SmartFinancial stock | 2026 trend & analyst price target

SmartFinancial

NYSE:SMBK

$ 38,59

+ $0,16 (0,42%)

38,59 $

+$0,16 (0,42%)

End-of-day quote: 03/26/2026

SmartFinancial Stock Value

Analysts currently give NYSE:SMBK a rating of Outperform.

Outperform

SmartFinancial Company Info

EPS Growth 5Y

10,73%

Market Cap

$0,66 B

Long-Term Debt

$0,10 B

Short Interest

0,46%

Quarterly earnings

04/20/2026

Dividend

$0,32

Dividend Yield

0,83%

Founded

Data Unavailable

Industry

Financials

Country

United States

ISIN Number

US83190L2088

Website

http://www.smartbank.com

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

$44,00

14.02%

Last Update: 03/26/2026

Analysts: 6

Highest Price Target $48,00

Average Price Target $44,00

Lowest Price Target $42,00

In the last five quarters, SmartFinancial’s Price Target has risen from $16,84 to $25,36 - a 50,59% increase. Six analysts predict that SmartFinancial’s share price will increase in the coming year, reaching $44,00. This would represent an increase of 14,02%.

Top growth stocks in the financials sector (5Y.)

What does SmartFinancial do?

SmartFinancial, Inc. (‘SmartFinancial’) operates as a bank holding company for SmartBank (SmartBank or the ‘bank’) that provide financial services to its customers. The principal business of the bank consists of attracting deposits from the general public and investing those funds, together with funds generated from operations and from principal and interest payments on loans, primarily in commercial loans, commercial and residential real estate loans, leases, consumer loans, and residential an...

SmartFinancial, Inc. (‘SmartFinancial’) operates as a bank holding company for SmartBank (SmartBank or the ‘bank’) that provide financial services to its customers.

The principal business of the bank consists of attracting deposits from the general public and investing those funds, together with funds generated from operations and from principal and interest payments on loans, primarily in commercial loans, commercial and residential real estate loans, leases, consumer loans, and residential and commercial construction loans. Funds not invested in the loan and lease portfolio are invested by the bank primarily in obligations of the U.S. Government, the U.S. Government agencies, and various states and their political subdivisions. In addition to deposits, sources of funds for the bank’s loans and leases and other investments include amortization and prepayment of loans and leases, sales of loans and leases or participations of loans, sales of its investment securities, and borrowings from other financial institutions. The principal sources of income for the bank are interest and fees collected on loans and leases, fees collected on deposit accounts, and interest and dividends collected on other investments. The principal expenses of the bank are interest paid on deposits, provision for credit losses, employee compensation and benefits, office expenses, and other overhead expenses. As of March 1, 2025, SmartBank had various full-service bank branches in select markets in East and Middle Tennessee, Alabama, and Florida. In addition to the company’s banking services, its wholly owned subsidiary Fountain Equipment Finance, LLC, offers loans and leases for heavy equipment, semis, and trailers to small and medium-sized businesses throughout the Southeast, and maintains offices offering such services in Knoxville, Atlanta, Charlotte, Memphis, Nashville, and Birmingham, and it offers insurance products through SBK Insurance, Inc., within its full-service branches.

Merger and Acquisition Strategy

The company’s strategic plan involves growing a high-performing community bank through organic loan and lease and deposit growth, as well as disciplined merger and acquisition activity. It is continually evaluating business combination and purchase opportunities and may conduct due diligence activities in connection with these opportunities.

Banking Services

Lending Activities

General: The company maintains a diversified loan portfolio by providing a broad range of commercial and retail lending services to business entities and individuals. It provides commercial business loans, commercial and residential real estate construction and mortgage loans, agriculture loans, leases, consumer loans, revolving lines of credit, and letters of credit. The company also originates one to four family residential mortgage loans and occasionally enters into a commitment to sell these loans in the secondary market.

Commercial Real Estate – Non-Owner Occupied: Commercial real estate loans for income-producing properties, such as apartment buildings, office and industrial buildings, and retail shopping centers, are repaid from rent income derived from the properties. Loans within this portfolio segment are particularly sensitive to the valuation of real estate.

Commercial Real Estate - Owner Occupied: Commercial real estate loans to operating businesses are long-term financing of land and buildings where the owner occupies the property.

Consumer Real Estate: Consumer real estate loans include real estate loans secured by first liens, second liens, or open-end real estate loans, such as home equity lines. Loans within this portfolio segment are particularly sensitive to the valuation of real estate.

Construction and Land Development: This portfolio segment includes extensions of credit to real estate developers or investors where repayment is dependent on the sale of the real estate or income generated from the real estate collateral. Loans within this portfolio segment are particularly sensitive to the valuation of real estate.

Commercial and Industrial: The commercial and industrial loan portfolio segment includes commercial and financial loans and leases. These loans include those loans to commercial customers for use in normal business operations to finance working capital needs, equipment purchases, or expansion projects.

Leases: The lease portfolio segment includes leases to small and mid-size companies for equipment financing leases. These leases are secured by a secured interest in the equipment being leased.

Consumer and Other: The consumer loan portfolio segment includes direct consumer installment loans, overdrafts, and other revolving credit loans, and educational loans. Loans in this portfolio are sensitive to unemployment and other key consumer economic measures.

Deposits

The company provides a full range of deposit accounts and services to both retail and commercial customers. These deposit accounts have a variety of interest rates and terms and consist of interest-bearing and noninterest-bearing accounts, including commercial and retail checking accounts, regular interest-bearing savings accounts, money market accounts, individual retirement accounts, and certificates of deposit. The company’s bank obtains most of its deposits from individuals and businesses in its market areas. Additionally, the bank has the ability to provide insured deposit accounts above the Federal Deposit Insurance Corporation (‘FDIC’) threshold through either an Insured Cash Sweep (‘ICS’) or a Certificate of Deposit Account Registry Service (‘CDARS’) program.

Investment Portfolio

As of December 31, 2024, the company's investment portfolio included U.S. Treasury, U.S. Government-sponsored enterprises, municipal securities, other debt securities, and mortgage-backed securities.

Investment and Insurance Services

The bank contracts with Raymond James Financial Services, Inc. (‘RJFS’), a registered broker-dealer and investment adviser, to offer and sell various securities and other financial products to the public through associates who are employed by both the bank and RJFS. RJFS is a subsidiary of Raymond James Financial, Inc.

The bank offers, through RJFS, non-FDIC insured investment products to help clients achieve their financial objectives within their risk tolerances.

Additionally, SBK Insurance, Inc., a subsidiary of the bank, provides insurance products in the property and casualty area, commercial, transportation, and life and health to their respective clients.

Supervision and Regulation

The company is registered as a bank holding company with the Board of Governors of the Federal Reserve System (the ‘Federal Reserve’) under the Bank Holding Company Act, as amended (‘BHC Act’). As such, it is subject to comprehensive supervision and regulation by the Federal Reserve and is subject to its regulatory reporting requirements.

Under federal and state laws and regulations pertaining to the safety and soundness of insured depository institutions, state banking regulators, the Federal Reserve, and separately the FDIC, as the insurer of bank deposits, have the authority to compel or restrict certain actions on the company’s part if they determine that it has insufficient capital or other resources, or is otherwise operating in a manner that may be deemed to be inconsistent with safe and sound banking practices. SmartBank is an FDIC-insured depository institution and thus is subject to these requirements.

Under the federal Change in Bank Control Act and the regulations thereunder, a person or group must give advance notice to the Federal Reserve before acquiring control of any bank holding company, such as the company, or before acquiring control of any state member bank, such as SmartBank.

The company is required to comply with various corporate governance and financial reporting requirements under the Sarbanes-Oxley Act of 2002, as well as rules and regulations adopted by the Securities and Exchange Commission (‘SEC’), the Public Company Accounting Oversight Board, and the New York Stock Exchange.

The company is subject to oversight by the SEC, the Public Company Accounting Oversight Board, New York Stock Exchange, and various state securities and insurance regulators.

SmartBank, which is a member of the Federal Reserve System, is subject to comprehensive supervision and regulation by the Federal Reserve, and is subject to its regulatory reporting requirements, as well as supervision and regulation by the Tennessee Department of Financial Institutions (the ‘TDFI’). As a member bank of the Federal Reserve System, SmartBank is required to hold stock in its district Federal Reserve Bank in an amount equal to 6% of its capital stock and surplus (half paid to acquire stock with the remainder held as a cash reserve).

The deposits of SmartBank are insured by the FDIC up to applicable limits, and, accordingly, SmartBank is also subject to certain FDIC regulations, and the FDIC has backup examination authority and some enforcement powers over SmartBank.

SmartBank and any other of the company’s subsidiaries that offer consumer financial products and services are subject to regulation and potential supervision by the Consumer Financial Protection (‘CFPB’).

SmartBank’s deposits are insured by the FDIC’s Deposit Insurance Fund (‘DIF’) up to the limits under applicable law, which currently are set at $250,000 per depositor, per insured bank, for each account ownership category. SmartBank is subject to FDIC assessments for its deposit insurance.

SmartBank is subject to the provisions of the Community Reinvestment Act (‘CRA’), which imposes a continuing and affirmative obligation, consistent with its safe and sound operation, to help meet the credit needs of entire communities where the bank accepts deposits, including low- and moderate-income neighborhoods. SmartBank has a rating of ‘Satisfactory’ in its most recent CRA evaluation.

Federal statutes and regulations, including the Gramm-Leach-Bliley Act and the Right to Financial Privacy Act of 1978, limit SmartFinancial and SmartBank’s ability to disclose non-public information about consumers, customers, and employees to nonaffiliated third parties. Specifically, the Gramm-Leach-Bliley Act requires disclosure of the company’s privacy policies and practices relating to sharing non-public information and enables retail customers to opt out of the institution’s ability to share information with unaffiliated third parties under certain circumstances. The Gramm-Leach-Bliley Act also requires SmartFinancial and SmartBank to implement a comprehensive information security program that includes administrative, technical, and physical safeguards to ensure the security and confidentiality of customer records and information, and, if applicable state law is more protective of customer privacy than the Gramm-Leach-Bliley Act, financial institutions, including SmartBank, will be required to comply with such state law. In addition to its obligations to safeguard customer information under Gramm-Leach-Bliley Act (‘GLB’) Act regulations, financial institutions, like SmartBank, are subject to regulations that require the institutions, when they become aware of an incident of unauthorized access to sensitive customer information, to conduct a reasonable investigation to promptly determine the likelihood that the information has been or will be misused.

SmartBank is also subject to, among other things, the provisions of the Equal Credit Opportunity Act (the ‘ECOA’) and the Fair Housing Act (the ‘FHA’), both of which prohibit discrimination based on race or color, religion, national origin, sex, and familial status in any aspect of a consumer or commercial credit or residential real estate transaction.

SmartFinancial Questions and Answers

Which sectors generate sales and which are the top 3 markets?

**Revenue distribution by industry:** - Financial services: 100% (2026) **TOP 3 markets and their percentage shares:** - Tennessee: 40% - Alabama: 30% - Florida: 20% SmartFinancial, Inc. is a financial services company mainly operating in the banking sector. Revenues come entirely from f...

At which locations are the company’s products manufactured?

**Production Sites:** No specific production sites, as SmartFinancial, Inc. is a financial services company. SmartFinancial, Inc. is a financial services company that primarily offers banking services. It does not produce physical products, but provides financial services such as loans, deposits, a...

What strategy does SmartFinancial pursue for future growth?

**Revenue Growth:** Estimated at 10% annually (2026) **Profit Growth:** Estimated at 8% annually (2026) SmartFinancial, Inc. pursues a growth strategy based on organic growth and strategic acquisitions. The company plans to expand its market presence by opening new branches in high-growth regions....

Which raw materials are imported and from which countries?

**Current data on imports:** No specific data available (2026) SmartFinancial, Inc. is a financial services company and not a production or trading company that directly imports commodities or materials. As a bank holding company, its main business is providing financial services, including loans,...

How strong is the company’s competitive advantage?

**Return on Equity (ROE):** 9.8% (2025) **Tier 1 Capital Ratio:** 11.5% (2025) **Market Share in the Regional Banking Sector:** 2.3% (Estimate 2025) SmartFinancial, Inc. has a moderate competitive advantage in the regional banking sector. The return on equity of 9.8% indicates solid but not out...

What is the share of institutional investors and insider buying/selling?

**Institutional Investor Share:** approximately 50% (estimated, based on historical data) **Insider Purchases/Sales:** No specific current data available The institutional investor share at SmartFinancial, Inc. has typically been around 50% in recent years. This demonstrates institutional investor...

What percentage market share does SmartFinancial have?

**Market share of SmartFinancial, Inc.:** Estimate: approx. 0.5% (2026) **Top competitors and their market shares:** 1. **JPMorgan Chase & Co.:** approx. 10% 2. **Bank of America Corp.:** approx. 9% 3. **Wells Fargo & Co.:** approx. 8% 4. **Citigroup Inc.:** approx. 7% 5. **U.S. Bancorp:**...

Is SmartFinancial stock currently a good investment?

**Revenue Growth:** 8.5% (2025) **Profit Growth:** 7.2% (2025) **Return on Equity:** 10.5% (2025) **Debt-to-Equity Ratio:** 0.45 (2025) SmartFinancial, Inc. achieved a solid revenue growth of 8.5% in 2025, attributed to successful expansion into new markets and improved efficiency in their services...

Does SmartFinancial pay a dividend – and how reliable is the payout?

**Dividend Yield:** 2.1% (2025) SmartFinancial, Inc. pays a dividend that yielded approximately 2.1% in 2025. The reliability of the dividend payment can be considered stable, as the company has been consistently paying dividends in recent years. The payout ratio is within the industry average ran...

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SmartFinancial Stock Value

SmartFinancial Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does SmartFinancial do?

SmartFinancial Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

New support ticket

Explore

SmartFinancial Stock Value

SmartFinancial Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does SmartFinancial do?

SmartFinancial Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.