Smartfinancial Inc. (SMBK) Stock Price & Analysis
Smartfinancial Inc. (SMBK) rose 1.94% to USD 50.01 as of July 25, 2026 at 04:33 UTC, according to Nexqual real-time market data.
SMBK last closed at USD 49.06; the session ranged USD 48.69–50.12 on volume of 90,543 shares. Market capitalization is $855.09M, with a 52-week range of USD 32.64–50.12 (NYQ). Source: Nexqual, July 25, 2026 at 04:33 UTC.
Key Statistics (as of July 25, 2026 at 04:33 UTC)
| Price | USD 50.01 |
|---|---|
| Change | ▲ 1.94% (up) |
| Previous Close | USD 49.06 |
| Open | USD 49.32 |
| Day Range | USD 48.69 – 50.12 |
| 52-Week Range | USD 32.64 – 50.12 |
| Volume | 90,543 shares |
| Market Cap | $855.09M |
| Exchange | NYQ |
Technical Analysis (SMBK)
Nexqual's technical model rates SMBK "BUY" based on 5 bullish and 3 bearish signals across 125 daily candles, as of July 25, 2026 at 04:33 UTC.
| Overall Signal | BUY |
|---|---|
| RSI (14) | 72.86 (overbought) |
| vs SMA50 | Above (USD 44.69) |
| MACD | 1.17 (positive) |
Analyst Ratings (SMBK)
Wall Street analysts rate SMBK "Buy" based on 6 analysts, with a mean price target of USD 51.38 (range USD 46–58), per Nexqual as of July 25, 2026 at 04:33 UTC.
| Consensus Rating | Buy |
|---|---|
| Analyst Count | 6 |
| Mean Target | USD 51.38 |
| High Target | USD 58 |
| Low Target | USD 46 |
| Buy / Hold / Sell | 2 / 4 / 0 |
Earnings (SMBK)
| Next Earnings Date | 2026-10-20 |
|---|---|
| EPS Estimate | USD 0.96 |
| Revenue Estimate | $57.57M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 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 |
| 2025-09-30 | USD 0.86 vs est 0.72 ▲ beat |
Source: Nexqual, July 25, 2026 at 04:33 UTC.
Financials & Fundamentals (SMBK)
| Total Revenue | $204.19M |
|---|---|
| Revenue Growth (YoY) | +16.40% |
| Gross Margin | +0.00% |
| Operating Margin | +41.68% |
| Profit Margin | +28.11% |
| ROE | +10.47% |
| Total Cash | $379.39M |
| Total Debt | $99.41M |
Source: Nexqual, July 25, 2026 at 04:33 UTC.
Financial Health Score (SMBK)
Nexqual rates Smartfinancial Inc.'s overall financial health "Mixed" across five dimensions, as of July 25, 2026 at 04:33 UTC.
| Growth | Strong — Revenue +18% YoY (annual) |
|---|---|
| Profitability | Critical — Gross margin 0% |
| Balance Sheet | Mixed — $379M cash vs $99M debt, net cash position |
| Cash Flow | Mixed — No data |
| Efficiency | Mixed — ROE 10%, ROA 1.0% |
Ownership (SMBK)
| Insider Ownership | +11.08% |
|---|---|
| Institutional Ownership | +64.68% |
| Shares Outstanding | 17.10M |
| Float | 15.18M |
| Short % of Float | +1.92% |
Source: Nexqual, July 25, 2026 at 04:33 UTC.
Leadership (SMBK)
Smartfinancial Inc. is led by William Young Carroll (age 56), President, CEO & Director, per Nexqual as of July 25, 2026 at 04:33 UTC.
| President, CEO & Director | William Young Carroll (age 56) |
|---|---|
| Executive VP & CFO | Ronald J. Gorczynski (age 59) |
| Executive VP & Chief Operating Officer of SmartBank | Cynthia A. Cain (age 52) |
| 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 American Century Companies Inc, Wellington Management, First Eagle Investment Management, LLC, according to Nexqual as of July 25, 2026 at 04:33 UTC.
Active Investors
| Investor | Stake |
|---|---|
| American Century Companies Inc | 4.4% |
| Wellington Management | 3.95% |
| First Eagle Investment Management, LLC | 2.56% |
| Private Capital Management, LLC | 2.5% |
| DFA INVESTMENT DIMENSIONS GROUP INC-U.S. Small Cap Value Portfolio | 1.79% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 10.21% |
| Vanguard Group | 7.85% |
| Dimensional Fund Advisors | 4.89% |
| State Street | 3.18% |
| Geode Capital | 2.08% |
Source: Nexqual, July 25, 2026 at 04:33 UTC.
From Smartfinancial Inc.'s Latest SEC 10-K Filing (filed 2026-03-16)
Key Strengths & Strategy (as disclosed to the SEC)
- 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.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| RBB | RBB Bancorp | USD 26.28 | ▼ 0.64% |
| SFST | Southern First Bancshares, Inc. | USD 61.49 | ▲ 1.91% |
| SMBC | Southern Missouri Bancorp, Inc. | USD 77.63 | ▲ 2.94% |
| EQBK | Equity Bancshares, Inc. | USD 50.3 | ▲ 0.68% |
| BFST | Business First Bancshares, Inc. | USD 31.16 | ▲ 2.2% |
Data source: Nexqual — real-time market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: July 25, 2026 at 04:33 UTC. This page is informational and not investment advice.