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SmartFinancial (SMBK)
NYSE:SMBK
Total Valuation
SmartFinancial has a market cap or net worth of $624.82M. The enterprise value is $557.89M.
Market Cap$624.82M
Enterprise Value$557.89M
Share Statistics
SmartFinancial has 17,020,313 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding17,020,313
Owned by Insiders7.68%
Owned by Institutions17.90%
Financial Efficiency
SmartFinancial’s return on equity (ROE) is 0.07 and return on invested capital (ROIC) is 6.13%.
Return on Equity (ROE)0.07
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)6.13%
Return on Capital Employed (ROCE)0.08
Revenue Per Employee477.84K
Profits Per Employee60.54K
Employee Count597
Asset Turnover0.05
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of SmartFinancial is 14.8. SmartFinancial’s PEG ratio is ―.
PE Ratio14.8
PS Ratio―
PB Ratio―
Price to Fair Value1.06
Price to FCF―
Price to Operating Cash Flow10.28
PEG Ratio―
Income Statement
In the last 12 months, SmartFinancial had revenue of 285.27M and earned 36.14M in profits. Earnings per share was 2.16.
Revenue285.27M
Gross Profit166.35M
Operating Income45.46M
Pretax Income45.46M
Net Income36.14M
EBITDA56.87M
Earnings Per Share (EPS)2.16
Cash Flow
In the last 12 months, operating cash flow was 57.39M and capital expenditures -4.09M, giving a free cash flow of 53.30M billion.
Operating Cash Flow57.39M
Free Cash Flow53.30M
Free Cash Flow per Share3.13
Dividends & Yields
SmartFinancial pays an annual dividend of $0.08, resulting in a dividend yield of 0.87%
Dividend Per Share$0.08
Dividend Yield0.87%
Payout Ratio12.96%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta1.01
52-Week Price Change27.42%
50-Day Moving Average34.34
200-Day Moving Average32.97
Relative Strength Index (RSI)65.30
Average Volume (3m)52.44K
Important Dates
SmartFinancial upcoming earnings date is Oct 27, 2025, Before Open (Confirmed).
Last Earnings DateJul 21, 2025
Next Earnings DateOct 27, 2025
Ex-Dividend DateAug 08, 2025
Financial Position
SmartFinancial as a current ratio of 0.16, with Debt / Equity ratio of 0.87%
Current Ratio0.16
Quick Ratio0.16
Debt to Market Cap0.09
Net Debt to EBITDA-5.73
Interest Coverage Ratio0.40
Taxes
In the past 12 months, SmartFinancial has paid 9.32M in taxes.
Income Tax9.32M
Effective Tax Rate0.20
Enterprise Valuation
SmartFinancial EV to EBITDA ratio is 3.41, with an EV/FCF ratio of 4.19.
EV to Sales0.68
EV to EBITDA3.41
EV to Free Cash Flow4.19
EV to Operating Cash Flow3.68
Balance Sheet
SmartFinancial has $682.11M in cash and marketable securities with $46.69M in debt, giving a net cash position of -$635.42M billion.
Cash & Marketable Securities$682.11M
Total Debt$46.69M
Net Cash-$635.42M
Net Cash Per Share-$37.33
Tangible Book Value Per Share$23.06
Margins
Gross margin is 59.35%, with operating margin of 15.94%, and net profit margin of 12.67%.
Gross Margin59.35%
Operating Margin15.94%
Pretax Margin15.94%
Net Profit Margin12.67%
EBITDA Margin19.94%
EBIT Margin15.94%
Analyst Forecast
The average price target for SmartFinancial is $38.00, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$38.00
Price Target Upside3.51% Upside
Analyst ConsensusModerate Buy
Analyst Count3
Revenue Growth Forecast16.38%
EPS Growth Forecast63.51%