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Total Valuation
SmartFinancial has a market cap or net worth of $888.09M. The enterprise value is $823.50.
Market Cap$888.09M
Enterprise Value$823.50
Share Statistics
SmartFinancial has 17,098,473 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding17,098,473
Owned by Insiders6.76%
Owned by Institutions6.76%
Financial Efficiency
SmartFinancial’s return on equity (ROE) is 0.09 and return on invested capital (ROIC) is 7.11%.
Return on Equity (ROE)0.09
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)7.11%
Return on Capital Employed (ROCE)0.09
Revenue Per Employee540.80K
Profits Per Employee86.06K
Employee Count585
Asset Turnover0.05
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of SmartFinancial is 15.4. SmartFinancial’s PEG ratio is 0.31.
PE Ratio15.4
PS Ratio1.96
PB Ratio1.12
Price to Fair Value1.12
Price to FCF10.47
Price to Operating Cash Flow12.03
PEG Ratio0.31
Income Statement
In the last 12 months, SmartFinancial had revenue of 316.37M and earned 50.35M in profits. Earnings per share was 3.01.
Revenue316.37M
Gross Profit192.88M
Operating Income61.50M
Pretax Income61.50M
Net Income50.35M
EBITDA69.93M
Earnings Per Share (EPS)3.01
Cash Flow
In the last 12 months, operating cash flow was 73.44M and capital expenditures -2.96M, giving a free cash flow of 70.47M billion.
Operating Cash Flow73.44M
Free Cash Flow70.47M
Free Cash Flow per Share4.12
Dividends & Yields
SmartFinancial pays an annual dividend of $0.09, resulting in a dividend yield of 0.65%
Dividend Per Share$0.09
Dividend Yield0.65%
Payout Ratio11.47%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.92
52-Week Price Change48.96%
50-Day Moving Average47.57
200-Day Moving Average41.15
Relative Strength Index (RSI)65.18
Average Volume (3m)61.23K
Important Dates
SmartFinancial upcoming earnings date is Oct 26, 2026, Before Open (Confirmed).
Last Earnings DateJul 20, 2026
Next Earnings DateOct 26, 2026
Ex-Dividend Date―
Financial Position
SmartFinancial as a current ratio of 0.22, with Debt / Equity ratio of 17.23%
Current Ratio0.22
Quick Ratio0.22
Debt to Market Cap0.16
Net Debt to EBITDA-5.19
Interest Coverage Ratio0.51
Taxes
In the past 12 months, SmartFinancial has paid 11.15M in taxes.
Income Tax11.15M
Effective Tax Rate0.18
Enterprise Valuation
SmartFinancial EV to EBITDA ratio is 3.69, with an EV/FCF ratio of 4.35.
EV to Sales0.82
EV to EBITDA3.69
EV to Free Cash Flow4.35
EV to Operating Cash Flow4.18
Balance Sheet
SmartFinancial has $379.39M in cash and marketable securities with $99.41M in debt, giving a net cash position of $279.98M billion.
Cash & Marketable Securities$379.39M
Total Debt$99.41M
Net Cash$279.98M
Net Cash Per Share$16.37
Tangible Book Value Per Share$27.23
Margins
Gross margin is 62.96%, with operating margin of 19.44%, and net profit margin of 15.91%.
Gross Margin62.96%
Operating Margin19.44%
Pretax Margin19.44%
Net Profit Margin15.91%
EBITDA Margin22.10%
EBIT Margin19.44%
Analyst Forecast
The average price target for SmartFinancial is $51.30, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$51.30
Price Target Upside21.05% Upside
Analyst ConsensusModerate Buy
Analyst Count5
Revenue Growth Forecast11.51%
EPS Growth Forecast37.08%