SMBK Stock Analysis: Buy, Sell, or Hold?
SMBK - SmartFinancial, Inc.
$46.21
0.47 (1.03%)
▲
5d:
+4.12%
30d:
+10.98%
90d:
+19.99%
BUY
MODERATE Confidence
Analysis Updated: Jun 24, 2026 12:00 AM ET
Earnings: Jul 20, 2026
25d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: SMBK shows positive signals but monitor for confirmation. Market pricing in 2.3% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: SMBK shows positive signals but monitor for confirmation. Market pricing in 2.3% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$66.98
Based on 9.2% avg growth
INTRINSIC VALUE TODAY
$41.59
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: SMBK is currently trading at $46.21, which is considered extended relative to its 30-day fair value range of $41.12 to $44.66. The stock's valuation (Forward PE: 11.0) is in line with its historical norms (10.3). At these levels, the market is pricing in 2.3% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, SMBK is in a uptrend. The price is approaching resistance at $43.85. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: SMBK has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, SMBK is in a uptrend. The price is approaching resistance at $43.85. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: SMBK has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$41.12 -
$44.66
Company Quality Score
59/100
(HOLD)
Options IV Signal
36th percentile
(NORMAL)
Volume Confirmation
HIGH
Confidence Score
60.4%
Protect Your Profits
SMBK is technically overbought (RSI 72). Consider hedging now to protect against a potential pullback while keeping your upside.
View Profit Protection PlanAll Signals
- BEARISH: Price extended above range
- NEUTRAL: Options fairly priced (IV 36th percentile)
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($46.15)
- NEUTRAL: Market pricing in 2.3% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$41.12 -
$44.66
Current vs Trading Range
EXTENDED
Expected Move (7 Days)
±$4.39
(9.5%)
Support & Resistance Levels
Support Level
$40.35
Resistance Level
$43.85
Current Trend
Uptrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
11.00
Wall Street Target
$46.15
(-0.1%)
Revenue Growth (YoY)
8.3%
Earnings Growth (YoY)
20.9%
Profit Margin
26.9%
Valuation Premium vs History
+2.3% premium
PE vs Historical
11.0 vs 10.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.3%
(market-implied from PE analysis)
1-Year Target
$47.27
(+2%)
2-Year Target
$48.36
(+5%)
3-Year Target
$49.47
(+7%)
3-Yr Target (if PE normalizes)
(PE: 11→10)
PE COMPRESSION
$46.31
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 14.4%)
$137.11
(+197%)
Base:
(SPY PE: 11.0, Growth: 14.4%)
$69.26
(+50%)
Bear:
(PE: 9.4, Growth: 14.4%)
$58.87
(+27%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (14x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 14.41 | Current EPS (TTM): $3.12
Bull Case
$66.58
(+46%)
Analyst growth 34.6%, PE expands to 15.9
Base Case
$60.53
(+32%)
Market implied 34.6%, PE stable at 14.4
Bear Case
$30.58
(-33%)
Severe decline -20.0%, PE contracts to 12.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: June 24, 2026 5:57 PM ET
Data refreshes hourly during market hours. Next update: 6:57 PM
Data refreshes hourly during market hours. Next update: 6:57 PM
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Technical Signals Check
Is SMBK showing a specific setup today?
Insider Activity (6 Months)
2
Buys
1
Sells
+
Net
INSIDERS BUYING
Recent Transactions
Rhett D Jordan
SELL
500 shares
2026-04-24
Wesley Miller Welborn
BUY
835 shares
2026-02-09
Kelli D Shomaker
BUY
255 shares
2026-01-27
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Advanced SMBK Option Strategies
Professional options setups generated by AI based on today's SMBK price and gamma walls.
