SMARTFINANCIAL INC (SMBK) Fundamental Analysis & Valuation

NYSE:SMBK • US83190L2088

Current stock price

38.16 USD
+0.07 (+0.18%)
At close:
38.16 USD
0 (0%)
After Hours:

This SMBK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. SMBK Profitability Analysis

1.1 Basic Checks

  • SMBK had positive earnings in the past year.
  • In the past year SMBK had a positive cash flow from operations.
  • Each year in the past 5 years SMBK has been profitable.
  • Of the past 5 years SMBK 4 years 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M

1.2 Ratios

  • SMBK has a Return On Assets of 0.80%. This is in the lower half of the industry: SMBK underperforms 61.68% of its industry peers.
  • With a Return On Equity value of 8.60%, SMBK perfoms like the industry average, outperforming 44.62% of the companies in the same industry.
Industry RankSector Rank
ROA 0.8%
ROE 8.6%
ROIC N/A
ROA(3y)0.71%
ROA(5y)0.76%
ROE(3y)7.56%
ROE(5y)8.15%
ROIC(3y)N/A
ROIC(5y)N/A
SMBK Yearly ROA, ROE, ROICSMBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • SMBK has a Profit Margin (23.86%) which is in line with its industry peers.
  • In the last couple of years the Profit Margin of SMBK has grown nicely.
  • SMBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 23.86%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.18%
PM growth 5Y3.75%
GM growth 3YN/A
GM growth 5YN/A
SMBK Yearly Profit, Operating, Gross MarginsSMBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. SMBK Health Analysis

2.1 Basic Checks

  • SMBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for SMBK has been increased compared to 1 year ago.
  • SMBK has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, SMBK has a worse debt to assets ratio.
SMBK Yearly Shares OutstandingSMBK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
SMBK Yearly Total Debt VS Total AssetsSMBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

2.2 Solvency

  • SMBK has a debt to FCF ratio of 2.38. This is a good value and a sign of high solvency as SMBK would need 2.38 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 2.38, SMBK perfoms like the industry average, outperforming 44.36% 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.
  • SMBK has a Debt to Equity ratio of 0.26. This is in the lower half of the industry: SMBK underperforms 63.25% of its industry peers.
  • Although SMBK's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. 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 RankSector Rank
Debt/Equity 0.26
Debt/FCF 2.38
Altman-Z N/A
ROIC/WACCN/A
WACC21.1%
SMBK Yearly LT Debt VS Equity VS FCFSMBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. SMBK Growth Analysis

3.1 Past

  • SMBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 47.09%, which is quite impressive.
  • The Earnings Per Share has been growing by 13.48% on average over the past years. This is quite good.
  • The Revenue has grown by 16.88% 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 11.50% yearly.
EPS 1Y (TTM)47.09%
EPS 3Y5.92%
EPS 5Y13.48%
EPS Q2Q%42.11%
Revenue 1Y (TTM)16.88%
Revenue growth 3Y6.66%
Revenue growth 5Y11.5%
Sales Q2Q%13.89%

3.2 Future

  • Based on estimates for the next years, SMBK will show a quite strong growth in Earnings Per Share. The EPS will grow by 16.96% on average per year.
  • The Revenue is expected to grow by 10.98% on average over the next years. This is quite good.
EPS Next Y18.7%
EPS Next 2Y16.96%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.65%
Revenue Next 2Y10.98%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 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 2027 1 2 3 4

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Find the best growth stocksShow best growing peers

5

4. SMBK Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.59, SMBK is valued correctly.
  • 60.37% of the companies in the same industry are cheaper than SMBK, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 25.70. SMBK is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 10.61 indicates a reasonable valuation of SMBK.
  • SMBK's Price/Forward Earnings is on the same level as the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 23.84. SMBK is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.59
Fwd PE 10.61
SMBK Price Earnings VS Forward Price EarningsSMBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • SMBK's Price/Free Cash Flow is on the same level as the industry average.
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 10 20 30

4.3 Compensation for Growth

  • SMBK's 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 16.96% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.67
PEG (5Y)0.93
EPS Next 2Y16.96%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. SMBK Dividend Analysis

5.1 Amount

  • With a yearly dividend of 0.84%, SMBK is not a good candidate for dividend investing.
  • With a Dividend Yield of 0.84, SMBK pays less dividend than the industry average, which is at 2.87. 84.25% of the companies listed in the same industry pay a better dividend than SMBK!
  • Compared to an average S&P500 Dividend Yield of 1.89, SMBK's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.84%

5.2 History

  • On average, the dividend of SMBK grows each year by 44.81%, which is quite nice.
  • 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 2026 0.1 0.2 0.3

5.3 Sustainability

  • 11.75% of the earnings are spent on dividend by SMBK. This is a low number and sustainable payout ratio.
  • SMBK's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP11.75%
EPS Next 2Y16.96%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
SMBK Dividend Payout.SMBK Dividend Payout, showing the Payout Ratio.SMBK Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

SMBK Fundamentals: All Metrics, Ratios and Statistics

SMARTFINANCIAL INC

NYSE:SMBK (3/13/2026, 8:04:00 PM)

After market: 38.16 0 (0%)

38.16

+0.07 (+0.18%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-20
Inst Owners63.2%
Inst Owner Change5.6%
Ins Owners10.85%
Ins Owner Change1.7%
Market Cap649.86M
Revenue(TTM)200.46M
Net Income(TTM)46.28M
Analysts76.67
Price Target45.22 (18.5%)
Short Float %0.7%
Short Ratio1.37
Dividend
Industry RankSector Rank
Dividend Yield 0.84%
Yearly Dividend0.32
Dividend Growth(5Y)44.81%
DP11.75%
Div Incr Years0
Div Non Decr Years1
Ex-Date02-13
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)0.53%
PT rev (3m)9.8%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.08%
EPS NY rev (3m)4.87%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.12%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.54%
Valuation
Industry RankSector Rank
PE 12.59
Fwd PE 10.61
P/S 3.35
P/FCF 11.05
P/OCF 10.45
P/B 1.21
P/tB 1.47
EV/EBITDA N/A
EPS(TTM)3.03
EY7.94%
EPS(NY)3.6
Fwd EY9.42%
FCF(TTM)3.45
FCFY9.05%
OCF(TTM)3.65
OCFY9.57%
SpS11.39
BVpS31.61
TBVpS25.99
PEG (NY)0.67
PEG (5Y)0.93
Graham Number46.42
Profitability
Industry RankSector Rank
ROA 0.8%
ROE 8.6%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.86%
GM N/A
FCFM 30.33%
ROA(3y)0.71%
ROA(5y)0.76%
ROE(3y)7.56%
ROE(5y)8.15%
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-1.18%
PM growth 5Y3.75%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 2.38
Debt/EBITDA N/A
Cap/Depr 31.72%
Cap/Sales 1.74%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 127.08%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC21.1%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)47.09%
EPS 3Y5.92%
EPS 5Y13.48%
EPS Q2Q%42.11%
EPS Next Y18.7%
EPS Next 2Y16.96%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)16.88%
Revenue growth 3Y6.66%
Revenue growth 5Y11.5%
Sales Q2Q%13.89%
Revenue Next Year11.65%
Revenue Next 2Y10.98%
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 1Y45.64%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y30.37%
OCF growth 3YN/A
OCF growth 5YN/A

SMARTFINANCIAL INC / SMBK Fundamental Analysis 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 2 / 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 18.7% in the next year.