Question 1

How big is SmartFinancial, Inc.?

Accepted Answer

As of Jun 18, SmartFinancial, Inc. has a market capitalization of 534.01 million, categorizing it as a Micro Cap company.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.As of Dec 24, the latest annual period shows shareholder's funds of 491.35 million and total assets of 5,275.90 million.

Question 2

What does SmartFinancial, Inc. do?

Accepted Answer

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

Question 3

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

Accepted Answer

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

Question 4

Is SmartFinancial, Inc. overvalued or undervalued?

Accepted Answer

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.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.

Question 5

Is SmartFinancial, Inc. technically bullish or bearish?

Accepted Answer

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.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.

SmartFinancial, Inc.

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How big is SmartFinancial, Inc.?

What does SmartFinancial, Inc. do?

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

Is SmartFinancial, Inc. overvalued or undervalued?

Is SmartFinancial, Inc. technically bullish or bearish?

Compare SmartFinancial, Inc. with Similar Stocks

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High Profitability with a Net Interest Margin of 12.56%

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%

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

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

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About SmartFinancial, Inc.

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