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SmartFinancial, Inc.

Data quality: 100%
SMBK
NYSE Financial Services Banks - Regional
$38.51
▼ $0.16 (-0.41%)
Mkt Cap: 655.80M
Day Range
$38.13 $39.16
52-Week Range
$26.31 $43.91
Volume
44,241
50D / 200D Avg
$39.86 / $36.64
Prev Close
$38.67

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (854 peers)

Metric Stock Sector Median
P/E 13.0 10.3
P/B 1.2 1.1
ROE % 9.7 11.7
Net Margin % 15.9 16.8
Rev Growth 5Y % 20.7 11.6
D/E 0.2 0.5

Analyst Price Target

Hold
$43.75 +13.6%
Low: $39.50 High: $48.00
Forward P/E
11.0
Forward EPS
$3.52
EPS Growth (est.)
+0.0%
Est. Revenue
220 M

Earnings Estimates

Period EPS Est. Revenue Est. Analysts
FY2027 $4.05
$3.96 – $4.13
250 M 5
FY2026 $3.52
$3.49 – $3.55
220 M 5

Key Takeaways

Revenue grew 20.68% annually over 5 years — strong growth
Earnings grew 39.31% over the past year
Net margin of 15.91% shows strong profitability
Debt/Equity of 0.18 — conservative balance sheet
Generating 61.72M in free cash flow
P/E of 13.03 — trading at a low valuation

Growth

Revenue Growth (5Y)
20.68%
Revenue (1Y)10.90%
Earnings (1Y)39.31%
FCF Growth (3Y)35.85%

Quality

Return on Equity
9.65%
ROIC7.05%
Net Margin15.91%
Op. Margin19.44%

Safety

Debt / Equity
0.18
Current Ratio1.06
Interest Coverage0.51

Valuation

P/E Ratio
13.03
P/B Ratio1.19
EV/EBITDA6.08
Dividend Yield0.01%

All Fundamental Metrics

Growth
Revenue Growth (1Y) 10.90% Revenue Growth (3Y) 14.72%
Earnings Growth (1Y) 39.31% Earnings Growth (3Y) 32.70%
Revenue Growth (5Y) 20.68% Earnings Growth (5Y) 9.68%
Profitability
Revenue (TTM) 316.37M Net Income (TTM) 50.35M
ROE 9.65% ROA 0.88%
Gross Margin 60.97% Operating Margin 19.44%
Net Margin 15.91% Free Cash Flow (TTM) 61.72M
ROIC 7.05% FCF Growth (3Y) 35.85%
Safety
Debt / Equity 0.18 Current Ratio 1.06
Interest Coverage 0.51 Dividend Yield 0.01%
Valuation
P/E Ratio 13.03 P/B Ratio 1.19
P/S Ratio 2.07 PEG Ratio 0.31
EV/EBITDA 6.08 Dividend Yield 0.01%
Market Cap 655.80M Enterprise Value 374.00M

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 316.37M 285.27M 240.37M 186.55M 149.18M
Net Income 50.35M 36.14M 28.59M 43.02M 34.79M
EPS (Diluted) 2.98 2.14 1.69 2.55 2.22
Gross Profit 192.88M 166.35M 149.38M 161.20M 135.71M
Operating Income 61.50M 45.46M 36.23M 54.91M 44.32M

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 5.74B 5.28B 4.83B 4.64B 4.61B
Total Liabilities 5.19B 4.78B 4.37B 4.21B 4.18B
Shareholders' Equity 552.38M 491.35M 459.89M 432.45M 429.43M
Total Debt 102.09M 47.78M 55.20M 83.92M 141.73M
Cash & Equivalents 383.88M 373.51M 294.82M 251.11M 1.01B
Current Assets 5.34B 748.69M 771.35M 801.14M 1.54B
Current Liabilities 5.04B 4.69B 4.28B 4.09B 4.03B

Strategy Scores

This stock passed the criteria for 2 strategies

Score = fit strength (0–100)
Rank = position among all matches
#860 of 1052
29
#204 of 332
46

Recent Activity

Entered Cash Flow Compounder
Mar 24, 2026
Entered Growth at a Reasonable Price (Peter Lynch)
Mar 24, 2026