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%)
Overall SMBK gets a fundamental rating of 4 out of 10. We evaluated SMBK against 383 industry peers in the Banks industry. SMBK may be in some trouble as it scores bad on both profitability and health. SMBK is not priced too expensively while it is growing strongly. Keep and eye on this one!
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.
- In the past 5 years SMBK has always been profitable.
- Each year in the past 5 years SMBK had a positive operating cash flow.
1.2 Ratios
- SMBK's Return On Assets of 0.81% is in line compared to the rest of the industry. SMBK outperforms 42.30% of its industry peers.
- SMBK's Return On Equity of 8.67% is in line compared to the rest of the industry. SMBK outperforms 47.78% of 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
- Looking at the Profit Margin, with a value of 24.05%, SMBK is in line with its industry, outperforming 48.04% of the companies in the same industry.
- SMBK's Profit Margin has declined in the last couple of years.
- SMBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
- Compared to 1 year ago, SMBK has about the same amount of shares outstanding.
- 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
- The Debt to FCF ratio of SMBK is 2.39, which is a good value as it means it would take SMBK, 2.39 years of fcf income to pay off all of its debts.
- Looking at the Debt to FCF ratio, with a value of 2.39, SMBK is in line with its industry, outperforming 42.56% of the companies in the same industry.
- SMBK has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
- With a Debt to Equity ratio value of 0.26, SMBK is not doing good in the industry: 64.23% of the companies in the same industry are doing better.
- Even though the debt/equity ratio score it not favorable for SMBK, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| 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
- The Earnings Per Share has grown by an impressive 50.00% over the past year.
- SMBK shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.74% yearly.
- The Revenue has grown by 18.42% in the past year. This is quite good.
- SMBK shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.57% yearly.
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
- The Earnings Per Share is expected to grow by 23.99% on average over the next years. This is a very strong growth
- The Revenue is expected to grow by 12.44% on average over the next years. This is quite good.
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
- SMBK is valuated correctly with a Price/Earnings ratio of 14.13.
- SMBK's Price/Earnings ratio is in line with the industry average.
- 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
- SMBK's Price/Free Cash Flow is on the same level as the industry average.
| 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.
- A more expensive valuation may be justified as SMBK's earnings are expected to grow with 23.99% in the coming years.
PEG (NY)0.29
PEG (5Y)8.13
EPS Next 2Y29.03%
EPS Next 3Y23.99%
5. Dividend
5.1 Amount
- SMBK has a yearly dividend return of 0.81%, which is pretty low.
- Compared to an average industry Dividend Yield of 2.87, SMBK's dividend is way lower than its industry peers. On top of this 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 1.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.81% |
5.2 History
- On average, the dividend of SMBK grows each year by 44.73%, which is quite nice.
- 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.