SMBK:NYSESmartFinancial, Inc. Analysis
Data as of 2026-09-01 - not real-time
$50.55
Latest Price
3/10Risk
Risk Level: Low
Executive Summary
SmartFinancial, Inc. is priced at $50.55 and its moving averages line up in bullish order, the shorter sitting above the longer. Over a rolling month the price has gained 6.0%. Relative strength is 47.5 — neutral — and the MACD signal is bearish. Watch $49.75 as support and $53.60 as the nearer resistance level.
On valuation the read is fair — earnings multiple of 14.9 versus a 16.9 sector average, below the peer group. The average analyst target implies 4.3% above today's level. Revenue is growing at 16.4% on a 28.1% profit margin. The 0.67% dividend yield looks covered by current payout levels.
Risk comes out at 3 of a possible 10, a low reading. With 30-day volatility of 20.1%, a beta of 0.43 and a maximum drawdown of 13.4%, the drawdown profile is forgiving relative to most of the market. The wider market backdrop reads extreme greed at 95 on the fear-greed composite.
All three time horizons resolve to buy, carrying 5/10 conviction.
On valuation the read is fair — earnings multiple of 14.9 versus a 16.9 sector average, below the peer group. The average analyst target implies 4.3% above today's level. Revenue is growing at 16.4% on a 28.1% profit margin. The 0.67% dividend yield looks covered by current payout levels.
Risk comes out at 3 of a possible 10, a low reading. With 30-day volatility of 20.1%, a beta of 0.43 and a maximum drawdown of 13.4%, the drawdown profile is forgiving relative to most of the market. The wider market backdrop reads extreme greed at 95 on the fear-greed composite.
All three time horizons resolve to buy, carrying 5/10 conviction.
Top Market Events
SmartFinancial is in focus after analysts lifted their fair value estimate from US$46.SmartFinancial crushed expectations with a 6.SmartFinancial Inc SMBK reports robust loan and deposit growth, while navigating deposit cost pressures and strategic...
Market Outlook
Short Term
< 1 yearPositive
Model confidence: 5/10
Key Factors
- Short-term moving averages stacked above long-term ones
- Trading above the 200-day average of 42.34
- MACD momentum is negative
Medium Term
1–3 yearsPositive
Model confidence: 5/10
Key Factors
- Short-term moving averages stacked above long-term ones
- P/E of 14.9 versus sector average of 16.9
- Trading above the 200-day average of 42.34
Long Term
> 3 yearsPositive
Model confidence: 5/10
Key Factors
- P/E of 14.9 versus sector average of 16.9
- Profit margin of 28.1% is healthy
- Revenue growth of +16.4%
Key Metrics & Analysis
Financial Health
Revenue Growth16.40%
Profit Margin28.11%
P/E Ratio14.9
ROE10.47%
ROA0.99%
P/B Ratio1.5
Op. Cash Flow$73.4M
Industry P/E16.9
Technical Analysis
TrendBullish
RSI47.5
Support$49.75
Resistance$53.60
MA 20$51.66
MA 50$49.67
MA 200$42.34
MACDBearish
VolumeDecreasing
Fear & Greed Index94.79
Valuation
Fair Value$90.99
Target Price$52.71
Upside/Downside4.27%
GradeFair
TypeBlend
Dividend Yield0.67%
Risk Assessment
Beta0.43
Volatility20.10%
Sector RiskMedium
Reg. RiskHigh
Geo RiskLow
Currency RiskLow
Liquidity RiskMedium
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STOCKThis 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.