SmartFinancial, Inc.
$37.87
-0.99%SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers. It operates through Commercial Real Estate, Consumer Real Estate, Construction and Land Development, Commercial and Industrial, and Consumer and Other segments. The company offers noninterest-bearing and interest-bearing checking, interest-bearing demand, savings, money market, time deposit, individual retirement accounts, as well as certificates of deposit. It also provides commercial and residential real estate, consumer real estate, and construction and land development loans; commercial and financial loans; mortgage loans; and direct consumer installment loans, educational, and other revolving credit loans; and overdraft facilities. In addition, the company offers wealth management, insurance, mortgage origination, and Internet and mobile banking services. As of March 1, 2022, it had 41 full-service branches and 2 loan production offices in East and Middle Tennessee, Alabama, and the Florida Panhandle. The company is headquartered in Knoxville, Tennessee.
At a Glance
Live SnapshotIntrinsic Alpha Methodology
Thesis Lenses
Signal
High confidenceValuation multiple is mid-range (P/E 17.5).
Valuation inputs: P/E 17.5, earnings yield +5.7%, momentum -1.0%.
If multiples stay elevated while momentum fades, downside repricing risk rises.
Driver
High confidenceReturn profile is soft (ROE +7.4%, ROIC +6.1%).
Profitability stack: net margin +12.7%, ROE +7.4%, ROIC +6.1%.
Quality deterioration often appears in margins before it shows up in headline EPS.
Risk
High confidenceDownside profile is elevated and scenario stress-testing is essential.
Risk factors: liabilities/assets +90.7%, momentum -1.0%, net margin +12.7%.
Higher leverage with weak momentum and thin margins can amplify drawdown severity.
SmartFinancial, Inc. Market vs Earnings Trajectory
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SmartFinancial, Inc. Fair Value Envelope
SmartFinancial, Inc. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Healthy operating margins demonstrate effective cost control and strong business fundamentals.
Net Profit Margin
Strong net margins indicate efficient operations and favorable tax/interest management.
Effective Tax Rate
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
Profitability Insight
High margin compression: Large gap between gross and net margins suggests operational inefficiencies or heavy debt burden. Focus on expense management and deleveraging.
SmartFinancial, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
SmartFinancial, Inc. Funding & Solvency Profile
Financial Health Analysis
Debt-to-Equity Ratio
High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.
Working Capital
Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.
Asset Composition
Capital-intensive business with significant long-term investments in property, equipment, or intangibles.
SmartFinancial, Inc. Street Expectations Map
Wall Street analysts project that SMBK stock may rise significantly over the coming 12 months. The consensus 1-year price target stands at 43.75, with estimates ranging from a low of 39.50 to a high of 48.00.
The consensus 1-year price target stands at 43.75, with estimates ranging from a low of 39.50 to a high of 48.00.
Analyst Consensus Analysis
Upside Potential
Strong upside potential. Consensus indicates attractive return opportunity with favorable risk-reward profile.
Analyst Agreement
High analyst agreement. Narrow target range indicates strong consensus on valuation, suggesting clear investment thesis and predictable outlook.
Analyst Conviction
Strong buy conviction: High upside with tight consensus suggests compelling investment opportunity backed by analyst confidence.
Market Sentiment Insight
Monitor and evaluate: Current analyst consensus suggests limited conviction or near-term catalysts. Stay informed on company developments and reassess positioning as new information emerges.
SmartFinancial, Inc. Insider Positioning
During the last 12 months, insiders have purchased $46K and sold $413K worth of SMBK shares, resulting in $367K of net selling activity.
3 Months
0
0.00
0
0.00
+0
+$0
3-6 Months
1.1K
46.05K
10.6K
403.86K
-358K
-$358K
6-9 Months
0
0.00
250
8.75K
-9K
-$9K
9-12 Months
0
0.00
0
0.00
+0
+$0
Top Buyers
Welborn Wesley Miller
Director, Officer: Chairman Of The Board
$36K
Shomaker Kelli D
Director
$10K
Top Sellers
Tucker Steven B.
Director
$404K
Jordan Rhett D.
Officer: Evp & Chief Credit Officer
$9K
Insider Activity Analysis
Net Insider Sentiment
Strong bearish signal with $367K net selling. Heavy insider selling may indicate concerns about valuation or near-term prospects.
Buy/Sell Ratio
Weak buy/sell ratio. Selling significantly exceeds buying—monitor for potential fundamental concerns.
Insider Participation
2 insider buyers and 2 sellers. Equal participation suggests mixed or neutral insider views.
smbk Dividend History
Learning Layer
Related Guides
Build conviction on SMBK by pairing this stock hub with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.