Skip to main content
SMBKSmartFinancial, Inc.Hold5.6·$47.34-1.70%
Open full analysis

SmartFinancial, Inc. (SMBK) Stock Analysis

Breakout setup · Catalyst-Driven edge

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $47.34, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (3.5% away).

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,... Read more

$47.34+1.6% A.UpsideScore 5.6/10#156 of 225 Banks - Regional
QualityF-score8 / 9FCF yield
IncomeYield0.70%(5y avg 1.07%)Payout10.26%sustainable
Stop $44.52Target $48.08(resistance)A.R:R -1.0:1
Analyst target$47.46+0.2%6 analysts
$48.08our TP
$47.34price
$47.46mean
$42
$54

Hold if already holding. Not a fresh buy at $47.34, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (3.5% away). Chart setup: Golden cross, above all MAs, RSI 65, MACD bullish. Maintain position. Not compelling to add more. Score 5.6/10, moderate confidence.

Passes 7/9 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 16d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Mon, Jul 20, 202616d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (4/4)
Attractive valuation
Risks
Analyst target reached - limited upside remaining
Near 52-week high (3.5% away)

Key Metrics

P/E (TTM)15.2
P/E (Fwd)11.3
Mkt Cap$809M
EV/EBITDA
Profit Mgn26.9%
ROE9.9%
Rev Growth8.3%
Beta0.69
Dividend0.70%
Rating analysts11

Quality Signals

Piotroski F8/9

Options Flow

P/C19.64bearish
IV75%elevated

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

Show full disclosure ▾

About TrendMatrix. TrendMatrix is a publisher of general securities research and market commentary. We publish on a regular schedule. All content is the same for every subscriber in a tier — we do not provide personalized investment advice and we do not take into account any individual subscriber's financial situation, investment objectives, risk tolerance, tax situation, or holdings.

Not investment advice. TrendMatrix is not a registered investment adviser. Our content is for informational and educational purposes only. Consult your own licensed investment adviser, broker, or tax professional before making any investment decision.

Conflicts and positions. The TrendMatrix editorial team frequently holds personal long-term positions in securities discussed. We disclose positions held at the time of publication on each piece. We maintain a trading-window policy: we do not initiate or close positions in the same direction as a TrendMatrix publication within 24 hours before or 72 hours after publication.

No paid promotion. TrendMatrix does not accept payment from any issuer, broker, or third party in exchange for coverage of any security. Our sole compensation is subscription revenue.

No fiduciary duty. No fiduciary, advisory, or agency relationship is created between you and TrendMatrix by reading our content or subscribing to our service.

Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.

Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 floor-breaker

Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static

Growth Rank
2.9
Quality Rank
3.3
Value Rank
3.6
GatesA.R:R -1.0=NEGATIVEMomentum 5.2<5.5 (soft — BUY_NOW allowed but watch)Momentum 5.2>=4.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 16d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARBreakoutSuitability: Aggressive
RSI
65 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $41.19Resistance $49.06

Price Targets

$45
$48
A.Upside+1.6%
A.R:R-1.0:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-12.8% upside)
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-07-20 (16d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is SMBK stock a buy right now?

Hold if already holding. Not a fresh buy at $47.34, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (3.5% away). Chart setup: Golden cross, above all MAs, RSI 65, MACD bullish. Maintain position. Not compelling to add more. Target $48.08 (+1.6%), stop $44.52 (−6.3%), A.R:R -1.0:1. Score 5.6/10, moderate confidence.

What is the SMBK stock price target?

Take-profit target: $48.08 (+1.6% upside). Target $48.08 (+1.6%), stop $44.52 (−6.3%), A.R:R -1.0:1. Stop-loss: $44.52.

What are the risks of investing in SMBK?

Analyst target reached - limited upside remaining; Near 52-week high (3.5% away).

Is SMBK overvalued or undervalued?

SmartFinancial, Inc. trades at a P/E of 15.2 (forward 11.3). TrendMatrix value score: 7.5/10. Verdict: Hold.

What do analysts say about SMBK?

11 analysts cover SMBK with a consensus score of 3.8/5. Average price target: $47.

What does SmartFinancial, Inc. do?SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to...

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. It operates in Tennessee, Alabama, and Florida. SmartFinancial, Inc. is based in Knoxville, Tennessee.

Related stocks: NBN (Northeast Bank) · BWFG (Bankwell Financial Group, Inc.) · NPB (Northpointe Bancshares, Inc.) · CUBI (Customers Bancorp, Inc) · COFS (ChoiceOne Financial Services, I)
Home Stocks SMBK

Latest news

No recent news