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SMBK
Volume: 36.95K

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. demonstrated notable growth in deposits, which increased by 14.7% on a last quarter annualized basis, along with non-interest-bearing demand deposits rising by 10.8%. The company reported a net interest margin (NIM) improvement of 8 basis points quarter-over-quarter to 3.29%, attributed to higher loan yields, enhancing overall profitability. Additionally, the strong loan growth at 9.5% on a last quarter annualized basis indicates robust demand and effective client relationship management, contributing to a positive financial outlook for the company.

Bears say

SmartFinancial Inc has demonstrated a troubling decline in deposits, which fell seasonally to 5%, leading to an increase in the loans-to-deposits (L/D) ratio to 85%. Additionally, the bank's net interest margin (NIM) has decreased by 4 basis points to 3.25% due to rising deposit costs and new subordinated debt, although there has been a slight improvement in loan yields. These factors contribute to an unfavorable financial outlook, indicating potential difficulties in sustaining profitability and managing funding costs effectively.

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 25, 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)

Volume: 36.95K

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