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SMBK

SmartFinancialC
NYSE / Banks
Last Price
At close
2026-07-21
View Chart
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
Value
What changed
Value remains the lead driver in the composite, 7D delta -1.0.
What can break
Community-bank multiples remain exposed to rate volatility, regulatory scrutiny, and regional macro softness in Southeastern markets.
Momentum
65
Value
50
Sentiment
46
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $44.50 · Bull $48.00 · Bear $36.00
Data freshness
Prices
As of 2026-07-21
Fundamentals
As of 2026-07-21 • Vendor: Data Vendor v1
Scores
As of 2026-07-21 • Model: HYBRID_IC_RP
AI Memo
As of 2026-04-21 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-07-21
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $48.46
Why
Momentum65 · Δ7d -9.0
Value50 · Δ7d -1.0
Sentiment46 · Δ7d -4.3
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Lead driver: Value · See fundamentals
Momentum
65
26% active weight
Current posture
7d trendSoftening
Δ7d
-9.0
Δ21d
+3.9
Value
50
39% active weight
Current posture
7d trendSoftening
Δ7d
-1.0
Δ21d
-0.4
Sentiment
46
34% active weight
Current posture
7d trendSoftening
Δ7d
-4.3
Δ21d
-4.6
Why this grade

Composite grade C. Momentum 64.8 / Value 49.9 / Sentiment 46.5

Fundamentals (TTM)
As of 2026-07-21
Market Cap
$830.99M
Beta
0.77
Shares Out
17.1M
P/E (TTM)
13.5
P/S (TTM)
3.25
P/FCF (TTM)
11.88
Rev YoY
+9.7%
EPS YoY
+21.1%
Gross Margin
-
Op Margin
+29.5%
Net Debt
$56.96M
Current Ratio
0.19
As of 2026-07-21 • Updated nightlySource: Internal modelMethodology