SmartFinancial Statistics
Total Valuation
SmartFinancial has a market cap or net worth of $713.01 million. The enterprise value is $480.17 million.
Important Dates
The next estimated earnings date is Monday, July 20, 2026, after market close.
| Earnings Date | Jul 20, 2026 |
| Ex-Dividend Date | May 15, 2026 |
Share Statistics
SmartFinancial has 17.10 million shares outstanding. The number of shares has increased by 0.30% in one year.
| Current Share Class | 17.10M |
| Shares Outstanding | 17.10M |
| Shares Change (YoY) | +0.30% |
| Shares Change (QoQ) | +0.08% |
| Owned by Insiders (%) | 11.18% |
| Owned by Institutions (%) | 64.57% |
| Float | 15.19M |
Valuation Ratios
The trailing PE ratio is 13.37 and the forward PE ratio is 10.92.
| PE Ratio | 13.37 |
| Forward PE | 10.92 |
| PS Ratio | 3.63 |
| Forward PS | 3.05 |
| PB Ratio | 1.27 |
| P/TBV Ratio | 1.53 |
| P/FCF Ratio | 12.70 |
| P/OCF Ratio | 11.18 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 9.10 |
| EV / Sales | 2.44 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 8.55 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 2.22 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 9.88%.
| Return on Equity (ROE) | 9.88% |
| Return on Assets (ROA) | 0.93% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 7.03% |
| Revenue Per Employee | $333,664 |
| Profits Per Employee | $89,598 |
| Employee Count | 589 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, SmartFinancial has paid $11.93 million in taxes.
| Income Tax | 11.93M |
| Effective Tax Rate | 18.44% |
Stock Price Statistics
The stock price has increased by +32.00% in the last 52 weeks. The beta is 0.73, so SmartFinancial's price volatility has been lower than the market average.
| Beta (5Y) | 0.73 |
| 52-Week Price Change | +32.00% |
| 50-Day Moving Average | 40.97 |
| 200-Day Moving Average | 38.36 |
| Relative Strength Index (RSI) | 53.20 |
| Average Volume (20 Days) | 58,566 |
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) | 3.49 |
Income Statement
In the last 12 months, SmartFinancial had revenue of $196.53 million and earned $52.77 million in profits. Earnings per share was $3.12.
| Revenue | 196.53M |
| Gross Profit | 196.53M |
| Operating Income | 75.24M |
| Pretax Income | 64.70M |
| Net Income | 52.77M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $3.12 |
Full Income StatementBalance Sheet
The company has $357.61 million in cash and $124.78 million in debt, with a net cash position of $232.83 million or $13.62 per share.
| Cash & Cash Equivalents | 357.61M |
| Total Debt | 124.78M |
| Net Cash | 232.83M |
| Net Cash Per Share | $13.62 |
| Equity (Book Value) | 562.16M |
| Book Value Per Share | 32.87 |
| Working Capital | -4.83B |
Full Balance SheetCash 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 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 38.28% |
| Pretax Margin | 32.92% |
| Profit Margin | 26.85% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 28.56% |
Dividends & Yields
This stock pays an annual dividend of $0.32, which amounts to a dividend yield of 0.77%.
| Dividend Per Share | $0.32 |
| Dividend Yield | 0.77% |
| Dividend Growth (YoY) | 3.13% |
| Years of Dividend Growth | n/a |
| Payout Ratio | 10.58% |
| Buyback Yield | -0.30% |
| Shareholder Yield | 0.47% |
| Earnings Yield | 7.40% |
| FCF Yield | 7.87% |
Dividend DetailsAnalyst Forecast
The average price target for SmartFinancial is $46.15, which is 10.67% higher than the current price. The consensus rating is "Hold".
| Price Target | $46.15 |
| Price Target Difference | 10.67% |
| Analyst Consensus | Hold |
| Analyst Count | 5 |
| 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 |
