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STOCKS

SmartFinancial (SMBK)

NYSE:SMBK

SMBK

SmartFinancial

RESEARCH TOOLSreports

SmartFinancial (SMBK) Ratios

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105 Followers

SmartFinancial Ratios

SMBK's free cash flow for Q4 2025 was $0.64. For the 2025 fiscal year, SMBK's free cash flow was decreased by $ and operating cash flow was $0.20. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	1.06	1.06	0.16	0.18	0.20
Quick Ratio	1.06	1.06	0.16	0.18	0.20
Cash Ratio	0.08	0.08	0.08	0.07	0.06
Solvency Ratio	0.01	0.01	<0.01	<0.01	0.01
Operating Cash Flow Ratio	0.01	0.01	0.01	<0.01	0.01
Short-Term Operating Cash Flow Coverage	20.41	20.41	6.51	3.03	3.28
Net Current Asset Value	$ 145.87M	$ 145.87M	$ -4.04B	$ -3.60B	$ -3.40B
Leverage Ratios
Debt-to-Assets Ratio	0.02	0.02	<0.01	0.01	0.02
Debt-to-Equity Ratio	0.19	0.18	0.10	0.12	0.19
Debt-to-Capital Ratio	0.16	0.16	0.09	0.11	0.16
Long-Term Debt-to-Capital Ratio	0.15	0.15	0.07	0.08	0.13
Financial Leverage Ratio	10.50	10.39	10.74	10.50	10.72
Debt Service Coverage Ratio	0.48	0.48	0.39	0.42	1.44
Interest Coverage Ratio	0.51	0.51	0.40	0.41	2.57
Debt to Market Cap	0.16	0.16	0.09	0.13	0.18
Interest Debt Per Share	13.22	13.22	9.63	8.51	6.29
Net Debt to EBITDA	-4.03	-4.03	-5.73	-4.82	-2.48
Profitability Margins
Gross Profit Margin	60.97%	60.97%	58.31%	62.14%	86.41%
EBIT Margin	19.44%	19.44%	15.94%	15.07%	29.43%
EBITDA Margin	22.10%	22.10%	19.94%	20.69%	36.21%
Operating Profit Margin	19.44%	19.44%	15.94%	15.07%	29.43%
Pretax Profit Margin	19.44%	19.44%	15.94%	15.07%	29.43%
Net Profit Margin	15.91%	15.91%	12.67%	11.90%	23.06%
Continuous Operations Profit Margin	15.91%	15.91%	12.67%	11.90%	23.06%
Net Income Per EBT	81.86%	81.86%	79.50%	78.93%	78.35%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	0.88%	0.88%	0.69%	0.59%	0.93%
Return on Equity (ROE)	9.55%	9.11%	7.36%	6.22%	9.95%
Return on Capital Employed (ROCE)	8.74%	8.74%	7.82%	6.61%	10.11%
Return on Invested Capital (ROIC)	7.12%	7.12%	6.13%	5.09%	7.68%
Return on Tangible Assets	0.88%	0.88%	0.70%	0.61%	0.95%
Earnings Yield	8.06%	8.11%	6.96%	6.94%	9.35%
Efficiency Ratios
Receivables Turnover	0.07	0.07	4.46	3.53	2.82
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	0.00	0.00	3.13	2.59	2.02
Asset Turnover	0.06	0.06	0.05	0.05	0.04
Working Capital Turnover Ratio	-0.17	-0.17	-0.08	-0.07	-0.06
Cash Conversion Cycle	4.96K	4.96K	81.83	103.43	129.40
Days of Sales Outstanding	4.96K	4.96K	81.83	103.43	129.40
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	4.96K	4.96K	81.83	103.43	129.40
Cash Flow Ratios
Operating Cash Flow Per Share	3.68	3.68	3.14	2.36	3.39
Free Cash Flow Per Share	3.40	3.68	2.76	1.99	2.65
CapEx Per Share	0.28	0.00	0.38	0.37	0.75
Free Cash Flow to Operating Cash Flow	0.92	1.00	0.88	0.84	0.78
Dividend Paid and CapEx Coverage Ratio	6.10	11.32	4.46	3.40	3.30
Capital Expenditure Coverage Ratio	13.21	0.00	8.23	6.33	4.55
Operating Cash Flow Coverage Ratio	0.60	0.60	1.10	0.72	0.68
Operating Cash Flow to Sales Ratio	0.20	0.20	0.18	0.17	0.30
Free Cash Flow Yield	9.00%	9.94%	8.91%	8.12%	9.62%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	12.41	12.33	14.37	14.40	10.70
Price-to-Sales (P/S) Ratio	2.00	1.96	1.82	1.71	2.47
Price-to-Book (P/B) Ratio	1.14	1.12	1.06	0.90	1.06
Price-to-Free Cash Flow (P/FCF) Ratio	11.11	10.06	11.22	12.31	10.39
Price-to-Operating Cash Flow Ratio	10.12	10.06	9.86	10.37	8.11
Price-to-Earnings Growth (PEG) Ratio	1.37	0.31	0.53	-0.43	0.70
Price-to-Fair Value	1.14	1.12	1.06	0.90	1.06
Enterprise Value Multiple	5.03	4.85	3.41	3.46	4.34
Enterprise Value	351.86M	339.19M	193.77M	172.18M	293.15M
EV to EBITDA	5.03	4.85	3.41	3.46	4.34
EV to Sales	1.11	1.07	0.68	0.72	1.57
EV to Free Cash Flow	6.17	5.50	4.19	5.15	6.62
EV to Operating Cash Flow	5.70	5.50	3.68	4.34	5.16
Tangible Book Value Per Share	32.55	32.55	23.06	20.98	19.28
Shareholders’ Equity Per Share	32.55	32.90	29.30	27.35	25.83
Tax and Other Ratios
Effective Tax Rate	0.18	0.18	0.20	0.21	0.22
Revenue Per Share	18.84	18.84	17.01	14.29	11.14
Net Income Per Share	3.00	3.00	2.16	1.70	2.57
Tax Burden	0.82	0.82	0.80	0.79	0.78
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.29	0.29	0.26	0.29	0.35
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	1.23	1.23	1.46	1.39	1.32

Currency in USD