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SMBK
Volume: 121.77K
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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. has demonstrated robust growth, with deposits increasing by 14.7% and non-interest-bearing deposits rising by 10.8% on a last-quarter-annualized basis, highlighting a strong ability to attract client funds. The company's earnings per share (EPS) exceeded expectations, bolstered by impressive loan growth, which adjusted from 13% to 9% quarter-over-quarter, indicating effective lending strategies. Additionally, the net interest margin (NIM) improved by 8 basis points to 3.29%, reflecting higher loan yields, which positions the bank favorably in its revenue generation from interest income.

Bears say

SmartFinancial Inc. has reported a seasonal decline in deposits, dropping to 5% from 11% in the previous quarter, which has resulted in an increased loan-to-deposit (L/D) ratio of 85%. The bank's net interest margin (NIM) also experienced a decrease of 4 basis points to 3.25%, primarily due to rising deposit costs and borrowings, despite some mitigation from higher loan yields. These factors contribute to a cautious outlook as the bank faces pressure on its margins and overall funding stability, creating concerns regarding future profitability and growth.

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 12, 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: 121.77K

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