SMARTFINANCIAL INC (SMBK) Fundamental Analysis & Valuation

NYSE:SMBK • US83190L2088

Current stock price

42.17 USD
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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.
  • SMBK had a positive operating cash flow in the past year.
  • Each year in the past 5 years SMBK has been profitable.
  • In the past 5 years SMBK always reported a positive cash flow from operatings.
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 20M 40M 60M

1.2 Ratios

  • The Return On Assets of SMBK (0.86%) is worse than 61.44% of its industry peers.
  • SMBK has a Return On Equity (9.11%) which is in line with its industry peers.
Industry RankSector Rank
ROA 0.86%
ROE 9.11%
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

  • The Profit Margin of SMBK (25.12%) is comparable to the rest of the industry.
  • 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) 25.12%
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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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.
  • Compared to 5 years ago, SMBK has more shares outstanding
  • SMBK has a worse debt/assets ratio than last year.
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 1.71. This is a very positive value and a sign of high solvency as it would only need 1.71 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 1.71, SMBK is in line with its industry, outperforming 52.93% of the companies in the same industry.
  • A Debt/Equity ratio of 0.18 indicates that SMBK is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.18, SMBK is in line with its industry, outperforming 46.01% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.71
Altman-Z N/A
ROIC/WACCN/A
WACC20.08%
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 2025 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 41.52%, which is quite impressive.
  • Measured over the past years, SMBK shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.48% on average per year.
  • Looking at the last year, SMBK shows a quite strong growth in Revenue. The Revenue has grown by 16.38% in the last year.
  • 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)41.52%
EPS 3Y5.92%
EPS 5Y13.48%
EPS Q2Q%20.9%
Revenue 1Y (TTM)16.38%
Revenue growth 3Y6.66%
Revenue growth 5Y11.5%
Sales Q2Q%14.91%

3.2 Future

  • SMBK is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 16.96% yearly.
  • SMBK is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.98% yearly.
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.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
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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5

4. SMBK Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 13.30 indicates a correct valuation of SMBK.
  • SMBK's Price/Earnings ratio is a bit more expensive when compared to the industry. SMBK is more expensive than 61.97% of the companies in the same industry.
  • SMBK's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.35.
  • With a Price/Forward Earnings ratio of 10.17, the valuation of SMBK can be described as very reasonable.
  • SMBK's Price/Forward Earnings ratio is in line with the industry average.
  • SMBK is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.23, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13.3
Fwd PE 10.17
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 ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 11.95
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)0.71
PEG (5Y)0.99
EPS Next 2Y16.96%
EPS Next 3YN/A

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

4

5. SMBK Dividend Analysis

5.1 Amount

  • SMBK has a yearly dividend return of 0.76%, which is pretty low.
  • With a Dividend Yield of 0.76, SMBK pays less dividend than the industry average, which is at 2.55. 84.04% of the companies listed in the same industry pay a better dividend than SMBK!
  • With a Dividend Yield of 0.76, SMBK pays less dividend than the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 0.76%

5.2 History

  • On average, the dividend of SMBK grows each year by 9.34%, which is quite nice.
  • SMBK has paid a dividend for at least 10 years, which is a reliable track record.
  • The dividend of SMBK decreased in the last 3 years.
Dividend Growth(5Y)9.34%
Div Incr Years0
Div Non Decr Years2
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

  • SMBK pays out 10.83% of its income as dividend. This is a sustainable payout ratio.
  • SMBK's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP10.83%
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

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SMBK Fundamentals: All Metrics, Ratios and Statistics

SMARTFINANCIAL INC

NYSE:SMBK (4/27/2026, 8:18:01 PM)

After market: 42.17 0 (0%)

42.17

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-20
Earnings (Next)07-20
Inst Owners63.19%
Inst Owner Change-0.06%
Ins Owners10.97%
Ins Owner Change1.67%
Market Cap709.30M
Revenue(TTM)207.44M
Net Income(TTM)50.35M
Analysts76.67
Price Target45.22 (7.23%)
Short Float %1.37%
Short Ratio2.82
Dividend
Industry RankSector Rank
Dividend Yield 0.76%
Yearly Dividend0.32
Dividend Growth(5Y)9.34%
DP10.83%
Div Incr Years0
Div Non Decr Years2
Ex-Date02-13
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.35%
Min EPS beat(2)1.46%
Max EPS beat(2)15.23%
EPS beat(4)4
Avg EPS beat(4)10.57%
Min EPS beat(4)1.46%
Max EPS beat(4)20.16%
EPS beat(8)8
Avg EPS beat(8)12.18%
EPS beat(12)9
Avg EPS beat(12)6.9%
EPS beat(16)10
Avg EPS beat(16)4.26%
Revenue beat(2)1
Avg Revenue beat(2)-0.38%
Min Revenue beat(2)-2.48%
Max Revenue beat(2)1.72%
Revenue beat(4)1
Avg Revenue beat(4)-0.46%
Min Revenue beat(4)-2.48%
Max Revenue beat(4)1.72%
Revenue beat(8)4
Avg Revenue beat(8)0.39%
Revenue beat(12)4
Avg Revenue beat(12)-2.36%
Revenue beat(16)4
Avg Revenue beat(16)-2.47%
PT rev (1m)0%
PT rev (3m)9.8%
EPS NQ rev (1m)-0.28%
EPS NQ rev (3m)0.69%
EPS NY rev (1m)0%
EPS NY rev (3m)4.87%
Revenue NQ rev (1m)-1.15%
Revenue NQ rev (3m)-1.02%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.28%
Valuation
Industry RankSector Rank
PE 13.3
Fwd PE 10.17
P/S 3.54
P/FCF 11.95
P/OCF 11.49
P/B 1.28
P/tB 1.55
EV/EBITDA N/A
EPS(TTM)3.17
EY7.52%
EPS(NY)4.14
Fwd EY9.83%
FCF(TTM)3.53
FCFY8.37%
OCF(TTM)3.67
OCFY8.7%
SpS11.92
BVpS32.84
TBVpS27.17
PEG (NY)0.71
PEG (5Y)0.99
Graham Number48.3979 (14.77%)
Profitability
Industry RankSector Rank
ROA 0.86%
ROE 9.11%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.12%
GM N/A
FCFM 29.6%
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-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.71
Debt/EBITDA N/A
Cap/Depr 24.53%
Cap/Sales 1.19%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 117.85%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC20.08%
ROIC/WACCN/A
Cap/Depr(3y)42.36%
Cap/Depr(5y)52.22%
Cap/Sales(3y)3.01%
Cap/Sales(5y)3.67%
Profit Quality(3y)120.97%
Profit Quality(5y)118.36%
High Growth Momentum
Growth
EPS 1Y (TTM)41.52%
EPS 3Y5.92%
EPS 5Y13.48%
EPS Q2Q%20.9%
EPS Next Y18.7%
EPS Next 2Y16.96%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)16.38%
Revenue growth 3Y6.66%
Revenue growth 5Y11.5%
Sales Q2Q%14.91%
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 1Y28.17%
FCF growth 3Y10.23%
FCF growth 5Y20.22%
OCF growth 1Y17.12%
OCF growth 3Y2.82%
OCF growth 5Y16.25%

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.


What is the profitability of SMBK stock?

SMARTFINANCIAL INC (SMBK) has a profitability rating of 3 / 10.


Can you provide the PE and PB ratios for SMBK stock?

The Price/Earnings (PE) ratio for SMARTFINANCIAL INC (SMBK) is 13.3 and the Price/Book (PB) ratio is 1.28.


Can you provide the dividend sustainability for SMBK stock?

The dividend rating of SMARTFINANCIAL INC (SMBK) is 4 / 10 and the dividend payout ratio is 10.83%.