Smartfinancial Stock Analysis
| SMBK Stock | USD 39.10 0.35 0.89% |
SmartFinancial has over 102.09 Million in debt which may indicate that it relies heavily on debt financing. SmartFinancial's financial risk is the risk to SmartFinancial stockholders that is caused by an increase in debt.
Asset vs Debt
Equity vs Debt
SmartFinancial's liquidity is one of the most fundamental aspects of both its future profitability and its ability to meet different types of ongoing financial obligations. SmartFinancial's cash, liquid assets, total liabilities, and shareholder equity can be utilized to evaluate how much leverage the Company is using to sustain its current operations. For traders, higher-leverage indicators usually imply a higher risk to shareholders. In addition, it helps SmartFinancial Stock's retail investors understand whether an upcoming fall or rise in the market will negatively affect SmartFinancial's stakeholders.
For most companies, including SmartFinancial, marketable securities, inventories, and receivables are the most common assets that could be converted to cash. However, for SmartFinancial, the most critical issue when managing liquidity is ensuring that current assets are properly aligned with current liabilities. If they are not, SmartFinancial's management will need to obtain alternative financing to ensure there are always enough cash equivalents on the balance sheet to meet obligations.
Given that SmartFinancial's debt-to-equity ratio measures a Company's obligations relative to the value of its net assets, it is usually used by traders to estimate the extent to which SmartFinancial is acquiring new debt as a mechanism of leveraging its assets. A high debt-to-equity ratio is generally associated with increased risk, implying that it has been aggressive in financing its growth with debt. Another way to look at debt-to-equity ratios is to compare the overall debt load of SmartFinancial to its assets or equity, showing how much of the company assets belong to shareholders vs. creditors. If shareholders own more assets, SmartFinancial is said to be less leveraged. If creditors hold a majority of SmartFinancial's assets, the Company is said to be highly leveraged.
SmartFinancial is undervalued with Real Value of 43.57 and Hype Value of 39.1. The main objective of SmartFinancial stock analysis is to determine its intrinsic value, which is an estimate of what SmartFinancial is worth, separate from its market price. There are two main types of SmartFinancial's stock analysis: fundamental analysis and technical analysis.
The SmartFinancial stock is traded in the USA on New York Stock Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA.
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SmartFinancial Stock Analysis Notes
About 61.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 1.2. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. SmartFinancial last dividend was issued on the 17th of November 2025. The entity had 1:4 split on the 23rd of September 2015. SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers. 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. Smartfinancial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 5 people. To find out more about SmartFinancial contact William Carroll at 865 437 5700 or learn more at https://www.smartbank.com.SmartFinancial Investment Alerts
| About 61.0% of the company shares are owned by institutional investors | |
| On 2nd of December 2025 SmartFinancial paid $ 0.08 per share dividend to its current shareholders |
SmartFinancial Market Capitalization
The company currently falls under 'Small-Cap' category with a current market capitalization of 671.81 M.SmartFinancial Profitablity
The company has Profit Margin (PM) of 0.26 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.39 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.39.Technical Drivers
As of the 28th of January, SmartFinancial has the Semi Deviation of 1.31, coefficient of variation of 833.04, and Risk Adjusted Performance of 0.0935. In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of SmartFinancial, as well as the relationship between them.SmartFinancial Price Movement Analysis
The output start index for this execution was twenty-three with a total number of output elements of thirty-eight. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. SmartFinancial middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for SmartFinancial. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.
SmartFinancial Insider Trading Activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific SmartFinancial insiders, such as employees or executives, is commonly permitted as long as it does not rely on SmartFinancial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases SmartFinancial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
SmartFinancial Outstanding Bonds
SmartFinancial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. SmartFinancial uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most SmartFinancial bonds can be classified according to their maturity, which is the date when SmartFinancial has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| Morgan Stanley 3591 Corp BondUS61744YAK47 | View | |
| Morgan Stanley 3971 Corp BondUS61744YAL20 | View |
SmartFinancial Predictive Daily Indicators
SmartFinancial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of SmartFinancial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
| Accumulation Distribution | 2457.57 | |||
| Daily Balance Of Power | (0.27) | |||
| Rate Of Daily Change | 0.99 | |||
| Day Median Price | 39.44 | |||
| Day Typical Price | 39.33 | |||
| Price Action Indicator | (0.52) | |||
| Period Momentum Indicator | (0.35) | |||
| Relative Strength Index | 55.35 |
SmartFinancial Forecast Models
SmartFinancial's time-series forecasting models are one of many SmartFinancial's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary SmartFinancial's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.SmartFinancial Debt to Cash Allocation
As SmartFinancial follows its natural business cycle, the capital allocation decisions will not magically go away. SmartFinancial's decision-makers have to determine if most of the cash flows will be poured back into or reinvested in the business, reserved for other projects beyond operational needs, or paid back to stakeholders and investors.
SmartFinancial currently holds 102.09 M in liabilities with Debt to Equity (D/E) ratio of 9.22, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Note, when we think about SmartFinancial's use of debt, we should always consider it together with its cash and equity.SmartFinancial Assets Financed by Debt
Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the SmartFinancial's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of SmartFinancial, which in turn will lower the firm's financial flexibility.SmartFinancial Corporate Bonds Issued
About SmartFinancial Stock Analysis
Stock analysis is the technique used by a trader or investor to examine and evaluate how SmartFinancial prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling SmartFinancial shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as SmartFinancial. By using and applying SmartFinancial Stock analysis, traders can create a robust methodology for identifying SmartFinancial entry and exit points for their positions.
SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers. 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. Smartfinancial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 5 people.
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Check out World Market Map to better understand how to build diversified portfolios, which includes a position in SmartFinancial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as various price indices. For more information on how to buy SmartFinancial Stock please use our How to buy in SmartFinancial Stock guide.You can also try the Portfolio Comparator module to compare the composition, asset allocations and performance of any two portfolios in your account.
Is Stock space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of SmartFinancial. If investors know SmartFinancial will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive SmartFinancial assessment requires weighing all these inputs, though not all factors influence outcomes equally.
SmartFinancial's market price often diverges from its book value, the accounting figure shown on SmartFinancial's balance sheet. Smart investors calculate SmartFinancial's intrinsic value—its true economic worth—which may differ significantly from both market price and book value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Since SmartFinancial's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
Please note, there is a significant difference between SmartFinancial's value and its price as these two are different measures arrived at by different means. Investors typically determine if SmartFinancial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, SmartFinancial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.