Stock Ratings / Financials / SMBK / financials

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SmartFinancial Inc. (SMBK) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$49.07 +1.09% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)

SmartFinancial Inc. (SMBK) carries a Roarable Rating of C+ (Hold) with 68/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $839.0M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+4.5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for SMBK)Realized 20D OHLCV Swing Band: ±5.5%

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How SMBK Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$59.3M (1.5% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $4.00B

FY24

Rev $4.00B

FY25

Rev $4.00B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$4.00B	52%	0%	$50.3M	$59.3M	9.1%
FY 2024	$4.00B	52%	0%	$36.1M	$46.3M	9.1%
FY 2023	$4.00B	52%	0%	$28.6M	$39.7M	9.1%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring SMBK)

✓Walkthrough of SMBK's RQD Radar, SEC cash-conversion gap & downside invalidation levels
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SMBK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +17.00%▼ DESCENDING CHANNEL

2026-10-30O $49.16H $49.16L $48.25C $49.07VOL 77.2K

RES: $52.73SUP: $47.14SMA50: $50.48SMA200: $45.17

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

SMBK Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 SMBK Butterfly Map → + Track SMBK →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

9.5%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on SMBK today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for SMBK. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

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DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (SMBK)

Financials Rank #228 of 1096 ⚔️ RCBC vs SMBK Full Matrix →

1. Head-to-Head Financials Peer Comparison (SMBK vs. RCBC, SPFI, ALRS, IBCP)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, SmartFinancial Inc. (SMBK) ranks #228 by composite RQD confidence (68/100, grade C+) and #588 by equity capitalization ($839.0M). Within this direct 5-issuer industry benchmark cohort, IBCP leads on earnings valuation at 12.0x trailing P/E, while IBCP leads on capital efficiency and profitability with 13.6% ROIC and — gross margin. SPFI currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with SMBK at 68/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
SMBK ACTIVE SmartFinancial Inc.	C+	68/100	16.7x	—	9.1%	+1.09%	$839.0M	Benchmark Subject
RCBC River City Bank	D+	57/100	—	—	—	-0.30%	$834.2M	/rcbc-vs-smbk →
SPFI South Plains Financial Inc.	B-	71/100	14.2x	—	11.8%	+1.05%	$832.5M	/spfi-vs-smbk →
ALRS Alerus Financial Corporation	C+	66/100	47.2x	—	3.1%	+2.36%	$823.4M	/alrs-vs-smbk →
IBCP Independent Bank Corporation	C+	66/100	12.0x	—	13.6%	+0.49%	$819.2M	/ibcp-vs-smbk →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001038773

In its most recent audited fiscal period (FY2025, filed 2025-12-31), SmartFinancial Inc. (SMBK) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $50.3M, operating cash flow of $61.7M, and free cash flow of $59.3M (+28.2% YoY). On the balance sheet, SMBK closed FY2025 with $5.86B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$50.3M	$61.7M	$59.3M	$5.86B	—
FY2024 (FY)	2024-12-31	$0	$36.1M	$52.7M	$46.3M	$5.28B	—
FY2023 (FY)	2023-12-31	$0	$28.6M	$39.7M	$39.7M	—	—

3. SMBK Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is SMBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, SmartFinancial Inc. (NYSE: SMBK) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $49.07 (+1.09% 1D, market cap $839.0M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, SMBK ranks #228 in composite RQD confidence.

How does SMBK compare to RCBC and SPFI in the Financials sector?

Within the Financials sector (Major Banks), SMBK carries a Roarable C+ (68/100 RQD), trailing P/E of 16.7x, gross margin of —, and ROIC of 9.1%. By comparison, RCBC (River City Bank) holds a D+ grade (57/100 RQD, P/E N/A, ROIC —, cap $834.2M) and SPFI (South Plains Financial Inc.) posts a B- grade (71/100 RQD, P/E 14.2x, ROIC 11.8%, cap $832.5M). Among the 5-stock peer group, IBCP leads on earnings multiple (12.0x) while IBCP leads on capital efficiency (13.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for SMBK?

Per SMBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001038773), SmartFinancial Inc. generated $0 in revenue, $50.3M in net income, and $59.3M in free cash flow against $5.86B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is SMBK trading relative to its 50-day, 200-day, and 52-week technical levels?

SMBK last traded at $49.07 (+1.09% on volume of 71,233 shares), positioning the stock -2.79% below its 50-day simple moving average ($50.48) and +8.63% above its 200-day simple moving average ($45.17). Across its 52-week range of $34.23 to $54.14, SMBK sits at the 74.5% percentile with a 14-day RSI of 40.1 (NEUTRAL RANGE) and an implied next-earnings move of ±5.5% ($46.37 to $51.77).