SMBK

SmartFinancial, Inc.

Financial Services · $842M market cap

Share price

$50.99

close of Oct 3, 2026

Fair value

$40.29

Sticker Price

Payback Price

$16.11

buy price

Overpriced

SMBK is Overpriced: at $50.99 it trades 27% above its fair value of $40.29. Its buy price (Payback Price) is $16.11, 68% below today's price. Business quality is solid: 3 of 5 key numbers clear the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

3 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth15.9% a year✓

Equity per share growth1.9% a year✗

Sales growth16.3% a year✓

Free cash flow growth13.4% a year✓

Return on invested capital6.1%✗

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Superinvestors

1 of the investors we track holds SMBK. In Q2 2026, 1 added. Who we track

First Eagle Investment Management

First Eagle Investment Management · as of Q2 2026

$15.0M

319,339 shares

Moves in Q2 2026

Added: First Eagle Investment Management

Insider activity

Since Aug 4, 2026: no open-market purchases and 1 sale worth $23K. Why purchases matter

Sales

Jordan Rhett D.

EVP & CHIEF CREDIT OFFICER · 2026-08-04

Sold

$23K

About SmartFinancial, Inc.

SmartFinancial, Inc. functions as the parent entity for SmartBank, which offers a broad spectrum of financial solutions to both individual clients and corporate entities. The company's operations are structured across distinct segments: Commercial Real Estate, Consumer Real Estate, Construction and Land Development, Commercial and Industrial, and a broader Consumer and Other division. Its suite of deposit products…

Banks - Regional