SMARTFINANCIAL INC (SMBK)
Financials · regional banking · NYSE
A community-focused bank holding company providing diverse commercial and retail financial services.
What SMARTFINANCIAL INC does
SmartFinancial, Inc. is a bank holding company that provides a full range of financial services primarily through its subsidiary, SmartBank. The company offers commercial and retail banking products, including deposit accounts, various loan types, investment services, and mortgage banking, serving individuals and businesses.
Themes: regional banking, commercial lending, retail banking, mortgage banking, wealth management services
Fundamentals
- Price$50.06 as of 2026-10-08 close
- Market cap$856M as of 2026-08-03 (share count; price 2026-10-08)
- 1-year return+43.1% 2025-10-08 close $34.99 → 2026-10-08 close $50.06
- P/E14.77 as of 2026-10-08
- ROE+7.4% FY2024, SEC XBRL
- Debt / equity0.17 as of 2026-09-02
- Revenue growth (YoY)+44.0% as of 2026-09-02
- Beta0.74 as of 2026-09-02
- Last reported earnings2026-07-20 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +0.7%; at least 7 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How SMBK compares in its sector
- price-to-earnings ratiomiddle range 513 covered Financials peers, as of 2026-10-08
- return on equitymiddle range 559 covered Financials peers, as of 2026-09-02
- indicated dividend yieldbottom 10% 468 covered Financials peers, as of 2026-09-02
- free cash flow (absolute dollars, latest fiscal year)middle range 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, SMBK's dividend was covered by reported results (free-cash-flow payout 9%). This describes past coverage, not a forecast.
- Earnings payoutnot assessable earnings not reported
- Free-cash-flow payout9% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How SMARTFINANCIAL INC looks technically
SMARTFINANCIAL INC (SMBK) is trading 13.4% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 310 trading days ago — a "golden cross", a bullish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 21 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 45, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 2 trading days ago (its momentum flipped negative). It made a new 20-day low about 8 trading days ago.
Trend
8
| Distance from the 200-day | it is trading 13.4% above its 200-day average, the long-term trend line — a longer-term uptrend | +13.4% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $51.33 | $51.33 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $44.14 | $44.14 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing low 7 calendar days ago — the swings before that are what the structure reading is measured on | 7 sessions |
| Wave structure | its recent swings can be read as a completed three-part downward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes below 48.5. It is the only labelling that fits, and it describes the swings already printed, not what comes next. | possible three-wave downward correction, complete |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 310 trading days ago — a "golden cross", a bullish long-term signal | 310 sessions |
| Trend strength (14-day ADX) | a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 21 (a reading of 25+ marks a strong trend) | 20.8 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 45, neither overbought (above 70) nor oversold (below 30) | 45.0 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($48.50 to $52.19) — its "stochastic" reading is 42 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 42.3 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 2 trading days ago (its momentum flipped negative) | 2 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $54.14 | $54.14 |
|---|---|---|
| From the 52-week high | it is 7.5% below its 52-week high (its highest price of the past year) | -7.5% |
| Above the 52-week low | it is 51.7% above its 52-week low (its lowest price of the past year) | +51.6% |
| Below the 52-week high | it is 7.5% below its highest point of the past year | 7.5% |
| Since a 20-day breakout | it made a new 20-day low about 8 trading days ago | 8 sessions |
| Since a 55-day breakout | it made a new 55-day high about 47 trading days ago | 47 sessions |
| All-time high | its highest closing price on record is $68.00 (set on 2006-12-19) | $68.00 |
| Given back of the 52-week move | over the past year its closes ranged ($33.44 to $53.23), and it has given back roughly a quarter of its rise from last year’s low — 16% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $40.37 to $41.00. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 16.0% |
| From the all-time high | it is 26.4% below its all-time high | -26.4% |
| Nearest price level | it is trading 2.5% above a support level at $48.78 — a price it turned at twice since 2026-07-02, most recently on 2026-10-01. Since 2024-10-08 it has 10 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -2.5% |
| All-time low | its lowest closing price on record is $3.00 (set on 2011-11-22) | $3.00 |
| Above the all-time low | it is 1568.7% above its all-time low | +1,569% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 44th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $1.12 between its high and its low — about 2.2% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $1.12 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $48.98 and $52.67 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $48.98 – $50.83 – $52.67 |
| Typical daily range (% of price) | its price moves about 2.2% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.2% |
| Stretch from the 200-day average | it is trading 5.3 daily ranges above its 200-day average price (13.4% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 5.3 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.75× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
2
| Since a doji | today it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | today |
|---|---|---|
| Since a hammer | 5 sessions ago, after a stretch of decline, it sold off hard during the session and then closed back near its high — a "hammer", the long lower wick showing the drop was bought back before the close | 5 sessions ago |
Price gaps
1
| Gap at the open | it opened on 2026-10-08 0.1% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -0.1% |
|---|
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 3.4 percentage points (the stock lost 2.3% while the market gained 1.0%) | -3.4% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 4.9 percentage points (the stock gained 8.7% while the market gained 3.8%) | +4.9% |
| vs market, 6 months | over the past 6 months this stock beat the market by 7.4 percentage points (the stock gained 24.8% while the market gained 17.5%) | +7.3% |
| vs market, 12 months | over the past 12 months this stock beat the market by 28.1 percentage points (the stock gained 43.1% while the market gained 15.0%) | +28.1% |
Signal agreement
2
| Bullish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, outperforming the market over 6 months — these describe past price behaviour, not a forecast | 3 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: MACD momentum is negative — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading inside the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the zone traders read as unresolved — neither side has established a trend, and the band is where that gets settled. The band itself is moderate, spanning 4.3% of the share price. | 0.0% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 8% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $46.20 — a volume-weighted average of daily closes over 190 sessions, not a true tick-by-tick VWAP. | +8.3% |
|---|---|---|
| Vs the average paid since it last reported | the price is 2% below the average price paid since it last reported on 2026-07-20 (its 8-K), so the typical buyer over that stretch is under water. That average is $51.06 — a volume-weighted average of daily closes over 58 sessions, not a true tick-by-tick VWAP. | -2.0% |
Price levels it has turned at before
SMBK last closed at $50.06 on 2026-10-08. Since 2024-10-08 it has turned at 10 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $48.78 | Support | 2.5% below the last close | turned there twice · 2026-07-02 to 2026-10-01 |
| $53.02 | Resistance | 5.9% above the last close | turned there twice · 2026-08-14 to 2026-09-14 |
| $43.09 | Support | 13.9% below the last close | turned there five times · 2026-01-22 to 2026-05-26 |
| $40.54 | Support | 19.0% below the last close | turned there twice · 2026-04-22 to 2026-06-01 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part downward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes below $48.50.
It is the only labelling that fits these swings, though its proportions are not the textbook ones.
This reading has stood for 1 trading day, since 2026-10-08.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · MACD just crossed bearish (12/26/9) · beating the market · Printed a doji candle · Under water since its last earnings report (below the anchored VWAP) · Trading inside the Ichimoku cloud | Learn: moving average · golden cross · adx · rsi · macd · breakout
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (2.33 mean, 1=Strong Buy…5=Strong Sell) — 6 analysts
- Mean price target$52.71 range $47.00 – $60.00; median $51.38
Analyst estimates, as of 2026-10-05. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for SMBK
- Consensus EPS estimate$0.965 next reporting period, as of 2026-10-05
- Estimate change, 30 days+$0.005 (+0.5%) from $0.96, on 2026-08-31, 35-day window
- Readings revised upward25% of 8 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Fluctuations in interest rates and market conditions affecting net interest margins.","Credit risk associated with the loan portfolio and the potential for increased provisions for credit losses."]
What changed in the latest 10-Q
AI-assisted comparison of SMBK's 10-Q filed 2026-05-11 against the prior one filed 2025-11-07.
Management's Discussion & Analysis (MD&A)
- Added:
- Added reference to 'high-profile bank failures such as those in 2023' in the banking industry risks bullet point (filed 2026-05-11)
- Added 'increased regulatory scrutiny' as consequence of banking industry developments (filed 2026-05-11)
- Added phrase 'persistent inflationary pressures, potential interest rate fluctuations, and potential changes to government policies related to immigration, trade, and government spending' in fiscal/monetary policy bullet (filed 2026-05-11)
- Added 'our ability to identify and addres cybersecurity risks, such as' language reframing cybersecurity risks bullet point (filed 2026-05-11)
- Removed:
- Removed 'including seasonality' from economic conditions description (filed 2026-05-11)
- Removed 'tariffs or trade wars (including reduced consumer spending, supply chain issues, and adverse impacts to credit quality), slowdowns in economic growth or recession, and the potential for high unemployment rates' from first bullet point (filed 2026-05-11)
- Removed 'the impact of the current federal government shutdown' as separate risk factor (filed 2026-05-11)
- Removed 'including as a result of increased remote working, which may be exacerbated by recent developments in generative artificial intelligence' from cybersecurity risks description (filed 2026-05-11)
- Removed 'as well as legislative, tax and regulatory changes' and replaced with 'other legislative, tax and regulatory changes' (filed 2026-05-11)
- Removed 'uncertainties surrounding geopolitical events, trade policy, taxation policy, and monetary policy which continue to impact the outlook for future economic growth, including U.S. imposition of tariffs and consideration of responsive actions by these nations or the expansion of import fees and tariffs among a larger group of nations, which is bringing greater ambiguity to the outlook for future economic growth' as separate bullet point (filed 2026-05-11)
- Removed 'impairments to goodwill' from dividend payment risks (filed 2026-05-11)
- Removed 'and lease' from 'commercial real estate loans and construction and land development loans in our loan and lease portfolio' (filed 2026-05-11)
- Removed 'unanticipated credit deterioration in our' text at end of section (filed 2026-05-11)
- Reworded:
- Changed 'the impact of current and future economic and market conditions generally' to 'general economic and business conditions' and restructured first risk factor (filed 2026-05-11)
- Changed 'adverse developments in the banking industry and the impact' to 'adverse developments in the banking industry highlighted by high-profile bank failures such as those in 2023, and the impact' (filed 2026-05-11)
- Rephrased cybersecurity risk from 'cyber-attacks, computer viruses or other malware' to 'our ability to identify and addres cybersecurity risks, such as cyber-attacks, computer viruses or other malware' (filed 2026-05-11)
- Changed 'government intervention in the U.S. financial system and the effects of and changes in trade and monetary and fiscal policies' to 'government intervention in the U.S. financial system and the effects of and changes in trade and monetary and fiscal policies' with addition of specific policy concerns (filed 2026-05-11)
- Changed 'and changes in trade and monetary and fiscal policies and laws, including the interest rate policies of the Federal Reserve, as well as legislative, tax and regulatory changes' to 'and changes in trade and monetary and fiscal policies and laws, including the interest rate policies of the Federal Reserve, other legislative, tax and regulatory changes' (filed 2026-05-11)
- Notes:
- Text from both filings appears truncated at the end, preventing full comparison of complete risk factor lists
- Older filing shows 'Table of Contents' at page 43, newer filing at page 41, suggesting different document layouts but same content comparison within sections shown
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 2 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 30 days · read to 2026-10-040 buys · 1 sell ($11972) — 1 selling insider
- Last 90 days · read to 2026-10-040 buys · 2 sells ($34654) — 1 selling insider
- Last 180 days · read to 2026-10-043 buys ($269677) · 4 sells ($73579) — 3 buying, 1 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-09-14. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about SMBK's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding SMBK as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 2,139,605
- Reported value $100,390,293
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 4 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about SMBK's institutional holders → See what each manager we track holds →
Short interest (FINRA)
SMBK had 498,474 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
SMBK had 2.92% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 4.91 days to cover at the same settlement.
- Reported short interest (shares) 498,474
- Short interest (% of shares outstanding) 2.92%
- Prior settlement (shares) 395,088
- Reported change 26.17%
- Days to cover (reported) 4.91
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- First Horizon (FHN)
- Renasant Corporation (RNST)
- SouthState Corporation (SSB)
- Pinnacle Financial Partners (PNFP)
- Simmons First National Corporation (SFNC)
- Home BancShares (HOMB)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does SMARTFINANCIAL INC (SMBK) do?
SmartFinancial, Inc. is a bank holding company that provides a full range of financial services primarily through its subsidiary, SmartBank. The company offers commercial and retail banking products, including deposit accounts, various loan types, investment services, and mortgage banking, serving individuals and businesses.
What sector is SMARTFINANCIAL INC (SMBK) in?
SMARTFINANCIAL INC (SMBK) is classified in the Financials sector. Its industry is regional banking. It trades on NYSE.
Does SMBK pay a dividend?
Yes — SMARTFINANCIAL INC (SMBK) pays a dividend, with an indicated yield of about 0.70% and at least 7 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-09-02). Informational only — not financial advice.
Who are SMARTFINANCIAL INC's (SMBK) competitors?
Notable peers of SMARTFINANCIAL INC (SMBK) include First Horizon, Renasant Corporation, SouthState Corporation, Pinnacle Financial Partners and Simmons First National Corporation. This peer set is informational only — not financial advice.
Is SMARTFINANCIAL INC (SMBK) overbought or oversold right now?
SMARTFINANCIAL INC (SMBK) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 45, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on SMBK come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest; prices are market data, as of 2026-09-02; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.