SmartFinancial (SMBK)
NYSE:SMBK
Total Valuation
SmartFinancial has a market cap or net worth of $717.39M. The enterprise value is $435.59M.
Market Cap$717.39M
Enterprise Value$435.59M
Share Statistics
SmartFinancial has 17,096,970 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding17,096,970
Owned by Insiders6.90%
Owned by Institutions16.21%
Financial Efficiency
SmartFinancial’s return on equity (ROE) is 0.09 and return on invested capital (ROIC) is -1.15%.
Return on Equity (ROE)0.09
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)-1.15%
Return on Capital Employed (ROCE)0.09
Revenue Per Employee529.93K
Profits Per Employee84.33K
Employee Count597
Asset Turnover0.05
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of SmartFinancial is 12.3. SmartFinancial’s PEG ratio is 0.31.
PE Ratio12.3
PS Ratio1.96
PB Ratio1.12
Price to Fair Value1.12
Price to FCF10.47
Price to Operating Cash Flow11.05
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 61.72M and capital expenditures -4.67M, giving a free cash flow of 57.05M billion.
Operating Cash Flow61.72M
Free Cash Flow57.05M
Free Cash Flow per Share3.34
Dividends & Yields
SmartFinancial pays an annual dividend of $0.08, resulting in a dividend yield of 0.84%
Dividend Per Share$0.08
Dividend Yield0.84%
Payout Ratio11.47%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta1.00
52-Week Price Change48.86%
50-Day Moving Average39.85
200-Day Moving Average36.93
Relative Strength Index (RSI)64.43
Average Volume (3m)61.23K
Important Dates
SmartFinancial upcoming earnings date is Apr 20, 2026, Before Open (Confirmed).
Last Earnings DateJan 20, 2026
Next Earnings DateApr 20, 2026
Ex-Dividend Date―
Financial Position
SmartFinancial as a current ratio of 0.12, with Debt / Equity ratio of 18.48%
Current Ratio0.12
Quick Ratio0.12
Debt to Market Cap0.16
Net Debt to EBITDA-4.03
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 4.85, with an EV/FCF ratio of 5.72.
EV to Sales1.07
EV to EBITDA4.85
EV to Free Cash Flow5.72
EV to Operating Cash Flow5.50
Balance Sheet
SmartFinancial has $1.04B in cash and marketable securities with $102.09M in debt, giving a net cash position of $941.20M billion.
Cash & Marketable Securities$1.04B
Total Debt$102.09M
Net Cash$941.20M
Net Cash Per Share$55.05
Tangible Book Value Per Share$27.23
Margins
Gross margin is 60.97%, with operating margin of 19.44%, and net profit margin of 15.91%.
Gross Margin60.97%
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 $45.00, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$45.00
Price Target Upside7.24% Upside
Analyst ConsensusModerate Buy
Analyst Count2
Revenue Growth Forecast13.41%
EPS Growth Forecast41.78%