SMBK (SmartFinancial) ROC (Joel Greenblatt) %: % (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

SMBK SmartFinancial Inc SMBK
68 GF Score
Price $50.64
GF Value $40.44
Valuation Modestly Overvalued
! 5 Warning Signs
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What is SmartFinancial ROC (Joel Greenblatt) %?

SmartFinancial SMBK -0.61% 68 ROC (Joel Greenblatt) % is % as of Jun. 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 47 Banks companies, SmartFinancial ranks worse than 2127657.45% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

SMBK
68GF Score
SmartFinancial Inc SMBK
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
SmartFinancial (SMBK) has a ROC (Joel Greenblatt) % of % as of Jun. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on SmartFinancial and its competitors. According to the industry distribution chart, SmartFinancial ranks #999999 out of 47 companies in the Banks industry.
Is SmartFinancial's ROC (Joel Greenblatt) % too high?
SmartFinancial's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, SmartFinancial ranks #999999 out of 47 companies in the Banks industry, which is in the bottom quartile 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 ROC (Joel Greenblatt) % compare to SMBC and GSBC?
According to the Banks industry distribution chart, SmartFinancial ranks #999999 out of 47 companies for ROC (Joel Greenblatt) %. This places SmartFinancial in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 50.71. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 50.71, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on SmartFinancial and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 50.71 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SmartFinancial's current ROC (Joel Greenblatt) % is %. 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 $50.64 — trading 25.2% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For SmartFinancial (SMBK), the current ROC (Joel Greenblatt) % is % as of Jun. 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 $50.64 is trading 25.2% above its estimated GF Value™ of $40.44. GuruFocus considers SmartFinancial to be Modestly Overvalued.

Key valuation signals for SMBK:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $40.44 vs. price of $50.64 (25.2% 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

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$50.64
Price
$40.44
GF Value