SmartFinancial, Inc. (SMBK)
Financial Services · NYQ
Fundamentals
Valuation and ratings
SmartFinancial, Inc. trades at USD50.01, which is 112% below the USD105.93 our discounted cash flow model puts on the business. On that measure alone it screens as undervalued, though a DCF is an argument rather than a measurement, and the market is frequently right about why something is cheap.
Our moat model scores it 37 out of 100, which is little in the way of a moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 15.4 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
SMBK dividend history
Dividends per share by year
| Year | Total per share | Payments |
|---|---|---|
| 2026 (year to date) | USD0.170 | 2 |
| 2025 | USD0.320 | 4 |
| 2024 | USD0.320 | 4 |
| 2023 | USD0.320 | 4 |
| 2022 | USD0.280 | 4 |
| 2021 | USD0.240 | 4 |
| 2020 | USD0.200 | 4 |
| 2019 | USD0.050 | 1 |
| 2009 | USD0.392 | 2 |
| 2008 | USD1.10 | 4 |
| 2007 | USD0.863 | 4 |
Split-adjusted amounts in the listing currency, grouped by the calendar year of the ex-dividend date, from the filed record. Growth and streak figures compare complete years only.
SMBK earnings and analyst estimates
Recommendation mix, 6 analyst ratings
Estimates are the published analyst consensus and move often. An earnings date is scheduled, not certain, and a share tends to reprice most violently on the day itself.
About SmartFinancial, Inc.
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.
SMBK passes 1 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Super investor ownership
10 of the funds we track reported a position in their latest SEC 13F filing. Largest first:
- First Eagle, First Eagle Investment Management, LLC$8.76M · 0.0% of book
- Two Sigma, TWO SIGMA INVESTMENTS, LP$6.64M · 0.0% of book
- Renaissance Technologies, RENAISSANCE TECHNOLOGIES LLC$5.95M · 0.0% of book
- Israel Englander, MILLENNIUM MANAGEMENT LLC$3.62M · 0.0% of book
- Arrowstreet Capital, ARROWSTREET CAPITAL, LIMITED PARTNERSHIP$1.97M · 0.0% of book
A word of warning on reading these figures: a 13F reports the market value of a holding, so a fund that traded nothing at all still appears to have sold when the price fell. We found 102 companies where the standard reading gives the opposite answer. Only the share count is honest.
Common questions
Is SmartFinancial, Inc. (SMBK) undervalued?
Against our discounted cash flow estimate of USD105.93, SMBK at USD50.01 is 112% below fair value. That is one model's answer, not a recommendation, and most of a DCF's output sits in a terminal value nobody can forecast.
Which funds own SMBK?
10 of the institutions we track reported a position in SMBK in their most recent SEC 13F filing. A 13F is filed up to 45 days after quarter end, so it tells you what a fund held then, not what it holds now.
What is SMBK's P/E ratio?
SMBK trades at 15.4 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Does SmartFinancial, Inc. (SMBK) pay a dividend?
Yes. SmartFinancial, Inc. yields 0.68% at the current share price. It has paid USD0.330 per share over the trailing twelve months. It has paid a dividend in each of the last 7 complete calendar years. A dividend is declared by the board and can be cut at any time; a yield is a fact about the current price, not a promise.
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Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.