Is SmartFinancial, Inc. overvalued or undervalued?

As of 3 October 2025, the valuation grade for SmartFinancial, Inc. has moved from attractive to very attractive, indicating a strong improvement in its valuation outlook. The company appears to be undervalued, supported by a P/E ratio of 14, a Price to Book Value of 1.13, and a PEG Ratio of 0.33, all of which suggest that the stock is trading at a discount relative to its growth potential.
In comparison to its peers, SmartFinancial's P/E ratio of 14 is lower than CNB Financial Corp.'s 13.93 and HomeTrust Bancshares' 12.77, while its PEG ratio of 0.33 is significantly more favorable than Camden National Corp.'s 0.69. Despite recent underperformance over the past week and month against the S&P 500, with returns of -4.12% and -4.77% respectively, the company's one-year return of 24.03% outpaces the S&P 500's 17.82%, reinforcing its potential as an attractive investment.