SMBK

SmartFinancialC

NYSE / Banks

At close

2026-06-03

Current thesis

The strongest supported bull argument is that SMBK entered 2026 with tangible business momentum: Q1 loan growth was strong, core deposit growth was positive, deposit costs fell, and NIM expanded, while management also framed the ACL-model impact as a one-quarter normalization issue rather than a worsening credit trend [#8-K-2026-04-20]. If those operating signals persist, the stock can move closer to or above the sparse analyst median target of $44.5 and potentially into the upper-40s.

Posture

Mixed

Lead driver

Sentiment

What changed

Sentiment remains the lead driver in the composite, 7D delta +1.2.

What can break

Community-bank multiples remain exposed to rate volatility, regulatory scrutiny, and regional macro softness in Southeastern markets.

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $44.50 · Bull $48.00 · Bear $36.00

Data freshness

Prices

As of 2026-06-03

Fundamentals

As of 2026-06-02 • Vendor: Data Vendor v1

Scores

As of 2026-06-03 • Model: HYBRID_IC_RP

AI Memo

As of 2026-04-21 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-06-03

Supporting evidence

What

Grade C · Mixed

Confidence Medium · Net Neutral

Target $44.50

Why

Momentum47 · Δ7d -3.5

Value51 · Δ7d -0.4

Sentiment56 · Δ7d +1.2

So what

Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Lead driver: Sentiment · See AI snapshot

Momentum

34% active weight

Current posture

7d trendSoftening

Δ7d

-3.5

Δ21d

-6.7

Value

32% active weight

Current posture

7d trendFlat

Δ7d

-0.4

Δ21d

-0.3

Sentiment

33% active weight

Current posture

7d trendImproving

Δ7d

+1.2

Δ21d

+5.4

Why this grade

Composite grade C. Momentum 46.5 / Value 51.4 / Sentiment 55.7

Fundamentals (TTM)

As of 2026-06-02

Market Cap

$711.98M

Beta

0.77

Shares Out

17.03M

P/E (TTM)

13.5

P/S (TTM)

3.25

P/FCF (TTM)

11.88

Rev YoY

+16.5%

EPS YoY

+49.1%

Gross Margin

Op Margin

+29.5%

Net Debt

-$48.69M

Current Ratio

As of 2026-06-03 • Updated nightlySource: Internal modelMethodology