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SmartFinancial, Inc. SMBK

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Price alert · SMBK

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48.47 USD -0.60 -1.22%

At close · Oct 30

48.47 0.00 0.00%

After hours · Oct 30, 4:00 PM ET

Bid
48.34 × 300
Ask
48.49 × 400
48.25 Day range 49.16
34.61 52-week range 53.23
YTD
+31.04%
1 year
+37.43%
Open
49.16
Prev close
49.07
Mkt cap
828.76M
Vol
77.23K
Avg vol
118.03K
EPS
3.67
P/E
13.21
Div yield
1.02%
More statistics
Low
48.25
High
49.16
Forward P/E
13.31
Beta
0.67
Short ratio
0.91
Inst. own
55.94%
Dividend
0.32
Ex-div date
Nov 11, 2024
Earnings
Jan 27, 2025
50-d avg
34.04
200-d avg
26.83
1y target
35.29

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Financial health

Altman Z-Score

-0.61 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 3
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 4
  • P/E 2
  • P/B 2

Valuation

P/E 12.3×
FY 2016: 22.6×FY 2017: 38.7×FY 2018: 12.5×FY 2019: 12.4×FY 2020: 11.1×FY 2021: 12.3×FY 2022: 10.7×FY 2023: 14.4×FY 2024: 14.3×FY 2025: 12.3×
FY 2016 5y median 12.3× FY 2025
P/S 2.0×
FY 2016: 2.4×FY 2017: 3.4×FY 2018: 2.3×FY 2019: 2.9×FY 2020: 2.0×FY 2021: 2.9×FY 2022: 2.5×FY 2023: 1.7×FY 2024: 1.8×FY 2025: 2.0×
FY 2016 5y median 2.0× FY 2025
P/B 1.1×
FY 2016: 1.0×FY 2017: 0.9×FY 2018: 0.8×FY 2019: 1.1×FY 2020: 0.8×FY 2021: 1.0×FY 2022: 1.1×FY 2023: 0.9×FY 2024: 1.1×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025
P/FCF 10.5×
FY 2016: 23.8×FY 2017: -120×FY 2018: 13.4×FY 2019: 14.0×FY 2020: 11.5×FY 2021: 9.7×FY 2022: 10.4×FY 2023: 12.3×FY 2024: 11.2×FY 2025: 10.5×
FY 2016 5y median 10.5× FY 2025
EV/EBITDA 3.6×
FY 2016: 7.6×FY 2017: 15.3×FY 2018: 7.0×FY 2019: 6.4×FY 2020: -0.6×FY 2021: -8.2×FY 2022: 4.3×FY 2023: 3.5×FY 2024: 3.4×FY 2025: 3.6×
FY 2016 5y median 3.5× FY 2025
EV/Sales 0.8×
FY 2016: 1.9×FY 2017: 2.7×FY 2018: 1.8×FY 2019: 2.1×FY 2020: -0.2×FY 2021: -2.9×FY 2022: 1.6×FY 2023: 0.7×FY 2024: 0.7×FY 2025: 0.8×
FY 2016 5y median 0.7× FY 2025
FCF Yield 9.6%
FY 2016: 4.2%FY 2017: -0.8%FY 2018: 7.5%FY 2019: 7.2%FY 2020: 8.7%FY 2021: 10.3%FY 2022: 9.6%FY 2023: 8.1%FY 2024: 8.9%FY 2025: 9.6%
FY 2016 5y median 9.6% FY 2025

Profitability

Gross Margin 61.0%
FY 2016: 88.8%FY 2017: 88.4%FY 2018: 80.9%FY 2019: 76.4%FY 2020: 80.9%FY 2021: 91.0%FY 2022: 86.4%FY 2023: 62.1%FY 2024: 58.3%FY 2025: 61.0%
FY 2016 5y median 62.1% FY 2025
Operating Margin 19.4%
FY 2016: 20.1%FY 2017: 20.6%FY 2018: 22.1%FY 2019: 29.0%FY 2020: 23.2%FY 2021: 29.7%FY 2022: 29.4%FY 2023: 15.1%FY 2024: 15.9%FY 2025: 19.4%
FY 2016 5y median 19.4% FY 2025
Net Margin 15.9%
FY 2016: 12.7%FY 2017: 9.0%FY 2018: 18.7%FY 2019: 23.1%FY 2020: 18.3%FY 2021: 23.3%FY 2022: 23.1%FY 2023: 11.9%FY 2024: 12.7%FY 2025: 15.9%
FY 2016 5y median 15.9% FY 2025
ROE 9.1%
FY 2016: 5.5%FY 2017: 2.4%FY 2018: 6.4%FY 2019: 8.5%FY 2020: 6.8%FY 2021: 8.1%FY 2022: 9.9%FY 2023: 6.2%FY 2024: 7.4%FY 2025: 9.1%
FY 2016 5y median 8.1% FY 2025
ROIC 7.1%
FY 2016: 3.9%FY 2017: 1.8%FY 2018: 5.2%FY 2019: 6.6%FY 2020: 4.9%FY 2021: 5.9%FY 2022: 7.7%FY 2023: 5.1%FY 2024: 6.1%FY 2025: 7.1%
FY 2016 5y median 6.1% FY 2025
ROA 0.9%
FY 2016: 0.5%FY 2017: 0.3%FY 2018: 0.8%FY 2019: 1.1%FY 2020: 0.7%FY 2021: 0.8%FY 2022: 0.9%FY 2023: 0.6%FY 2024: 0.7%FY 2025: 0.9%
FY 2016 5y median 0.8% FY 2025

Growth (YoY)

Revenue 10.9%
FY 2016: 55.9%FY 2017: 22.1%FY 2018: 73.8%FY 2019: 19.1%FY 2020: 15.5%FY 2021: 12.1%FY 2022: 25.0%FY 2023: 28.8%FY 2024: 18.7%FY 2025: 10.9%
FY 2016 FY 2025
Operating Income 35.3%
FY 2016: 190.8%FY 2017: 24.9%FY 2018: 86.4%FY 2019: 56.8%FY 2020: -7.6%FY 2021: 43.5%FY 2022: 23.9%FY 2023: -34.0%FY 2024: 25.5%FY 2025: 35.3%
FY 2016 FY 2025
EPS (diluted) 39.3%
FY 2016: 212.0%FY 2017: -28.2%FY 2018: 155.4%FY 2019: 32.2%FY 2020: -14.3%FY 2021: 37.0%FY 2022: 14.9%FY 2023: -33.7%FY 2024: 26.6%FY 2025: 39.3%
FY 2016 FY 2025
Free Cash Flow 28.2%
FY 2016: 264.9%FY 2017: -133.9%FY 2018: 1189.2%FY 2019: 39.0%FY 2020: 0.1%FY 2021: 85.4%FY 2022: 1.1%FY 2023: -24.5%FY 2024: 38.4%FY 2025: 28.2%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.4×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.2×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.4×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.2×
FY 2016: 0.4×FY 2017: 0.3×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Net Debt / EBITDA -5.1×
FY 2016: -2.1×FY 2017: -3.9×FY 2018: -2.2×FY 2019: -2.4×FY 2020: -7.6×FY 2021: -16.2×FY 2022: -2.5×FY 2023: -4.8×FY 2024: -5.7×FY 2025: -5.1×
FY 2016 5y median -5.1× FY 2025
Interest Coverage 0.5×
FY 2016: 2.1×FY 2017: 2.0×FY 2018: 1.4×FY 2019: 1.4×FY 2020: 1.8×FY 2021: 3.7×FY 2022: 2.6×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 0.5×
FY 2016 5y median 0.5× FY 2025

Dividends

Dividend Yield 0.9%
FY 2016: 0.7%FY 2017: 0.1%FY 2018: 0.0%FY 2019: 0.2%FY 2020: 1.1%FY 2021: 0.9%FY 2022: 1.0%FY 2023: 1.3%FY 2024: 1.0%FY 2025: 0.9%
FY 2016 5y median 1.0% FY 2025
Payout Ratio 10.8%
FY 2016: 13.0%FY 2017: 3.9%FY 2018: 0.0%FY 2019: 2.6%FY 2020: 12.3%FY 2021: 10.7%FY 2022: 11.0%FY 2023: 19.0%FY 2024: 15.0%FY 2025: 10.8%
FY 2016 5y median 11.0% FY 2025

Annual · latest fiscal year ends 2025-12-31