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SMBK
Volume: 1.07K
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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 commendable growth, with deposits rising 14.7% quarter-over-quarter and net interest-bearing deposits increasing by 10.8%. The company also reported a notable increase in earnings per share, supported by robust loan growth, which improved from 9% to 13% on a quarter-over-quarter basis. Furthermore, the net interest margin saw an increase of 8 basis points to 3.29%, reflecting stronger loan yields and a resilient regional economic environment bolstering client relationships.

Bears say

SmartFinancial Inc has experienced a decline in deposits, falling to 5% from 11% in the previous quarter, which has resulted in an increased loan-to-deposit (L/D) ratio of 85%. Additionally, the bank's net interest margin (NIM) decreased by 4 basis points to 3.25% due to rising deposit costs and borrowings, only partially offset by increased loan yields. These factors contribute to a cautious outlook, as the bank's financial stability appears threatened by reduced deposit levels and the pressure from increasing costs of funds.

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 5, 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: 1.07K

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