SMBK
Price
$37.34
Change
+$0.78 (+2.13%)
Updated
Dec 3, 04:59 PM (EDT)
Capitalization
622.2M
53 days until earnings call
Intraday BUY SELL Signals
TOWN
Price
$34.02
Change
+$0.37 (+1.10%)
Updated
Dec 3, 04:59 PM (EDT)
Capitalization
2.68B
49 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$37.34
Change+$0.78 (+2.13%)
Volume$1.26K
Capitalization622.2M
TowneBank
Price$34.02
Change+$0.37 (+1.10%)
Volume$5.47K
Capitalization2.68B
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
Dec 04, 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 StrongBuy and TOWN is a Hold.

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COMPARISON
Comparison
Dec 04, 2025
Stock price -- (SMBK: $36.51 vs. TOWN: $33.65)
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: 23% vs. TOWN: 36%
Market capitalization -- SMBK: $622.2M vs. TOWN: $2.68B
SMBK [@Regional Banks] is valued at $622.2M. TOWN’s [@Regional Banks] market capitalization is $2.68B. The market cap for tickers in the [@Regional Banks] industry ranges from $172.49B to $0. The average market capitalization across the [@Regional Banks] industry is $8.26B.

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, TOWN is a better buy in the long-term than SMBK.

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 6 TA indicator(s) are bullish while TOWN’s TA Score has 5 bullish TA indicator(s).

  • SMBK’s TA Score: 6 bullish, 2 bearish.
  • TOWN’s TA Score: 5 bullish, 4 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 +0.03% price change this week, while TOWN (@Regional Banks) price change was -0.44% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.92%. For the same industry, the average monthly price growth was +4.06%, and the average quarterly price growth was +13.89%.

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 (+0.92% 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($2.68B) has a higher market cap than SMBK($622M). TOWN has higher P/E ratio than SMBK: TOWN (15.21) vs SMBK (13.34). SMBK YTD gains are higher at: 18.718 vs. TOWN (1.072). TOWN has more cash in the bank: 149M vs. SMBK (58.3M). SMBK has less debt than TOWN: SMBK (43.7M) vs TOWN (273M). TOWN has higher revenues than SMBK: TOWN (750M) vs SMBK (187M).
SMBKTOWNSMBK / TOWN
Capitalization622M2.68B23%
EBITDAN/AN/A-
Gain YTD18.7181.0721,747%
P/E Ratio13.3415.2188%
Revenue187M750M25%
Total Cash58.3M149M39%
Total Debt43.7M273M16%
FUNDAMENTALS RATINGS
SMBK vs TOWN: Fundamental Ratings
SMBK
TOWN
OUTLOOK RATING
1..100
5050
VALUATION
overvalued / fair valued / undervalued
1..100
61
Fair valued
55
Fair valued
PROFIT vs RISK RATING
1..100
2229
SMR RATING
1..100
3717
PRICE GROWTH RATING
1..100
5159
P/E GROWTH RATING
1..100
7965
SEASONALITY SCORE
1..100
n/a50

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 (55) in the Regional Banks industry is in the same range as SMBK (61). This means that TOWN’s stock grew similarly to SMBK’s over the last 12 months.

SMBK's Profit vs Risk Rating (22) in the Regional Banks industry is in the same range as TOWN (29). 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 (37). This means that TOWN’s stock grew similarly to SMBK’s over the last 12 months.

SMBK's Price Growth Rating (51) in the Regional Banks industry is in the same range as TOWN (59). 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 (79). 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 (%)
Bearish Trend 6 days ago
52%
Bearish Trend 6 days ago
63%
Momentum
ODDS (%)
Bullish Trend 6 days ago
64%
Bullish Trend 6 days ago
58%
MACD
ODDS (%)
Bullish Trend 6 days ago
63%
Bullish Trend 6 days ago
54%
TrendWeek
ODDS (%)
Bullish Trend 6 days ago
61%
Bullish Trend 6 days ago
58%
TrendMonth
ODDS (%)
Bullish Trend 6 days ago
62%
Bullish Trend 6 days ago
54%
Advances
ODDS (%)
Bullish Trend 8 days ago
62%
Bullish Trend 13 days ago
56%
Declines
ODDS (%)
Bearish Trend 14 days ago
60%
Bearish Trend 6 days ago
56%
BollingerBands
ODDS (%)
N/A
Bullish Trend 6 days ago
57%
Aroon
ODDS (%)
Bullish Trend 6 days ago
60%
Bearish Trend 6 days ago
62%
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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 PEBO. 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 PEBO could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To SMBK
1D Price
Change %
SMBK100%
-0.08%
PEBO - SMBK
82%
Closely correlated
-0.20%
MBWM - SMBK
82%
Closely correlated
-0.11%
TOWN - SMBK
79%
Closely correlated
-0.77%
CCNE - SMBK
79%
Closely correlated
-0.11%
IBCP - SMBK
79%
Closely correlated
-0.90%
More

TOWN and

Correlation & Price change

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

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To TOWN
1D Price
Change %
TOWN100%
-0.77%
UBSI - TOWN
86%
Closely correlated
-0.34%
TRMK - TOWN
85%
Closely correlated
-0.67%
FMBH - TOWN
84%
Closely correlated
+0.34%
UCB - TOWN
84%
Closely correlated
-0.81%
PEBO - TOWN
84%
Closely correlated
-0.20%
More