SMBK:NYSESmartFinancial, Inc. Analysis
Data as of 2026-05-01 - not real-time
$41.94
Latest Price
6/10Risk
Risk Level: Medium
Executive Summary
The short‑term moving average sits above the medium‑term and long‑term averages, confirming a bullish trend, while the RSI remains in neutral territory, suggesting limited overbought pressure. The MACD line is just below its signal, producing a bearish histogram that flags short‑term caution despite the overall bullish direction. Volume is trending upward, adding confidence to recent price movements.
Valuation metrics indicate the stock trades below industry price‑to‑earnings averages and at a modest price‑to‑book multiple, implying undervaluation. The dividend yield is modest but the payout ratio is low, supporting dividend sustainability. Recent announcements of an upcoming earnings release and approval of a regular quarterly dividend reinforce confidence in cash flow and management’s outlook.
Valuation metrics indicate the stock trades below industry price‑to‑earnings averages and at a modest price‑to‑book multiple, implying undervaluation. The dividend yield is modest but the payout ratio is low, supporting dividend sustainability. Recent announcements of an upcoming earnings release and approval of a regular quarterly dividend reinforce confidence in cash flow and management’s outlook.
Market Outlook
Short Term
< 1 yearNeutral
Model confidence: 6/10
Key Factors
- price near immediate support level
- bearish MACD crossover
- increasing trading volume
Medium Term
1–3 yearsPositive
Model confidence: 7/10
Key Factors
- undervalued relative to peers
- sustainable dividend payout
- upcoming earnings release expected to confirm earnings growth
Long Term
> 3 yearsPositive
Model confidence: 8/10
Key Factors
- strong balance sheet with low leverage
- consistent regional presence and modest growth
- stable dividend policy supporting total return
Key Metrics & Analysis
Financial Health
Revenue Growth8.30%
Profit Margin26.85%
P/E Ratio13.4
ROE9.88%
ROA0.93%
P/B Ratio1.3
Industry P/E17.6
Technical Analysis
TrendBullish
RSI55.3
Support$38.70
Resistance$43.61
MA 20$41.75
MA 50$40.12
MA 200$37.69
MACDBearish
VolumeIncreasing
Fear & Greed Index90.89
Valuation
Target Price$46.15
Upside/Downside10.04%
GradeUndervalued
TypeValue
Dividend Yield0.76%
Risk Assessment
Beta0.90
Volatility26.18%
Sector RiskMedium
Reg. RiskMedium
Geo RiskLow
Currency RiskLow
Liquidity RiskMedium
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This analysis may contain inaccuracies and is provided for informational and research purposes only. It is not personal investment advice, a recommendation, or an instruction to buy, sell, or hold any asset.