Is RF or SMBK more undervalued in 2026?

CirclFi compares Regions Financial Corporation (RF) and SmartFinancial, Inc. (SMBK) using 13 institutional-grade valuation models. RF has a Quality of Company score of 8.6/10 while SMBK scores 8.2/10.

Which is a better buy — RF or SMBK?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do RF and SMBK valuations compare?

RF at $28.00 and SMBK at $41.70 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

RF vs SMBK Valuation Comparison 2026 — Intrinsic Value Analysis

RF

National Commercial Banks

Regions Financial Corporation

Quality

8.6

out of 10

Value Trap

SAFE

Price

$28.00

Last close

Models

11/13

Active

SMBK

National Commercial Banks

SmartFinancial, Inc.

Quality

8.2

out of 10

Value Trap

SAFE

Price

$41.70

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	RF Fair Value	RF Upside	SMBK Fair Value	SMBK Upside
Bayesian DCF	Intrinsic	$21.86	-21.9%	$38.76	-7.1%
Earnings Power Value	Intrinsic	$28.59	+2.1%	$49.47	+18.6%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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RF vs SMBK — Which Stock Is More Undervalued?

RF scores higher with a 8.6/10 quality rating vs SMBK's 8.2/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Regions Financial Corporation (RF) and SmartFinancial, Inc. (SMBK) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

RF currently trades at $28.00 with a QOC of 8.6/10, while SMBK trades at $41.70 with a QOC of 8.2/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).