Is SMBK or SRBK more undervalued in 2026?

CirclFi compares SmartFinancial, Inc. (SMBK) and SR Bancorp, Inc. (SRBK) using 13 institutional-grade valuation models. SMBK has a Quality of Company score of 8.2/10 while SRBK scores 8.1/10.

Which is a better buy — SMBK or SRBK?

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 SMBK and SRBK valuations compare?

SMBK at $41.73 and SRBK at $18.82 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

SMBK vs SRBK Valuation Comparison 2026 — Intrinsic Value Analysis

SMBK

Banks - Regional

SmartFinancial, Inc.

Quality

8.2

out of 10

Value Trap

SAFE

Price

$41.73

Last close

Models

11/13

Active

SRBK

Banks - Regional

SR Bancorp, Inc.

Quality

8.1

out of 10

Value Trap

—

Price

$18.82

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	SMBK Fair Value	SMBK Upside	SRBK Fair Value	SRBK Upside
Bayesian DCF	Intrinsic	$38.76	-7.1%	$7.20	-61.7%
Earnings Power Value	Intrinsic	$49.47	+18.5%	$12.76	-32.2%
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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SMBK vs SRBK — Which Stock Is More Undervalued?

SMBK scores higher with a 8.2/10 quality rating vs SRBK's 8.1/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing SmartFinancial, Inc. (SMBK) and SR Bancorp, Inc. (SRBK) 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.

SMBK currently trades at $41.73 with a QOC of 8.2/10, while SRBK trades at $18.82 with a QOC of 8.1/10.

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).