SmartFinancial, Inc. (SMBK)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
$49.53+1.91%
Close 2026-11-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
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 | -1.2% |
| Our one-year growth estimate | diamond | -16.3% |
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.
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 2026-11-04.
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.
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.
Growth built into the price is above our model estimate.
The price assumes 15.1 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
SMBK — dividend update
Dated 2026-10-30
Regulation FD Disclosure. On October 30, 2026, SmartFinancial, Inc. (“ SmartFinancial ”) issued a press release announcing that, on October 30, 2026, the board of directors of SmartFinancial (the “ Board ”) declared a quarterly cash dividend of $0.09 per share of SmartFinancial common stock (the “ Dividend ”) payable on December 1, 2026, to shareholders of record as of the close of business on November 16, 2026. A copy of the press release announcing the dividend is attached as Exhibit 99.1 h…
Why it matters: Nonperforming loans rose from 0.25% to 0.28% of loans in Q3. A further rise would point to more strain in the loan book.
Worry ifQ4 nonperforming loans and leases exceed 0.28% of total loans and leases.
Less concerning ifQ4 nonperforming loans and leases fall below 0.25% of total loans and leases.
Why it matters: The board declared a $0.09 per-share payment. Payment on the stated date would confirm that this quarter's cash payout went ahead.
Watch forSmartFinancial pays $0.09 per share on December 1, 2026, to holders of record on November 16.
Also watch forThe company says the $0.09 payment is delayed, changed, or canceled.
Why it matters: Loan growth was strong in Q3, and core deposits grew faster. More growth in both would support SmartFinancial's plan to expand its business.
Supportive ifQ4 net organic loan growth exceeds $174 million and core deposit growth exceeds $163 million.
Worry ifQ4 net organic loan growth falls below $155 million or core deposits shrink.
Why it matters: Costs rose in each of the first three quarters, while management pledged expense control. Another rise could limit the gains from growth.
Worry ifQ4 costs other than interest exceed $36.4 million.
Less concerning ifQ4 costs other than interest fall below $34.0 million.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$79 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $234 loss on $10,000 · 2.3% | 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.