SmartFinancial Inc. Common Stock (SMBK)

FairStock Score: 63/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at a regional bank like SmartFinancial first for consistency, then for price. The filed figures show net income rising from $28.6M in FY2023 to $36.1M in FY2024 to $50.3M in FY2025, with diluted EPS of $1.69, $2.14 and $2.98. In the quarter ended 2026-06-30, net income was $16.3M and diluted EPS $0.96, up from $11.7M and $0.69 in the quarter ended 2025-06-30. That is a good trend, and FairStock's Lynch category calls it a stalwart, with 15.7% annual profit growth over five years. The Piotroski F-score of 7/9 supports basic financial discipline.

In plain English: SmartFinancial is a bank holding company that runs SmartBank, taking deposits and making loans to people and businesses. The bank has grown its profit and profit per share over the past few years, and it looks financially steady. At the recent stock price of $50.22, the shares look roughly fair to a little cheap compared with the company's profits and net assets, but the data does not show enough about loan quality or capital to call it a clear bargain. It pays a small dividend.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer