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SmartFinancial, Inc.

  • Market Cap: Micro Cap
  • Industry: Regional Banks
  • ISIN: US83190L2088
USD
39.22
6.73 (20.71%)

Jan 23

NYS

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

39.0441.37

52 Week

26.3142.59
Valuation
Technical
Day's Volume

CASH

61.01 k

Shareholding (Sep 2025)

FII

3.66%

Held by 42 FIIs

DII

74.65%

Held by 22 DIIs

Promoter

1.19%

How big is SmartFinancial, Inc.?

22-Jun-2025

As of Jun 18, SmartFinancial, Inc. has a market capitalization of 534.01 million, with total assets of 5,275.90 million and shareholder's funds of 491.35 million.

As of Jun 18, SmartFinancial, Inc. has a market capitalization of 534.01 million, categorizing it as a Micro Cap company.<BR><BR>As of Jun 18, the company reported a sum of interest earned for the latest four quarters amounting to 257.72 million and a net profit of 38.03 million.<BR><BR>As of Dec 24, the latest annual period shows shareholder's funds of 491.35 million and total assets of 5,275.90 million.

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What does SmartFinancial, Inc. do?

22-Jun-2025

SmartFinancial, Inc. is a bank holding company in the Regional Banks industry with a market cap of $534.01 million, reporting net sales of $66 million and a net profit of $11 million for Q1 2025. Key metrics include a P/E ratio of 14.00 and a dividend yield of 0.57%.

Overview:<BR>SmartFinancial, Inc. is a bank holding company operating in the Regional Banks industry, with a market cap of USD 534.01 Million.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 66 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 11 Million (Quarterly Results - Mar 2025) <BR>Market cap: USD 534.01 Million (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 14.00 <BR>Dividend Yield: 0.57% <BR>Debt Equity: 0.00 <BR>Return on Equity: 7.82% <BR>Price to Book: 1.10 <BR><BR>Contact Details:<BR>Address: 5401 Kingston Pike Ste 600, KNOXVILLE TN: 37919-5046 <BR>Tel: 1 423 3853000 <BR>Website: http://www.smartfinancialinc.com/

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Who are in the management team of SmartFinancial, Inc.?

22-Jun-2025

As of March 2022, the management team of SmartFinancial, Inc. includes Executive Chairman Wesley Welborn, CEO William Carroll, Lead Independent Director David Ogle, and several independent directors: Victor Barrett, Monique Berke, Ted Miller, and Ottis Phillips. This team provides governance and strategic direction for the company.

As of March 2022, the management team of SmartFinancial, Inc. includes the following individuals:<BR><BR>- Mr. Wesley Welborn, Executive Chairman of the Board<BR>- Mr. William Carroll, President, Chief Executive Officer, and Director<BR>- Mr. William Carroll also serves as Vice Chairman of the Board<BR>- Mr. David Ogle, Lead Independent Director<BR>- Mr. Victor Barrett, Independent Director<BR>- Mrs. Monique Berke, Independent Director<BR>- Mr. Ted Miller, Independent Director<BR>- Mr. Ottis Phillips, Independent Director<BR><BR>This team comprises a mix of executive leadership and independent directors, contributing to the governance and strategic direction of the company.

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Is SmartFinancial, Inc. overvalued or undervalued?

07-Oct-2025

As of October 3, 2025, SmartFinancial, Inc. is considered very attractive and undervalued, with a P/E ratio of 14, a PEG ratio of 0.33, and an EV to EBITDA ratio of 3.10, alongside a strong 1-year return of 25.30%, despite lagging in 3-year and 5-year returns compared to the S&P 500.

As of 3 October 2025, the valuation grade for SmartFinancial, Inc. has moved from attractive to very attractive. The company is currently undervalued, as indicated by its P/E ratio of 14, which is lower than the peer average of 15.30, and a PEG ratio of 0.33, suggesting strong growth potential relative to its price. Additionally, the EV to EBITDA ratio of 3.10 further supports the undervaluation narrative when compared to peers like CNB Financial Corp. with a P/E of 13.93 and HomeTrust Bancshares at 12.77.<BR><BR>In terms of performance, SmartFinancial has shown a 1-year return of 25.30%, significantly outperforming the S&P 500's 17.82% return, although it lagged in the 3-year and 5-year periods with returns of 43.04% and 168.07% compared to the S&P's 82.57% and 100.56%, respectively. Overall, the combination of favorable valuation ratios and strong recent performance indicates that SmartFinancial, Inc. is indeed undervalued.

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Is SmartFinancial, Inc. technically bullish or bearish?

07-Oct-2025

As of October 3, 2025, SmartFinancial, Inc. has a mildly bullish technical trend, supported by monthly Bollinger Bands and moving averages, despite mixed signals from MACD and KST, and has outperformed the S&P 500 year-to-date and over the past year, but underperformed over three and ten years.

As of 3 October 2025, the technical trend for SmartFinancial, Inc. has changed from bullish to mildly bullish. The weekly MACD is mildly bearish while the monthly MACD is bullish, indicating mixed signals. The daily moving averages show a mildly bullish stance, and both the weekly and monthly Bollinger Bands are bullish. However, the KST and OBV indicators are mildly bearish on a monthly basis. Overall, the technical stance is mildly bullish, supported by the monthly Bollinger Bands and moving averages, despite some bearish signals in the MACD and KST.<BR><BR>In terms of performance, SmartFinancial has outperformed the S&P 500 year-to-date and over the past year, with returns of 15.43% and 25.30% respectively, compared to the S&P 500's 14.18% and 17.82%. However, over the longer three-year and ten-year periods, it has underperformed against the S&P 500.

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Compare SmartFinancial, Inc. with Similar Stocks

Northeast Bank (Maine)Equity Bancshares, Inc.HomeTrust Bancshares, Inc.
iScoreScore
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Strong Sell
Sell
Hold
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Strong Buy

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Dashboard

1

High Profitability with a Net Interest Margin of 12.56%

 
2

Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 10.85%

 
3

With a growth in Interest of NAN%, the company declared Very Positive results in Jun 25

4

With ROA of 0.53%, it has a attractive valuation with a 1.13 Price to Book Value

stock-summaryMojo Parameters

Mojo Parameters

Stock DNA

stock-summary
Industry

Regional Banks

stock-summary
Market cap

USD 688 Million (Micro Cap)

stock-summary
P/E

14.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

0.45%

stock-summary
Debt Equity

0.00

stock-summary
Return on Equity

9.31%

stock-summary
Price to Book

1.25

Revenue and Profits:
Net Sales:
76 Million
(Quarterly Results - Dec 2025)
Net Profit:
14 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
26.19%
0%
26.19%
6 Months
11.55%
0%
11.55%
1 Year
75.95%
0%
75.95%
2 Years
71.79%
0%
71.79%
3 Years
60.67%
0%
60.67%
4 Years
60.15%
0%
60.15%
5 Years
148.86%
0%
148.86%

SmartFinancial, Inc. for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions

News

Icon
No Recent News for the Company

Announcements stock-summary

Icon
No announcement available

Corporate Actions stock-summary

Icon
No corporate action available
stock-summaryKey Factors

Quality key factors stock-summary

Factor
Value
Sales Growth (5y)
18.84%
EBIT Growth (5y)
16.36%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
14.94%
Pledged Shares
0
Institutional Holding
62.65%
ROCE (avg)
0
ROE (avg)
0

Valuation key factors

Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
1.13
EV to EBIT
3.67
EV to EBITDA
3.10
EV to Capital Employed
1.79
EV to Sales
0.57
PEG Ratio
0.33
Dividend Yield
0.56%
ROCE (Latest)
48.72%
ROE (Latest)
7.82%

Technicals key factors

Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
No Trend
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Sep 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 42 Schemes (20.5%)

Foreign Institutions

Held by 42 Foreign Institutions (3.66%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
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stock-summaryCompany CV
About SmartFinancial, Inc. stock-summary
stock-summary
SmartFinancial, Inc.
Regional Banks
SmartFinancial, Inc., formerly Cornerstone Bancshares, Inc., is a bank holding company. The Company operates through its SmartBank subsidiary (The Bank). The principal business of the Bank consists of attracting deposits from the public and investing those funds, together with funds generated from operations and from principal and interest payments on loans. It offers commercial real estate-mortgage, consumer real estate-mortgage, construction and land development, commercial and industrial, and consumer and other loans. The Bank's investment portfolio consists of Federal agency bonds, mortgage-backed securities, and state and municipal securities. The Bank provides a range of deposit services to businesses and individuals, including non-interest bearing checking accounts, interest bearing checking accounts, savings accounts, money market accounts, individual retirement accounts (IRAs) and certificates of deposit (CDs). SmartBank operates in approximately 28 branches.
Company Coordinates stock-summary
Company Details
5401 Kingston Pike Ste 600 , KNOXVILLE TN : 37919-5046
stock-summary
Tel: 1 423 3853000
stock-summary
http://www.smartfinancialinc.com/
stock-summary
Registrar Details
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