SmartFinancial Statistics

Total Valuation

SmartFinancial has a market cap or net worth of $526.37 million. The enterprise value is $205.43 million.

Market Cap	526.37M
Enterprise Value	205.43M

Important Dates

The next estimated earnings date is Monday, April 21, 2025, after market close.

Earnings Date	Apr 21, 2025
Ex-Dividend Date	Jan 31, 2025

Share Statistics

SmartFinancial has 17.02 million shares outstanding. The number of shares has decreased by -0.21% in one year.

Current Share Class	17.02M
Shares Outstanding	17.02M
Shares Change (YoY)	-0.21%
Shares Change (QoQ)	+0.14%
Owned by Insiders (%)	15.62%
Owned by Institutions (%)	56.88%
Float	14.36M

Valuation Ratios

The trailing PE ratio is 14.45 and the forward PE ratio is 12.74.

PE Ratio	14.45
Forward PE	12.74
PS Ratio	3.13
Forward PS	2.68
PB Ratio	1.07
P/TBV Ratio	1.38
P/FCF Ratio	11.48
P/OCF Ratio	10.09
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	5.68
EV / Sales	1.23
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	4.44

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	1.59
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 7.60%.

Return on Equity (ROE)	7.60%
Return on Assets (ROA)	0.72%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$271,812
Profits Per Employee	$59,054
Employee Count	612
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, SmartFinancial has paid $9.32 million in taxes.

Income Tax	9.32M
Effective Tax Rate	20.50%

Stock Price Statistics

The stock price has increased by +48.27% in the last 52 weeks. The beta is 0.67, so SmartFinancial's price volatility has been lower than the market average.

Beta (5Y)	0.67
52-Week Price Change	+48.27%
50-Day Moving Average	33.77
200-Day Moving Average	30.75
Relative Strength Index (RSI)	39.79
Average Volume (20 Days)	48,758

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)	1.58

Income Statement

In the last 12 months, SmartFinancial had revenue of $166.35 million and earned $36.14 million in profits. Earnings per share was $2.14.

Revenue	166.35M
Gross Profit	166.35M
Operating Income	54.10M
Pretax Income	32.54M
Net Income	36.14M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.14

Full Income Statement

Balance Sheet

The company has $399.71 million in cash and $73.49 million in debt, giving a net cash position of $326.22 million or $19.17 per share.

Cash & Cash Equivalents	399.71M
Total Debt	73.49M
Net Cash	326.22M
Net Cash Per Share	$19.17
Equity (Book Value)	491.46M
Book Value Per Share	29.03
Working Capital	-4.29B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $52.70 million and capital expenditures -$6.41 million, giving a free cash flow of $46.30 million.

Operating Cash Flow	52.70M
Capital Expenditures	-6.41M
Free Cash Flow	46.30M
FCF Per Share	$2.72

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	32.52%
Pretax Margin	27.33%
Profit Margin	21.73%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	27.83%

Dividends & Yields

This stock pays an annual dividend of $0.32, which amounts to a dividend yield of 1.04%.

Dividend Per Share	$0.32
Dividend Yield	1.04%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	14.95%
Buyback Yield	0.21%
Shareholder Yield	1.24%
Earnings Yield	6.80%
FCF Yield	8.71%

Dividend Details

Analyst Forecast

The average price target for SmartFinancial is $30.50, which is -1.39% lower than the current price. The consensus rating is "Buy".

Price Target	$30.50
Price Target Difference	-1.39%
Analyst Consensus	Buy
Analyst Count	6
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

Stock Splits

The last stock split was on September 23, 2015. It was a reverse split with a ratio of 0.25:1.

Last Split Date	Sep 23, 2015
Split Type	Reverse
Split Ratio	0.25:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4