SmartFinancial, Inc. (SMBK)

SmartFinancial Statistics

Total Valuation

SmartFinancial has a market cap or net worth of $532.84 million. The enterprise value is $402.44 million.

Market Cap	532.84M
Enterprise Value	402.44M

Important Dates

The next estimated earnings date is Tuesday, January 21, 2025, after market close.

Earnings Date	Jan 21, 2025
Ex-Dividend Date	Nov 12, 2024

Share Statistics

SmartFinancial has 16.93 million shares outstanding. The number of shares has decreased by -0.09% in one year.

Current Share Class	16.93M
Shares Outstanding	16.93M
Shares Change (YoY)	-0.09%
Shares Change (QoQ)	-0.06%
Owned by Insiders (%)	15.43%
Owned by Institutions (%)	55.72%
Float	14.31M

Valuation Ratios

The trailing PE ratio is 16.31 and the forward PE ratio is 14.37.

PE Ratio	16.31
Forward PE	14.37
PS Ratio	3.32
Forward PS	2.84
PB Ratio	1.09
P/TBV Ratio	1.39
P/FCF Ratio	13.19
P/OCF Ratio	11.17
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	12.31
EV / Sales	2.53
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	9.96

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	1.85
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 6.99%.

Return on Equity (ROE)	6.99%
Return on Assets (ROA)	0.67%
Return on Capital (ROIC)	n/a
Revenue Per Employee	$272,130
Profits Per Employee	$55,880
Employee Count	585
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, SmartFinancial has paid $8.21 million in taxes.

Income Tax	8.21M
Effective Tax Rate	20.08%

Stock Price Statistics

The stock price has increased by +26.02% 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	+26.02%
50-Day Moving Average	34.04
200-Day Moving Average	26.83
Relative Strength Index (RSI)	26.44
Average Volume (20 Days)	49,765

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)	0.91

Income Statement

In the last 12 months, SmartFinancial had revenue of $159.20 million and earned $32.69 million in profits. Earnings per share was $1.93.

Revenue	159.20M
Gross Profit	159.20M
Operating Income	49.21M
Pretax Income	32.54M
Net Income	32.69M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.93

Balance Sheet

The company has $205.30 million in cash and $74.90 million in debt, giving a net cash position of $130.40 million or $7.70 per share.

Cash & Cash Equivalents	205.30M
Total Debt	74.90M
Net Cash	130.40M
Net Cash Per Share	$7.70
Equity (Book Value)	489.02M
Book Value Per Share	28.89
Working Capital	-4.13B

Cash Flow

In the last 12 months, operating cash flow was $47.72 million and capital expenditures -$7.33 million, giving a free cash flow of $40.40 million.

Operating Cash Flow	47.72M
Capital Expenditures	-7.33M
Free Cash Flow	40.40M
FCF Per Share	$2.39

Margins

Gross Margin	n/a
Operating Margin	30.91%
Pretax Margin	25.69%
Profit Margin	20.53%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	25.38%

Dividends & Yields

This stock pays an annual dividend of $0.32, which amounts to a dividend yield of 1.02%.

Dividend Per Share	$0.32
Dividend Yield	1.02%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	4
Payout Ratio	16.58%
Buyback Yield	0.09%
Shareholder Yield	1.10%
Earnings Yield	6.14%
FCF Yield	7.58%

Analyst Forecast

The average price target for SmartFinancial is $28.20, which is -10.42% lower than the current price. The consensus rating is "Buy".

Price Target	$28.20
Price Target Difference	-10.42%
Analyst Consensus	Buy
Analyst Count	5
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

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