SMBK (SmartFinancial) Moat Score: 4/10 (As of Aug. 21, 2026)

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SMBK SmartFinancial Inc SMBK
68 GF Score
Price $50.59
GF Value $40.44
Valuation Modestly Overvalued
! 5 Warning Signs
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What is SmartFinancial Moat Score?

SmartFinancial SMBK -0.71% 68 Moat Score is 4 as of Aug. 21, 2026. GuruFocus rates SMBK with a GF Score™ of 68/100 and a GF Value™ of $40.44 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,607 Banks companies, SmartFinancial ranks better than 86.25% on this metric.

SmartFinancial has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

SmartFinancial has Narrow Moat: SmartFinancial Inc has a modest moat due to its regional banking presence and customer relationships. The banking industry is competitive, but the company benefits from some cost advantages and regulatory barriers, resulting in a discernible but modest moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes SmartFinancial might have Narrow Moat - Discernible but modest moat.

SmartFinancial  (NYSE:SMBK) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

SmartFinancial Moat Score Related Terms

SMBK vs SMBC, GSBC, EGBN: Moat Score Comparison

For the Banks - Regional subindustry, SmartFinancial's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

SmartFinancial Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, SmartFinancial's Moat Score distribution charts can be found below:

* The bar in red indicates where SmartFinancial's Moat Score falls into.


SMBK
68GF Score
SmartFinancial Inc SMBK
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
SmartFinancial (SMBK) has a Moat Score of 4 as of Aug. 21, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, SmartFinancial ranks #221 out of 1607 companies in the Banks industry, placing it in the top 13.8%.
Is SmartFinancial's Moat Score too high?
SmartFinancial's current Moat Score is 4. Based on the distribution chart, SmartFinancial ranks #221 out of 1607 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, SmartFinancial has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SmartFinancial's Moat Score compare to SMBC and GSBC?
According to the Banks industry distribution chart, SmartFinancial ranks #221 out of 1607 companies for Moat Score. This places SmartFinancial in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. SmartFinancial's current Moat Score is 4. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SmartFinancial stock overvalued right now?
Based on GuruFocus' analysis, SmartFinancial (SMBK) is currently considered Modestly Overvalued. The stock's GF Value™ is $40.44, compared to a current price of $50.59 — trading 25.1% above its estimated fair value. The current Moat Score is 4. SmartFinancial's overall GF Score™ is 68/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For SmartFinancial (SMBK), the current Moat Score is 4 as of Aug. 21, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is SmartFinancial (SMBK) Overvalued in 2026?

Based on GuruFocus' analysis, SmartFinancial stock appears to be overvalued. The current stock price of $50.59 is trading 25.1% above its estimated GF Value™ of $40.44. GuruFocus considers SmartFinancial to be Modestly Overvalued.

Key valuation signals for SMBK:

  • Moat Score: 4
  • GF Value™: $40.44 vs. price of $50.59 (25.1% above fair value)
  • GF Score™: 68/100 with 5 warning signs

No single metric tells the full story. See the SMBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

SmartFinancial Business Description

Address 5401 Kingston Pike, Suite 600, Knoxville, TN, USA, 37919
SmartFinancial Inc operates as a bank holding company for SmartBank. It offers various banking and financial services to individuals and corporate customers. The principal business of the Bank consists of attracting deposits from the general public and investing those funds, together with funds generated from operations and from principal and interest payments on loans, mainly in commercial loans, commercial and residential real estate loans, consumer loans, and residential and commercial construction loans. The primary source of revenue is interest income from earning assets, namely loans and securities.
68GF Score

Get the complete analysis for SMBK

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$50.59
Price
$40.44
GF Value