SmartFinancial, Inc.
SMBKFinancial ServicesNASDAQBanks - Regional
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Daily timeframeSmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers in the United States. With a market capitalization of $886.9M, it sits in small-cap territory. The company offers various deposits, including noninterest-bearing and interest-bearing checking, savings, money market, and individual retirement accounts, as well as certificates of deposit.
Market Cap
$886.9M
Beta
0.68
P/E (TTM)
15.30
P/E (Fwd)
12.38
EPS (TTM)
$3.39
EPS (Fwd)
$4.19
ROE
10.5%
ROA
1.0%
Cash
$389.7M
Total Debt
$120.8M
Free CF
—
52W Change
41.0%
Annual Financials
Cash vs Debt
Where SMBK stands vs its 150-day and 200-day moving averages
As of the September 2, 2026 close, SMBK finished 13.97% above its 150-day moving average ($43.87) and 18.29% above its 200-day moving average ($42.27). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is SMBK overbought or oversold?
At the September 2, 2026 close, SMBK's RSI(14) was 22.2, in oversold territory (below 30). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
With $389.7M in cash and $120.8M in debt, SMBK maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. Return on equity stands at 10.5%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.0% is on the lower side, which is common in asset-heavy industries. Revenue has been uneven over recent years, ranging from $165.2M to $196.5M.
SMBK's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence SmartFinancial, Inc.'s trajectory.