SMBK
Price
$33.26
Change
-$1.00 (-2.92%)
Updated
Aug 1 closing price
Capitalization
347.08M
86 days until earnings call
TOWN
Price
$34.49
Change
-$0.54 (-1.54%)
Updated
Aug 1 closing price
Capitalization
2.06B
82 days until earnings call
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SMBK vs TOWN

Header iconSMBK vs TOWN Comparison
Open Charts SMBK vs TOWNBanner chart's image
SmartFinancial
Price$33.26
Change-$1.00 (-2.92%)
Volume$61.07K
Capitalization347.08M
TowneBank
Price$34.49
Change-$0.54 (-1.54%)
Volume$256.4K
Capitalization2.06B
SMBK vs TOWN Comparison Chart in %
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SMBK
Daily Signalchanged days ago
Gain/Loss if bought
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TOWN
Daily Signalchanged days ago
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SMBK vs. TOWN commentary
Aug 02, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is SMBK is a Buy and TOWN is a Hold.

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COMPARISON
Comparison
Aug 02, 2025
Stock price -- (SMBK: $33.26 vs. TOWN: $34.49)
Brand notoriety: SMBK and TOWN are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: SMBK: 95% vs. TOWN: 99%
Market capitalization -- SMBK: $347.08M vs. TOWN: $2.06B
SMBK [@Regional Banks] is valued at $347.08M. TOWN’s [@Regional Banks] market capitalization is $2.06B. The market cap for tickers in the [@Regional Banks] industry ranges from $133.96B to $0. The average market capitalization across the [@Regional Banks] industry is $6.06B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

SMBK’s FA Score shows that 2 FA rating(s) are green whileTOWN’s FA Score has 2 green FA rating(s).

  • SMBK’s FA Score: 2 green, 3 red.
  • TOWN’s FA Score: 2 green, 3 red.
According to our system of comparison, SMBK is a better buy in the long-term than TOWN.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

SMBK’s TA Score shows that 5 TA indicator(s) are bullish while TOWN’s TA Score has 4 bullish TA indicator(s).

  • SMBK’s TA Score: 5 bullish, 4 bearish.
  • TOWN’s TA Score: 4 bullish, 5 bearish.
According to our system of comparison, SMBK is a better buy in the short-term than TOWN.

Price Growth

SMBK (@Regional Banks) experienced а -6.26% price change this week, while TOWN (@Regional Banks) price change was -3.15% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -1.81%. For the same industry, the average monthly price growth was -0.38%, and the average quarterly price growth was +7.26%.

Reported Earning Dates

SMBK is expected to report earnings on Oct 27, 2025.

TOWN is expected to report earnings on Oct 23, 2025.

Industries' Descriptions

@Regional Banks (-1.81% weekly)

Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
TOWN($2.06B) has a higher market cap than SMBK($347M). TOWN has higher P/E ratio than SMBK: TOWN (13.37) vs SMBK (12.09). SMBK YTD gains are higher at: 7.888 vs. TOWN (2.809). TOWN has more cash in the bank: 83.9M vs. SMBK (63M). SMBK has less debt than TOWN: SMBK (50.1M) vs TOWN (460M). TOWN has higher revenues than SMBK: TOWN (695M) vs SMBK (152M).
SMBKTOWNSMBK / TOWN
Capitalization347M2.06B17%
EBITDAN/AN/A-
Gain YTD7.8882.809281%
P/E Ratio12.0913.3790%
Revenue152M695M22%
Total Cash63M83.9M75%
Total Debt50.1M460M11%
FUNDAMENTALS RATINGS
SMBK vs TOWN: Fundamental Ratings
SMBK
TOWN
OUTLOOK RATING
1..100
7377
VALUATION
overvalued / fair valued / undervalued
1..100
64
Fair valued
67
Overvalued
PROFIT vs RISK RATING
1..100
2122
SMR RATING
1..100
2713
PRICE GROWTH RATING
1..100
5053
P/E GROWTH RATING
1..100
8163
SEASONALITY SCORE
1..100
n/an/a

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

SMBK's Valuation (64) in the Regional Banks industry is in the same range as TOWN (67). This means that SMBK’s stock grew similarly to TOWN’s over the last 12 months.

SMBK's Profit vs Risk Rating (21) in the Regional Banks industry is in the same range as TOWN (22). This means that SMBK’s stock grew similarly to TOWN’s over the last 12 months.

TOWN's SMR Rating (13) in the Regional Banks industry is in the same range as SMBK (27). This means that TOWN’s stock grew similarly to SMBK’s over the last 12 months.

SMBK's Price Growth Rating (50) in the Regional Banks industry is in the same range as TOWN (53). This means that SMBK’s stock grew similarly to TOWN’s over the last 12 months.

TOWN's P/E Growth Rating (63) in the Regional Banks industry is in the same range as SMBK (81). This means that TOWN’s stock grew similarly to SMBK’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
SMBKTOWN
RSI
ODDS (%)
Bearish Trend 3 days ago
53%
Bearish Trend 3 days ago
71%
Stochastic
ODDS (%)
Bullish Trend 3 days ago
72%
Bullish Trend 3 days ago
65%
Momentum
ODDS (%)
Bearish Trend 3 days ago
47%
Bearish Trend 3 days ago
59%
MACD
ODDS (%)
Bearish Trend 3 days ago
48%
Bearish Trend 3 days ago
65%
TrendWeek
ODDS (%)
Bearish Trend 3 days ago
59%
Bearish Trend 3 days ago
60%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
67%
Bullish Trend 3 days ago
59%
Advances
ODDS (%)
Bullish Trend 16 days ago
63%
Bullish Trend 10 days ago
59%
Declines
ODDS (%)
Bearish Trend 3 days ago
60%
Bearish Trend 3 days ago
55%
BollingerBands
ODDS (%)
Bullish Trend 3 days ago
62%
Bearish Trend 3 days ago
65%
Aroon
ODDS (%)
Bullish Trend 3 days ago
61%
Bullish Trend 3 days ago
54%
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SMBK
Daily Signalchanged days ago
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TOWN
Daily Signalchanged days ago
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