SMBK Smartfinancial Inc

  1. Stocks
  2. Financial Services
  3. NASDAQ: SMBK

Price (delayed)

$20.52

Market cap

$350.03M

P/E Ratio

12.07

Dividend/share

$0.32

EPS

$1.7

Enterprise value

$52.94M

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 debt has contracted by 34% YoY
The equity is up by 6% year-on-year and by 3% since the previous quarter
The net income has declined by 34% year-on-year and by 19% since the previous quarter
Smartfinancial's EPS has decreased by 34% YoY and by 20% QoQ
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.smartfinancialinc.com
Peers: NRIM NKSH

Key stats

What are the main financial stats of SMBK
Market
Shares outstanding
17.06M
Market cap
$350.03M
Enterprise value
$52.94M
Valuations
Price to earnings (P/E)
12.07
Price to book (P/B)
0.76
Price to sales (P/S)
2.31
EV/EBIT
1.46
EV/EBITDA
1.06
EV/Sales
0.35
Earnings
Revenue
$149.38M
EBIT
$36.23M
EBITDA
$49.72M
Free cash flow
$34.13M
Per share
EPS
$1.7
Free cash flow per share
$2.03
Book value per share
$27.06
Revenue per share
$8.89
TBVPS
$281
Balance sheet
Total assets
$4.83B
Total liabilities
$4.37B
Debt
$55.18M
Equity
$459.89M
Working capital
N/A
Liquidity
Debt to equity
0.12
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-5.97
Margins
EBITDA margin
33.3%
Gross margin
100%
Net margin
19.1%
Operating margin
24.3%
Efficiency
Return on assets
0.6%
Return on equity
6.4%
Return on invested capital
0.8%
Return on capital employed
N/A
Return on sales
24.3%
Dividend
Dividend yield
1.56%
DPS
$0.32
Payout ratio
18.8%

SMBK stock price

How has the Smartfinancial stock price performed over time
Intraday
-1.54%
1 week
3.12%
1 month
1.13%
1 year
-5.22%
YTD
-16.21%
QTD
-2.61%

Financial performance

How have Smartfinancial's revenue and profit performed over time
Revenue
$149.38M
Gross profit
$149.38M
Operating income
$36.23M
Net income
$28.59M
Gross margin
100%
Net margin
19.1%
The net income has declined by 34% year-on-year and by 19% since the previous quarter
The operating income has contracted by 34% YoY and by 19% from the previous quarter
The operating margin has contracted by 29% YoY and by 16% from the previous quarter
The net margin has contracted by 28% YoY and by 16% from the previous quarter

Growth

What is Smartfinancial's growth rate over time

Valuation

What is Smartfinancial stock price valuation
P/E
12.07
P/B
0.76
P/S
2.31
EV/EBIT
1.46
EV/EBITDA
1.06
EV/Sales
0.35
Smartfinancial's EPS has decreased by 34% YoY and by 20% QoQ
The P/E is 20% higher than the last 4 quarters average of 10.2 and 14% higher than the 5-year quarterly average of 10.8
The P/B is 14% below the 5-year quarterly average of 0.9 and 14% below the last 4 quarters average of 0.9
The equity is up by 6% year-on-year and by 3% since the previous quarter
The P/S is 13% below the 5-year quarterly average of 2.7 and 2.5% below the last 4 quarters average of 2.4
SMBK's revenue is down by 7% year-on-year and by 4.1% since the previous quarter

Efficiency

How efficient is Smartfinancial business performance
SMBK's ROIC is down by 38% YoY and by 20% QoQ
The ROE has declined by 37% year-on-year and by 20% since the previous quarter
The ROA has contracted by 33% YoY and by 14% from the previous quarter
Smartfinancial's return on sales has decreased by 29% YoY and by 16% QoQ

Dividends

What is SMBK's dividend history
Dividend details
DPS
$0.32
Dividend yield
1.56%
Payout ratio
18.8%
Recent dividends

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 3.9% YoY
The total assets is up by 4.1% year-on-year
The debt is 88% less than the equity
The debt to equity has contracted by 37% YoY and by 8% from the previous quarter
The debt has contracted by 34% YoY

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.