SmartFinancial, Inc.

Stage 3 · Topping · week 1

As of Oct 22, 2026, SmartFinancial is in Stage 3, the topping phase, now in its first week (since Oct 21, 2026). It closed at $49.22, 7.5% below its 52-week high and above its 200-day average, which is rising.

SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers in the United States. More about the company

$49.22

+2.03% today

$842M · Small cap

Market Neutral — Building

Pro read

Pro

Our read

Topping: the uptrend is tiring

Setup score

—

Momentum

Steady

Edge

—

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Stage Cycle Timeline2023-08-16 → 2026-10-22

S2 30w

S2 18w

S2 44w

2023-08-162026-10-22

S1S2S3S4Setup score (0–10, dashed line at 5)

S1 7w → S4 10w → S1 2w → S2 9w → S3 2w → S4 10w → S1 5w → S2 30w → S3 8w → S2 2w → S3 3w → S4 6w → S1 4w → S2 18w → S3 5w → S2 44w → S3 1w current

Total tracked: 166 weeks across 17 stage runs.

SMBK among Banks - Regional86th of 319 by relative strength

All 319 →

Stocks in Banks - Regional ranked by relative strength, with stage and one-month change
#	Stock	Stage	RS	1M
1	OPHCOptimumBank Holdings, Inc.	Stage 2 · wk 38	96	−1.0%
2	MSBIMidland States Bancorp, Inc.	Stage 2 · wk 43	95	+1.8%
3	CMTVCommunity Bancorp.	Stage 2 · wk 72	94	+11.5%
4	VBNKVersaBank	Stage 2 · wk 25	94	−0.9%
5	AMALAmalgamated Financial Corp.	Stage 3 · wk 2	94	+8.1%
6	BOTJBank of the James Financial Group, Inc.	Stage 2 · wk 58	93	+9.0%
7	ATLOAmes National Corporation	Stage 2 · wk 68	92	+9.5%
8	RBKBRhinebeck Bancorp, Inc.	Stage 2 · wk 38	92	+0.9%
…86	SMBKSmartFinancial, Inc.	Stage 3 · wk 1	82	−1.4%

vs 52W High

-7.5%

$34.25 lo$53.23 hi

7.5% below 52W high, weakening from peak

The stock is rolling over from its 52-week high. In Stage 3 distribution, new long positions carry high risk.

Stage Maturity

Week 1

1w13w26w

Week 1, early distribution

How long this stock has been in Stage 3 distribution. Longer tops often precede deeper Stage 4 declines.

vs 200 DMA

10.0%

200 DMA: $44.74 · rising

Stock is losing its 200 DMA. Once lost, it confirms Stage 4 risk. This is a major red flag for existing holders.

Rel Volume

1.54x

vs 50-day avg

Volume spikes on down days during Stage 3 signal distribution, with institutions exiting. Stage analysis reads that as a warning against new long positions.

Trend Health

↓

Short-term trend rolling over

Two reads of momentum. The arrow shows the direction of the short-term trend: rising (↑ or ↗), flat (→) or rolling over (↓). The ⇈ mark appears when our trend model reads the move as gaining speed on top of the longer trend. Strongest when both agree.

-1.4%

+17.7%

YTD

+35.4%

+40.9%

Scan Membership

Breakout Watch

Latest: 2025-03-24

7 appearances in last 60 days. First seen: 2019-06-13.

A stock that keeps qualifying week after week does so because its Stage 2 structure keeps holding. Staying power in the scan says more about the trend than any single appearance.

Recent Stage Timeline

2026-10-22S3

Wk 1 · Vol 1.54x

2026-10-21S32→3

Wk 1 · Vol 1.48x

2026-10-20S2

Wk 43 · Vol 2.09x

2026-10-19S2

Wk 43 · Vol 0.86x

2026-10-16S2

Wk 42 · Vol 0.72x

2026-10-15S2

Wk 42 · Vol 0.55x

2026-10-14S2

Wk 42 · Vol 0.92x

2026-10-13S2

Wk 42 · Vol 0.68x

2026-10-12S2

Wk 42 · Vol 0.58x

2026-10-09S2

Wk 41 · Vol 0.74x

2026-10-08S2

Wk 41 · Vol 0.76x

2026-10-07S2

Wk 41 · Vol 1.03x

Moving averages & range

50 DMA

$50.82

200 DMA

$44.74

52W High

$53.23

52W Low

$34.25

5D Low

$48.24

Resistance levels (recent highs)

20d High

$51.25

60d High

$53.23

120d High

$53.23

250d High

$53.23

Next resistance

+4.1%

to 20d High

P/E (TTM)

13.4

Forward 11.8

Earnings Growth (YoY)

+35.8%

Revenue +11.8%

ROE

+11.1%

Profit margin +29.7%

Dividend Yield

0.70%

P/B 1.4

SmartFinancial: quick answers

What stage is SmartFinancial in?

As of Oct 22, 2026, SmartFinancial (SMBK) is in Stage 3, the topping phase. It entered Stage 3 on Oct 21, 2026 and is in its first week there. What the four stages mean

Is SmartFinancial in an uptrend?

Its uptrend has stalled. SmartFinancial is in Stage 3, the topping phase that follows an advance. It trades 10.0% above its 200-day average, which is rising.

How far is SmartFinancial from its 52-week high?

SmartFinancial closed at $49.22 on Oct 22, 2026, 7.5% below its 52-week high of $53.23. Its 52-week low is $34.25.

How has SmartFinancial performed over the past year?

As of Oct 22, 2026, SmartFinancial is up 40.9% over the past year and up 35.4% so far in 2026.

Which sector and industry is SmartFinancial in?

SmartFinancial is in the Banks - Regional industry, part of the Financials sector.

About this companyFinancials· Banks - Regional

SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers in the United States. The company offers various deposits, including noninterest-bearing and interest-bearing checking, savings, money market, and individual retirement accounts, as well as certificates of deposit. It also provides commercial and residential real estate, consumer real estate, construction and land development, commercial and industrial, and consumer and other loans, as well as leases to small and mid-size companies for equipment financing leases. In addition, the company offers wealth management, insurance, mortgage origination, and internet and mobile banking services. It operates in Tennessee, Alabama, and Florida. SmartFinancial, Inc. is based in Knoxville, Tennessee.

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All analytics based on EOD data. Data as of 2026-10-22. Past data patterns are not indicative of future results. This page is a data analytics tool only.