SMBK
Price
$34.70
Change
-$0.10 (-0.29%)
Updated
Nov 19, 04:59 PM (EDT)
Capitalization
590.19M
67 days until earnings call
Intraday BUY SELL Signals
TOWN
Price
$32.30
Change
+$0.18 (+0.56%)
Updated
Nov 19, 04:59 PM (EDT)
Capitalization
2.55B
63 days until earnings call
Intraday BUY SELL Signals
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SMBK vs TOWN

Header iconSMBK vs TOWN Comparison
Open Charts SMBK vs TOWNBanner chart's image
SmartFinancial
Price$34.70
Change-$0.10 (-0.29%)
Volume$416
Capitalization590.19M
TowneBank
Price$32.30
Change+$0.18 (+0.56%)
Volume$5.54K
Capitalization2.55B
SMBK vs TOWN Comparison Chart in %
SMBK
Daily Signal:
Gain/Loss:
TOWN
Daily Signal:
Gain/Loss:
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VS
SMBK vs. TOWN commentary
Nov 20, 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 Hold and TOWN is a Hold.

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COMPARISON
Comparison
Nov 20, 2025
Stock price -- (SMBK: $34.81 vs. TOWN: $32.30)
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: 84% vs. TOWN: 74%
Market capitalization -- SMBK: $590.19M vs. TOWN: $2.55B
SMBK [@Regional Banks] is valued at $590.19M. TOWN’s [@Regional Banks] market capitalization is $2.55B. The market cap for tickers in the [@Regional Banks] industry ranges from $172.58B to $0. The average market capitalization across the [@Regional Banks] industry is $8.01B.

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 1 FA rating(s) are green whileTOWN’s FA Score has 2 green FA rating(s).

  • SMBK’s FA Score: 1 green, 4 red.
  • TOWN’s FA Score: 2 green, 3 red.
According to our system of comparison, both SMBK and TOWN are a good buy in the long-term.

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 3 TA indicator(s) are bullish while TOWN’s TA Score has 2 bullish TA indicator(s).

  • SMBK’s TA Score: 3 bullish, 5 bearish.
  • TOWN’s TA Score: 2 bullish, 6 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 -3.17% price change this week, while TOWN (@Regional Banks) price change was -3.26% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.96%. For the same industry, the average monthly price growth was +1.62%, and the average quarterly price growth was +11.33%.

Reported Earning Dates

SMBK is expected to report earnings on Jan 26, 2026.

TOWN is expected to report earnings on Jan 22, 2026.

Industries' Descriptions

@Regional Banks (-0.96% 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($2.55B) has a higher market cap than SMBK($590M). TOWN has higher P/E ratio than SMBK: TOWN (14.48) vs SMBK (12.65). SMBK YTD gains are higher at: 12.954 vs. TOWN (-2.983). TOWN has more cash in the bank: 149M vs. SMBK (71.5M). SMBK has less debt than TOWN: SMBK (43.7M) vs TOWN (273M). TOWN has higher revenues than SMBK: TOWN (750M) vs SMBK (190M).
SMBKTOWNSMBK / TOWN
Capitalization590M2.55B23%
EBITDAN/AN/A-
Gain YTD12.954-2.983-434%
P/E Ratio12.6514.4887%
Revenue190M750M25%
Total Cash71.5M149M48%
Total Debt43.7M273M16%
FUNDAMENTALS RATINGS
SMBK vs TOWN: Fundamental Ratings
SMBK
TOWN
OUTLOOK RATING
1..100
2118
VALUATION
overvalued / fair valued / undervalued
1..100
62
Fair valued
54
Fair valued
PROFIT vs RISK RATING
1..100
2131
SMR RATING
1..100
3617
PRICE GROWTH RATING
1..100
5474
P/E GROWTH RATING
1..100
8165
SEASONALITY SCORE
1..100
5050

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.

TOWN's Valuation (54) in the Regional Banks industry is in the same range as SMBK (62). This means that TOWN’s stock grew similarly to SMBK’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 (31). This means that SMBK’s stock grew similarly to TOWN’s over the last 12 months.

TOWN's SMR Rating (17) in the Regional Banks industry is in the same range as SMBK (36). This means that TOWN’s stock grew similarly to SMBK’s over the last 12 months.

SMBK's Price Growth Rating (54) in the Regional Banks industry is in the same range as TOWN (74). This means that SMBK’s stock grew similarly to TOWN’s over the last 12 months.

TOWN's P/E Growth Rating (65) 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 (%)
N/A
N/A
Stochastic
ODDS (%)
Bullish Trend 2 days ago
62%
Bearish Trend 2 days ago
72%
Momentum
ODDS (%)
Bearish Trend 2 days ago
55%
Bearish Trend 2 days ago
60%
MACD
ODDS (%)
Bearish Trend 2 days ago
57%
Bearish Trend 2 days ago
67%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
60%
Bearish Trend 2 days ago
61%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
62%
Bearish Trend 2 days ago
58%
Advances
ODDS (%)
Bullish Trend 9 days ago
62%
Bullish Trend 8 days ago
57%
Declines
ODDS (%)
Bearish Trend 7 days ago
60%
Bearish Trend 22 days ago
55%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
63%
Bullish Trend 2 days ago
75%
Aroon
ODDS (%)
Bullish Trend 2 days ago
55%
Bearish Trend 2 days ago
63%
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SMBK
Daily Signal:
Gain/Loss:
TOWN
Daily Signal:
Gain/Loss:
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SMBK and

Correlation & Price change

A.I.dvisor indicates that over the last year, SMBK has been closely correlated with MBWM. These tickers have moved in lockstep 82% of the time. This A.I.-generated data suggests there is a high statistical probability that if SMBK jumps, then MBWM could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To SMBK
1D Price
Change %
SMBK100%
-0.43%
MBWM - SMBK
82%
Closely correlated
+0.73%
PEBO - SMBK
81%
Closely correlated
+0.57%
SSB - SMBK
79%
Closely correlated
+1.09%
TOWN - SMBK
78%
Closely correlated
+0.56%
IBCP - SMBK
78%
Closely correlated
+0.90%
More