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SmartFinancial, Inc. (SMBK)
Price$42.76
Favorite Metrics
Price vs S&P 500 (26W)17.99%
Price vs S&P 500 (4W)4.40%
Market Capitalization$731.07M
P/E Ratio (Annual)14.52x
Indicated Dividend Yield (Annual)0.76%
All Metrics
P/CF (Annual)11.84x
Book Value / Share (Quarterly)$32.44
P/TBV (Annual)1.15x
Indicated Dividend (Annual)$0.32
Revenue Growth (3Y)13.56%
Cash Flow / Share (Quarterly)$3.48
Payout Ratio (TTM)10.83%
Price vs S&P 500 (YTD)10.43%
Net Profit Margin (TTM)22.40%
EPS (TTM)$2.98
10-Day Avg Trading Volume0.06M
EPS Excl Extra (TTM)$2.98
Revenue Growth (5Y)25.01%
EPS (Annual)$2.98
Dividend / Share (Annual)$0.32
ROI (Annual)7.70%
Net Profit Margin (5Y Avg)24.41%
Cash / Share (Quarterly)$3.70
P/E Basic Excl Extra (TTM)14.52x
Revenue Growth QoQ (YoY)30.68%
EPS Growth (5Y)12.96%
P/E Normalized (Annual)14.52x
ROA (Last FY)0.86%
Revenue Growth TTM (YoY)44.05%
EBITD / Share (TTM)$4.09
ROE (5Y Avg)8.15%
Operating Margin (TTM)28.43%
Cash Flow / Share (Annual)$3.48
P/B Ratio1.32x
P/B Ratio (Quarterly)1.14x
Net Income / Employee (Annual)$0
ROA (TTM)0.89%
EPS Growth QoQ (YoY)42.74%
EV / EBITDA (TTM)12.05x
EPS Incl Extra (Annual)$2.98
3-Month Avg Trading Volume0.08M
52-Week Price Return51.09%
EV / Free Cash Flow (Annual)14.03x
P/E Incl Extra (TTM)14.52x
Tangible BV / Share (Quarterly)$32.15
P/S Ratio (Annual)2.26x
52-Week High$43.91
EPS Excl Extra (Annual)$2.98
CapEx CAGR (5Y)-15.18%
Tangible BV CAGR (5Y)9.69%
26-Week Price Return26.73%
13-Week Price Return9.76%
Total Debt / Equity (Annual)0.18x
Enterprise Value$832.738
Revenue / Share Growth (5Y)10.91%
Book Value / Share Growth (5Y)6.52%
Revenue / Employee (Annual)$294,503
Pretax Margin (Annual)33.23%
Cash / Share (Annual)$2.62
3-Month Return Std Dev28.10%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)13.35%
EBITDA Interim CAGR (5Y)6.57%
ROE (Last FY)9.11%
EPS Basic Excl Extra (Annual)$2.98
P/FCF (TTM)12.32x
EV / Free Cash Flow (TTM)14.03x
Total Debt / Equity (Quarterly)0.18x
EPS Incl Extra (TTM)$2.98
ROI (TTM)8.22%
Dividend Growth Rate (5Y)9.34%
P/S Ratio (TTM)2.36x
Pretax Margin (5Y Avg)30.75%
Revenue / Share (Annual)$9.79
Tangible BV / Share (Annual)$32.15
Forward P/E11.90x
Free OCF CAGR (5Y)20.22%
Price vs S&P 500 (52W)15.99%
P/E Ratio (TTM)14.52x
EPS Growth TTM (YoY)40.00%
Year-to-Date Return14.57%
5-Day Price Return-0.09%
EPS Normalized (Annual)$2.98
ROA (5Y Avg)0.76%
Net Profit Margin (Annual)26.04%
Month-to-Date Return8.44%
Cash Flow / Share (TTM)$2.86
EBITD / Share (Annual)$4.09
EPS Growth (3Y)5.41%
Operating Margin (Annual)33.23%
LT Debt / Equity (Annual)0.18x
P/CF (TTM)11.84x
ROI (5Y Avg)7.09%
P/E Excl Extra (TTM)14.52x
LT Debt / Equity (Quarterly)0.18x
EPS Basic Excl Extra (TTM)$2.98
P/TBV (Quarterly)1.15x
Payout Ratio (Annual)10.83%
P/B Ratio (Annual)1.14x
Dividend / Share (TTM)$0.32
Pretax Margin (TTM)28.43%
Book Value / Share (Annual)$32.44
Price vs S&P 500 (13W)6.90%
Net Margin Growth (5Y)12.38%
Dividend Yield (TTM)0.75%
Beta0.76x
P/FCF (Annual)12.32x
Revenue / Share (TTM)$9.35
ROE (TTM)9.52%
52-Week Low$27.88
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
3.75
3.83
3.83
3.83
Industry Peers — National Banks(97)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
SMBKSmartFinancial, Inc. | 1.14x | 9.52% | 0.89% | — | $42.76 |
JPMJPMorgan Chase & Co. | 2.17x | 16.32% | 1.28% | — | $316.99 |
BACBank of America Corporation | 1.16x | 10.50% | 0.92% | — | $53.95 |
WFCWells Fargo & Co. | 1.37x | 12.02% | 1.03% | — | $81.97 |
CCitigroup Inc. | 0.92x | 7.55% | 0.60% | — | $133.05 |
COFCapital One Financial | 1.36x | 2.44% | 0.40% | — | $205.71 |
UBSUBS Group AG | 1.64x | 8.71% | 0.48% | — | $43.82 |
MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share) | 1.27x | 9.73% | 0.37% | — | $8.60 |
PNCPNC Financial Services Group | 1.32x | 11.98% | 1.25% | — | $227.03 |
USBU.S. Bancorp | 1.23x | 12.21% | 1.13% | — | $57.00 |
TFCTruist Financial Corporation | 0.89x | 8.51% | 1.01% | — | $50.84 |
About
SmartFinancial Inc is a bank holding company operating SmartBank, which serves individual and corporate customers. The bank generates revenue primarily through interest income on loans and securities, funded by customer deposits. Its loan portfolio encompasses commercial loans, real estate financing, consumer loans, and construction lending.