Stock Scorecard
Stock Summary for SmartFinancial Inc (SMBK) - $37.15 as of 12/5/2025 8:46:20 PM EST
Total Score
18 out of 30
Safety Score
54 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 (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. is the holding company for SmartBank, a community-focused financial institution headquartered in Knoxville, Tennessee. Specializing in a wide range of banking services, including retail and commercial banking, treasury management, and wealth management, SmartFinancial emphasizes personalized customer service and strong community engagement within the Southeastern U.S. market. With a strategic emphasis on innovation and expansion, the company is well-positioned to capitalize on emerging opportunities in the evolving banking sector, furthering its commitment to enhancing the financial health of individuals and businesses alike. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 9/30/2025 |
| Next Earnings Date | 1/20/2026 |
Stock Price History |
|
| Last Day Price | 37.15 |
| Price 4 Years Ago | 26.12 |
| Last Day Price Updated | 12/5/2025 8:46:20 PM EST |
| Last Day Volume | 62,993 |
| Average Daily Volume | 65,330 |
| 52-Week High | 37.84 |
| 52-Week Low | 26.12 |
| Last Price to 52 Week Low | 42.23% |
Valuation Measures |
|
| Trailing PE | 13.64 |
| Industry PE | 17.90 |
| Sector PE | 24.06 |
| 5-Year Average PE | 12.78 |
| Free Cash Flow Ratio | 1.21 |
| Industry Free Cash Flow Ratio | 6.61 |
| Sector Free Cash Flow Ratio | 39.55 |
| Current Ratio Most Recent Quarter | 0.20 |
| Total Cash Per Share | 30.72 |
| Book Value Per Share Most Recent Quarter | 31.62 |
| Price to Book Ratio | 1.16 |
| Industry Price to Book Ratio | 1.12 |
| Sector Price to Book Ratio | 1.92 |
| Price to Sales Ratio Twelve Trailing Months | 3.38 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.12 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.85 |
| Analyst Buy Ratings | 1 |
| Analyst Strong Buy Ratings | 0 |
Share Statistics |
|
| Total Shares Outstanding | 17,028,000 |
| Market Capitalization | 632,590,200 |
| Institutional Ownership | 60.27% |
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 | 0.86% |
| Forward Annual Dividend Rate | 0.32 |
| Forward Annual Dividend Yield | 0.86% |
| 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 | 11.68% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 50.00% |
| Annual Earnings Growth | 26.40% |
| Reported EPS 12 Trailing Months | 2.74 |
| Reported EPS Past Year | 2.22 |
| Reported EPS Prior Year | 2.06 |
| Net Income Twelve Trailing Months | 46,286,000 |
| Net Income Past Year | 36,141,000 |
| Net Income Prior Year | 28,593,000 |
| Quarterly Revenue Growth YOY | 22.20% |
| 5-Year Revenue Growth | 19.89% |
| Operating Margin Twelve Trailing Months | 40.90% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 523,079,000 |
| Total Cash Past Year | 373,513,000 |
| Total Cash Prior Year | 294,823,000 |
| Net Cash Position Most Recent Quarter | 384,475,000 |
| Net Cash Position Past Year | 333,829,000 |
| Long Term Debt Past Year | 39,684,000 |
| Long Term Debt Prior Year | 42,099,000 |
| 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 | 491,348,000 |
| Total Stockholder Equity Prior Year | 459,886,000 |
| Total Stockholder Equity Most Recent Quarter | 538,369,000 |
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 | 0.42 |
| MACD Signal | 0.23 |
| 20-Day Bollinger Lower Band | 33.06 |
| 20-Day Bollinger Middle Band | 35.56 |
| 20-Day Bollinger Upper Band | 38.06 |
| Beta | 0.76 |
| RSI | 63.08 |
| 50-Day SMA | 33.33 |
| 150-Day SMA | 27.16 |
| 200-Day SMA | 26.63 |
System |
|
| Modified | 12/4/2025 8:54:48 AM EST |