How to buy SmartFinancial stock | $18.65

SmartFinancial, Inc is a banks-regional business based in the US. SmartFinancial shares (SMBK) are listed on the NASDAQ and all prices are listed in US Dollars. SmartFinancial employs 464 staff and has a trailing 12-month revenue of around USD$98.7 million.

How to buy shares in SmartFinancial

1. Compare share trading platforms. If you're a beginner, look for a platform with low commissions, expert ratings and investment tools to track your portfolio. Narrow down top brands with our comparison table.
2. Open and fund your brokerage account. Complete an application with your personal and financial details, like your ID and bank information. Fund your account with a bank transfer, credit card or debit card.
3. Search for SmartFinancial. Find the stock by name or ticker symbol: SMBK. Research its history to confirm it's a solid investment against your financial goals.
4. Purchase now or later. Buy today with a market order or use a limit order to delay your purchase until SmartFinancial reaches your desired price. To spread out your purchase, look into dollar-cost averaging, which smooths out buying at consistent intervals and amounts.
5. Decide on how many to buy. At last close price of USD$18.65, weigh your budget against a diversified portfolio that can minimize risk through the market's ups and downs. You may be able to buy a fractional share of SmartFinancial, depending on your broker.
6. Check in on your investment. Congratulations, you own a part of SmartFinancial. Optimize your portfolio by tracking how your stock — and even the business — performs with an eye on the long term. You may be eligible for dividends and shareholder voting rights on directors and management that can affect your stock.

SmartFinancial share price

Use our graph to track the performance of SMBK stocks over time.

SmartFinancial shares at a glance

• Key figures

Information last updated 2020-12-03.

Latest market close	USD$18.65
52-week range	USD$10.9348 - USD$23.6863
50-day moving average	USD$15.8629
200-day moving average	USD$14.9219
Wall St. target price	USD$18.71
PE ratio	12.162
Dividend yield	USD$0.2 (1.1%)
Earnings per share (TTM)	USD$1.494

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Is it a good time to buy SmartFinancial stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

Technical Analysis of SmartFinancial, Inc by TradingView

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

SmartFinancial price performance over time

Historical closes compared with the close of $18.65 from 2020-12-09

1 week (2021-01-08)	-6.00%
1 month (2020-12-15)	-2.61%
3 months (2020-10-15)	29.97%
6 months (2020-07-15)	25.67%

1 year (2020-01-15)	-19.51%
2 years (2019-01-15)	1.36%
3 years (2018-01-12)	22.88
5 years (2016-01-15)	19.94%

Is SmartFinancial under- or over-valued?

Valuing SmartFinancial stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of SmartFinancial's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

SmartFinancial's P/E ratio

SmartFinancial's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 12x. In other words, SmartFinancial shares trade at around 12x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

SmartFinancial financials

Revenue TTM	USD$98.7 million
Operating margin TTM	34.79%
Gross profit TTM	USD$89.5 million
Return on assets TTM	0.76%
Return on equity TTM	6.72%
Profit margin	22.33%
Book value	$22.962
Market capitalisation	USD$276.8 million

TTM: trailing 12 months

Shorting SmartFinancial shares

There are currently 82,850 SmartFinancial shares held short by investors – that's known as SmartFinancial's "short interest". This figure is 9.2% down from 91,258 last month.

There are a few different ways that this level of interest in shorting SmartFinancial shares can be evaluated.

SmartFinancial's "short interest ratio" (SIR)

SmartFinancial's "short interest ratio" (SIR) is the quantity of SmartFinancial shares currently shorted divided by the average quantity of SmartFinancial shares traded daily (recently around 32112.403100775). SmartFinancial's SIR currently stands at 2.58. In other words for every 100,000 SmartFinancial shares traded daily on the market, roughly 2580 shares are currently held short.

However SmartFinancial's short interest can also be evaluated against the total number of SmartFinancial shares, or, against the total number of tradable SmartFinancial shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case SmartFinancial's short interest could be expressed as 0.01% of the outstanding shares (for every 100,000 SmartFinancial shares in existence, roughly 10 shares are currently held short) or 0.006% of the tradable shares (for every 100,000 tradable SmartFinancial shares, roughly 6 shares are currently held short).

Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against SmartFinancial.

Find out more about how you can short SmartFinancial stock.

SmartFinancial share dividends

Dividend payout ratio: 13.33% of net profits

Recently SmartFinancial has paid out, on average, around 13.33% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 1.1% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), SmartFinancial shareholders could enjoy a 1.1% return on their shares, in the form of dividend payments. In SmartFinancial's case, that would currently equate to about $0.2 per share.

While SmartFinancial's payout ratio might seem low, this can signify that SmartFinancial is investing more in its future growth.

SmartFinancial's most recent dividend payout was on 23 November 2020. The latest dividend was paid out to all shareholders who bought their shares by 6 November 2020 (the "ex-dividend date").

Have SmartFinancial's shares ever split?

SmartFinancial's shares were split on a 1:4 basis on 23 September 2015. So if you had owned 4 shares the day before before the split, the next day you'd have owned 1 share. This wouldn't directly have changed the overall worth of your SmartFinancial shares – just the quantity. However, indirectly, the new 300% higher share price could have impacted the market appetite for SmartFinancial shares which in turn could have impacted SmartFinancial's share price.

SmartFinancial share price volatility

Over the last 12 months, SmartFinancial's shares have ranged in value from as little as $10.9348 up to $23.6863. A popular way to gauge a stock's volatility is its "beta".

Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while SmartFinancial's is 0.6933. This would suggest that SmartFinancial's shares are less volatile than average (for this exchange).

SmartFinancial overview

SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers in Tennessee, Alabama, Florida, and Georgia. It accepts various deposit products, including interest bearing and non-interest bearing checking accounts, savings accounts, money market accounts, individual retirement accounts, and certificates of deposit. The company also provides commercial and consumer real estate loans, construction and land development, commercial and industrial, and consumer and other loans. In addition, it offers Internet and mobile banking services. As of March 31, 2020, the company operated through 35 full-service branches located in Tennessee, Alabama, and Florida; and 2 loan production offices and 2 service centers. SmartFinancial, Inc. is headquartered in Knoxville, Tennessee.

Frequently asked questions

• What percentage of SmartFinancial is owned by insiders or institutions?

  Currently 10.401% of SmartFinancial shares are held by insiders and 42.222% by institutions.

• How many people work for SmartFinancial?

  Latest data suggests 464 work at SmartFinancial.

• When does the fiscal year end for SmartFinancial?

  SmartFinancial's fiscal year ends in December.

• Where is SmartFinancial based?

  SmartFinancial's address is: 5401 Kingston Pike, Knoxville, TN, United States, 37919

• What is SmartFinancial's ISIN number?

  SmartFinancial's international securities identification number is: US83190L2088

• What is SmartFinancial's CUSIP number?

  SmartFinancial's Committee on Uniform Securities Identification Procedures number is: 218924108