SmartFinancial, Inc. (SMBK)

SmartFinancial, Inc.'s stock (SMBK) has fluctuated between $26.31 and $43.91 over the past 52 weeks, trading around $42.86 in early February 2026, with a six-month gain of approximately 19.72%. Strong Q4 2024 earnings and optimistic guidance for 2025 drove up the stock price, including a 55% year-over-year increase in net income and accelerated loan growth. The company also increased its quarterly cash dividend. Analyst ratings have influenced the stock, with a consensus rating of 'Moderate Buy'.

SmartFinancial, Inc. experiences demand seasonality, facing a negative outlook partly due to a seasonal decline in deposits. Deposit levels, a key component of their business, can fluctuate with seasonal patterns.

SmartFinancial, Inc. operates in the Finance sector as a National Commercial Bank, attracting deposits and investing funds. It offers deposit products like checking, savings, and CDs, and lending products including commercial, real estate, and consumer loans. The company also provides e-banking services and insurance products through SBK Insurance, Inc.

SmartFinancial's geographic focus is concentrated in the Southeast United States, with branches and lending teams across East Tennessee, Northern Alabama, and Florida. Key markets include Knoxville, Chattanooga, Nashville, Huntsville, and Birmingham. The company has expanded through organic growth and strategic acquisitions.

SmartFinancial, Inc.'s brand reputation is mixed. Analyst sentiment is generally positive, with a 'Moderate Buy' consensus rating. MarketBeat ranked SmartFinancial higher than 69% of companies in the finance sector. Customer reviews vary, with some expressing dissatisfaction with the mobile application and unsolicited calls, while others highlight positive experiences with onboarding and lead generation.

SmartFinancial, Inc. has significant institutional ownership, with 338 institutional owners holding 11,618,467 shares. Major institutional owners include BlackRock, Inc., Vanguard Group Inc, and Dimensional Fund Advisors Lp. Institutional shareholders hold approximately 51.55% of the company, while individual shareholders account for about 13.24%.