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Upturn AI SWOT - About
SmartFinancial, Inc. (SMBK)
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Upturn Advisory Summary
07/11/2025: SMBK (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $36.17
1 Year Target Price $36.17
| 1 | Strong Buy |
| 0 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 46.41% | Avg. Invested days 57 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/11/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 599.02M USD | Price to earnings Ratio 15.58 | 1Y Target Price 36.17 |
Price to earnings Ratio 15.58 | 1Y Target Price 36.17 | ||
Volume (30-day avg) 6 | Beta 0.69 | 52 Weeks Range 25.15 - 37.49 | Updated Date 07/13/2025 |
52 Weeks Range 25.15 - 37.49 | Updated Date 07/13/2025 | ||
Dividends yield (FY) 0.95% | Basic EPS (TTM) 2.26 |
Earnings Date
Report Date 2025-07-21 | When After Market | Estimate 0.64 | Actual - |
Profitability
Profit Margin 22.16% | Operating Margin (TTM) 34.34% |
Management Effectiveness
Return on Assets (TTM) 0.73% | Return on Equity (TTM) 7.82% |
Valuation
Trailing PE 15.58 | Forward PE 14.1 | Enterprise Value 212168736 | Price to Sales(TTM) 3.49 |
Enterprise Value 212168736 | Price to Sales(TTM) 3.49 | ||
Enterprise Value to Revenue 3.61 | Enterprise Value to EBITDA - | Shares Outstanding 17017500 | Shares Floating 14400418 |
Shares Outstanding 17017500 | Shares Floating 14400418 | ||
Percent Insiders 15.23 | Percent Institutions 58.01 |
Upturn AI SWOT
SmartFinancial, Inc.
Company Overview
History and Background
SmartFinancial, Inc. was founded in 2007 and is based in Knoxville, Tennessee. It operates as the bank holding company for SmartBank, providing a range of financial services to individuals and businesses. The company has grown through organic expansion and strategic acquisitions.
Core Business Areas
- Commercial Banking: Offers commercial lending, deposit services, and treasury management solutions to businesses.
- Retail Banking: Provides personal banking services, including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Offers wealth management and trust services to individuals and families.
Leadership and Structure
Miller & Martin PLLC serves as legal counsel. The organizational structure is a traditional bank holding company model, with SmartFinancial overseeing the operations of SmartBank. Billy Carroll serves as the President and CEO.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a primary offering, generating significant revenue. Competitors include Truist (TFC), Regions Financial (RF), and Pinnacle Financial Partners (PNFP). Market share data is not consistently reported at this granular loan product level.
- Mortgages: Mortgages are another key product, competing with national lenders and other regional banks. Competitors include Rocket Mortgage and Bank of America (BAC). Market share data is not consistently reported at this granular loan product level.
- Treasury Management Services: Provides businesses with tools for cash flow management and payment processing. Competitors include larger national banks like JPMorgan Chase (JPM) and Wells Fargo (WFC). Market share data is not consistently reported at this granular loan product level.
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex environment with rising interest rates, increased regulatory scrutiny, and evolving customer expectations. Digital transformation and cybersecurity are also key trends.
Positioning
SmartFinancial, Inc. positions itself as a community-focused bank offering personalized service and local expertise, competing with larger regional and national banks. Their competitive advantage lies in their ability to build strong relationships with customers in their target markets.
Total Addressable Market (TAM)
The TAM for banking services in the Southeastern US, where SmartFinancial operates, is substantial, estimated in the hundreds of billions of dollars. SmartFinancial is positioned to capture a portion of this market through organic growth and acquisitions.
Upturn SWOT Analysis
Strengths
- Strong presence in key Southeastern markets
- Experienced management team
- Solid financial performance
- Community-focused approach
Weaknesses
- Smaller scale compared to national banks
- Limited geographic diversification
- Vulnerability to regional economic downturns
- Dependence on interest rate spreads
Opportunities
- Expansion into new markets through acquisitions
- Increased adoption of digital banking services
- Growth in wealth management business
- Capitalizing on disruption among larger banks
Threats
- Rising interest rates
- Increased regulatory scrutiny
- Competition from larger banks and fintech companies
- Economic slowdown in the Southeast
Competitors and Market Share
Key Competitors
- PNFP
- FFBC
- TCBI
- BOH
Competitive Landscape
SmartFinancial's advantage lies in its local focus, but it faces challenges competing with larger banks with more resources.
Major Acquisitions
Sevier County Bank
- Year: 2022
- Acquisition Price (USD millions): 87.8
- Strategic Rationale: Expanded SmartFinancial's presence in the East Tennessee market.
Growth Trajectory and Initiatives
Historical Growth: SmartFinancial, Inc. has demonstrated growth through organic expansion and strategic acquisitions. Past growth trends require analysis of historical financials.
Future Projections: Future growth projections are subject to market conditions and analyst estimates and should be analyzed with caution.
Recent Initiatives: Recent strategic initiatives include expansion into new markets and investments in digital banking technology.
Summary
SmartFinancial is a relatively small, but stable community bank with a strong foothold in the Southeast. Its strengths include a strong community presence and experienced management; however, its small size can be a weakness against larger banks. Expansion through acquisitions and increasing digital services are key opportunities, but rising interest rates and competition are threats.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market share data is estimated and may not be precise. Real-time data may differ.
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 NASDAQ | 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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