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SMARTFINANCIAL INC (SMBK) Stock Fundamental Analysis

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

33.56  +0.33 (+0.99%)

After market: 33.56 0 (0%)

Fundamental Rating

4

SMBK gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 393 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!


Dividend Valuation Growth Profitability Health

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3

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.
SMBK had a positive operating cash flow in each of the past 5 years.
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

The Return On Assets of SMBK (0.70%) is worse than 61.07% of its industry peers.
The Return On Equity of SMBK (7.52%) is comparable to the rest of the industry.
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 42.49% of the companies in the same industry.
In the last couple of years the Profit Margin of SMBK has declined.
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) 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

SMBK has a debt to FCF ratio of 0.85. This is a very positive value and a sign of high solvency as it would only need 0.85 years to pay back of all of its debts.
SMBK has a better Debt to FCF ratio (0.85) than 78.63% of its industry peers.
SMBK has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of SMBK (0.09) is better than 73.28% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.85
Altman-Z N/A
ROIC/WACCN/A
WACC22.63%
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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8

3. Growth

3.1 Past

SMBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 41.14%, which is quite impressive.
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 23.62% in the past year. This is a very strong growth!
The Revenue has been growing by 11.57% on average over the past years. This is quite good.
EPS 1Y (TTM)41.14%
EPS 3Y-2.75%
EPS 5Y1.74%
EPS Q2Q%50%
Revenue 1Y (TTM)23.62%
Revenue growth 3Y7.7%
Revenue growth 5Y11.57%
Sales Q2Q%21.83%

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 14.56% 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 Year18.67%
Revenue Next 2Y14.56%
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 accelerating: in the next years the growth will be better than in the last years.
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

The Price/Earnings ratio is 13.59, which 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 61.83% of the companies in the same industry.
When comparing the Price/Earnings ratio of SMBK to the average of the S&P500 Index (26.51), we can say SMBK is valued slightly cheaper.
The Price/Forward Earnings ratio is 10.71, which indicates a very decent valuation of SMBK.
SMBK's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.09, SMBK is valued rather cheaply.
Industry RankSector Rank
PE 13.59
Fwd PE 10.71
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

SMBK's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 10.29
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.
SMBK's earnings are expected to grow with 23.33% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.39
PEG (5Y)7.82
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 0.97%, which is pretty low.
With a Dividend Yield of 0.97, SMBK pays less dividend than the industry average, which is at 3.54. 82.95% of the companies listed in the same industry pay a better dividend than SMBK!
With a Dividend Yield of 0.97, SMBK pays less dividend than the S&P500 average, which is at 2.40.
Industry RankSector Rank
Dividend Yield 0.97%

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 (8/11/2025, 4:15:01 PM)

After market: 33.56 0 (0%)

33.56

+0.33 (+0.99%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-21 2025-07-21/amc
Earnings (Next)10-20 2025-10-20/amc
Inst Owners58.17%
Inst Owner Change-0.28%
Ins Owners14.45%
Ins Owner Change0.14%
Market Cap571.19M
Analysts75
Price Target40.12 (19.55%)
Short Float %0.63%
Short Ratio1.45
Dividend
Industry RankSector Rank
Dividend Yield 0.97%
Yearly Dividend0.32
Dividend Growth(5Y)44.81%
DP14.25%
Div Incr Years0
Div Non Decr Years1
Ex-Date08-08 2025-08-08 (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)10.02%
PT rev (3m)8.63%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.89%
EPS NY rev (1m)0%
EPS NY rev (3m)12.58%
Revenue NQ rev (1m)-0.02%
Revenue NQ rev (3m)-0.02%
Revenue NY rev (1m)1.21%
Revenue NY rev (3m)1.21%
Valuation
Industry RankSector Rank
PE 13.59
Fwd PE 10.71
P/S 3.2
P/FCF 10.29
P/OCF 9.53
P/B 1.13
P/tB 1.42
EV/EBITDA N/A
EPS(TTM)2.47
EY7.36%
EPS(NY)3.13
Fwd EY9.34%
FCF(TTM)3.26
FCFY9.71%
OCF(TTM)3.52
OCFY10.49%
SpS10.47
BVpS29.72
TBVpS23.6
PEG (NY)0.39
PEG (5Y)7.82
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
WACC22.63%
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)41.14%
EPS 3Y-2.75%
EPS 5Y1.74%
EPS Q2Q%50%
EPS Next Y34.89%
EPS Next 2Y23.33%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)23.62%
Revenue growth 3Y7.7%
Revenue growth 5Y11.57%
Sales Q2Q%21.83%
Revenue Next Year18.67%
Revenue Next 2Y14.56%
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%