SmartFinancial, Inc. (SMBK) Stock Score, Valuation & Financial Research
SmartFinancial, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 59/100.
Quick answer for SMBK
SmartFinancial, Inc. currently has a Wall Street Score of 59/100. The stored market price is $52.24. Its financial score is 60/100. Its valuation score is 93/100. These figures are a research snapshot, not a buy or sell recommendation.
What SmartFinancial, Inc. does
SmartFinancial, Inc. functions as the parent entity for SmartBank, which offers a broad spectrum of financial solutions to both individual clients and corporate entities. The company's operations are structured across distinct segments: Commercial Real Estate, Consumer Real Estate, Construction and Land Development, Commercial and Industrial, and a broader Consumer and Other division. Its suite of deposit products includes non-interest and interest-bearing checking accounts, interest-bearing demand accounts, savings and money market accounts, various time deposits, Individual Retirement Accounts (IRAs), and certificates of deposit (CDs). Additionally, SmartFinancial's lending portfolio encompasses financing for commercial and residential properties, consumer real estate, and construction and land development projects. It also extends commercial and financial loans, mortgage loans, direct
SMBK financial snapshot
- Wall Street Score:
- 59/100
- Current price:
- $52.24
- Market capitalization:
- $893.2M
- Revenue:
- $331.2M
- Net income:
- $57.4M
- Free cash flow:
- $59.3M
- Cash:
- $379.4M
- Total debt:
- $99.4M
- EPS:
- 3.01
- P/E ratio:
- 17.4x
- Financial score:
- 60/100
- Valuation score:
- 93/100
- Revenue score:
- 34/100
What stands out
- Reported year-over-year revenue growth is +0.0%.
- Free cash flow is $59.3M, showing positive cash generation.
- The balance sheet shows $379.4M of cash versus $99.4M of total debt, leaving more cash than debt.
What the numbers mean
Its current valuation score is 93/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 60/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research SMBK
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
Learn how to analyze a stock · Read the Wall Street Score methodology · Browse other stocks
Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.