SmartFinancial Statistics
Total Valuation
SmartFinancial has a market cap or net worth of $636.18 million. The enterprise value is $285.51 million.
Important Dates
The next estimated earnings date is Monday, April 20, 2026, after market close.
| Earnings Date | Apr 20, 2026 |
| Ex-Dividend Date | Feb 13, 2026 |
Share Statistics
SmartFinancial has 17.10 million shares outstanding. The number of shares has increased by 0.13% in one year.
| Current Share Class | 17.10M |
| Shares Outstanding | 17.10M |
| Shares Change (YoY) | +0.13% |
| Shares Change (QoQ) | +0.08% |
| Owned by Insiders (%) | 11.87% |
| Owned by Institutions (%) | 63.33% |
| Float | 15.07M |
Valuation Ratios
The trailing PE ratio is 12.49 and the forward PE ratio is 10.55.
| PE Ratio | 12.49 |
| Forward PE | 10.55 |
| PS Ratio | 3.30 |
| Forward PS | 2.83 |
| PB Ratio | 1.15 |
| P/TBV Ratio | 1.39 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | 10.31 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 5.67 |
| EV / Sales | 1.48 |
| 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 9.65%.
| Return on Equity (ROE) | 9.65% |
| Return on Assets (ROA) | 0.90% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 7.08% |
| Revenue Per Employee | $314,879 |
| Profits Per Employee | $82,266 |
| Employee Count | 612 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, SmartFinancial has paid $11.15 million in taxes.
| Income Tax | 11.15M |
| Effective Tax Rate | 18.14% |
Stock Price Statistics
The stock price has increased by +16.94% in the last 52 weeks. The beta is 0.77, so SmartFinancial's price volatility has been lower than the market average.
| Beta (5Y) | 0.77 |
| 52-Week Price Change | +16.94% |
| 50-Day Moving Average | 39.86 |
| 200-Day Moving Average | 36.64 |
| Relative Strength Index (RSI) | 32.65 |
| Average Volume (20 Days) | 78,844 |
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 | 0.87% |
| Short Ratio (days to cover) | 1.58 |
Income Statement
In the last 12 months, SmartFinancial had revenue of $192.71 million and earned $50.35 million in profits. Earnings per share was $2.98.
| Revenue | 192.71M |
| Gross Profit | 192.71M |
| Operating Income | 72.22M |
| Pretax Income | 61.50M |
| Net Income | 50.35M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.98 |
Full Income StatementBalance Sheet
The company has $477.62 million in cash and $126.95 million in debt, with a net cash position of $350.67 million or $20.51 per share.
| Cash & Cash Equivalents | 477.62M |
| Total Debt | 126.95M |
| Net Cash | 350.67M |
| Net Cash Per Share | $20.51 |
| Equity (Book Value) | 552.49M |
| Book Value Per Share | 32.44 |
| Working Capital | -4.67B |
Full Balance SheetCash Flow
| Operating Cash Flow | 61.72M |
| Capital Expenditures | -2.39M |
| Depreciation & Amortization | n/a |
| Net Borrowing | n/a |
| Free Cash Flow | n/a |
| FCF Per Share | n/a |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 37.48% |
| Pretax Margin | 31.91% |
| Profit Margin | 26.13% |
| 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 0.86%.
| Dividend Per Share | $0.32 |
| Dividend Yield | 0.86% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 10.74% |
| Buyback Yield | -0.13% |
| Shareholder Yield | 0.73% |
| Earnings Yield | 7.91% |
| FCF Yield | n/a |
Dividend DetailsAnalyst Forecast
The average price target for SmartFinancial is $38.63, which is 3.82% higher than the current price. The consensus rating is "Buy".
| Price Target | $38.63 |
| Price Target Difference | 3.82% |
| Analyst Consensus | Buy |
| Analyst Count | 4 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair 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 | 4 |
