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SMBK Smartfinancial Inc

Price (delayed)

$32.5

Market cap

$553.07M

P/E Ratio

14.25

Dividend/share

$0.32

EPS

$2.28

Enterprise value

$177.4M

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 net income has grown by 44% year-on-year and by 5% since the previous quarter
Smartfinancial's EPS has increased by 44% YoY and by 6% QoQ
The P/E is 22% higher than the 5-year quarterly average of 11.7 but 2.4% lower than the last 4 quarters average of 14.6

Key stats

What are the main financial stats of SMBK
Market
Shares outstanding
17.02M
Market cap
$553.07M
Enterprise value
$177.4M
Valuations
Price to earnings (P/E)
14.25
Price to book (P/B)
1.09
Price to sales (P/S)
3.17
EV/EBIT
3.77
EV/EBITDA
3.05
EV/Sales
1.03
Earnings
Revenue
$171.67M
Gross profit
$171.67M
Operating income
$47.03M
Net income
$38.04M
EBIT
$47.03M
EBITDA
$58.11M
Free cash flow
$56.96M
Per share
EPS
$2.28
EPS diluted
$2.26
Free cash flow per share
$3.4
Book value per share
$29.72
Revenue per share
$10.24
TBVPS
$316.51
Balance sheet
Total assets
$5.41B
Total liabilities
$4.91B
Debt
$47.32M
Equity
$505.83M
Working capital
N/A
Liquidity
Debt to equity
0.09
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-6.46
Margins
EBITDA margin
33.9%
Gross margin
100%
Net margin
22.2%
Operating margin
27.4%
Efficiency
Return on assets
0.7%
Return on equity
7.8%
Return on invested capital
1%
Return on capital employed
N/A
Return on sales
27.4%
Dividend
Dividend yield
0.98%
DPS
$0.32
Payout ratio
14%

SMBK stock price

How has the Smartfinancial stock price performed over time
Intraday
0.31%
1 week
5.55%
1 month
15.86%
1 year
41.98%
YTD
4.91%
QTD
4.57%

Financial performance

How have Smartfinancial's revenue and profit performed over time
Revenue
$171.67M
Gross profit
$171.67M
Operating income
$47.03M
Net income
$38.04M
Gross margin
100%
Net margin
22.2%
The net income has grown by 44% year-on-year and by 5% since the previous quarter
The operating income has grown by 41% YoY and by 3.5% from the previous quarter
The net margin has grown by 24% YoY and by 2.3% from the previous quarter
The operating margin has grown by 21% YoY

Price vs fundamentals

How does SMBK's price correlate with its fundamentals

Growth

What is Smartfinancial's growth rate over time

Valuation

What is Smartfinancial stock price valuation
P/E
14.25
P/B
1.09
P/S
3.17
EV/EBIT
3.77
EV/EBITDA
3.05
EV/Sales
1.03
Smartfinancial's EPS has increased by 44% YoY and by 6% QoQ
The P/E is 22% higher than the 5-year quarterly average of 11.7 but 2.4% lower than the last 4 quarters average of 14.6
The P/B is 21% above the 5-year quarterly average of 0.9 and 9% above the last 4 quarters average of 1.0
The equity is up by 8% year-on-year and by 2.9% since the previous quarter
The P/S is 17% above the 5-year quarterly average of 2.7 and 6% above the last 4 quarters average of 3.0
SMBK's revenue is up by 16% year-on-year and by 3.2% since the previous quarter

Efficiency

How efficient is Smartfinancial business performance
The ROA has grown by 40% YoY
The ROE is up by 34% year-on-year and by 4% since the previous quarter
SMBK's ROIC is up by 25% YoY
Smartfinancial's return on sales has increased by 21% YoY

Dividends

What is SMBK's dividend history
DPS
$0.32
Dividend yield
0.98%
Payout ratio
14%
Recent dividends

Special dividends are included in TTM DPS and yield

Financial health

How did Smartfinancial financials performed over time
The total assets is 10% greater than the total liabilities
The total liabilities has grown by 9% YoY and by 2.5% from the previous quarter
The total assets is up by 9% year-on-year and by 2.6% since the previous quarter
The debt is 91% less than the equity
The debt to equity has contracted by 18% YoY and by 10% from the previous quarter
The debt has contracted by 9% YoY

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