SmartFinancial, Inc.
SMBKFinancial ServicesNASDAQBanks - Regional · Last scanned Oct 26, 2026
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Daily timeframeHeadquartered within the financial services sector, SmartFinancial, Inc. focuses on Banks - Regional services and products. SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers in the United States. The $843.6M market capitalization puts SMBK squarely in small-cap range for its industry. 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
$843.6M
Beta
0.71
P/E (TTM)
13.44
P/E (Fwd)
11.89
EPS (TTM)
$3.67
EPS (Fwd)
$4.15
ROE
11.1%
ROA
1.0%
Cash
$364.9M
Total Debt
$99.2M
Free CF
—
52W Change
40.1%
Annual Financials
Cash vs Debt
Where SMBK stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, SMBK finished 9.33% above its 150-day moving average ($46.20) and 13.38% above its 200-day moving average ($44.55). 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 October 20, 2026 close, SMBK's RSI(14) was 58.2, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
SmartFinancial, Inc. holds $364.9M in cash against $99.2M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. Return on equity stands at 11.1%, 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.
With cash comfortably exceeding debt, SMBK has financial flexibility that may help navigate uncertain periods. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for SmartFinancial, Inc. and its sector.