Analysis updated on Oct. 13, 2026 (UTC) · Total · absolute moveSwitch to Alpha · NYSE
Our AI ranks Smartfinancial Inc. outside the neutral middle of its coverage (a directional signal). Create a free account and follow it to see the exact price target.
Smartfinancial Inc. is a small-cap company with a market capitalization of $859M. It ranks number 52 by market capitalization among the 60 National Commercial Banks issuers in our coverage with a current forecast. Its Dividend Yield of 0.66% is the lowest of the 51 peers that report one.
A per-ticker accuracy statistic for SMBK is published only once its sample size is known. Across our coverage, the out-of-sample test on 4537 stocks from 2025-01-06 to 2026-06-09 produced a positive net return in 73.7% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report
Expected absolute price move over the horizon, market included. This is the number a price target is built from. Ratings: strong buy ≥ +4.5%, buy ≥ +3.4%, sell < +2.1%, strong sell < +0.9% (top 15%, next 20%, middle 30%, next 20%, bottom 15% of the 2026-10-13 signals)
A free account shows the exact forecast, rating and rank of 3 tickers you follow, SMBK included.
Follow SMBK free90D Total forecasts of every company scored, cut into five relative ratings at the 15th, 35th, 65th and 85th percentiles (dashed lines).
Trailing twelve months. The industry median and the rank (1 = highest) are taken over the National Commercial Banks peers listed below that report each metric.
| Metric | SMBK | Rank |
|---|---|---|
| Market Cap | $859M | 52/60 |
| P/E Ratio | 14.97x | 7/49 |
| P/B Ratio | 1.49x | 13/58 |
| Dividend Yield | 0.66% | 51/51 |
| EPS | $3.25 | – |
| Book Value/Share | $33.73 | – |
| Revenue/Share | $11.94 | – |
| FCF/Share | $3.82 | – |
| Metric | SMBK | Rank |
|---|---|---|
| ROE | 9.9% | 30/55 |
| ROA | 0.9% | 40/55 |
| Net Margin | 28.1% | 36/55 |
| EBT Margin | 34.8% | 39/59 |
| Tax Rate | 19.1% | – |
| Metric | SMBK | Rank |
|---|---|---|
| D/E Ratio | 9.60x | 12/59 |
| Financial Leverage | 10.60x | 12/59 |
| Metric | SMBK | Rank |
|---|---|---|
| Operating Cash Flow | $73M | 49/58 |
| Free Cash Flow | $65M | 36/43 |
| Capital Spending | -$8M | 14/43 |
| OCF Growth YoY | 28.0% | 29/53 |
| FCF Growth YoY | 22.6% | 23/41 |
| FCF/Sales | 32.0% | 20/43 |
| CapEx/Sales | 4.0% | 14/43 |
| Metric | SMBK | Rank |
|---|---|---|
| Asset Turnover | 0.03x | 39/57 |
| Fixed Assets Turnover | 2.2x | 46/52 |
| Metric | SMBK | Rank |
|---|---|---|
| Total Revenue | $204M | 53/57 |
| Net Income | $57M | 50/54 |
| Metric | SMBK | Rank |
|---|---|---|
| Dividends Per Share | $0.33 | – |
| Payout Ratio | 10.2% | 50/50 |
| Shares Outstanding | 17M | – |
| Cash & Short-term Investments | $379M | 6.2% of assets |
| Total Liabilities | $5.54B | 90.6% of assets |
Companies classified under the same SEC industry code as Smartfinancial Inc. (National Commercial Banks): 60 common-stock issuers with a forecast this week, one row per issuer, largest first. This is a classification match, not a curated list of competitors.
Reveal all forecasts · See exact % predictions for all competitors
Sign up free| Company | 90-Day AI Forecast (Total) | Market Cap |
|---|---|---|
| SMBK Smartfinancial Inc. | ▲ | $859M |
| JPM Jpmorgan Chase & Co | ▼ | $881.00B |
| BAC Bank Of America Corp /De/ | ▶ | $377.33B |
| WFC Wells Fargo & Company/Mn | ▼ | $251.96B |
| C Citigroup Inc | ▶ | $217.84B |
| UBS Ubs Group Ag | ▶ | $159.79B |
| COF Capital One Financial Corp | ▶ | $121.51B |
| USB Us Bancorp \De\ | ▼ | $89.46B |
| PNC Pnc Financial Services Group, Inc. | ▼ | $87.56B |
| TFC Truist Financial Corp | ▼ | $56.98B |
| HBAN Huntington Bancshares Inc /Md/ | ▶ | $30.89B |
| MFG Mizuho Financial Group Inc | ▼ | $26.39B |
| RF Regions Financial Corp | ▶ | $23.01B |
| KEY Keycorp /New/ | ▲ | $21.25B |
| FHN First Horizon Corp | ▶ | $10.79B |
| UMBF Umb Financial Corp | ▶ | $9.97B |
| ONB Old National Bancorp /In/ | ▶ | $9.51B |
| CFR Cullen/Frost Bankers, Inc. | ▼ | $9.42B |
| ZION Zions Bancorporation, National Association /Ut/ | ▶ | $9.15B |
| BOKF Bok Financial Corp | ▶ | $7.58B |
| VLY Valley National Bancorp | ▶ | $6.98B |
| FNB Fnb Corp/Pa/ | ▶ | $6.02B |
| FULT Fulton Financial Corp | ▶ | $4.19B |
| WSFS Wsfs Financial Corp | ▼ | $3.88B |
| BANF Bancfirst Corp /Ok/ | ▶ | $3.59B |
| WSBC Wesbanco Inc | ▶ | $3.54B |
| NIC Nicolet Bankshares Inc | ▼ | $3.42B |
| FFBC First Financial Bancorp /Oh/ | ▶ | $3.25B |
| SFNC Simmons First National Corp | ▶ | $3.23B |
| PRK Park National Corp /Oh/ | ▼ | $3.17B |
| BANC Banc Of California, Inc. | ▲ | $2.71B |
| NBTB Nbt Bancorp Inc | ▶ | $2.61B |
| TRMK Trustmark Corp | ▶ | $2.59B |
| FRME First Merchants Corp | ▼ | $2.46B |
| WAFD Wafd Inc | ▶ | $2.18B |
| NWBI Northwest Bancshares, Inc. | ▶ | $2.15B |
| FCF First Commonwealth Financial Corp /Pa/ | ▶ | $2.02B |
| TBBK Bancorp, Inc. | ▲ | $2.00B |
| CHCO City Holding Co | ▶ | $1.96B |
| FSUN Firstsun Capital Bancorp | ▶ | $1.79B |
| HOPE Hope Bancorp Inc | ▲ | $1.70B |
| DCOM Dime Commercial Bancshares, Inc. /Ny/ | ▲ | $1.70B |
| NBHC National Bank Holdings Corp | ▶ | $1.67B |
| BFC Bank First Corp | ▼ | $1.62B |
| OCFC Oceanfirst Financial Corp | ▶ | $1.55B |
| CASH Pathward Financial, Inc. | ▶ | $1.49B |
| BHRB Burke & Herbert Financial Services Corp. | ▼ | $1.40B |
| WABC Westamerica Bancorporation | ▶ | $1.36B |
| AMTB Amerant Bancorp Inc. | ▲ | $1.13B |
| FMCB Farmers & Merchants Bancorp | ▶ | $993M |
| CAC Camden National Corp | ▶ | $944M |
| HAFC Hanmi Financial Corp | ▲ | $916M |
| ALRS Alerus Financial Corp | ▲ | $772M |
| FISI Financial Institutions Inc | ▲ | $765M |
| SHBI Shore Bancshares Inc | ▲ | $750M |
| BCAL California Bancorp \ Ca | ▲ | $688M |
| PFIS Peoples Financial Services Corp. | ▶ | $681M |
| CARE Carter Bankshares, Inc. | ▶ | $669M |
| CBNK Capital Bancorp Inc | ▶ | $631M |
| SFST Southern First Bancshares Inc | ▲ | $569M |
Hello everyone, and welcome to the SmartFinancial First Quarter 2025 Earnings Release and Conference Call. My name is Ezra and I will be your coordinator today. [Operator Instructions] I will now hand ...
Hello, everyone. Thank you for joining us, and welcome to the SmartFinancial Second Quarter 2026 Earnings Release and Conference Call. [Operator Instructions] I will now hand over to Nate Strall, ...
SmartFinancial, Inc. (NYSE:SMBK) Q1 2026 Earnings Call Transcript April 20, 2026SmartFinancial, Inc. reports earnings inline with expectations. Reported EPS is $0.81 EPS, expectations were $0.81.
Our AI ranks Smartfinancial Inc. outside the neutral middle of its coverage (a directional signal). Create a free account and follow it to see the exact price target.
A per-ticker accuracy statistic for SMBK is published only once its sample size is known. Across our coverage, the out-of-sample test on 4537 stocks from 2025-01-06 to 2026-06-09 produced a positive net return in 73.7% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report
Smartfinancial Inc. forecasts are refreshed on trading days as the daily model run completes. The forecast on this page was produced on Oct. 13, 2026.
60 issuers in our coverage, SMBK included, share the SEC industry code National Commercial Banks. The largest are: Jpmorgan Chase & Co (JPM), Bank Of America Corp /De/ (BAC), Wells Fargo & Company/Mn (WFC), Citigroup Inc (C), Ubs Group Ag (UBS), Capital One Financial Corp (COF).
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.
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