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Upturn AI Summary - About
SmartFinancial, Inc.(SMBK)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for SMBK
09/25/2026: SMBK (4-star) is a WEAK-BUY. BUY for 117 days. Simulated Profits (19.72%). Updated daily EoD!
SmartFinancial, Inc. is a regional bank holding company focused on serving small-to-medium enterprises and retail customers in the Southeastern United States. The company has a leading position in its local markets, built through a disciplined strategy of acquisitions and strong relationship-based service. Its primary growth opportunity lies in leveraging the economic expansion of the Southeast and improving its digital banking offerings. However, investors must consider risks including geographic concentration, intense competition from larger banks, and sensitivity to interest rate fluctuations. The stock may suit value-oriented investors looking for regional growth exposure, though performance monitoring of credit quality and net interest margins is essential.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company focuses on steady regional growth rather than rapid, high-growth scaling. |
| Momentum investor | Mixed fit | Momentum is often tied to macro banking sector trends rather than company-specific catalysts. |
| Value investor | Strong fit | Regional banks often trade at valuation multiples that can be attractive to value-oriented investors. |
| Dividend investor | Mixed fit | While dividends are paid, the focus remains on growth capital, limiting high-yield appeal. |
| Low-risk investor | Mixed fit | Banking stocks involve inherent interest rate and credit cycle risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Financial stocks are sensitive to macro economic shifts and interest rate news. |
| Valuation risk | Medium | Market pricing depends heavily on sustained earnings growth in competitive markets. |
| Competition risk (regional bank peers) | High | Large competitors have greater scale and lower costs of funds. |
| Business quality | Medium | The business model relies on effective credit risk management and local market penetration. |
| Dividend income | Low | Dividends are secondary to capital reinvestment for regional growth. |
| Execution risk | Medium | Successful growth is dependent on integrating acquired assets and organic loan expansion. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 75.23% | Avg. Invested days 69 | Today’s Advisory WEAK BUY |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 09/25/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 860.40M USD | Price to earnings Ratio 14.84 | 1Y Target Price 52.71 |
Price to earnings Ratio 14.84 | 1Y Target Price 52.71 | ||
Volume (30-day avg) 108.5K shares | Beta 0.68 | 52 Weeks Range 32.74 - 54.14 | Updated Date 09/26/2026 |
52 Weeks Range 32.74 - 54.14 | Updated Date 09/26/2026 | ||
Dividends yield (FY) 0.66% | Basic EPS (TTM) 3.39 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on deposits. | The primary way the bank profits, relying on a stable spread between lending rates and deposit costs. |
| Non-Interest Income | Service fees, wealth management commissions, and other bank-related charges. | Secondary revenue stream that diversifies earnings beyond just interest rate spreads. |
Valuation
Trailing PE 14.84 | Forward PE 14.1 | Enterprise Value 591.59M | Price to Sales(TTM) 4.21 |
Enterprise Value 591.59M | Price to Sales(TTM) 4.21 | ||
Enterprise Value to Revenue 4.53 | Enterprise Value to EBITDA - | Shares Outstanding 17.10M | Shares Floating 15.18M |
Shares Outstanding 17.10M | Shares Floating 15.18M | ||
Percent Insiders 11.07 | Percent Institutions 66.02 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About SmartFinancial, Inc.
Exchange NYSE | Headquarters 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 581 | Website https://www.smartbank.com |
Full time employees 581 | 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 the United States. The company offers 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, construction and land development, commercial and industrial, and consumer and other loans, as well as leases to small and mid-size companies for equipment financing leases. In addition, the company offers wealth management, insurance, mortgage origination, and internet and mobile banking services. It operates in Tennessee, Alabama, and Florida. SmartFinancial, Inc. is based in Knoxville, Tennessee.
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