SmartFinancial Statistics
Total Valuation
SmartFinancial has a market cap or net worth of $587.81 million. The enterprise value is $185.78 million.
Important Dates
The last earnings date was Tuesday, October 21, 2025, after market close.
| Earnings Date | Oct 21, 2025 |
| Ex-Dividend Date | Nov 17, 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 (%) | 15.38% |
| Owned by Institutions (%) | 58.23% |
| Float | 14.41M |
Valuation Ratios
The trailing PE ratio is 12.62 and the forward PE ratio is 10.73.
| PE Ratio | 12.62 |
| Forward PE | 10.73 |
| PS Ratio | 3.10 |
| Forward PS | 2.72 |
| PB Ratio | 1.10 |
| P/TBV Ratio | 1.33 |
| P/FCF Ratio | 10.09 |
| P/OCF Ratio | 9.54 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 4.01 |
| EV / Sales | 0.99 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 3.18 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 2.83 |
| 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 decreased by -3.12% in the last 52 weeks. The beta is 0.75, so SmartFinancial's price volatility has been lower than the market average.
| Beta (5Y) | 0.75 |
| 52-Week Price Change | -3.12% |
| 50-Day Moving Average | 35.60 |
| 200-Day Moving Average | 33.70 |
| Relative Strength Index (RSI) | 44.97 |
| Average Volume (20 Days) | 60,626 |
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) | 1.16 |
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 |
Full Income StatementBalance Sheet
The company has $570.42 million in cash and $165.67 million in debt, giving a net cash position of $404.76 million or $23.77 per share.
| Cash & Cash Equivalents | 570.42M |
| Total Debt | 165.67M |
| Net Cash | 404.76M |
| Net Cash Per Share | $23.77 |
| Equity (Book Value) | 538.48M |
| Book Value Per Share | 31.62 |
| Working Capital | -4.49B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $61.88 million and capital expenditures -$3.37 million, giving a free cash flow of $58.51 million.
| Operating Cash Flow | 61.88M |
| Capital Expenditures | -3.37M |
| Free Cash Flow | 58.51M |
| FCF Per Share | $3.44 |
Full Cash Flow StatementMargins
| 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 | 31.09% |
Dividends & Yields
This stock pays an annual dividend of $0.32, which amounts to a dividend yield of 0.93%.
| Dividend Per Share | $0.32 |
| Dividend Yield | 0.93% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 11.68% |
| Buyback Yield | 0.01% |
| Shareholder Yield | 0.93% |
| Earnings Yield | 7.84% |
| FCF Yield | 9.91% |
Dividend DetailsAnalyst Forecast
The average price target for SmartFinancial is $38.63, which is 11.91% higher than the current price. The consensus rating is "Buy".
| Price Target | $38.63 |
| Price Target Difference | 11.91% |
| 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 |
