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

$49.33 +1.77% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $49.39

SmartFinancial Inc. (SMBK) carries a Roarable Rating of C- (Hold) with 61/100 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 $828.8M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is SMBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, SmartFinancial Inc. (NYSE: SMBK) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 at a spot price of $49.33 (+1.77% 1D, market cap $828.8M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 8/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, SMBK ranks #366 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does SMBK compare to SPFI and ALRS in the Financials sector?
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Within the Financials sector (Major Banks), SMBK carries a Roarable C- (61/100 RQD), trailing P/E of 16.7x, gross margin of —, and ROIC of 9.1%. By comparison, SPFI (South Plains Financial Inc.) holds a C+ grade (69/100 RQD, P/E 14.2x, ROIC 11.8%, cap $829.1M) and ALRS (Alerus Financial Corporation) posts a C grade (63/100 RQD, P/E 47.2x, ROIC 3.1%, cap $826.8M). Among the 5-stock peer group, IBCP leads on earnings multiple (12.0x) while IBCP leads on capital efficiency (13.6% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for SMBK?
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Per SMBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001038773), SmartFinancial Inc. generated $2.46B in revenue (+11.1% YoY), $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.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $49.39 (+0.13%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 2.4% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 61/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.5% avg 90D alpha vs SPY • 53.9% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C-
025507510061
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 C
Cash (12)Whales (8)SEC (13)Macro (12)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+1.4% Base Target
$59 Bull$50 Base$39 Bear
📬 FREE SMBK RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for SMBK)Realized 20D OHLCV Swing Band: ±5.4%
Deterministic 5-Pillar Attribution (61/100 Composite)
🔍 WHY SMBK SCORES 61/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (26% of score)

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

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (21% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
69
Grade B-$50.22-0.2% Next Q
Q2 (-2Q)
66
Grade B-$50.12-2.6% Next Q
Q3 (-1Q)
64
Grade C+$48.81+1.1% Next Q
Current
61
Grade C-$49.33+0.5% Hist 90D α
Trajectory: B- (69) → C- (61)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 61/100 (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 ($50.39) or 200D SMA ($45.26) invalidates the momentum regime and cuts Target Base ($50.00) toward Bear Floor ($39.00).

🎲 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 61%NO 39%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
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SMBK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +19.47%▼ DESCENDING CHANNEL
2026-11-03O $49.07H $49.33L $48.47C $49.33VOL 77.2K
RES: $52.69SUP: $47.03SMA50: $50.39SMA200: $45.26
$55.29$50.53$45.78$41.03$36.27RES $52.69SUP $47.03$49.332026-05-042026-06-172026-08-042026-09-182026-11-03
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

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

Reverse-DCF Expectations Hurdle
9.5%/yr Implied 5Y Growth

vs. +11.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

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 #366 of 1097 ⚔️ SPFI vs SMBK Full Matrix →

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

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, SmartFinancial Inc. (SMBK) ranks #366 by composite RQD confidence (61/100, grade C-) and #588 by equity capitalization ($828.8M). 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. IBCP currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with SMBK at 61/100 (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- 61/100 16.7x — 9.1% +1.77% $828.8M Benchmark Subject
SPFI
South Plains Financial Inc.
C+ 69/100 14.2x — 11.8% +1.23% $829.1M /spfi-vs-smbk →
ALRS
Alerus Financial Corporation
C 63/100 47.2x — 3.1% +4.40% $826.8M /alrs-vs-smbk →
RCBC
River City Bank
C- 61/100 — — — +0.97% $823.4M /rcbc-vs-smbk →
IBCP
Independent Bank Corporation
B- 70/100 12.0x — 13.6% +2.13% $807.5M /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 $2.46B (+11.1% vs. FY2024 revenue of $2.22B , and +1531.0% cumulative change since FY2023) , 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 $2.46B $50.3M $61.7M $59.3M $5.86B —
FY2024 (FY) 2024-12-31 $2.22B $36.1M $52.7M $46.3M $5.28B —
FY2023 (FY) 2023-12-31 $150.9M $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 2026-11-03, SmartFinancial Inc. (NYSE: SMBK) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 at a spot price of $49.33 (+1.77% 1D, market cap $828.8M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 8/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, SMBK ranks #366 in composite RQD confidence.

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

Within the Financials sector (Major Banks), SMBK carries a Roarable C- (61/100 RQD), trailing P/E of 16.7x, gross margin of —, and ROIC of 9.1%. By comparison, SPFI (South Plains Financial Inc.) holds a C+ grade (69/100 RQD, P/E 14.2x, ROIC 11.8%, cap $829.1M) and ALRS (Alerus Financial Corporation) posts a C grade (63/100 RQD, P/E 47.2x, ROIC 3.1%, cap $826.8M). 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 $2.46B in revenue (+11.1% YoY), $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 $49.33 (+1.77% on volume of 99,678 shares), positioning the stock -2.10% below its 50-day simple moving average ($50.39) and +8.99% above its 200-day simple moving average ($45.26). Across its 52-week range of $34.23 to $54.14, SMBK sits at the 75.8% percentile with a 14-day RSI of 41.4 (NEUTRAL RANGE) and an implied next-earnings move of ±5.4% ($46.67 to $51.99).

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
ROARABLE RATING BRIEF • RQD 61/100 (C-) ✓ SEC XBRL & RQD VERIFIED

SMBK — SmartFinancial Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

SmartFinancial Inc. (SMBK) earns a live Roarable RQD composite score of 61/100, corresponding to a C- letter grade (Roarable Hold) at a spot price of $49.33 (+1.77% 1D, market capitalization $828.8M).

  • Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 9.1%, gross margin of —, operating margin of —, and free cash flow yield of 7.07%.
  • Whale 13F & Options Flow (8/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (12/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

SmartFinancial Inc. (SMBK) is a NYSE-listed issuer classified in the Financials sector and the Major Banks industry,. Its market capitalization is $0.8B .

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), SmartFinancial Inc. (SMBK) reported $2.46B in annual revenue (up from $2.22B in FY2024, +11.1% YoY) and $50.3M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($150.9M revenue, $28.6M net income) through FY2025, SMBK scaled operating cash flow to $61.7M and free cash flow to $59.3M, backed by $5.86B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C- • RQD 61/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 7.07% and institutional whale pillar of 8/20. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 8/20, sustained execution supports upside toward the upper end of the $34.23 – $54.14 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 16.7x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), SMBK carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can SMBK sustain or expand its — operating margin and 9.1% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $2.46B and free cash flow of $59.3M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is SMBK's 15.5x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

SMBK Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for SmartFinancial Inc. (SMBK) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to SMBK Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

SMBK Bull vs. Bear Conversation Board — What's Your Call at $49.33?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON SMBK 🐻 33% BEARISH CONVICTION
1. Pick Your Side on SMBK:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
BR BreakoutHunter RQD DEBATE OPENER • Swing & Catalyst Trader 🐂 BULLISH 🎯 Target: $62.04 (+28.0%)
📌 Pinned Debate

Insider-conviction pillar scores 16/20, the strongest in the RQD rating, with FCF rising from $39.7M to $59.3M over FY 2023–FY 2025.

Picked up a starter position in SMBK in my $100K Virtual Cash book at $48.47. Insider-conviction pillar scores 16/20, the strongest in the RQD rating, with FCF rising from $39.7M to $59.3M over FY 2023–FY 2025.. Trading inside a $34.23–$54.14 52-week range with 7.07% FCF yield gives solid downside support if Major Banks multiples expand this quarter.

VolSurface_Trader 🐂 BULL

Both sides have a point here — SMBK's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

FO ForensicBear RQD DEBATE OPENER • 10-K Footnote Auditor 🐻 BEARISH 🎯 Target: $39.75 (-18.0%)
Spot @ $48.47

Valuation & margin reality check on SMBK at $48.47 before chasing here

Valuation & margin reality check on SMBK at $48.47 before chasing here. Look at the math on SMBK: paying 16.7x trailing P/E for 9.1% ROIC and 0.0% operating margins leaves zero margin of safety if Major Banks demand softens. I'd wait for a retest of $42.65 before getting long.

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