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SmartFinancial Inc. (SMBK) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$49.07 +1.09% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $49.07

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.

📊 Historical Track Record: Scores of 68/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.8% avg 90D alpha vs SPY) →

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

EXT / AFTER-HRS: $49.07 (+0.01%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 1.5% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 68/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.8% avg 90D alpha vs SPY • 56.9% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

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%

Deterministic 5-Pillar Attribution (68/100 Composite)

🔍 WHY SMBK SCORES 68/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (24% of score)

FRED Regime × Technicals: 75% of 52W Range • RSI-14 at 40.1 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning11/20 pts (-9 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-9 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B+$50.02+1.6% Next Q

Q2 (-2Q)

Grade B$50.84-3% Next Q

Q3 (-1Q)

Grade B$49.34-0.5% Next Q

Current

Grade C+$49.07+1.8% Hist 90D α

Trajectory: B+ (76) → C+ (68)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the SMBK Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 68/100 (C+) score, SMBK faces multiple-compression risk if 16.7x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($50.48) or 200D SMA ($45.17) invalidates the momentum regime and cuts Target Base ($51.28) toward Bear Floor ($40.00).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $SMBK• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “SMBK Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 68%NO 32%Trade / Inspect Odds →

SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

SMBK Smart-Money Thermometer: HEAVY INSIDER & 13F ACCUMULATION

Explore All 13F & Congress Whales →

▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (SMBK)

No recent open-market Form 4 cluster sales or emergency dumps flagged on SMBK. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

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

Scheduled RQD Strong Buys & Whale Accumulation Briefing (SMBK Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

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

🎬 No recent verified company-specific video clip queued for SMBK today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

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).

SMBK Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Are SMBK insiders and hedge funds buying or selling?

Roarable's SEC Form 4 and 13F Whale Thermometer currently classifies SMBK leadership and institutional positioning as: HEAVY INSIDER & 13F ACCUMULATION.

Direct Sub-Reports: SMBK RQD Cockpit SMBK 12M Forecast SMBK Earnings & Move SMBK Dividends & DRIP SMBK Insiders & 13F SMBK Whale Options SMBK Profit Sankey SMBK News & Why