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SMBK
Volume: 1.69K
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SmartFinancial (SMBK) Stock Forecast & Price Target

SmartFinancial (SMBK) Analyst Ratings

Based on 4 analyst ratings
Hold
Strong Buy 25%
Buy 0%
Hold 75%
Sell 0%
Strong Sell 0%

Bulls say

SmartFinancial Inc., through its subsidiary SmartBank, has demonstrated robust growth, with deposits increasing 14.7% on a last quarter annualized (LQA) basis and a notable loan growth rate of 9.5% LQA. The company has successfully improved its net interest margin (NIM), which rose by 8 basis points to 3.29%, exceeding prior estimates and largely driven by enhanced loan yields. Since its merger with Cornerstone Community Bank in 2015, SmartBank has achieved significant organic growth and improved profitability, with total assets now standing at $2.5 billion, positioning the company favorably within the banking sector.

Bears say

SmartFinancial Inc. has experienced a concerning decline in deposits, which fell to 5% from 11% in the previous quarter, leading to an increased loan-to-deposit ratio of 85%. Additionally, the bank's net interest margin (NIM) has decreased by 4 basis points to 3.25%, primarily due to rising deposit costs and borrowings, despite a marginal rise in loan yields. These factors contribute to a negative outlook for the bank's financial stability and future growth prospects.

SmartFinancial (SMBK) has been analyzed by 4 analysts, with a consensus rating of Hold. 25% of analysts recommend a Strong Buy, 0% recommend Buy, 75% suggest Holding, 0% advise Selling, and 0% predict a Strong Sell.

This aggregate rating is based on analysts' research of SmartFinancial and is not a guaranteed prediction by Public.com or investment advice.

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FAQs About SmartFinancial (SMBK) Forecast

Analysts have given SmartFinancial (SMBK) a Hold based on their latest research and market trends.

According to 4 analysts, SmartFinancial (SMBK) has a Hold consensus rating as of Dec 15, 2025. This rating is provided by third-party analysts and is not investment advice from Public.com.

Wall Street analysts have set a price target of $38.62, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $38.62, indicating a 0.00% increase from the current stock price, but ratings and forecasts are frequently updated based on market conditions, earnings reports, and industry trends. This prediction is provided by third-party analysts and is not investment advice from Public.com.

SmartFinancial (SMBK)

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