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Stock Research: SmartFinancial

Independent stock analysis through peer comparison: Get the 360° View as an objective basis for stock decision-making and explore the detailed ranks.

SmartFinancial

NYQ:SMBK US83190L2088
6
  • Value
    20
  • Growth
    43
  • Safety
    Safety
    15
  • Combined
    10
  • Sentiment
    19
  • 360° View
    360° View
    6
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Company Description

SmartFinancial, Inc. is the bank holding company for SmartBank, a full-service commercial bank. SmartBank operates in the banking and insurance industries. The bank has branches across Tennessee, Alabama, and Florida. In the last fiscal year, the company had a market cap of $594 million and 597 employees.

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ANALYSIS: With an Obermatt 360° View of 6 (better than 6% compared with alternatives), overall professional sentiment and financial characteristics for the stock SmartFinancial are critical, mostly below average. The 360° View is based on consolidating four consolidated indicators, with all four indicators below average for SmartFinancial. The consolidated Value Rank has a low rank of 20 which means that the share price of SmartFinancial is on the higher side compared with typical size in indicators such as revenues, profits, and invested capital. This means the stock price is higher than for 80% of alternative stocks in the same industry. The consolidated Growth Rank also has a low rank of 43, which means that the company exhibits below-average growth momentum when looking at financial metrics such as revenue, profit, and invested capital growth as well as stock returns. This means that growth is lower than for 43% of competitors in the same industry. The consolidated Safety Rank has a riskier rank of 15, which means that the company has a riskier financing structure than 85% comparable companies when looking at the amount of its debt, its refinancing requirements, and its ability to service debt. Finally, the consolidated Sentiment Rank has a low rank of 19, which means that professional investors are more pessimistic about the stock than for 81% of alternative investment opportunities. ...read more

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Strongest Rank Liquidity
Weakest Rank Leverage
Country USA
Industry Regional Banks
Size Small
Website smartfinancialinc.com
Index
Sound Pay USA
SmartFinancial stock price by TradingView. Not sourced by Obermatt.
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The higher the 360° View, the better the stock performed against its peers, considering all metrics. The 360° View represents an average of the other 5 ranks and is then scaled to a rank from 1 to 100. The shaded values are illustrative only.
Last update: 9-Apr-2026.

Make Sense of the Ranks

The higher, the better. For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. These ranks are percentiles: a rank of 75 means the company outperforms 75% of its peers in that specific area. The higher the rank, the better the stock stacks up against its peers.

Value
Identifies how good a value the stock is.
Good Value Expensive
Combined
Consolidated view across Value, Growth, and Safety.
Good Tread Carefully
Growth
Shows a company's growth potential.
High Growth Tough Times
Sentiment
Shows what the market thinks of a stock.
Positive Sentiment Skepticism
Safety
Safety
Assesses how financially secure a company is.
Well-Financed High Leverage
360° View
360° View
Holistic stock analysis: all key non-/financial metrics
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Detailed and Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history. Unlock the analysis.

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Metrics Current 2025 2024 2023
Value
20 13 45 57
Growth
43 87 51 97
Safety
Safety
15 33 37 31
Sentiment
19 75 39 48
360° View
360° View
6 53 26 65
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Metrics Current 2025 2024 2023
Analyst Opinions
27 17 59 87
Opinions Change
50 92 72 26
Pro Holdings
n/a 69 32 45
Market Pulse
11 86 19 40
Sentiment
19 75 39 48
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Metrics Current 2025 2024 2023
Value
20 13 45 57
Growth
43 87 51 97
Safety Safety
15 33 37 31
Combined
10 26 28 85
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Metrics Current 2025 2024 2023
Price vs. Sales (P/S)
53 56 75 79
Price vs. Earnings (P/E)
20 17 28 59
Price vs. Book (P/B)
28 34 69 73
Dividend Yield
31 10 14 15
Value
20 13 45 57
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Metrics Current 2025 2024 2023
Revenue Growth
59 77 79 81
Profit Growth
39 59 36 53
Capital Growth
21 54 67 73
Stock Returns
70 95 27 85
Growth
43 87 51 97
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Metrics Current 2025 2024 2023
Leverage
88 95 60 56
Refinancing
21 44 70 71
Liquidity
1 1 10 7
Safety Safety
15 33 37 31

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Frequently Asked
Questions

This is a highly risky stock investment proposition as all consolidated ranks are below-average. There are no compelling arguments to support this stock based on current information. It is not recommended for any investor profile. However, performance does change, so it could we worth keepin on a watchlist.

Obermatt provides unbiased stock analysis as a completely independent third party. We have no conflicts of interest with individual stock titles. Our data-driven analysis is based on algorithms honed over twelve years, giving you analysis that is free from personal bias and conflicts of interest.

The 360° View Rank indicates a company's overall performance across all major financial and non-financial metrics tracked by Obermatt. A 360° View Rank of 75 means the company is more well-rounded than 75% of similar companies. A high score indicates that the company is strong across the board; it is attractively priced, growing sustainably, financially stable, and well-regarded by the market. Learn more.

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