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Price (delayed)
$32.09
Market cap
$543.1M
P/E Ratio
20.97
Dividend/share
$0.32
EPS
$1.53
Enterprise value
$255.13M
SmartFinancial, Inc., based in Knoxville, Tennessee, is the publicly-traded bank holding company for SmartBank. SmartBank is a full-service commercial bank founded in 2007 with 35 branches spanning East and Middle
Highlights
The equity is up by 6% year-on-year
The debt has grown by 6% from the previous quarter but it has contracted by 4.7% YoY
The P/E is 83% higher than the 5-year quarterly average of 11.1 and 53% higher than the last 4 quarters average of 13.3
Smartfinancial's EPS has decreased by 43% YoY and by 3.2% QoQ
Key stats
What are the main financial stats of SMBK
Market
Valuations
Earnings
Shares outstanding
16.92M
Market cap
$543.1M
Enterprise value
$255.13M
Price to earnings (P/E)
20.97
Price to book (P/B)
1.16
Price to sales (P/S)
3.62
EV/EBIT
7.84
EV/EBITDA
5.66
EV/Sales
1.72
Revenue
$148.5M
EBIT
$32.54M
EBITDA
$45.09M
Free cash flow
$39.54M
Per share
Balance sheet
Liquidity
EPS
$1.53
Free cash flow per share
$2.36
Book value per share
$27.69
Revenue per share
$8.85
TBVPS
$285.32
Total assets
$4.89B
Total liabilities
$4.42B
Debt
$54.87M
Equity
$472.47M
Working capital
N/A
Debt to equity
0.12
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-6.39
Margins
Efficiency
Dividend
EBITDA margin
30.4%
Gross margin
100%
Net margin
17.3%
Operating margin
21.9%
Return on assets
0.5%
Return on equity
5.6%
Return on invested capital
0.7%
Return on capital employed
N/A
Return on sales
21.9%
Dividend yield
1%
DPS
$0.32
Payout ratio
20.9%
SMBK stock price
How has the Smartfinancial stock price performed over time
Intraday
3.35%
1 week
3.58%
1 month
8.52%
1 year
57.69%
YTD
31.03%
QTD
10.12%
Financial performance
How have Smartfinancial's revenue and profit performed over time
Revenue
$148.5M
Gross profit
$148.5M
Operating income
$32.54M
Net income
$25.62M
Gross margin
100%
Net margin
17.3%
The operating income has contracted by 43% YoY and by 2.5% from the previous quarter
The net income has declined by 43% year-on-year and by 3.1% since the previous quarter
The net margin has contracted by 36% YoY and by 3.4% from the previous quarter
The operating margin has contracted by 36% YoY and by 3.1% from the previous quarter
Growth
What is Smartfinancial's growth rate over time
Valuation
What is Smartfinancial stock price valuation
P/E
20.97
P/B
1.16
P/S
3.62
EV/EBIT
7.84
EV/EBITDA
5.66
EV/Sales
1.72
The P/E is 83% higher than the 5-year quarterly average of 11.1 and 53% higher than the last 4 quarters average of 13.3
Smartfinancial's EPS has decreased by 43% YoY and by 3.2% QoQ
The P/B is 40% above the last 4 quarters average of 0.8 and 24% above the 5-year quarterly average of 0.9
The equity is up by 6% year-on-year
The P/S is 40% above the last 4 quarters average of 2.5 and 30% above the 5-year quarterly average of 2.7
SMBK's revenue is down by 11% year-on-year
Efficiency
How efficient is Smartfinancial business performance
SMBK's ROIC is down by 46% YoY and by 13% QoQ
The ROE has declined by 46% year-on-year and by 3.4% since the previous quarter
The ROA has contracted by 44% YoY
Smartfinancial's return on sales has decreased by 36% YoY and by 3.1% QoQ
Dividends
What is SMBK's dividend history
DPS
$0.32
Dividend yield
1%
Payout ratio
20.9%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Smartfinancial financials performed over time
The total assets is 11% greater than the total liabilities
The total liabilities has grown by 2.7% YoY
The total assets is up by 3.1% year-on-year
The debt is 88% less than the equity
The debt to equity has grown by 9% from the previous quarter but it has contracted by 8% YoY
The debt has grown by 6% from the previous quarter but it has contracted by 4.7% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.