RCBC vs SMBK: Correlation
River City Bank (RCBC) and SmartFinancial, Inc. (SMBK) show a moderate relationship: their 3-year correlation of weekly returns is 0.34.
Data as of 2026-08-27 · refreshed every trading day · weekly returns · methodology
How correlated are RCBC and SMBK?
Over the past 3 years, RCBC and SMBK moved with a correlation of 0.34, which is moderate. Little has changed lately, as the 1-year reading of 0.29 lands near the 3-year figure. Over 5 years the correlation is 0.28, and the annualized covariance of weekly returns is 207.9 %².
Few assets follow RCBC as closely as SMBK, which ranks #3 of 10 tracked partners. Their 12-month results are close: +36.3% for RCBC against +37.6% for SMBK.
How is this computed?
Pearson correlation on weekly returns: ρ(A,B) = cov(rA, rB) / (σA · σB), over windows of 52, 156 and 260 weeks. Covariance is annualized (×52) and expressed in %². Full definitions on the methodology page.
RCBC vs SMBK: side by side
| RCBC (River City Bank) | SMBK (SmartFinancial, Inc.) | |
|---|---|---|
| 1-year return | +36.3% | +37.6% |
| 5-year return | +90.8% | +113.7% |
| Volatility (ann.) | 21.4% | 28.9% |
| Beta vs S&P 500 | 0.25 | 0.84 |
| Max drawdown (3Y) | -13.4% | -26.4% |
| Market cap | $0.7B | $0.9B |
| P/E (trailing) | 10.6 | 14.9 |
| Dividend yield | 0.38% | 0.65% |
| Sector / category | US Listed | US Listed |
Year-by-year returns
| Year | RCBC | SMBK |
|---|---|---|
| 2022 | -11.3% | +1.6% |
| 2023 | -5.5% | -9.7% |
| 2024 | +38.4% | +28.1% |
| 2025 | +42.2% | +20.5% |
| 2026 | +13.9% | +37.6% |
Calendar-year price returns; the current year is year-to-date as of the data date above.
Are RCBC and SMBK good diversifiers for each other?
Reasonably. At 0.34, RCBC and SMBK keep a meaningful degree of independence, and combining them has historically reduced portfolio volatility.
FAQ
What is the correlation between RCBC and SMBK?
As of 2026-08-27, the correlation of weekly returns between RCBC and SMBK is 0.34 over 3 years, 0.29 over 1 year and 0.28 over 5 years.
Is SMBK a good diversifier for RCBC?
Reasonably. At 0.34, RCBC and SMBK keep a meaningful degree of independence, and combining them has historically reduced portfolio volatility.
What does a correlation of 0.34 mean?
Correlation ranges from −1 to +1. Values near +1 mean two assets move together, near 0 that they move independently, and negative values that they tend to move in opposite directions. It measures co-movement, not performance.
Use this data
$ curl https://www.pairbook.io/api/v1/pairs/rcbc-vs-smbk.json
Embed this badge (it refreshes with the data), with attribution:
[](https://www.pairbook.io/pair/rcbc-vs-smbk/)
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Related comparisons
Hubs: RCBC correlations · SMBK correlations
