SmartFinancial (SMBK) Stock Price

SmartFinancial Price

NASDAQ·CLOSED
47.90
​
Market closed

Over the last 19 years SmartFinancial grew revenue by 12.5% annually, reaching 196.50 M USD. Earnings per share have declined at 0.8% per year over the last 19 years. For SmartFinancial, the net margin of 25.6% is broadly stable versus 25.3% a few years ago. At today's price the dividend yield works out to roughly 0.67%. The payout ratio is around 11% of earnings. The consensus 12-month price target for SmartFinancial is 54.00 USD, about 12.7% above where the stock trades today. Of 12 analysts, 7 rate the stock a buy — an overall Buy consensus.

SmartFinancial stock price

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SmartFinancial business model & stock analysis

SmartFinancial Inc is a US-based financial services company founded in 1986. It is headquartered in Costa Mesa, California and offers a variety of financial services. The company's main goal is to help customers achieve their financial goals by providing them with the right financial instruments and services. Business Model The business model of SmartFinancial Inc is based on providing financial services and solutions tailored to the needs of individuals and businesses. The company offers a wide range of financial products and services, including insurance, loans, asset management, and investment services. Different Divisions of SmartFinancial Inc SmartFinancial Inc offers different divisions of financial products and services. These include, but are not limited to: 1. Insurance Customers can purchase various insurance policies through SmartFinancial Inc, including auto insurance, home insurance, liability insurance, life insurance, and health insurance. The company offers a wide range of insurance products to meet the individual needs of its customers. 2. Loans SmartFinancial Inc offers a variety of loans, including personal loans, mortgage loans, auto loans, and credit cards. The loans are tailored to the individual needs of customers and offered at competitive interest rates. 3. Asset Management The company provides asset management services to assist customers in managing their wealth. SmartFinancial Inc's asset management services include wealth planning, portfolio analysis, wealth growth, and tax planning, among others. 4. Investment Services SmartFinancial Inc offers investment services to help investors achieve their investment goals. The company offers a variety of investment options, including stocks, bonds, mutual funds, and ETFs. Products SmartFinancial Inc offers a wide range of financial products and services, including: 1. SmartAuto SmartAuto is an online car purchasing service that helps customers buy new or used cars. The service allows customers to search, compare, and purchase cars online, and offers a variety of financing options. 2. SmartCredit SmartCredit is an online credit portal that helps customers quickly apply for a loan as needed. The credit comparison service allows customers to compare different credit offers and select the best one based on their needs. 3. SmartRenters SmartRenters is an insurance service specifically designed for renters. The service offers customers affordable renters insurance with protection for personal property, liability insurance, and other important coverages. In summary, SmartFinancial Inc is a leading provider of financial services in the US. The company was founded with the goal of helping customers achieve their financial goals and offers a wide range of financial products and services to fulfill this mission. While the company is primarily known for its insurance offerings, it also provides a variety of loans, asset management services, and investment options. With innovative products like SmartAuto and SmartCredit, SmartFinancial Inc has revolutionized the online financial services industry and is a leading financial services provider in the US.

Frequently asked questions about SmartFinancial

SmartFinancial Inc is a leading financial holding company that operates through its subsidiary SmartBank. The company primarily focuses on providing a wide range of financial services to individuals and small businesses. SmartBank offers various banking services such as checking and savings accounts, loans, mortgages, and wealth management. SmartFinancial Inc emphasizes fostering long-term relationships with its customers by delivering personalized solutions and exceptional customer service. The company's strong commitment to innovation and growth has positioned it as a trusted financial partner in the communities it serves. SmartFinancial Inc ensures the financial well-being of its customers through its diversified business model and dedication to excellence.

SmartFinancial Inc is primarily active in the banking and financial services industry.

The main competitors of SmartFinancial Inc in the market are other financial institutions operating in the same industry. These competitors include banks, credit unions, and other financial services companies that offer similar products and services to customers. Some notable competitors of SmartFinancial Inc are Bank of America, Wells Fargo, JPMorgan Chase, and Citigroup.

SmartFinancial Inc is a leading financial services company with a rich history and diverse background. Established in (year), SmartFinancial Inc has been at the forefront of providing innovative solutions in the financial sector. The company has consistently focused on delivering exceptional services, building strong customer relationships, and driving growth across various markets. With a commitment to excellence, SmartFinancial Inc has become synonymous with trust, reliability, and success in the industry. Through strategic acquisitions and organic growth, the company has expanded its presence and diversified its offerings, further cementing its position as a trusted and respected financial institution.

SmartFinancial Inc, a leading financial holding company, has achieved several significant milestones throughout its journey. The company successfully completed the acquisition of Progressive Financial Group Inc, establishing a stronger market presence. Furthermore, SmartFinancial Inc received an S&P Global Market Intelligence ranking as one of the top-performing community banks in the US. This recognition highlights the company's commitment to excellence and financial stability. Additionally, SmartFinancial Inc's consistent growth in stock value and shareholder returns showcases its ability to generate value for investors. By continually expanding its product offerings and delivering exceptional customer service, SmartFinancial Inc has become a trusted and respected player in the financial industry.

SmartFinancial Inc is primarily present in the United States.

SmartFinancial Inc represents a set of core values and a corporate philosophy that shapes its operations. The company places a strong emphasis on integrity, transparency, and customer-centricity. Its commitment to providing exceptional financial services with utmost honesty and ethical behavior sets it apart. SmartFinancial Inc aims to build lasting relationships with its customers by delivering personalized solutions that cater to their unique needs. The company actively promotes teamwork, innovation, and continuous improvement, fostering an environment that encourages employees to excel. By putting customers first and upholding their values, SmartFinancial Inc strives to be a trusted partner in financial success.

Analysts currently set an average price target of 53.00 USD for the SmartFinancial stock (median: 54.00 USD), implying +10.6 % versus the latest price. The consensus is based on 12 analyst ratings.

12 analysts currently rate the SmartFinancial stock: 7 recommend buying, 5 holding and 0 selling. For 2026, analysts expect SmartFinancial to generate revenue of 226.61 M USD and earnings per share of 3.85 USD.

Converted at the current exchange rate, the SmartFinancial share trades at 42.75 EUR (47.90 USD).

The SmartFinancial share (SMBK) is listed on 1 stock exchanges, including: NASDAQ (SMBK).

SmartFinancial Inc is a US-based financial technology company that was founded in 2012. The company offers various online products and services related to insurance and finance to its customers in the USA. This includes insurance comparison services, insurance quotes, financial education resources, and other online tools. The company is divided into several sectors, including auto, home, life, and health insurance. In each of these sectors, SmartFinancial collaborates with different insurance companies and brokers to provide its customers with a wide range of insurance offerings. The majority of SmartFinancial's business involves offering customers online insurance comparison services. Customers can simply enter their personal data and information about the item to be insured, and SmartFinancial then calculates a list of insurance quotes based on the customer's individual needs. The insurance quotes offered include various coverages and policies that meet the customers' needs. Through the comparison services, SmartFinancial can help its customers find insurance that suits their individual needs while offering the best prices. In addition to insurance quotes, SmartFinancial also offers financial education resources and other online tools. These resources help customers expand their financial knowledge and make better decisions regarding insurance and other financial matters. This aims to make customers better informed and make their insurance decisions on more solid foundations. To improve its customer service, SmartFinancial also offers various online tools designed to enhance customer support. This includes an online support function that assists customers with questions and issues. Additionally, customers can manage their insurance policies and financial products online, saving time and costs and streamlining the process. SmartFinancial's business model is designed to provide customers with the best possible service and the most comprehensive coverage. By collaborating with multiple insurance companies, the company can offer a variety of products and services tailored to the individual needs of customers. Overall, SmartFinancial provides a user-friendly and convenient way for customers to compare and purchase insurance. Through its extensive resources and online tools, customers are expected to be better informed about their financial decisions and have better control over their finances.

The expected revenue of SmartFinancial is 226.61 M USD. This figure is based on current financial data and reflects the company's business performance.

The expected profit of SmartFinancial is 65.09 M USD. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of SmartFinancial is currently 12.45. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the SmartFinancial stock.

The price-to-sales ratio (P/S) of SmartFinancial is currently 3.58. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the SmartFinancial stock.

The Eulerpool Quality Score for SmartFinancial is 7/10.

The ISIN of SmartFinancial is US83190L2088. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of SmartFinancial is A140QS. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of SmartFinancial is SMBK. The ticker symbol is used to trade SmartFinancial shares on the stock exchange.

Fair ValueTerminal
40.24 USD
Over-/UndervaluationTerminal
Fairly valued
Sector
Industry
Banks
Number of shares
Employees
Revenue per Employee
338,209.98 USD
Revenue growth Ø5 years
EBIT growth Ø5 years
Net Income growth Ø5 years
Currency
USD
Initial public offering
Jun 21, 2001
ISIN
US83190L2088
Cusip
83190L208
Sedol
BYVYKX1
Market capitalization
815.74 M USDSmall Cap
52-Week Range
PEG
2.48
P/E ratio
P/Ee 2026
12.53
P/Ee 2027
11.56
P/Ee 2028
10.38
P/S
P/Se
3.58
EV/EBIT
7.37
P/B Ratio
1.48
ROE (Return on Equity)
ROA (Return on Assets)
ROCE (Return on Capital Employed)
ROIC (Return on Invested Capital)
7.70 %
Dividend
Dividend yield
0.67 %
Est. Dividend Yield
0.72 %
Payout Ratio
10.76 %
Dividend growth Ø5Y
1.30 %
Dividend payments per year
4
Dividend paid since
7 years
Dividend not reduced since
1 year
Dividend increased since
0 years
Dividend withholding tax
30.00 %
Last updated Nov 10, 2026, 3:41 AM

SmartFinancial Ticker

NASDAQ · SMBK

SmartFinancial FIGI

SMBK:US · BBG000BP08R4SMBK:UA · BBG000BP09J1SMBK:UC · BBG000BP09Z3SMBK:UN · BBG000BP0BG9SMBK:UP · BBG000BP0BT5SMBK:UB · BBG000BP0CQ6SMBK:UT · BBG000BP0CY7SMBK:UM · BBG000BP0D48SMBK:UX · BBG000BP0DJ2SMBK:UD · BBG000BP0HJ3SMBK:UF · BBG000BP0LF8SMBK:VY · BBG000BP0LQ6