SMARTFINANCIAL INC
SmartFinancial, Inc. (SMBK) is a US regional bank holding company that provides deposit, lending and other financial services to individuals and small-to-medium-sized businesses. With an approximate market capitalisation of $599.56M, it sits in the small-cap regional banking space where growth often depends on lending activity, net interest margin and local economic conditions. Investors should note the business is sensitive to interest-rate moves — higher rates can widen margins but may also increase stress for borrowers — and to loan portfolio credit quality. Regulatory capital requirements and liquidity management are important for stability. The stock can offer income potential and cyclical upside, but it also carries risks common to regional banks, including concentration risk and sensitivity to local economic cycles. This summary is educational only and not personal investment advice; prospective investors should review the company’s filings and consider their own risk tolerance.
Stock Performance Snapshot
Analyst Rating
Analysts suggest holding SMARTFINANCIAL INC’s stock, anticipating a potential increase in value.
Financial Health
SMARTFINANCIAL INC is performing well with strong revenue and cash flow, indicating solid financial health.
Dividend
SMARTFINANCIAL INC's dividend yield of 1.03% is relatively low, which may appeal less to income-focused investors. If you invested $1000 you would be paid $10.32 a year in dividends (based on the last 12 months).
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Baskets Featuring SMBK
Banking Liquidity Strain: Risks and Resilient Options
U.S. banks have significantly increased their borrowing from the Fed's emergency lending facility, signaling potential stress in short-term funding markets. This theme focuses on resilient financial institutions and technology providers that can help navigate or benefit from these tightening liquidity conditions.
Published: October 16, 2025
Explore BasketBank M&A Activity Overview: Consolidation Wave
Fifth Third's $10.9 billion acquisition of Comerica creates a new top-ten U.S. bank, signaling a potential wave of consolidation in the regional banking sector. This theme identifies other mid-sized regional banks that could become prime candidates for similar mergers or acquisitions as the industry continues to scale up.
Published: October 10, 2025
Explore BasketThe Next Fed Chair: A Monetary Policy Pivot
President Trump's search for a new Federal Reserve Chair, including private-sector candidates, signals a potential shift in monetary policy. This could create opportunities in interest-rate-sensitive industries, such as banking and housing, if the new leadership prioritizes lower borrowing costs.
Published: August 14, 2025
Explore BasketBanking On The Fed's Rate Hold
The Federal Reserve's decision to maintain current interest rates, despite political pressure, signals a commitment to managing inflation. This creates an investment opportunity in companies that benefit from a stable and higher interest rate environment, such as banks and other financial services firms.
Published: July 30, 2025
Explore BasketRiding The Southeast Consolidation Wave
The merger of Pinnacle Financial and Synovus Financial creates a dominant regional bank in the Southeastern U.S. This major deal could trigger a wave of consolidation, creating opportunities among other regional banks poised for similar strategic moves.
Published: July 26, 2025
Explore BasketWhy You’ll Want to Watch This Stock
Earnings Sensitivity
Net interest margins and loan growth are primary drivers; rising rates can help margins but may strain borrowers. Performance can vary across economic cycles.
Local Banking Footprint
A community-focused presence builds customer relationships and lending opportunities, though geographic concentration can increase exposure to local downturns.
Capital & Regulation
Regulatory capital levels and liquidity management influence growth capacity and resilience; keep an eye on regulatory filings and ratio trends.
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