SmartFinancial, Inc. (SMBK)

SmartFinancial Statistics

Total Valuation

SmartFinancial has a market cap or net worth of $565.49 million. The enterprise value is $247.09 million.

Market Cap	565.49M
Enterprise Value	247.09M

Important Dates

The last earnings date was Monday, July 21, 2025, after market close.

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

Share Statistics

SmartFinancial has 17.02 million shares outstanding. The number of shares has decreased by -0.22% in one year.

Current Share Class	17.02M
Shares Outstanding	17.02M
Shares Change (YoY)	-0.22%
Shares Change (QoQ)	+0.04%
Owned by Insiders (%)	15.40%
Owned by Institutions (%)	58.06%
Float	14.40M

Valuation Ratios

The trailing PE ratio is 13.45 and the forward PE ratio is 11.04.

PE Ratio	13.45
Forward PE	11.04
PS Ratio	3.11
Forward PS	2.67
PB Ratio	1.09
P/TBV Ratio	1.36
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	5.92
EV / Sales	1.38
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 8.42%.

Return on Equity (ROE)	8.42%
Return on Assets (ROA)	0.80%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$292,417
Profits Per Employee	$68,203
Employee Count	612
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, SmartFinancial has paid $9.22 million in taxes.

Income Tax	9.22M
Effective Tax Rate	18.09%

Stock Price Statistics

The stock price has increased by +23.58% in the last 52 weeks. The beta is 0.76, so SmartFinancial's price volatility has been lower than the market average.

Beta (5Y)	0.76
52-Week Price Change	+23.58%
50-Day Moving Average	33.77
200-Day Moving Average	32.97
Relative Strength Index (RSI)	40.59
Average Volume (20 Days)	51,974

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)	1.33

Income Statement

In the last 12 months, SmartFinancial had revenue of $178.96 million and earned $41.74 million in profits. Earnings per share was $2.47.

Revenue	178.96M
Gross Profit	178.96M
Operating Income	60.01M
Pretax Income	32.54M
Net Income	41.74M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.47

Balance Sheet

The company has $365.10 million in cash and $46.69 million in debt, giving a net cash position of $318.40 million or $18.71 per share.

Cash & Cash Equivalents	365.10M
Total Debt	46.69M
Net Cash	318.40M
Net Cash Per Share	$18.71
Equity (Book Value)	519.13M
Book Value Per Share	30.50
Working Capital	-4.50B

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	33.54%
Pretax Margin	28.47%
Profit Margin	23.32%
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 0.96%.

Dividend Per Share	$0.32
Dividend Yield	0.96%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	12.95%
Buyback Yield	0.22%
Shareholder Yield	1.19%
Earnings Yield	7.38%
FCF Yield	n/a

Analyst Forecast

The average price target for SmartFinancial is $37.25, which is 12.10% higher than the current price. The consensus rating is "Buy".

Price Target	$37.25
Price Target Difference	12.10%
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