Stock Scorecard
Stock Summary for SmartFinancial Inc (SMBK) - $39.10 as of 1/29/2026 10:17:48 AM EST
Total Score
20 out of 30
Safety Score
54 out of 100
Currently on the following lists
Growth Stock List
Tim's Recommendation
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 (54 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) | 2 |
| 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) | 3 |
| 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. operates as the parent company of SmartBank, a community-focused banking institution headquartered in Knoxville, Tennessee, dedicated to serving the Southeastern U.S. The firm provides a diverse range of financial services, encompassing retail and commercial banking, treasury management, and wealth management, all delivered with an emphasis on personalized service and strong community engagement. With a strategic commitment to innovation and growth, SmartFinancial is positioned to capitalize on evolving opportunities within the banking industry, thereby enriching the financial well-being of its individual and business clients. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 12/31/2025 |
| Next Earnings Date | 4/20/2026 |
Stock Price History |
|
| Last Day Price | 39.10 |
| Price 4 Years Ago | 26.53 |
| Last Day Price Updated | 1/29/2026 10:17:48 AM EST |
| Last Day Volume | 74,658 |
| Average Daily Volume | 85,772 |
| 52-Week High | 42.96 |
| 52-Week Low | 26.12 |
| Last Price to 52 Week Low | 49.69% |
Valuation Measures |
|
| Trailing PE | 13.12 |
| Industry PE | 20.63 |
| Sector PE | 23.84 |
| 5-Year Average PE | 12.01 |
| Free Cash Flow Ratio | 1.73 |
| Industry Free Cash Flow Ratio | 9.84 |
| Sector Free Cash Flow Ratio | 29.93 |
| Current Ratio Most Recent Quarter | 1.06 |
| Total Cash Per Share | 22.54 |
| Book Value Per Share Most Recent Quarter | 32.44 |
| Price to Book Ratio | 1.21 |
| Industry Price to Book Ratio | 1.23 |
| Sector Price to Book Ratio | 1.84 |
| Price to Sales Ratio Twelve Trailing Months | 3.46 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.42 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.83 |
| Analyst Buy Ratings | 1 |
| Analyst Strong Buy Ratings | 0 |
Share Statistics |
|
| Total Shares Outstanding | 17,029,300 |
| Market Capitalization | 665,845,630 |
| Institutional Ownership | 60.62% |
Dividends |
|
| Ex-Dividend Date | 11/17/2025 |
| Previous Dividend Amount | 0.0800 |
| Current Dividend Amount | 0.0800 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 0.32 |
| Trailing Annual Dividend Yield | 0.81% |
| Forward Annual Dividend Rate | 0.32 |
| Forward Annual Dividend Yield | 0.81% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 1.08% |
| 5-Year Average Dividend Yield | 1.04% |
| 1-Year Dividend Growth Rate Percentage | 0.00% |
| 3-Year Dividend Growth Rate Percentage | 0.00% |
| 5-Year Dividend Growth Rate Percentage | 7.46% |
| All-Time Dividend Growth Rate Percentage | -3.86% |
| Dividend Payout Ratio | 10.74% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 42.00% |
| Annual Earnings Growth | 39.31% |
| Reported EPS 12 Trailing Months | 2.98 |
| Reported EPS Past Year | 3.03 |
| Reported EPS Prior Year | 2.06 |
| Net Income Twelve Trailing Months | 50,348,000 |
| Net Income Past Year | 50,348,000 |
| Net Income Prior Year | 36,141,000 |
| Quarterly Revenue Growth YOY | 10.10% |
| 5-Year Revenue Growth | 18.92% |
| Operating Margin Twelve Trailing Months | 38.80% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 383,882,000 |
| Total Cash Past Year | 383,882,000 |
| Total Cash Prior Year | 373,513,000 |
| Net Cash Position Most Recent Quarter | 245,278,000 |
| Net Cash Position Past Year | 344,198,000 |
| Long Term Debt Past Year | 39,684,000 |
| Long Term Debt Prior Year | 39,684,000 |
| Total Debt Most Recent Quarter | 138,604,000 |
| Equity to Debt Ratio Past Year | 0.93 |
| Equity to Debt Ratio Most Recent Quarter | 0.80 |
| Total Stockholder Equity Past Year | 546,489,000 |
| Total Stockholder Equity Prior Year | 491,348,000 |
| Total Stockholder Equity Most Recent Quarter | 546,489,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 58,510,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 3.44 |
| Free Cash Flow Past Year | 46,295,000 |
| Free Cash Flow Prior Year | 33,446,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.52 |
| MACD Signal | 0.28 |
| 20-Day Bollinger Lower Band | 32.98 |
| 20-Day Bollinger Middle Band | 36.73 |
| 20-Day Bollinger Upper Band | 40.48 |
| Beta | 0.75 |
| RSI | 68.91 |
| 50-Day SMA | 34.22 |
| 150-Day SMA | 27.70 |
| 200-Day SMA | 27.09 |
System |
|
| Modified | 1/29/2026 8:04:41 AM EST |