SmartFinancial, Inc. (SMBK)

SmartFinancial Statistics

Total Valuation

SmartFinancial has a market cap or net worth of $602.28 million. The enterprise value is $185.06 million.

Market Cap	602.28M
Enterprise Value	185.06M

Important Dates

The last earnings date was Tuesday, October 21, 2025, after market close.

Earnings Date	Oct 21, 2025
Ex-Dividend Date	Aug 8, 2025

Share Statistics

SmartFinancial has 17.03 million shares outstanding. The number of shares has decreased by -0.01% in one year.

Current Share Class	17.03M
Shares Outstanding	17.03M
Shares Change (YoY)	-0.01%
Shares Change (QoQ)	+0.18%
Owned by Insiders (%)	15.39%
Owned by Institutions (%)	57.32%
Float	14.41M

Valuation Ratios

The trailing PE ratio is 12.91 and the forward PE ratio is 11.11.

PE Ratio	12.91
Forward PE	11.11
PS Ratio	3.15
Forward PS	2.73
PB Ratio	1.12
P/TBV Ratio	1.36
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	4.00
EV / Sales	0.98
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 9.01%.

Return on Equity (ROE)	9.01%
Return on Assets (ROA)	0.87%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$307,523
Profits Per Employee	$75,629
Employee Count	612
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, SmartFinancial has paid $10.89 million in taxes.

Income Tax	10.89M
Effective Tax Rate	19.05%

Stock Price Statistics

The stock price has increased by +11.61% in the last 52 weeks. The beta is 0.79, so SmartFinancial's price volatility has been lower than the market average.

Beta (5Y)	0.79
52-Week Price Change	+11.61%
50-Day Moving Average	35.96
200-Day Moving Average	33.57
Relative Strength Index (RSI)	50.43
Average Volume (20 Days)	70,293

Short Selling Information

The latest short interest is 130,945, so 0.77% of the outstanding shares have been sold short.

Short Interest	130,945
Short Previous Month	126,352
Short % of Shares Out	0.77%
Short % of Float	0.91%
Short Ratio (days to cover)	1.46

Income Statement

In the last 12 months, SmartFinancial had revenue of $188.20 million and earned $46.29 million in profits. Earnings per share was $2.74.

Revenue	188.20M
Gross Profit	188.20M
Operating Income	68.19M
Pretax Income	57.18M
Net Income	46.29M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.74

Balance Sheet

The company has $557.13 million in cash and $139.91 million in debt, giving a net cash position of $417.22 million or $24.50 per share.

Cash & Cash Equivalents	557.13M
Total Debt	139.91M
Net Cash	417.22M
Net Cash Per Share	$24.50
Equity (Book Value)	538.48M
Book Value Per Share	31.62
Working Capital	-4.48B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	36.23%
Pretax Margin	30.38%
Profit Margin	24.59%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.32, which amounts to a dividend yield of 0.91%.

Dividend Per Share	$0.32
Dividend Yield	0.91%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	11.68%
Buyback Yield	0.01%
Shareholder Yield	0.92%
Earnings Yield	7.68%
FCF Yield	n/a

Analyst Forecast

The average price target for SmartFinancial is $38.13, which is 7.80% higher than the current price. The consensus rating is "Buy".

Price Target	$38.13
Price Target Difference	7.80%
Analyst Consensus	Buy
Analyst Count	4
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on September 23, 2015. It was a reverse split with a ratio of 1:4.

Last Split Date	Sep 23, 2015
Split Type	Reverse
Split Ratio	1:4

Scores

Altman Z-Score	n/a
Piotroski F-Score	2