SmartFinancial, Inc. (SMBK)
NYSEFinancialsBanks - RegionalSnapshot 2026-10-29
$48.47-1.22%
Close 2026-10-30 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-10-29
Research Workspace
Put SMBK beside peers and holdings, graph the same metric, and keep your notes with the evidence.
Daily closes. Earnings/event dots are placed inline.
Industries move in repeating boom-and-bust cycles. This shows where this stock’s industry sits in that cycle, stage by stage (recovery → expansion → supercycle → steady → deceleration → contraction), from its fundamentals (orders, revenue, capital spending), not the stock’s price.
A booming industry is a tailwind for the names in it; a contracting one is a headwind. Companies in the same industry tend to rise and fall together with the cycle, the way a tide lifts and lowers every boat in the harbor at once, so a large part of a stock’s swing can come from where its industry sits rather than from the company itself. It’s context for reading the company’s results, not a buy/sell call. Full explanation →
Regional Banks is in steady. Describes the industry's cycle state, not a call on this stock.
The stage band shows the industry’s cycle over the chart’s timeline (each color a stage); a ▼ marks a quarter its growth inflected down — amber is an unconfirmed watch, red is confirmed the next quarter. Use “Overlay cycle on chart” to tint the price chart by stage. The industry’s fundamentals, not a signal on this stock.
The reason to own it still holds.
View ThesisRevenue is growing steadily — about 14% over the past year.
View GrowthMiddle-of-the-pack management execution.
View ManagementExpectations look high — what the market is pricing in runs ahead of what analysts forecast.
View ValuationModerate volatility — typically moves about 1% a day.
View RiskSMBK’s case rests on steady earnings from its banking business, with recent financial performance strong. Q3 2026 operating EPS beat consensus, though the desk provides no revenue-growth trajectory. SMBK trades at 1.4× P/B versus a 1.2× peer median, matching its 1.4× historical multiple. The market is pricing in more growth than our forecast, despite the recent earnings beat. A 70% deposit beta and Q4 net interest margin outlook near 3.45% signal funding-cost pressure. Our model puts the next-quarter miss probability near 22%. Peer multiples imply a price roughly in line with where it trades (about fair); our read remains intact. This read is provisional.
Trailing returns as of 2026-10-30. SMBK is total return (includes dividends); the S&P 500 benchmark is price return (the index excludes dividends).
Based on 7 analysts currently covering SMBK (as of Oct 2026).
Analyst ratings and price targets are third-party Wall Street estimates, not QuarterlyIQ’s view. Not investment advice.
Continue this research
Compare SMBK with peers and holdings, graph the same reported metric, keep your questions beside the evidence, and return when the facts change.
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| Compare | Company | Living FV | P/E | Revenue % | Quality |
|---|---|---|---|---|---|
| SMBK Selected company | Graph | Compare | Trend | Review | |
| Peer Add a competitor | Graph | Compare | Trend | Review | |
| Holding Compare a holding | Graph | Compare | Trend | Review |
Selected metric trend
Quarterly · checked companies · value or % of revenue
A consensus fair price across 9 valuation methods, at three horizons. As of 2026-10-29. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A price-focused, side-by-side fair-value read versus Regional Banks — fair value, gap to price, and forward P/E.
Compare the value case
Put SMBK next to peers and holdings, compare Living FV and multiples, then graph the driver behind the difference.
Threatens: Maintain stable and growing earnings per share
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
End-of-day figures as of 2026-10-30. EPS is implied from price ÷ P/E. Not investment advice.
A long-thesis check that carries the widest uncertainty of the three horizons.
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Q4 margin outlook and 70% deposit beta signal meaningful funding-cost pressure on earnings.
Advances: Maintain stable and growing earnings per share
Quarterly EPS beat consensus, supporting stable and growing earnings, though one quarter is not structural evidence.
Advances: Maintain stable and growing earnings per share
Positive growth outlook supports stable and growing EPS objective.
Advances: Maintain stable and growing earnings per share
Earnings beat supports growth objective and enhances investor confidence.
Advances: Maintain stable and growing earnings per share
Net income report indicates strong financial performance.
