SmartFinancial Statistics
Total Valuation
SmartFinancial has a market cap or net worth of $830.51 million. The enterprise value is $564.86 million.
| Market Cap | 830.51M |
| Enterprise Value | 564.86M |
Important Dates
The last earnings date was Monday, October 19, 2026, after market close.
| Earnings Date | Oct 19, 2026 |
| Ex-Dividend Date | Nov 16, 2026 |
Share Statistics
SmartFinancial has 17.10 million shares outstanding. The number of shares has increased by 0.51% in one year.
| Current Share Class | 17.10M |
| Shares Outstanding | 17.10M |
| Shares Change (YoY) | +0.51% |
| Shares Change (QoQ) | +0.19% |
| Owned by Insiders (%) | 11.06% |
| Owned by Institutions (%) | 65.39% |
| Float | 15.20M |
Valuation Ratios
The trailing PE ratio is 13.24 and the forward PE ratio is 12.09.
| PE Ratio | 13.24 |
| Forward PE | 12.09 |
| PS Ratio | 3.88 |
| Forward PS | 3.39 |
| PB Ratio | 1.40 |
| P/TBV Ratio | 1.67 |
| P/FCF Ratio | 12.49 |
| P/OCF Ratio | 11.11 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 8.83 |
| EV / Sales | 2.62 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 8.42 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 0.17 |
| Debt / EBITDA | n/a |
| Debt / FCF | 1.52 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 11.13%.
| Return on Equity (ROE) | 11.13% |
| Return on Assets (ROA) | 1.03% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 7.41% |
| Revenue Per Employee | $356,864 |
| Profits Per Employee | $105,827 |
| Employee Count | 589 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, SmartFinancial has paid $12.16 million in taxes.
| Income Tax | 12.16M |
| Effective Tax Rate | 16.33% |
Stock Price Statistics
The stock price has increased by +34.34% in the last 52 weeks. The beta is 0.74, so SmartFinancial's price volatility has been lower than the market average.
| Beta (5Y) | 0.74 |
| 52-Week Price Change | +34.34% |
| 50-Day Moving Average | 50.19 |
| 200-Day Moving Average | 45.43 |
| Relative Strength Index (RSI) | 39.58 |
| Average Volume (20 Days) | 111,625 |
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) | 5.18 |
Income Statement
In the last 12 months, SmartFinancial had revenue of $210.19 million and earned $62.33 million in profits. Earnings per share was $3.67.
| Revenue | 210.19M |
| Gross Profit | 210.19M |
| Operating Income | 84.21M |
| Pretax Income | 74.50M |
| Net Income | 62.33M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $3.67 |
Balance Sheet
The company has $364.88 million in cash and $99.22 million in debt, with a net cash position of $265.65 million or $15.54 per share.
| Cash & Cash Equivalents | 364.88M |
| Total Debt | 99.22M |
| Net Cash | 265.65M |
| Net Cash Per Share | $15.54 |
| Equity (Book Value) | 581.26M |
| Book Value Per Share | 33.99 |
| Working Capital | -5.20B |
Cash Flow
In the last 12 months, operating cash flow was $73.44 million and capital expenditures -$8.08 million, giving a free cash flow of $65.36 million.
| Operating Cash Flow | 73.44M |
| Capital Expenditures | -8.08M |
| Depreciation & Amortization | n/a |
| Net Borrowing | 52.20M |
| Free Cash Flow | 65.36M |
| FCF Per Share | $3.82 |
Margins
| Gross Margin | n/a |
| Operating Margin | 40.06% |
| Pretax Margin | 35.44% |
| Profit Margin | 29.65% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 32.01% |
Dividends & Yields
This stock pays an annual dividend of $0.36, which amounts to a dividend yield of 0.74%.
| Dividend Per Share | $0.36 |
| Dividend Yield | 0.74% |
| Dividend Growth (YoY) | 9.38% |
| Years of Dividend Growth | n/a |
| Payout Ratio | 9.81% |
| FCF Payout Ratio | 9.42% |
| Buyback Yield | -0.51% |
| Shareholder Yield | 0.24% |
| Earnings Yield | 7.55% |
| FCF Yield | 8.01% |
Analyst Forecast
The average price target for SmartFinancial is $52.38, which is 7.82% higher than the current price. The consensus rating is "Hold".
| Price Target | $52.38 |
| Price Target Difference | 7.82% |
| Analyst Consensus | Hold |
| Analyst Count | 6 |
| Revenue Growth Forecast (3Y) | 9.98% |
| EPS Growth Forecast (3Y) | 15.06% |
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 | |
| Graham Formula Value | |
| Graham Formula 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 |