SmartFinancial Statistics
Total Valuation
SmartFinancial has a market cap or net worth of $905.54 million. The enterprise value is $625.56 million.
| Market Cap | 905.54M |
| Enterprise Value | 625.56M |
Important Dates
The last earnings date was Monday, July 20, 2026, after market close.
| Earnings Date | Jul 20, 2026 |
| Ex-Dividend Date | Jul 31, 2026 |
Share Statistics
SmartFinancial has 17.10 million shares outstanding. The number of shares has increased by 0.41% in one year.
| Current Share Class | 17.10M |
| Shares Outstanding | 17.10M |
| Shares Change (YoY) | +0.41% |
| Shares Change (QoQ) | +0.15% |
| Owned by Insiders (%) | 11.22% |
| Owned by Institutions (%) | 64.58% |
| Float | 15.18M |
Valuation Ratios
The trailing PE ratio is 15.62 and the forward PE ratio is 13.38.
| PE Ratio | 15.62 |
| Forward PE | 13.38 |
| PS Ratio | 4.43 |
| Forward PS | 3.82 |
| PB Ratio | 1.57 |
| P/TBV Ratio | 1.88 |
| P/FCF Ratio | 16.13 |
| P/OCF Ratio | 14.19 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 10.90 |
| EV / Sales | 3.06 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 11.14 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 1.77 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 10.47%.
| Return on Equity (ROE) | 10.47% |
| Return on Assets (ROA) | 0.99% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 7.28% |
| Revenue Per Employee | $346,666 |
| Profits Per Employee | $97,436 |
| Employee Count | 589 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, SmartFinancial has paid $13.59 million in taxes.
| Income Tax | 13.59M |
| Effective Tax Rate | 19.14% |
Stock Price Statistics
The stock price has increased by +49.99% in the last 52 weeks. The beta is 0.70, so SmartFinancial's price volatility has been lower than the market average.
| Beta (5Y) | 0.70 |
| 52-Week Price Change | +49.99% |
| 50-Day Moving Average | 45.41 |
| 200-Day Moving Average | 40.42 |
| Relative Strength Index (RSI) | 78.33 |
| Average Volume (20 Days) | 122,078 |
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 | 0.86% |
| Short Ratio (days to cover) | 2.76 |
Income Statement
In the last 12 months, SmartFinancial had revenue of $204.19 million and earned $57.39 million in profits. Earnings per share was $3.39.
| Revenue | 204.19M |
| Gross Profit | 204.19M |
| Operating Income | 81.37M |
| Pretax Income | 70.98M |
| Net Income | 57.39M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $3.39 |
Balance Sheet
The company has $379.39 million in cash and $99.41 million in debt, with a net cash position of $279.98 million or $16.37 per share.
| Cash & Cash Equivalents | 379.39M |
| Total Debt | 99.41M |
| Net Cash | 279.98M |
| Net Cash Per Share | $16.37 |
| Equity (Book Value) | 576.92M |
| Book Value Per Share | 33.73 |
| Working Capital | -4.99B |
Cash Flow
In the last 12 months, operating cash flow was $63.80 million and capital expenditures -$7.66 million, giving a free cash flow of $56.13 million.
| Operating Cash Flow | 63.80M |
| Capital Expenditures | -7.66M |
| Depreciation & Amortization | n/a |
| Net Borrowing | 54.13M |
| Free Cash Flow | 56.13M |
| FCF Per Share | $3.28 |
Margins
| Gross Margin | n/a |
| Operating Margin | 39.85% |
| Pretax Margin | 34.76% |
| Profit Margin | 28.11% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 28.56% |
Dividends & Yields
This stock pays an annual dividend of $0.36, which amounts to a dividend yield of 0.68%.
| Dividend Per Share | $0.36 |
| Dividend Yield | 0.68% |
| Dividend Growth (YoY) | 6.25% |
| Years of Dividend Growth | n/a |
| Payout Ratio | 10.62% |
| Buyback Yield | -0.41% |
| Shareholder Yield | 0.27% |
| Earnings Yield | 6.34% |
| FCF Yield | 6.20% |
Analyst Forecast
The average price target for SmartFinancial is $51.38, which is -2.98% lower than the current price. The consensus rating is "Buy".
| Price Target | $51.38 |
| Price Target Difference | -2.98% |
| Analyst Consensus | Buy |
| Analyst Count | 6 |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | 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 | 4 |