SMARTFINANCIAL INC (SMBK) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:SMBK - US83190L2088 - Common Stock
39.42 USD
-0.07 (-0.18%)
39.42 USD
0 (0%)
SMBK gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. SMBK has a bad profitability rating. Also its financial health evaluation is rather negative. SMBK is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
- SMBK had positive earnings in the past year.
- SMBK had a positive operating cash flow in the past year.
- 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.
1.2 Ratios
- SMBK has a Return On Assets of 0.81%. This is comparable to the rest of the industry: SMBK outperforms 42.30% of its industry peers.
- SMBK has a Return On Equity (8.67%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.81% | ||
| ROE | 8.67% | ||
| ROIC | N/A |
ROA(3y)0.74%
ROA(5y)0.74%
ROE(3y)7.86%
ROE(5y)7.7%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- The Profit Margin of SMBK (24.05%) is comparable to the rest of the industry.
- SMBK's Profit Margin has declined in the last couple of years.
- The Operating Margin and Gross Margin are not available for SMBK so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 24.05% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.09%
PM growth 5Y-4.71%
GM growth 3YN/A
GM growth 5YN/A
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 about the same amout of shares outstanding than it did 1 year ago.
- The number of shares outstanding for SMBK has been increased compared to 5 years ago.
- Compared to 1 year ago, SMBK has an improved debt to assets ratio.
2.2 Solvency
- SMBK has a debt to FCF ratio of 2.39. This is a good value and a sign of high solvency as SMBK would need 2.39 years to pay back of all of its debts.
- SMBK's Debt to FCF ratio of 2.39 is in line compared to the rest of the industry. SMBK outperforms 42.56% of its industry peers.
- SMBK has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
- SMBK has a Debt to Equity ratio of 0.26. This is in the lower half of the industry: SMBK underperforms 64.23% of its industry peers.
- Although SMBK does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 2.39 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC20.71%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- SMBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 50.00%, which is quite impressive.
- Measured over the past 5 years, SMBK shows a small growth in Earnings Per Share. The EPS has been growing by 1.74% on average per year.
- SMBK shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 18.42%.
- The Revenue has been growing by 11.57% on average over the past years. This is quite good.
EPS 1Y (TTM)50%
EPS 3Y-2.75%
EPS 5Y1.74%
EPS Q2Q%59.26%
Revenue 1Y (TTM)18.42%
Revenue growth 3Y7.7%
Revenue growth 5Y11.57%
Sales Q2Q%15.61%
3.2 Future
- SMBK is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 23.99% yearly.
- Based on estimates for the next years, SMBK will show a quite strong growth in Revenue. The Revenue will grow by 12.44% on average per year.
EPS Next Y48.68%
EPS Next 2Y29.03%
EPS Next 3Y23.99%
EPS Next 5YN/A
Revenue Next Year18.28%
Revenue Next 2Y13.89%
Revenue Next 3Y12.44%
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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 14.13, the valuation of SMBK can be described as correct.
- Compared to the rest of the industry, the Price/Earnings ratio of SMBK is on the same level as its industry peers.
- SMBK is valuated rather cheaply when we compare the Price/Earnings ratio to 27.38, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 11.49, the valuation of SMBK can be described as very reasonable.
- SMBK's Price/Forward Earnings is on the same level as the industry average.
- The average S&P500 Price/Forward Earnings ratio is at 24.29. SMBK is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.13 | ||
| Fwd PE | 11.49 |
4.2 Price Multiples
- The rest of the industry has a similar Price/Free Cash Flow ratio as SMBK.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.45 | ||
| EV/EBITDA | N/A |
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.
- SMBK's earnings are expected to grow with 23.99% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.29
PEG (5Y)8.13
EPS Next 2Y29.03%
EPS Next 3Y23.99%
5. Dividend
5.1 Amount
- With a yearly dividend of 0.81%, SMBK is not a good candidate for dividend investing.
- With a Dividend Yield of 0.81, SMBK pays less dividend than the industry average, which is at 2.86. 83.29% of the companies listed in the same industry pay a better dividend than SMBK!
- With a Dividend Yield of 0.81, SMBK pays less dividend than the S&P500 average, which is at 1.84.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.81% |
5.2 History
- The dividend of SMBK is nicely growing with an annual growth rate of 44.73%!
- SMBK has paid a dividend for at least 10 years, which is a reliable track record.
- SMBK has decreased its dividend recently.
Dividend Growth(5Y)44.73%
Div Incr Years0
Div Non Decr Years1
5.3 Sustainability
- SMBK pays out 11.66% of its income as dividend. This is a sustainable payout ratio.
- SMBK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP11.66%
EPS Next 2Y29.03%
EPS Next 3Y23.99%
39.42
-0.07 (-0.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-21 2025-10-21/amc
Earnings (Next)01-20 2026-01-20/amc
Inst Owners60.27%
Inst Owner Change0.31%
Ins Owners6.82%
Ins Owner Change-0.19%
Market Cap671.32M
Revenue(TTM)193.96M
Net Income(TTM)46.64M
Analysts75
Price Target41.18 (4.46%)
Short Float %0.55%
Short Ratio1.06
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.81% |
Yearly Dividend0.32
Dividend Growth(5Y)44.73%
DP11.66%
Div Incr Years0
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10.33%
Min EPS beat(2)5.42%
Max EPS beat(2)15.23%
EPS beat(4)4
Avg EPS beat(4)12.87%
Min EPS beat(4)5.42%
Max EPS beat(4)20.16%
EPS beat(8)7
Avg EPS beat(8)10.6%
EPS beat(12)9
Avg EPS beat(12)6.93%
EPS beat(16)9
Avg EPS beat(16)3%
Revenue beat(2)0
Avg Revenue beat(2)-1.45%
Min Revenue beat(2)-2.48%
Max Revenue beat(2)-0.42%
Revenue beat(4)1
Avg Revenue beat(4)-0.03%
Min Revenue beat(4)-2.48%
Max Revenue beat(4)3.44%
Revenue beat(8)3
Avg Revenue beat(8)-0.06%
Revenue beat(12)3
Avg Revenue beat(12)-2.7%
Revenue beat(16)3
Avg Revenue beat(16)-2.74%
PT rev (1m)0%
PT rev (3m)2.65%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.29%
EPS NY rev (1m)0%
EPS NY rev (3m)4.79%
Revenue NQ rev (1m)-0.12%
Revenue NQ rev (3m)-2.11%
Revenue NY rev (1m)-0.06%
Revenue NY rev (3m)-0.69%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.13 | ||
| Fwd PE | 11.49 | ||
| P/S | 3.46 | ||
| P/FCF | 11.45 | ||
| P/OCF | 10.83 | ||
| P/B | 1.25 | ||
| P/tB | 1.52 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.79
EY7.08%
EPS(NY)3.43
Fwd EY8.7%
FCF(TTM)3.44
FCFY8.73%
OCF(TTM)3.64
OCFY9.24%
SpS11.39
BVpS31.59
TBVpS25.99
PEG (NY)0.29
PEG (5Y)8.13
Graham Number44.53
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.81% | ||
| ROE | 8.67% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 24.05% | ||
| GM | N/A | ||
| FCFM | 30.22% |
ROA(3y)0.74%
ROA(5y)0.74%
ROE(3y)7.86%
ROE(5y)7.7%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-6.09%
PM growth 5Y-4.71%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 2.39 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 31.76% | ||
| Cap/Sales | 1.74% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 125.69% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC20.71%
ROIC/WACCN/A
Cap/Depr(3y)66.97%
Cap/Depr(5y)65.31%
Cap/Sales(3y)5.14%
Cap/Sales(5y)4.36%
Profit Quality(3y)116.25%
Profit Quality(5y)114.37%
High Growth Momentum
Growth
EPS 1Y (TTM)50%
EPS 3Y-2.75%
EPS 5Y1.74%
EPS Q2Q%59.26%
EPS Next Y48.68%
EPS Next 2Y29.03%
EPS Next 3Y23.99%
EPS Next 5YN/A
Revenue 1Y (TTM)18.42%
Revenue growth 3Y7.7%
Revenue growth 5Y11.57%
Sales Q2Q%15.61%
Revenue Next Year18.28%
Revenue Next 2Y13.89%
Revenue Next 3Y12.44%
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 1Y56.74%
FCF growth 3Y2.08%
FCF growth 5Y14.57%
OCF growth 1Y43.45%
OCF growth 3Y4.7%
OCF growth 5Y12.15%
SMARTFINANCIAL INC / SMBK FAQ
What is the ChartMill fundamental rating of SMARTFINANCIAL INC (SMBK) stock?
ChartMill assigns a fundamental rating of 4 / 10 to SMBK.
Can you provide the valuation status for SMARTFINANCIAL INC?
ChartMill assigns a valuation rating of 5 / 10 to SMARTFINANCIAL INC (SMBK). This can be considered as Fairly Valued.
Can you provide the profitability details for SMARTFINANCIAL INC?
SMARTFINANCIAL INC (SMBK) has a profitability rating of 3 / 10.
Can you provide the financial health for SMBK stock?
The financial health rating of SMARTFINANCIAL INC (SMBK) is 3 / 10.
Can you provide the expected EPS growth for SMBK stock?
The Earnings per Share (EPS) of SMARTFINANCIAL INC (SMBK) is expected to grow by 48.68% in the next year.