SmartFinancial, Inc. (SMBK)
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
$51.87+0.06%
Close 2026-09-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · SMBK
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 8.5% |
| Our one-year growth estimate | diamond | -14.0% |
Growth built into the price is above our model estimate.
The price assumes 22.5 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Model as of 2026-09-04 · Compared with 219 industry peers
SMBK — dividend update
Dated 2026-07-20
of this report (including Exhibit 99.2) shall not be deemed to be “filed” for purposes of Section 18 of the Exchange Act, or otherwise subject to the liabilities of that section, and shall not be incorporated by reference into any registration statement or other document filed under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing. Item 9.01 Financial Statements and Exhibits Exhibit No. Des…
Why it matters: More nonperforming loans could mean credit quality problems that might hurt earnings.
Worry ifNonperforming loans as a percentage of total loans exceeds 0.30%.
Less concerning ifNonperforming loans are still below 0.30%.
Why it matters: Strong loan growth indicates demand for credit and effective lending strategies. It supports revenue growth.
Supportive ifNet organic loan growth reported above $165 million.
Worry ifNet organic loan growth reported below $165 million.
Why it matters: If revenue growth drops below median, it signals a slowdown in the financial sector. This could impact SMBK's performance.
Worry ifSmartFinancial reports revenue growth below the median of 15% year over year.
Less concerning ifRevenue growth remains above the median of 15% year over year.
Why it matters: An increase in the dividend shows strong financial health. It also shows a commitment to shareholders.
Supportive ifThe board announces a quarterly cash dividend higher than $0.09 per share.
Worry ifIf the board keeps the dividend at $0.09 or lowers it, there may be financial issues.
Why it matters: An increase in dividends shows the company values its shareholders. It shows financial strength.
Supportive ifDividend declared above $0.09 per share.
Worry ifDividend remains at $0.09 or decreases.
Why it matters: Revenue growth trends impact the overall sector health. A drop could signal broader issues.
Worry ifRevenue growth drops below its median for the sector.
Less concerning ifRevenue growth remains above its median for the sector.
Why it matters: A steady or rising net interest margin helps profits. It also shows good asset management.
Supportive ifNet interest margin remains above 3.50% in Q3.
Worry ifNet interest margin drops below 3.50% in Q3.
Why it matters: Earnings per share growth shows how well the company makes money. A strong EPS means good business performance.
Supportive ifQ3 diluted earnings per share exceeds $0.96, showing continued growth.
Worry ifIf Q3 diluted earnings per share is below $0.96, there may be problems.
Why it matters: Strong net income growth shows the company can keep making money.
Supportive ifQ3 net income exceeds $19 million, reflecting more than 15% growth from Q3 2025.
Worry ifQ3 net income growth falls below 15% YoY.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$100 on $10,000 · ±1.0% | How much price usually moves either way. |
| Bad day | $243 loss on $10,000 · 2.4% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,328 loss on $10,000 · 13.3% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.