IBCP
Price
$33.53
Change
-$0.09 (-0.27%)
Updated
Dec 24 closing price
Capitalization
693.8M
27 days until earnings call
Intraday BUY SELL Signals
SMBK
Price
$37.97
Change
-$0.32 (-0.84%)
Updated
Dec 24 closing price
Capitalization
646.55M
31 days until earnings call
Intraday BUY SELL Signals
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IBCP vs SMBK

Header iconIBCP vs SMBK Comparison
Open Charts IBCP vs SMBKBanner chart's image
Independent Bank
Price$33.53
Change-$0.09 (-0.27%)
Volume$36.26K
Capitalization693.8M
SmartFinancial
Price$37.97
Change-$0.32 (-0.84%)
Volume$36.95K
Capitalization646.55M
IBCP vs SMBK Comparison Chart in %
IBCP
Daily Signal:
Gain/Loss:
SMBK
Daily Signal:
Gain/Loss:
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IBCP vs. SMBK commentary
Dec 26, 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 IBCP is a StrongBuy and SMBK is a Buy.

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COMPARISON
Comparison
Dec 26, 2025
Stock price -- (IBCP: $33.53 vs. SMBK: $37.97)
Brand notoriety: IBCP and SMBK are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: IBCP: 27% vs. SMBK: 46%
Market capitalization -- IBCP: $693.8M vs. SMBK: $646.55M
IBCP [@Regional Banks] is valued at $693.8M. SMBK’s [@Regional Banks] market capitalization is $646.55M. The market cap for tickers in the [@Regional Banks] industry ranges from $171.46B to $0. The average market capitalization across the [@Regional Banks] industry is $8.65B.

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).

IBCP’s FA Score shows that 3 FA rating(s) are green whileSMBK’s FA Score has 1 green FA rating(s).

  • IBCP’s FA Score: 3 green, 2 red.
  • SMBK’s FA Score: 1 green, 4 red.
According to our system of comparison, both IBCP and SMBK 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.

IBCP’s TA Score shows that 6 TA indicator(s) are bullish while SMBK’s TA Score has 4 bullish TA indicator(s).

  • IBCP’s TA Score: 6 bullish, 5 bearish.
  • SMBK’s TA Score: 4 bullish, 6 bearish.
According to our system of comparison, IBCP is a better buy in the short-term than SMBK.

Price Growth

IBCP (@Regional Banks) experienced а -4.34% price change this week, while SMBK (@Regional Banks) price change was -3.53% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.01%. For the same industry, the average monthly price growth was +5.44%, and the average quarterly price growth was +15.56%.

Reported Earning Dates

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

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

Industries' Descriptions

@Regional Banks (+0.01% 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
IBCP($694M) has a higher market cap than SMBK($647M). SMBK has higher P/E ratio than IBCP: SMBK (13.86) vs IBCP (10.32). SMBK YTD gains are higher at: 23.466 vs. IBCP (-0.518). IBCP has more cash in the bank: 74.4M vs. SMBK (58.3M). IBCP has less debt than SMBK: IBCP (41.9M) vs SMBK (139M). IBCP has higher revenues than SMBK: IBCP (222M) vs SMBK (190M).
IBCPSMBKIBCP / SMBK
Capitalization694M647M107%
EBITDAN/AN/A-
Gain YTD-0.51823.466-2%
P/E Ratio10.3213.8674%
Revenue222M190M117%
Total Cash74.4M58.3M128%
Total Debt41.9M139M30%
FUNDAMENTALS RATINGS
IBCP vs SMBK: Fundamental Ratings
IBCP
SMBK
OUTLOOK RATING
1..100
7039
VALUATION
overvalued / fair valued / undervalued
1..100
33
Fair valued
62
Fair valued
PROFIT vs RISK RATING
1..100
2623
SMR RATING
1..100
2736
PRICE GROWTH RATING
1..100
5148
P/E GROWTH RATING
1..100
6869
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.

IBCP's Valuation (33) in the Regional Banks industry is in the same range as SMBK (62). This means that IBCP’s stock grew similarly to SMBK’s over the last 12 months.

SMBK's Profit vs Risk Rating (23) in the Regional Banks industry is in the same range as IBCP (26). This means that SMBK’s stock grew similarly to IBCP’s over the last 12 months.

IBCP's SMR Rating (27) in the Regional Banks industry is in the same range as SMBK (36). This means that IBCP’s stock grew similarly to SMBK’s over the last 12 months.

SMBK's Price Growth Rating (48) in the Regional Banks industry is in the same range as IBCP (51). This means that SMBK’s stock grew similarly to IBCP’s over the last 12 months.

IBCP's P/E Growth Rating (68) in the Regional Banks industry is in the same range as SMBK (69). This means that IBCP’s stock grew similarly to SMBK’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
IBCPSMBK
RSI
ODDS (%)
Bearish Trend 3 days ago
72%
Bearish Trend 3 days ago
66%
Stochastic
ODDS (%)
Bullish Trend 3 days ago
68%
Bearish Trend 3 days ago
51%
Momentum
ODDS (%)
Bearish Trend 3 days ago
71%
Bearish Trend 3 days ago
53%
MACD
ODDS (%)
Bearish Trend 3 days ago
65%
Bearish Trend 3 days ago
52%
TrendWeek
ODDS (%)
Bearish Trend 3 days ago
66%
Bearish Trend 3 days ago
60%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
58%
Bullish Trend 3 days ago
61%
Advances
ODDS (%)
Bullish Trend 16 days ago
59%
Bullish Trend 9 days ago
62%
Declines
ODDS (%)
Bearish Trend 3 days ago
65%
Bearish Trend 3 days ago
60%
BollingerBands
ODDS (%)
Bearish Trend 3 days ago
64%
Bearish Trend 3 days ago
61%
Aroon
ODDS (%)
Bullish Trend 3 days ago
46%
Bullish Trend 3 days ago
56%
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IBCP
Daily Signal:
Gain/Loss:
SMBK
Daily Signal:
Gain/Loss:
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IBCP and

Correlation & Price change

A.I.dvisor indicates that over the last year, IBCP has been closely correlated with UVSP. These tickers have moved in lockstep 86% of the time. This A.I.-generated data suggests there is a high statistical probability that if IBCP jumps, then UVSP could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To IBCP
1D Price
Change %
IBCP100%
-0.27%
UVSP - IBCP
86%
Closely correlated
+0.09%
BY - IBCP
85%
Closely correlated
+0.20%
BUSE - IBCP
85%
Closely correlated
+0.16%
CTBI - IBCP
85%
Closely correlated
+0.10%
FMBH - IBCP
84%
Closely correlated
-0.72%
More

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 81% 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%
-0.84%
MBWM - SMBK
81%
Closely correlated
-0.24%
PEBO - SMBK
81%
Closely correlated
-0.26%
TOWN - SMBK
79%
Closely correlated
-0.61%
CCNE - SMBK
78%
Closely correlated
-0.04%
IBCP - SMBK
78%
Closely correlated
-0.27%
More