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SMARTFINANCIAL INC (SMBK) Stock Fundamental Analysis

NYSE:SMBK - New York Stock Exchange, Inc. - US83190L2088 - Common Stock - Currency: USD

36.02  +0.82 (+2.33%)

After market: 36.02 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to SMBK. SMBK was compared to 394 industry peers in the Banks industry. SMBK may be in some trouble as it scores bad on both profitability and health. SMBK is not overvalued while it is showing excellent growth. This is an interesting combination.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

SMBK had positive earnings in the past year.
In the past year SMBK had a positive cash flow from operations.
SMBK had positive earnings in each of the past 5 years.
Each year in the past 5 years SMBK had a positive operating cash flow.
SMBK Yearly Net Income VS EBIT VS OCF VS FCFSMBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M

1.2 Ratios

SMBK has a worse Return On Assets (0.70%) than 61.17% of its industry peers.
SMBK's Return On Equity of 7.52% is in line compared to the rest of the industry. SMBK outperforms 43.91% of its industry peers.
Industry RankSector Rank
ROA 0.7%
ROE 7.52%
ROIC N/A
ROA(3y)0.73%
ROA(5y)0.74%
ROE(3y)7.84%
ROE(5y)7.68%
ROIC(3y)N/A
ROIC(5y)N/A
SMBK Yearly ROA, ROE, ROICSMBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

Looking at the Profit Margin, with a value of 21.34%, SMBK is in line with its industry, outperforming 41.12% of the companies in the same industry.
In the last couple of years the Profit Margin of SMBK has declined.
The Operating Margin and Gross Margin are not available for SMBK so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 21.34%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.97%
PM growth 5Y-4.63%
GM growth 3YN/A
GM growth 5YN/A
SMBK Yearly Profit, Operating, Gross MarginsSMBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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3

2. Health

2.1 Basic Checks

SMBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
SMBK has less shares outstanding than it did 1 year ago.
The number of shares outstanding for SMBK has been increased compared to 5 years ago.
The debt/assets ratio for SMBK has been reduced compared to a year ago.
SMBK Yearly Shares OutstandingSMBK Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
SMBK Yearly Total Debt VS Total AssetsSMBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.2 Solvency

The Debt to FCF ratio of SMBK is 0.85, which is an excellent value as it means it would take SMBK, only 0.85 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of SMBK (0.85) is better than 77.92% of its industry peers.
A Debt/Equity ratio of 0.09 indicates that SMBK is not too dependend on debt financing.
The Debt to Equity ratio of SMBK (0.09) is better than 72.84% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.85
Altman-Z N/A
ROIC/WACCN/A
WACC21.92%
SMBK Yearly LT Debt VS Equity VS FCFSMBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SMBK Yearly Current Assets VS Current LiabilitesSMBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M

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7

3. Growth

3.1 Past

SMBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 23.76%, which is quite impressive.
The Earnings Per Share has been growing slightly by 1.74% on average over the past years.
The Revenue has grown by 19.14% in the past year. This is quite good.
The Revenue has been growing by 11.57% on average over the past years. This is quite good.
EPS 1Y (TTM)23.76%
EPS 3Y-2.75%
EPS 5Y1.74%
EPS Q2Q%36.73%
Revenue 1Y (TTM)19.14%
Revenue growth 3Y7.7%
Revenue growth 5Y11.57%
Sales Q2Q%16.79%

3.2 Future

The Earnings Per Share is expected to grow by 23.33% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 13.30% on average over the next years. This is quite good.
EPS Next Y34.89%
EPS Next 2Y23.33%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year17.26%
Revenue Next 2Y13.3%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
SMBK Yearly Revenue VS EstimatesSMBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M
SMBK Yearly EPS VS EstimatesSMBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 16.08, SMBK is valued correctly.
68.53% of the companies in the same industry are cheaper than SMBK, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of SMBK to the average of the S&P500 Index (27.52), we can say SMBK is valued slightly cheaper.
The Price/Forward Earnings ratio is 11.50, which indicates a very decent valuation of SMBK.
The rest of the industry has a similar Price/Forward Earnings ratio as SMBK.
When comparing the Price/Forward Earnings ratio of SMBK to the average of the S&P500 Index (35.58), we can say SMBK is valued rather cheaply.
Industry RankSector Rank
PE 16.08
Fwd PE 11.5
SMBK Price Earnings VS Forward Price EarningsSMBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as SMBK.
Industry RankSector Rank
P/FCF 11.05
EV/EBITDA N/A
SMBK Per share dataSMBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as SMBK's earnings are expected to grow with 23.33% in the coming years.
PEG (NY)0.46
PEG (5Y)9.25
EPS Next 2Y23.33%
EPS Next 3YN/A

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3

5. Dividend

5.1 Amount

SMBK has a yearly dividend return of 0.90%, which is pretty low.
With a Dividend Yield of 0.90, SMBK pays less dividend than the industry average, which is at 3.31. 82.74% of the companies listed in the same industry pay a better dividend than SMBK!
Compared to an average S&P500 Dividend Yield of 2.35, SMBK's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.9%

5.2 History

The dividend of SMBK is nicely growing with an annual growth rate of 44.81%!
SMBK has been paying a dividend for at least 10 years, so it has a reliable track record.
SMBK has decreased its dividend recently.
Dividend Growth(5Y)44.81%
Div Incr Years0
Div Non Decr Years1
SMBK Yearly Dividends per shareSMBK Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3

5.3 Sustainability

SMBK pays out 14.25% of its income as dividend. This is a sustainable payout ratio.
The dividend of SMBK is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP14.25%
EPS Next 2Y23.33%
EPS Next 3YN/A
SMBK Yearly Income VS Free CF VS DividendSMBK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
SMBK Dividend Payout.SMBK Dividend Payout, showing the Payout Ratio.SMBK Dividend Payout.PayoutRetained Earnings

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SMARTFINANCIAL INC

NYSE:SMBK (7/14/2025, 6:40:01 PM)

After market: 36.02 0 (0%)

36.02

+0.82 (+2.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-21 2025-04-21/amc
Earnings (Next)07-21 2025-07-21/amc
Inst Owners58.09%
Inst Owner Change0%
Ins Owners14.66%
Ins Owner Change2.74%
Market Cap613.06M
Analysts75
Price Target36.47 (1.25%)
Short Float %0.87%
Short Ratio2.12
Dividend
Industry RankSector Rank
Dividend Yield 0.9%
Yearly Dividend0.32
Dividend Growth(5Y)44.81%
DP14.25%
Div Incr Years0
Div Non Decr Years1
Ex-Date05-02 2025-05-02 (0.08)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)15.41%
Min EPS beat(2)10.66%
Max EPS beat(2)20.16%
EPS beat(4)4
Avg EPS beat(4)14.53%
Min EPS beat(4)10.66%
Max EPS beat(4)20.16%
EPS beat(8)5
Avg EPS beat(8)6.25%
EPS beat(12)7
Avg EPS beat(12)4.3%
EPS beat(16)9
Avg EPS beat(16)6.42%
Revenue beat(2)1
Avg Revenue beat(2)1.39%
Min Revenue beat(2)-0.67%
Max Revenue beat(2)3.44%
Revenue beat(4)2
Avg Revenue beat(4)0.97%
Min Revenue beat(4)-1.11%
Max Revenue beat(4)3.44%
Revenue beat(8)3
Avg Revenue beat(8)-3.17%
Revenue beat(12)3
Avg Revenue beat(12)-3.02%
Revenue beat(16)5
Avg Revenue beat(16)-2.04%
PT rev (1m)0%
PT rev (3m)-6.84%
EPS NQ rev (1m)0%
EPS NQ rev (3m)10.95%
EPS NY rev (1m)0.19%
EPS NY rev (3m)12.17%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.56%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.47%
Valuation
Industry RankSector Rank
PE 16.08
Fwd PE 11.5
P/S 3.44
P/FCF 11.05
P/OCF 10.23
P/B 1.21
P/tB 1.53
EV/EBITDA N/A
EPS(TTM)2.24
EY6.22%
EPS(NY)3.13
Fwd EY8.7%
FCF(TTM)3.26
FCFY9.05%
OCF(TTM)3.52
OCFY9.77%
SpS10.47
BVpS29.72
TBVpS23.6
PEG (NY)0.46
PEG (5Y)9.25
Profitability
Industry RankSector Rank
ROA 0.7%
ROE 7.52%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.34%
GM N/A
FCFM 31.13%
ROA(3y)0.73%
ROA(5y)0.74%
ROE(3y)7.84%
ROE(5y)7.68%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.97%
PM growth 5Y-4.63%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.85
Debt/EBITDA N/A
Cap/Depr 39.89%
Cap/Sales 2.48%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 145.88%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC21.92%
ROIC/WACCN/A
Cap/Depr(3y)67.1%
Cap/Depr(5y)65.38%
Cap/Sales(3y)5.14%
Cap/Sales(5y)4.36%
Profit Quality(3y)116.03%
Profit Quality(5y)114.24%
High Growth Momentum
Growth
EPS 1Y (TTM)23.76%
EPS 3Y-2.75%
EPS 5Y1.74%
EPS Q2Q%36.73%
EPS Next Y34.89%
EPS Next 2Y23.33%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)19.14%
Revenue growth 3Y7.7%
Revenue growth 5Y11.57%
Sales Q2Q%16.79%
Revenue Next Year17.26%
Revenue Next 2Y13.3%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y25.32%
FCF growth 3Y1.86%
FCF growth 5Y14.43%
OCF growth 1Y4.28%
OCF growth 3Y4.5%
OCF growth 5Y12.03%