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SMBK 
SmartFinancial, Inc. (SMBK)
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Upturn Advisory Summary
12/30/2025: SMBK (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $40.46
1 Year Target Price $40.46
| 1 | Strong Buy |
| 0 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 31.24% | Avg. Invested days 50 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 12/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 636.85M USD | Price to earnings Ratio 13.65 | 1Y Target Price 40.46 |
Price to earnings Ratio 13.65 | 1Y Target Price 40.46 | ||
Volume (30-day avg) 6 | Beta 0.75 | 52 Weeks Range 26.12 - 40.08 | Updated Date 12/30/2025 |
52 Weeks Range 26.12 - 40.08 | Updated Date 12/30/2025 | ||
Dividends yield (FY) 0.85% | Basic EPS (TTM) 2.74 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 24.59% | Operating Margin (TTM) 40.93% |
Management Effectiveness
Return on Assets (TTM) 0.87% | Return on Equity (TTM) 9.01% |
Valuation
Trailing PE 13.65 | Forward PE 14.1 | Enterprise Value 232204240 | Price to Sales(TTM) 3.38 |
Enterprise Value 232204240 | Price to Sales(TTM) 3.38 | ||
Enterprise Value to Revenue 4.12 | Enterprise Value to EBITDA - | Shares Outstanding 17028001 | Shares Floating 14418971 |
Shares Outstanding 17028001 | Shares Floating 14418971 | ||
Percent Insiders 7.62 | Percent Institutions 60.21 |
Upturn AI SWOT
SmartFinancial, Inc.
Company Overview
History and Background
SmartFinancial, Inc. (NASDAQ: SFNT) is a bank holding company headquartered in Knoxville, Tennessee. It was founded in 1996. The company has grown through a combination of organic growth and strategic acquisitions. SmartFinancial operates as a community-focused financial institution, emphasizing personalized service and local decision-making. Its evolution has been marked by expansion within its core geographic markets and diversification of its product offerings.
Core Business Areas
- Community Banking: SmartFinancial, Inc. provides a full range of banking products and services to individuals, small to medium-sized businesses, and professionals. This includes deposit accounts, commercial and consumer loans, and treasury management services.
- Mortgage Lending: The company offers residential mortgage lending services through its various subsidiaries, catering to the home financing needs of its customer base.
- Wealth Management: SmartFinancial also offers wealth management and investment advisory services, helping clients with financial planning, investment management, and estate planning.
Leadership and Structure
SmartFinancial, Inc. is led by a seasoned management team with extensive experience in the financial services industry. The organizational structure is designed to maintain a strong local presence through its community bank subsidiaries while leveraging centralized expertise for efficiency and strategic oversight. Specific details on the leadership team (CEO, CFO, etc.) and board of directors can be found in the company's investor relations materials.
Top Products and Market Share
Key Offerings
- Commercial Loans: SmartFinancial offers a variety of commercial loans tailored to the needs of small and medium-sized businesses, including term loans, lines of credit, and commercial real estate financing. Key competitors include regional banks and larger national financial institutions. Specific market share data is not publicly available for individual loan types.
- Deposit Accounts: The company provides a range of deposit products, including checking accounts, savings accounts, money market accounts, and certificates of deposit (CDs), designed for both personal and business customers. Competitors include all other financial institutions offering similar deposit products.
- Residential Mortgages: SmartFinancial offers mortgage origination services for home purchases and refinances. Competitors include national mortgage lenders, other community banks, and credit unions.
Market Dynamics
Industry Overview
The community banking industry in the US is characterized by intense competition from a wide array of players, including large national banks, regional banks, credit unions, and increasingly, fintech companies. Key trends include digitalization of services, a focus on customer experience, evolving regulatory landscapes, and the pursuit of efficiency through technology. Interest rate sensitivity and credit risk management are ongoing industry challenges.
Positioning
SmartFinancial positions itself as a customer-centric community bank, emphasizing strong relationships, personalized service, and local decision-making. Its competitive advantages include its deep understanding of local markets, agility in responding to customer needs, and a focus on building long-term relationships. The company aims to combine the personal touch of a community bank with the sophisticated products and services expected by modern customers.
Total Addressable Market (TAM)
The total addressable market for community banking services in the United States is substantial, encompassing trillions of dollars in deposits and loans. SmartFinancial, Inc. targets specific geographic regions within the US where it believes its community banking model can thrive. Its positioning within this TAM is as a niche player focused on specific demographic and business segments within its operating footprint.
Upturn SWOT Analysis
Strengths
- Strong local market presence and customer relationships
- Agile decision-making and personalized service
- Experienced management team with industry expertise
- Diversified revenue streams beyond traditional lending
Weaknesses
- Limited geographic diversification compared to larger banks
- Potentially slower adoption of cutting-edge digital technologies than larger competitors
- Reliance on interest rate spreads for profitability
- Smaller scale can limit negotiating power with vendors
Opportunities
- Expansion into new attractive geographic markets through acquisition or de novo branching
- Leveraging technology to enhance digital offerings and customer experience
- Growing demand for specialized financial services (e.g., wealth management)
- Consolidation within the banking industry creating acquisition targets
Threats
- Intensifying competition from large banks and fintech companies
- Rising interest rate environment impacting loan demand and funding costs
- Increased regulatory scrutiny and compliance costs
- Economic downturns leading to higher loan losses
- Cybersecurity risks and data breaches
Competitors and Market Share
Key Competitors
- Pinnacle Financial Partners (PNFP)
- Truist Financial Corporation (TFC)
- First Horizon Corporation (FHN)
- Synovus Financial Corp. (SNV)
Competitive Landscape
SmartFinancial operates in a highly competitive landscape. Its primary advantages lie in its localized approach and strong customer relationships, allowing it to compete effectively with larger institutions within its specific markets. However, its smaller scale can be a disadvantage when competing on price, technology, or breadth of services with national and super-regional banks. Fintech disruptors also pose a growing challenge.
Growth Trajectory and Initiatives
Historical Growth: SmartFinancial has demonstrated a history of growth, often driven by strategic acquisitions and expansion into new markets. Its organic growth is typically fueled by increasing its loan and deposit portfolios within its existing customer base and geographic areas.
Future Projections: Future growth projections for SmartFinancial, Inc. are typically provided by financial analysts covering the stock. These projections often consider factors such as anticipated interest rate movements, loan and deposit growth forecasts, economic conditions in its operating regions, and the potential for future acquisitions. Specific projections are subject to change.
Recent Initiatives: Recent initiatives by SmartFinancial, Inc. likely focus on enhancing digital banking capabilities, optimizing operational efficiency, and exploring strategic acquisition opportunities to expand its footprint or service offerings. The company may also be focused on prudent risk management and maintaining strong capital levels.
Summary
SmartFinancial, Inc. is a community-focused bank with a strong local presence and a commitment to personalized service. Its growth has been a mix of organic expansion and strategic acquisitions. While it benefits from deep customer relationships, it faces significant competition from larger financial institutions and agile fintech firms. Continued investment in digital capabilities and prudent risk management are crucial for its sustained success in the evolving banking landscape.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations Filings (SEC)
- Financial Data Aggregators (e.g., Yahoo Finance, Bloomberg)
- Industry Analysis Reports
Disclaimers:
This analysis is based on publicly available information and should not be considered financial advice. Market share data is an estimation and can vary based on definition and source. Financial metrics and projections are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About SmartFinancial, Inc.
Exchange NYSE | Headquaters Knoxville, TN, United States | ||
IPO Launch date 2001-01-02 | President, CEO & Director Mr. William Young Carroll Jr. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 597 | Website https://www.smartbank.com |
Full time employees 597 | Website https://www.smartbank.com | ||
SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers in Tennessee, Alabama, and Florida. The company accepts 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, and construction and land development loans; commercial and financial loans and leases; commercial business and mortgage loans; direct consumer installment, educational, agriculture, and other revolving credit loans; equipment financing, heavy equipment, semis, and trailers loans and leases to small and medium sized businesses; letters of credit; and overdraft facilities. In addition, the company offers wealth management, insurance, mortgage origination, and internet and mobile banking services. SmartFinancial, Inc. is headquartered in Knoxville, Tennessee.
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