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	Apr '26 Apr 16, 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 Cap	712	630	524	416	465	460
Market Cap Growth	34.55%	20.13%	26.03%	-10.48%	1.10%	67.76%
Enterprise Value	363.88	728.69	564.15	458.16	506.79	501.66
Last Close Price	41.62	36.99	30.98	24.49	27.50	27.36
PE Ratio	14.02	12.41	14.48	14.49	10.78	12.32
Forward PE	11.79	11.49	14.15	14.27	9.28	12.99
PS Ratio	3.71	3.27	3.15	2.79	2.88	3.39
PB Ratio	1.29	1.14	1.07	0.90	1.07	1.07
P/TBV Ratio	1.27	1.13	1.06	0.90	1.07	1.00
P/FCF Ratio	12.04	10.62	11.33	12.44	10.49	10.49
P/OCF Ratio	11.58	10.21	9.95	10.48	8.18	9.95
EV/Sales Ratio	1.89	3.78	3.39	3.07	3.14	3.70
EV/EBITDA Ratio	-	74.81	49.42	33.94	40.08	55.73
EV/FCF Ratio	6.13	12.28	12.19	13.70	11.44	11.45
Debt / Equity Ratio	0.18	0.18	0.08	0.09	0.10	0.10
Debt / EBITDA Ratio	10.13	10.13	3.48	3.12	3.32	4.66
Debt / FCF Ratio	1.66	1.66	0.86	1.26	0.95	0.96
Net Debt / Equity Ratio	0.18	0.18	0.08	0.09	0.10	0.10
Net Debt / EBITDA Ratio	10.13	10.13	3.48	3.12	3.32	4.66
Net Debt / FCF Ratio	1.66	1.66	0.86	1.26	0.95	0.96
Asset Turnover	0.03	0.03	0.03	0.03	0.03	0.03
Return on Equity (ROE)	9.65%	9.65%	7.60%	6.41%	9.98%	8.85%
Earnings Yield	7.05%	8.06%	6.91%	6.90%	9.27%	8.11%
FCF Yield	8.30%	9.42%	8.83%	8.04%	9.53%	9.53%
Dividend Yield	0.77%	0.88%	1.04%	1.32%	1.03%	0.87%
Payout Ratio	10.74%	10.83%	15.00%	18.98%	10.98%	10.72%
Buyback Yield / Dilution	-0.13%	-0.12%	0.21%	-0.24%	-7.47%	-4.53%
Total Shareholder Return	0.64%	0.75%	1.25%	1.08%	-6.44%	-3.65%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q