Stock Scorecard
Stock Summary for SmartFinancial Inc (SMBK) - $44.65 as of 6/19/2026 2:04:38 PM EST
Total Score
19 out of 30
Safety Score
53 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for SMBK
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for SMBK
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for SMBK
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for SMBK
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for SMBK (53 out of 100)
| Stock Price Rating (Max of 10) | 8 |
| Historical Stock Price Rating (Max of 10) | 7 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 8 |
| Book Value to Price (Max of 10) | 1 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 1 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 4 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for SMBK
Financial Details for SMBK
Company Overview |
|
|---|---|
| Ticker | SMBK |
| Company Name | SmartFinancial Inc |
| Country | USA |
| Description | SmartFinancial, Inc. is SmartBank's banking holding company that provides various financial services to individual and corporate clients. The company is headquartered in Knoxville, Tennessee. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 3/31/2026 |
| Next Earnings Date | 7/20/2026 |
Stock Price History |
|
| Last Day Price | 44.65 |
| Price 4 Years Ago | 26.42 |
| Last Day Price Updated | 6/19/2026 2:04:38 PM EST |
| Last Day Volume | 165,368 |
| Average Daily Volume | 82,336 |
| 52-Week High | 46.29 |
| 52-Week Low | 31.22 |
| Last Price to 52 Week Low | 43.02% |
Valuation Measures |
|
| Trailing PE | 14.31 |
| Industry PE | 14.60 |
| Sector PE | 17.47 |
| 5-Year Average PE | 19.42 |
| Free Cash Flow Ratio | 2.21 |
| Industry Free Cash Flow Ratio | 11.35 |
| Sector Free Cash Flow Ratio | 29.23 |
| Current Ratio Most Recent Quarter | 1.03 |
| Total Cash Per Share | 20.24 |
| Book Value Per Share Most Recent Quarter | 32.87 |
| Price to Book Ratio | 1.36 |
| Industry Price to Book Ratio | 1.28 |
| Sector Price to Book Ratio | 1.99 |
| Price to Sales Ratio Twelve Trailing Months | 3.89 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.51 |
| Sector Price to Sales Ratio Twelve Trailing Months | 4.38 |
| Analyst Buy Ratings | N/A |
| Analyst Strong Buy Ratings | N/A |
Share Statistics |
|
| Total Shares Outstanding | 17,098,500 |
| Market Capitalization | 763,448,025 |
| Institutional Ownership | 64.62% |
Dividends |
|
| Ex-Dividend Date | 5/15/2026 |
| Previous Dividend Amount | 0.0800 |
| Current Dividend Amount | 0.0900 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 0.33 |
| Trailing Annual Dividend Yield | 0.74% |
| Forward Annual Dividend Rate | 0.36 |
| Forward Annual Dividend Yield | 0.81% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 0.87% |
| 5-Year Average Dividend Yield | 1.08% |
| 1-Year Dividend Growth Rate Percentage | 12.50% |
| 3-Year Dividend Growth Rate Percentage | 6.07% |
| 5-Year Dividend Growth Rate Percentage | 6.48% |
| All-Time Dividend Growth Rate Percentage | -3.86% |
| Dividend Payout Ratio | 10.58% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 20.90% |
| Annual Earnings Growth | 39.31% |
| Reported EPS 12 Trailing Months | 3.12 |
| Reported EPS Past Year | 0.81 |
| Reported EPS Prior Year | 3.03 |
| Net Income Twelve Trailing Months | 52,774,000 |
| Net Income Past Year | 50,348,000 |
| Net Income Prior Year | 36,141,000 |
| Quarterly Revenue Growth YOY | 8.30% |
| 5-Year Revenue Growth | 18.92% |
| Operating Margin Twelve Trailing Months | 37.80% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 346,071,000 |
| Total Cash Past Year | 464,417,000 |
| Total Cash Prior Year | 373,513,000 |
| Net Cash Position Most Recent Quarter | 247,338,000 |
| Net Cash Position Past Year | 365,755,000 |
| Long Term Debt Past Year | 98,662,000 |
| Long Term Debt Prior Year | 39,684,000 |
| Total Debt Most Recent Quarter | 98,733,000 |
| Equity to Debt Ratio Past Year | 0.85 |
| Equity to Debt Ratio Most Recent Quarter | 0.85 |
| Total Stockholder Equity Past Year | 552,379,000 |
| Total Stockholder Equity Prior Year | 491,348,000 |
| Total Stockholder Equity Most Recent Quarter | 562,048,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 53,851,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 3.15 |
| Free Cash Flow Past Year | 59,335,000 |
| Free Cash Flow Prior Year | 46,295,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.00 |
| MACD Signal | 0.00 |
| 20-Day Bollinger Lower Band | 0.00 |
| 20-Day Bollinger Middle Band | 0.00 |
| 20-Day Bollinger Upper Band | 0.00 |
| Beta | 0.72 |
| RSI | 0.00 |
| 50-Day SMA | 37.56 |
| 150-Day SMA | 30.00 |
| 200-Day SMA | 28.59 |
System |
|
| Modified | 6/20/2026 8:13:51 AM EST |