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Upturn AI SWOT - About
SMBK 
SmartFinancial, Inc. (SMBK)
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Upturn Advisory Summary
08/29/2025: 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 $39.08
1 Year Target Price $39.08
| 1 | Strong Buy |
| 0 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 37.7% | Avg. Invested days 51 | 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 08/29/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 628.39M USD | Price to earnings Ratio 14.92 | 1Y Target Price 39.08 |
Price to earnings Ratio 14.92 | 1Y Target Price 39.08 | ||
Volume (30-day avg) 6 | Beta 0.76 | 52 Weeks Range 26.18 - 37.39 | Updated Date 08/30/2025 |
52 Weeks Range 26.18 - 37.39 | Updated Date 08/30/2025 | ||
Dividends yield (FY) 0.87% | Basic EPS (TTM) 2.47 |
Earnings Date
Report Date - | When - | Estimate - | 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 14.92 | Forward PE 14.1 | Enterprise Value 322064576 | Price to Sales(TTM) 3.51 |
Enterprise Value 322064576 | Price to Sales(TTM) 3.51 | ||
Enterprise Value to Revenue 3.59 | Enterprise Value to EBITDA - | Shares Outstanding 17020300 | Shares Floating 14400377 |
Shares Outstanding 17020300 | Shares Floating 14400377 | ||
Percent Insiders 15.25 | Percent Institutions 58.62 |
Upturn AI SWOT
SmartFinancial, Inc.
Company Overview
History and Background
SmartFinancial, Inc. was founded in 2007 and is headquartered in Knoxville, Tennessee. It operates as the bank holding company for SmartBank. The company has grown through organic expansion and strategic acquisitions in the Southeastern United States.
Core Business Areas
- Community Banking: Provides a full range of banking services to individuals and businesses, including checking, savings, and loan products. This is the core business function.
Leadership and Structure
Miller Welborn is the President and CEO. The company has a board of directors overseeing strategic direction.
Top Products and Market Share
Key Offerings
- Commercial Lending: Provides loans to businesses for various purposes, including real estate, equipment, and working capital. SmartBank competes with regional and national banks, as well as credit unions. Revenue data unavailable at this granularity.
- Residential Mortgage Lending: Offers mortgage products to individuals for home purchases and refinancing. Competitors include national mortgage lenders and other regional banks. Market share data unavailable at this granularity.
- Retail Banking: Offers deposit accounts, credit cards, and other banking services to individuals and small businesses. Competitors include national, regional, and community banks.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic conditions. Digital banking is increasingly important.
Positioning
SmartFinancial, Inc. positions itself as a community-focused bank, emphasizing customer service and local market knowledge. It competes with larger national banks and smaller community banks.
Total Addressable Market (TAM)
The TAM for banking in the Southeastern US is significant, encompassing all potential customers for banking services. SmartFinancial captures a fraction of this, aiming for increased regional market share.
Upturn SWOT Analysis
Strengths
- Strong regional presence in attractive markets
- Experienced management team
- Strong customer relationships
- Disciplined credit culture
Weaknesses
- Smaller size compared to larger national banks
- Limited geographic diversification
- Reliance on net interest income
Opportunities
- Expansion into new markets
- Increased adoption of digital banking services
- Strategic acquisitions of smaller banks
- Growing demand for commercial lending
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC
- BBT
- TCBI
- FHN
Competitive Landscape
SmartFinancial faces competition from larger national banks with greater resources and smaller community banks with local ties. Its competitive advantage lies in its combination of regional focus and comprehensive banking services.
Major Acquisitions
Sevier County Bancorp, Inc.
- Year: 2019
- Acquisition Price (USD millions): 74.8
- Strategic Rationale: Expansion into the Sevier County market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion and strategic acquisitions. Growth rates vary depending on market conditions and acquisition activity.
Future Projections: Future growth projections are based on analyst estimates, which are subject to change. These estimates are not accessible at this point.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and expansion into new markets within the Southeast.
Summary
SmartFinancial is a regional bank with a growing presence in the Southeastern United States. Its strategic acquisitions and focus on community banking have contributed to its growth. However, it faces competition from larger banks and the challenges of a changing regulatory environment. Continued investment in digital banking and careful management of credit risk will be crucial for future success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports (FactSet, S&P Capital IQ - Accessible with subscription)
- MarketWatch
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Analyst estimates 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 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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