SmartFinancial Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Feb '26 Feb 27, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Capitalization	668	630	524	416	464	460
Market Cap Growth	11.12%	20.12%	25.99%	-10.38%	1.03%	66.34%
Last Close Price	39.21	36.92	30.63	23.92	26.49	26.07
PE Ratio	13.16	12.51	14.51	14.56	10.80	13.21
PS Ratio	3.46	3.27	3.15	2.79	2.88	3.39
PB Ratio	1.21	1.14	1.07	0.91	1.07	1.07
P/FCF Ratio	-	-	11.33	12.44	10.48	10.49
P/OCF Ratio	-	-	9.95	10.48	8.18	9.95
Debt / Equity Ratio	0.18	0.18	0.15	0.18	0.25	0.34
Debt / FCF Ratio	-	-	1.59	2.40	2.40	3.29
Net Debt / Equity Ratio	-0.66	-0.66	-0.66	-0.62	-0.40	-2.10
Net Debt / FCF Ratio	-	-	-7.05	-8.52	-3.88	-20.59
Return on Equity (ROE)	9.64%	9.64%	7.60%	6.41%	9.98%	8.85%
Return on Assets (ROA)	0.90%	0.90%	0.71%	0.60%	0.93%	0.88%
Earnings Yield	7.54%	7.99%	6.89%	6.87%	9.26%	7.57%
FCF Yield	-	-	8.83%	8.04%	9.54%	9.53%
Dividend Yield	0.82%	0.87%	1.04%	1.34%	1.06%	0.92%
Payout Ratio	10.74%	-	15.00%	18.98%	10.98%	10.72%
Buyback Yield / Dilution	-0.13%	-0.13%	0.21%	-0.24%	-7.47%	-4.53%
Total Shareholder Return	0.65%	0.74%	1.26%	1.10%	-6.41%	-3.61%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q