SmartFinancial, Inc. (SMBK)

Price$42.27

Value ScoreD

Growth ScoreB

Momentum ScoreC

Favorite Metrics

Price vs S&P 500 (26W)8.65%

Price vs S&P 500 (4W)-0.01%

VGM Score49.33

Market Capitalization$722.75M

P/E Ratio (Annual)14.36x

Indicated Dividend Yield (Annual)0.86%

All Metrics

P/CF (Annual)11.71x

Book Value / Share (Quarterly)$32.87

P/TBV (Annual)1.15x

Indicated Dividend (Annual)$0.36

Revenue Growth (3Y)13.56%

Cash Flow / Share (Quarterly)$3.28

Payout Ratio (TTM)10.35%

Price vs S&P 500 (YTD)6.12%

Net Profit Margin (TTM)22.40%

EPS (TTM)$3.12

10-Day Avg Trading Volume0.07M

EPS Excl Extra (TTM)$3.12

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)13.70x

Revenue Growth QoQ (YoY)30.68%

EPS Growth (5Y)12.96%

P/E Normalized (Annual)14.36x

ROA (Last FY)0.86%

Revenue Growth TTM (YoY)44.05%

EBITD / Share (TTM)$3.63

ROE (5Y Avg)8.15%

Operating Margin (TTM)28.43%

Cash Flow / Share (Annual)$3.48

P/B Ratio1.29x

P/B Ratio (Quarterly)1.19x

Net Income / Employee (Annual)$86,700

ROA (TTM)0.92%

EPS Growth QoQ (YoY)21.11%

EV / EBITDA (TTM)11.39x

EPS Incl Extra (Annual)$2.98

3-Month Avg Trading Volume0.07M

52-Week Price Return33.72%

EV / Free Cash Flow (Annual)13.90x

P/E Incl Extra (TTM)13.70x

Tangible BV / Share (Quarterly)$32.61

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 Return16.57%

13-Week Price Return8.75%

Total Debt / Equity (Annual)0.18x

Enterprise Value$824.66M

Revenue / Share Growth (5Y)10.91%

Book Value / Share Growth (5Y)6.52%

Revenue / Employee (Annual)$294,502,700,000

Pretax Margin (Annual)33.23%

Cash / Share (Annual)$2.62

3-Month Return Std Dev24.62%

Net Income / Employee (TTM)$90,800

EBITDA CAGR (5Y)33.08%

EBITDA Interim CAGR (5Y)16.76%

ROE (Last FY)9.11%

EPS Basic Excl Extra (Annual)$2.98

P/FCF (TTM)12.88x

EV / Free Cash Flow (TTM)14.69x

Total Debt / Equity (Quarterly)0.18x

EPS Incl Extra (TTM)$3.12

ROI (TTM)8.24%

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/E10.79x

Free OCF CAGR (5Y)20.22%

Price vs S&P 500 (52W)9.36%

P/E Ratio (TTM)13.70x

EPS Growth TTM (YoY)39.15%

Year-to-Date Return14.27%

5-Day Price Return3.48%

EPS Normalized (Annual)$2.98

ROA (5Y Avg)0.76%

Net Profit Margin (Annual)26.04%

Month-to-Date Return1.37%

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)11.33x

ROI (5Y Avg)7.09%

P/E Excl Extra (TTM)13.70x

LT Debt / Equity (Quarterly)0.18x

EPS Basic Excl Extra (TTM)$3.12

P/TBV (Quarterly)1.20x

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)0.49%

Net Margin Growth (5Y)12.38%

Dividend Yield (TTM)0.76%

Beta0.73x

P/FCF (Annual)12.18x

Revenue / Share (TTM)$9.35

ROE (TTM)9.72%

52-Week Low$30.95

vGradeD

gGradeB

mGradeC

vgmGradeC

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Earnings Surprise History

Q1 260.81est. 0.80

Analyst Recommendations

Mar 2026

Apr 2026

May 2026

Jun 2026

3.83

3.82

Industry Peers — National Banks(117)

Symbol	Value Score	Growth Score	Momentum Score	Price
SMBKSmartFinancial, Inc.	D	B	C	$42.27
JPMJPMorgan Chase & Co.	D	C	C	$312.37
BACBank of America Corporation	C	C	C	$53.83
WFCWells Fargo & Co.	D	C	D	$81.94
CCitigroup Inc.	C	C	A	$132.47
MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share)	D	B	A	$9.52
UBSUBS Group AG	C	C	B	$47.01
COFCapital One Financial	C	D	F	$180.67
PNCPNC Financial Services Group	D	C	B	$228.37
USBU.S. Bancorp	B	C	C	$55.69
TFCTruist Financial Corporation	B	C	C	$49.20

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.