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Upturn AI SWOT - About
SMBK 
SmartFinancial, Inc. (SMBK)
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Upturn Advisory Summary
10/14/2025: SMBK (1-star) is currently NOT-A-BUY. Pass it for now.
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 $39.33
1 Year Target Price $39.33
| 1 | Strong Buy |
| 0 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 29.33% | Avg. Invested days 55 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 575.63M USD | Price to earnings Ratio 13.69 | 1Y Target Price 39.33 |
Price to earnings Ratio 13.69 | 1Y Target Price 39.33 | ||
Volume (30-day avg) 6 | Beta 0.79 | 52 Weeks Range 26.18 - 37.92 | Updated Date 10/14/2025 |
52 Weeks Range 26.18 - 37.92 | Updated Date 10/14/2025 | ||
Dividends yield (FY) 0.96% | Basic EPS (TTM) 2.47 |
Earnings Date
Report Date 2025-10-21 | When After Market | Estimate 0.72 | Actual - |
Profitability
Profit Margin 23.32% | Operating Margin (TTM) 35.4% |
Management Effectiveness
Return on Assets (TTM) 0.8% | Return on Equity (TTM) 8.42% |
Valuation
Trailing PE 13.69 | Forward PE 14.1 | Enterprise Value 270493024 | Price to Sales(TTM) 3.22 |
Enterprise Value 270493024 | Price to Sales(TTM) 3.22 | ||
Enterprise Value to Revenue 3.38 | Enterprise Value to EBITDA - | Shares Outstanding 17020314 | Shares Floating 14400377 |
Shares Outstanding 17020314 | Shares Floating 14400377 | ||
Percent Insiders 7.69 | Percent Institutions 58.9 |
Upturn AI SWOT
SmartFinancial, Inc.
Company Overview
History and Background
SmartFinancial, Inc. was founded in 2007 and is based in Knoxville, Tennessee. It is the bank holding company for SmartBank, offering a range of banking services to individuals and businesses. The company has grown through organic expansion and strategic acquisitions within the Southeast region.
Core Business Areas
- Community Banking: Provides traditional banking services, including deposit accounts, loans, and other financial products, to individuals and small to medium-sized businesses.
- Commercial Banking: Offers specialized lending and treasury management services to larger commercial clients.
- Wealth Management: Provides investment advisory and trust services.
Leadership and Structure
SmartFinancial, Inc. is led by a board of directors and an executive management team. Billy Carroll serves as the President and CEO. The organizational structure consists of various departments overseeing banking operations, finance, risk management, and other key functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offerings to businesses in the Southeast region. Market share data is not available for SmartFinancial's commercial loan product specifically, but it competes with larger regional and national banks. Competitors include Truist, Regions, and Fifth Third Bank.
- Residential Mortgages: Mortgage products for home purchases and refinancing. Market share data is not available specifically for SmartFinancial. Competitors include large national mortgage lenders and other regional banks.
- Deposit Accounts: Includes checking, savings, and money market accounts. No publicly available market share data. Competitors include all other banks in the areas it serves.
Market Dynamics
Industry Overview
The banking industry is characterized by increasing regulatory scrutiny, technological advancements (fintech), and evolving customer expectations. There is increased competition from online-only banks and non-bank financial institutions. Interest rate changes, market volatility, and cybersecurity are major concerns.
Positioning
SmartFinancial positions itself as a community-focused bank with a strong emphasis on relationship banking and personalized service. Its competitive advantages include local market expertise and a responsive decision-making process.
Total Addressable Market (TAM)
The TAM for banking services in the Southeast US is estimated to be in the hundreds of billions of dollars. SmartFinancial is positioned to capture a small but significant portion of this TAM through organic growth and acquisitions, focusing on specific niche markets within the region.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Relationship-focused banking model
- History of successful acquisitions
- Solid credit quality
Weaknesses
- Smaller size compared to larger regional and national banks
- Limited geographic diversification
- Higher cost structure than larger banks
- Dependence on net interest income
- Lack of international operations.
Opportunities
- Further expansion within the Southeast region
- Increased adoption of digital banking technologies
- Growing demand for specialized financial services
- Strategic acquisitions of smaller banks and fintech companies
- Increased focus on wealth management.
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn and credit quality deterioration
- Rising interest rates and margin compression
- Cybersecurity threats and data breaches
- Regulatory changes and compliance costs
Competitors and Market Share
Key Competitors
- TRST
- RF
- FITB
- PBCT
Competitive Landscape
SmartFinancial faces intense competition from larger regional and national banks, as well as emerging fintech companies. Its advantages include its community focus, local market expertise, and relationship-based banking model. Disadvantages include its smaller size and limited geographic diversification.
Major Acquisitions
Progress Financial Corporation
- Year: 2022
- Acquisition Price (USD millions): 178
- Strategic Rationale: Expanded SmartFinancial's footprint in the Alabama market and added to its loan portfolio.
Growth Trajectory and Initiatives
Historical Growth: Discuss SmartFinancial, Inc.'s growth trends over the past years, highlighting organic growth and acquisitions.
Future Projections: Provide projections for SmartFinancial, Inc.'s future growth based on analyst estimates, focusing on revenue, earnings, and loan growth.
Recent Initiatives: Highlight recent strategic initiatives undertaken by SmartFinancial, Inc., such as acquisitions, new branch openings, and technology investments.
Summary
SmartFinancial is a growing regional bank with a strong presence in the Southeast. Its focus on community banking and strategic acquisitions has fueled its growth. Key challenges include competition from larger banks and managing interest rate risk. Successful integration of acquired companies will be vital.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (SEC)
- Analyst reports
- Industry publications
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market conditions and company performance can change rapidly.
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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