SmartFinancial

SMBK · NYSE

$50.12−$0.39 (−0.77%)TodayMarket closed · Oct 20, 7:30 PM ET

Prev close $50.51

SMBK analyst rating

HoldConsensus of 4 analysts over the last 12 months. 25% rate it a buy.

Strong buy0
Buy1
Hold3
Underperform0
Sell0

12-month price target · 8 analysts

Average $53.76 (+7.3% upside)

Low: $47.47
Now: $50.12
High: $63.00

Upgrades and downgrades

The latest rating actions, newest first

SMBK analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Benchmark	Aug 18, 2026	Maintains	Buy	$56.00 → $60.00	39%
Stephens & Co.	Jul 23, 2026	Maintains	Equal-Weight	$45.00 → $47.00	63%
Keefe, Bruyette & Woods	Jul 23, 2026	Maintains	Market Perform	$46.00 → $50.00	72%
Benchmark	Jul 22, 2026	Maintains	Buy	$54.00 → $56.00	39%
Benchmark	Jun 25, 2026	Initiates	Buy	$54.00	39%
Keefe, Bruyette & Woods	Apr 21, 2026	Maintains	Market Perform	$42.00 → $46.00	72%
Keefe, Bruyette & Woods	Nov 4, 2025	Maintains	Market Perform	$38.00 → $40.00	72%
Piper Sandler	Oct 27, 2025	Maintains	Neutral	$37.00 → $39.50	67%

The case for and against

Updated Jan 12, 2026

Bull case

SmartFinancial Inc. has demonstrated impressive growth metrics, with deposits increasing by 14.7% quarter-over-quarter (LQA) and net interest-bearing deposits (NIBDs) growing by 10.8% LQA, indicating strong customer confidence and a solid deposit base. Additionally, the bank reported a notable increase in net interest margin (NIM) of 8 basis points to 3.29%, driven by enhanced loan yields, which further underscores the effectiveness of their lending strategy. Since the merger with Cornerstone Community Bank in 2015, SmartBank has experienced consistent organic growth at a double-digit rate, bolstering its profitability and expanding its asset base to $2.5 billion through both organic growth and strategic acquisitions.

Bear case

SmartFinancial Inc is facing a negative outlook primarily due to a seasonal decline in deposits, which fell to 5% from 11% in the previous quarter, resulting in an increased loan-to-deposit (L/D) ratio of 85%. Additionally, the bank's net interest margin (NIM) saw a decrease of 4 basis points to 3.25%, attributed to rising deposit costs and increased borrowings, despite some offset from higher loan yields. These financial metrics indicate potential challenges for future revenue growth and profitability, raising concerns about the company’s overall financial stability.

Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.