Is SHFS or SMBK more undervalued in 2026?

CirclFi compares SHF Holdings, Inc. (SHFS) and SmartFinancial, Inc. (SMBK) using 13 institutional-grade valuation models. SHFS has a Quality of Company score of 4.0/10 while SMBK scores 8.2/10.

Which is a better buy — SHFS 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 SHFS and SMBK valuations compare?

SHFS at $0.47 and SMBK at $41.73 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

SHFS vs SMBK Valuation Comparison 2026 — Intrinsic Value Analysis

SHFS

Banks - Regional

SHF Holdings, Inc.

Quality

4.0

out of 10

Value Trap

LOW

Price

$0.47

Last close

Models

7/13

Active

SMBK

Banks - Regional

SmartFinancial, Inc.

Quality

8.2

out of 10

Value Trap

SAFE

Price

$41.73

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	SHFS Fair Value	SHFS Upside	SMBK Fair Value	SMBK Upside
Bayesian DCF	Intrinsic	—	—	$38.76	-7.1%
Earnings Power Value	Intrinsic	—	—	$49.47	+18.5%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$1.00	+27.5%	$78.80	+88.8%
PWERM	Option-Based	$1.00	+115.1%	—	—
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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SHFS vs SMBK — Which Stock Is More Undervalued?

SMBK scores higher with a 8.2/10 quality rating vs SHFS's 4.0/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing SHF Holdings, Inc. (SHFS) 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.

SHFS currently trades at $0.47 with a QOC of 4.0/10, while SMBK trades at $41.73 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).