SmartFinancial, Inc. (SMBK) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
SmartFinancial, Inc. stock (SMBK) is currently trading at $38.43. SmartFinancial, Inc. PE ratio is 12.98. SmartFinancial, Inc. PS ratio (Price-to-Sales) is 3.43. Analyst consensus price target for SMBK is $44.50. WallStSmart rates SMBK as Moderate Buy.
- SMBK PE ratio analysis and historical PE chart
- SMBK PS ratio (Price-to-Sales) history and trend
- SMBK intrinsic value — DCF, Graham Number, EPV models
- SMBK stock price prediction 2025 2026 2027 2028 2029 2030
- SMBK fair value vs current price
- SMBK insider transactions and insider buying
- Is SMBK undervalued or overvalued?
- SmartFinancial, Inc. financial analysis — revenue, earnings, cash flow
- SMBK Piotroski F-Score and Altman Z-Score
- SMBK analyst price target and Smart Rating
SmartFinancial, Inc.
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SMBK Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · SmartFinancial, Inc. (SMBK)
SMBK trades at a significant discount to its Graham intrinsic value of $139.46, offering a 70% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
SmartFinancial, Inc. (SMBK) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, eps growth. Concerns around return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
SmartFinancial, Inc. (SMBK) Key Strengths (5)
Keeps $39 of every $100 in revenue after operating costs
Earnings per share surging 42.00% year-over-year
Keeps $26 of every $100 in revenue as net profit
Trading at 1.15x book value, attractively priced
63.16% held by institutions, strong professional interest
Supporting Valuation Data
SmartFinancial, Inc. (SMBK) Areas to Watch (4)
Low profitability relative to shareholder equity
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 3.43x sales
Solid revenue growth at 10.10% per year
SmartFinancial, Inc. (SMBK) Detailed Analysis Report
Overall Assessment
This company scores 66/100 in our Smart Analysis, earning a B- grade. Out of 9 metrics analyzed, 5 register as strengths (avg 9.2/10) while 4 fall into concern territory (avg 5.0/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, EPS Growth, Profit Margin. Valuation metrics including Price/Book (1.15) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 38.80%, Profit Margin at 26.10%. Growth metrics are encouraging with EPS Growth at 42.00%.
The Bear Case
The primary concerns are Return on Equity, Market Cap, Price/Sales. Some valuation metrics including Price/Sales (3.43) suggest expensive pricing. Growth concerns include Revenue Growth at 10.10%, which may limit upside. Profitability pressure is visible in Return on Equity at 9.65%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 9.65% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 10.10% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, EPS Growth) and negatives (Return on Equity, Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
SMBK Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
SMBK's Price-to-Sales ratio of 3.43x sits near its historical average of 3.41x (50th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 3% below its historical high of 3.53x set in Mar 2026, and 4% above its historical low of 3.29x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for SmartFinancial, Inc. (SMBK) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
SmartFinancial, Inc. is a mature, profitable business with steady cash generation. Revenue reached 193M with 10% growth year-over-year. Profit margins are strong at 26.1%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 26.1% and operating margin of 38.8% demonstrate strong pricing power and operational efficiency.
Generating 14M in free cash flow and 17M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact SmartFinancial, Inc..
Bottom Line
SmartFinancial, Inc. is a well-established business delivering consistent profitability with 26.1% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About SmartFinancial, Inc.(SMBK)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
SmartFinancial, Inc. is SmartBank's banking holding company that provides various financial services to individual and corporate clients. The company is headquartered in Knoxville, Tennessee.