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Company Analysis

SmartFinancial, Inc. SMBK

A comprehensive view of key metrics, scores, and financial health for SmartFinancial, Inc.

Overview of SmartFinancial, Inc.

SMBK NYQ
Financial Services Banks - Regional Small Cap
SmartFinancial, Inc. (SMBK), is a Small Cap company, in the Banks - Regional industry, last closed at $38.16, about 13.7% overvalued vs fair value, +21.5% 1Y return, ranked 664/1004 in sector.
$38.16
0.18%
As of March 13, 2026
Previous close • Vol 90d: 25.9%
52-Week Range
Market Cap
$653.70M
Enterprise Value
$371.90M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.smartbank.com
HQ Knoxville, TN
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$18
$33
$62
Current: $38.16 -14% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$251.1M
15.2%%
Interest Expense
$119.9M
Net Interest Income
$137.3M
5.6%%
Total Revenue
$316.4M
84.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
7.4%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$8.4M
23.2% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating SmartFinancial, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
51
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
49
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing SMBK's balance between Growth (50.7%), Profitability (24.4%), and Safety (24.9%). Growth 51% Safety 25% Profitability 24%

Click axes to expand details. Marker shows current allocation.

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Growth

73th percentile vs peers
74
Key Signals
Rev Growth YoY 84.5% 74p Asset Growth YoY 8.8% 74p Revenue CAGR 3Y 24.2% 72p
Strengths
  • Growth above peer median with strong metric coverage (72%)
Risks

No significant risks identified for this axis.

Profitability

35th percentile vs peers
35
Key Signals
Strengths
Risks
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Safety

36th percentile vs peers
36
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for SmartFinancial, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
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Base
$32.93
- - -
-13.7% vs current
Snapshot base estimate
Bull
-
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- upside
-
Fair Value Range Current: $-
$- $- $-
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