 2.13% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 09:28 UTC. This page is informational and not investment advice.
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