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SmartFinancial, Inc (SMBK) Fair Value & Analysis

Financial Services · US · Market cap $769M

Price$46.21
Fair Value$38.28
Upside-17.2%
Quality95/100
Evidence: High Range $28.71 – $47.85

Fair value as of: Jun 25, 2026

Analysis

SmartFinancial, Inc (SMBK) currently trades at $46.21, while our model-based Fair Value estimate is $38.28 — implying the stock looks roughly 17.2% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

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 company offers various deposits, including noninterest-bearing and interest-bearing checking, savings, money market, and individual retirement accounts, as well as certificates of deposit. It also provides commercial and residential real estate, consumer real estate, construction and land development, commercial and industrial, and consumer and other loans, as well as leases to small and mid-size companies for equipment financing leases. In addition, the company offers wealth management, insurance, mortgage origination, and internet and mobile banking services. It operates in Tennessee, Alabama, and Florida. SmartFinancial, Inc. is based in Knoxville, Tennessee.

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Frequently asked questions

Is SmartFinancial, Inc (SMBK) undervalued?
As of Jun 25, 2026, our model estimates a fair value of $38.28 versus a price of $46.21 — about −17% (overvalued). Model-based estimate, not financial advice.
What is the fair value of SMBK?
Our 21-model fair value for SmartFinancial, Inc is $38.28 (as of Jun 25, 2026), built from audited fundamentals. The current price is $46.21.
What is the quality score of SMBK?
SmartFinancial, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.