Stocktoria
SMARTFINANCIAL INC. SMBK
SMARTFINANCIAL INC. (SMBK) earns a Piotroski F-score of 2/9 (weak financial health). It pays a dividend yielding 0.66% (safety: n/a).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 2/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| SMBK | SMARTFINANCIAL INC. | 2/9 | — | — | — |
| MFG | MIZUHO FINANCIAL GROUP INC | 4/9 | — | — | +7.6% |
| JPM | JPMORGAN CHASE & CO | 2/9 | — | 15.5 | +2.8% |
| BAC | BANK OF AMERICA CORP /DE/ | 5/9 | — | 13.5 | +6.8% |
| C | CITIGROUP INC | 3/9 | — | 17 | +5.6% |
| COF | CAPITAL ONE FINANCIAL CORP | 4/9 | — | 51.2 | +36.6% |
| USB | US BANCORP DE | 6/9 | — | 12.1 | +4.4% |
All Finance, Insurance & Real Estate companies →
About SMARTFINANCIAL INC.
SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers in the United States. The company offers various deposits, including noninterest-bearing and interest-bearing checking, savings, money market, and individual retirement accounts, as well as certificates of deposit. It also provides commercial and residential real estate, consumer real estate, construction and land development, commercial and industrial, and consumer and other loans, as well as leases to small and mid-size companies for equipment financing leases. In addition, the company offers wealth management, insurance, mortgage origination, and internet and mobile banking services. It operates in Tennessee, Alabama, and Florida. SmartFinancial, Inc. is based in Knoxville, Tennessee.
FAQ
Is SMBK financially healthy?
SMARTFINANCIAL INC.'s Piotroski F-score is 2/9 (8–9 is excellent, 0–3 weak).
Does SMBK pay a dividend, and is it safe?
Yes. SMARTFINANCIAL INC. pays a dividend yielding about 0.66% with a None payout ratio, rated “n/a” for safety.
Is SMBK overvalued or undervalued?
SMARTFINANCIAL INC. trades at about 17.6× trailing earnings — above its 10-year norm (10-year range 10.6×–57.2×, median 13.4×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for SMBK?
The average Wall-Street price target for SMARTFINANCIAL INC. is $47.46, about 9.7% below the recent price, from 6 analysts (consensus: buy).
Is SMBK a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on SMARTFINANCIAL INC.: a Piotroski F-score of 2/9, a dividend yield of 0.66%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.