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SmartFinancial (SMBK)
NYSE:SMBK
US Market
SMBK
SmartFinancial
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SmartFinancial (SMBK) Ratios

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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 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 1.03 0.22 0.16 0.18 0.20
Quick Ratio
 1.02 0.22 0.16 0.18 0.20
Cash Ratio
 0.07 0.09 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
 19.42 20.51 6.51 3.03 3.28
Net Current Asset Value
$ 34.35M$ -4.15B$ -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
 0.18 0.18 0.10 0.12 0.19
Debt-to-Capital Ratio
 0.15 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
 10.51 10.61 10.74 10.50 10.72
Debt Service Coverage Ratio
 0.48 0.48 0.39 0.42 1.44
Interest Coverage Ratio
 0.54 0.51 0.40 0.41 2.57
Debt to Market Cap
 0.14 0.16 0.09 0.13 0.18
Interest Debt Per Share
 13.20 13.20 9.63 8.51 6.29
Net Debt to EBITDA
 -3.45 -5.19 -5.73 -4.82 -2.48
Profitability Margins
Gross Profit Margin
62.06%60.97%58.31%62.14%86.41%
EBIT Margin
19.99%19.44%15.94%15.07%29.43%
EBITDA Margin
21.89%22.10%19.94%20.69%36.21%
Operating Profit Margin
19.99%19.44%15.94%15.07%29.43%
Pretax Profit Margin
19.99%19.44%15.94%15.07%29.43%
Net Profit Margin
16.31%15.91%12.67%11.90%23.06%
Continuous Operations Profit Margin
16.31%15.91%12.67%11.90%23.06%
Net Income Per EBT
81.56%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)
0.89%0.86%0.69%0.59%0.93%
Return on Equity (ROE)
9.72%9.11%7.36%6.22%9.95%
Return on Capital Employed (ROCE)
9.79%8.72%7.82%6.61%10.11%
Return on Invested Capital (ROIC)
7.95%7.11%6.13%5.09%7.68%
Return on Tangible Assets
0.91%0.87%0.70%0.61%0.95%
Earnings Yield
7.51%8.11%6.96%6.94%9.35%
Efficiency Ratios
Receivables Turnover
 0.07 0.00 4.46 3.53 2.82
Payables Turnover
 0.13 0.00 0.00 0.00 0.00
Inventory Turnover
 16.87 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 3.47 3.58 3.13 2.59 2.02
Asset Turnover
 0.05 0.05 0.05 0.05 0.04
Working Capital Turnover Ratio
 -0.17 -0.08 -0.08 -0.07 -0.06
Cash Conversion Cycle
 2.24K 0.00 81.83 103.43 129.40
Days of Sales Outstanding
 5.05K 0.00 81.83 103.43 129.40
Days of Inventory Outstanding
 21.64 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 2.83K 0.00 0.00 0.00 0.00
Operating Cycle
 5.07K 0.00 81.83 103.43 129.40
Cash Flow Ratios
Operating Cash Flow Per Share
 3.67 3.68 3.14 2.36 3.39
Free Cash Flow Per Share
 3.39 3.53 2.76 1.99 2.65
CapEx Per Share
 0.28 0.14 0.38 0.37 0.75
Free Cash Flow to Operating Cash Flow
 0.92 0.96 0.88 0.84 0.78
Dividend Paid and CapEx Coverage Ratio
 6.10 7.87 4.46 3.40 3.30
Capital Expenditure Coverage Ratio
 13.21 25.84 8.23 6.33 4.55
Operating Cash Flow Coverage Ratio
 0.61 0.61 1.10 0.72 0.68
Operating Cash Flow to Sales Ratio
 0.19 0.20 0.18 0.17 0.30
Free Cash Flow Yield
7.99%9.55%8.91%8.12%9.62%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 13.50 12.33 14.37 14.40 10.70
Price-to-Sales (P/S) Ratio
 2.24 1.96 1.82 1.71 2.47
Price-to-Book (P/B) Ratio
 1.27 1.12 1.06 0.90 1.06
Price-to-Free Cash Flow (P/FCF) Ratio
 12.70 10.47 11.22 12.31 10.39
Price-to-Operating Cash Flow Ratio
 11.54 10.06 9.86 10.37 8.11
Price-to-Earnings Growth (PEG) Ratio
 0.35 0.31 0.53 -0.43 0.70
Price-to-Fair Value
 1.27 1.12 1.06 0.90 1.06
Enterprise Value Multiple
 6.78 3.69 3.41 3.46 4.34
Enterprise Value
 469.87M 258.24M 193.77M 172.18M 293.15M
EV to EBITDA
 6.63 3.69 3.41 3.46 4.34
EV to Sales
 1.45 0.82 0.68 0.72 1.57
EV to Free Cash Flow
 8.24 4.35 4.19 5.15 6.62
EV to Operating Cash Flow
 7.61 4.18 3.68 4.34 5.16
Tangible Book Value Per Share
 27.78 27.23 23.06 20.98 19.28
Shareholders’ Equity Per Share
 33.41 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
 19.24 18.84 17.01 14.29 11.14
Net Income Per Share
 3.14 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 0.30 0.27 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