SMBK Smartfinancial Inc

Price (delayed)

$27.08

Market cap

$462.06M

P/E Ratio

17.14

Dividend/share

$0.32

EPS

$1.58

Enterprise value

$36.09M

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 11% YoY and by 6% from the previous quarter
The equity is up by 5% year-on-year
The P/E is 57% higher than the 5-year quarterly average of 10.9 and 49% higher than the last 4 quarters average of 11.5
Smartfinancial's EPS has decreased by 43% YoY and by 7% QoQ

Key stats

What are the main financial stats of SMBK
Market
Shares outstanding
17.06M
Market cap
$462.06M
Enterprise value
$36.09M
Valuations
Price to earnings (P/E)
17.14
Price to book (P/B)
0.99
Price to sales (P/S)
3.09
EV/EBIT
1.08
EV/EBITDA
0.77
EV/Sales
0.24
Earnings
Revenue
$147.56M
EBIT
$33.39M
EBITDA
$46.68M
Free cash flow
$31.12M
Per share
EPS
$1.58
Free cash flow per share
$1.85
Book value per share
$27.37
Revenue per share
$8.76
TBVPS
$287.73
Balance sheet
Total assets
$4.95B
Total liabilities
$4.49B
Debt
$51.97M
Equity
$466.8M
Working capital
N/A
Liquidity
Debt to equity
0.11
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-9.12
Margins
EBITDA margin
31.6%
Gross margin
100%
Net margin
17.9%
Operating margin
22.6%
Efficiency
Return on assets
0.5%
Return on equity
5.8%
Return on invested capital
0.8%
Return on capital employed
N/A
Return on sales
22.6%
Dividend
Dividend yield
1.18%
DPS
$0.32
Payout ratio
20.3%

SMBK stock price

How has the Smartfinancial stock price performed over time
Intraday
1.54%
1 week
4.6%
1 month
23.15%
1 year
10.22%
YTD
10.58%
QTD
14.41%

Financial performance

How have Smartfinancial's revenue and profit performed over time
Revenue
$147.56M
Gross profit
$147.56M
Operating income
$33.39M
Net income
$26.45M
Gross margin
100%
Net margin
17.9%
The operating income has contracted by 44% YoY and by 8% from the previous quarter
The net income has declined by 43% year-on-year and by 7% since the previous quarter
The operating margin has contracted by 36% YoY and by 7% from the previous quarter
The net margin has contracted by 35% YoY and by 6% from the previous quarter

Growth

What is Smartfinancial's growth rate over time

Valuation

What is Smartfinancial stock price valuation
P/E
17.14
P/B
0.99
P/S
3.09
EV/EBIT
1.08
EV/EBITDA
0.77
EV/Sales
0.24
The P/E is 57% higher than the 5-year quarterly average of 10.9 and 49% higher than the last 4 quarters average of 11.5
Smartfinancial's EPS has decreased by 43% YoY and by 7% QoQ
The P/B is 24% above the last 4 quarters average of 0.8 and 10% above the 5-year quarterly average of 0.9
The equity is up by 5% year-on-year
The P/S is 29% above the last 4 quarters average of 2.4 and 14% above the 5-year quarterly average of 2.7
SMBK's revenue is down by 12% year-on-year

Efficiency

How efficient is Smartfinancial business performance
The ROA has plunged by 50% YoY and by 17% from the previous quarter
The ROE has declined by 46% year-on-year and by 9% since the previous quarter
SMBK's ROIC is down by 43% YoY
Smartfinancial's return on sales has decreased by 36% YoY and by 7% QoQ

Dividends

What is SMBK's dividend history
DPS
$0.32
Dividend yield
1.18%
Payout ratio
20.3%
Recent dividends

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 3.7% YoY and by 2.7% from the previous quarter
The total assets is up by 3.9% year-on-year and by 2.6% since the previous quarter
The debt is 89% less than the equity
The debt to equity has contracted by 15% YoY and by 8% from the previous quarter
The debt has contracted by 11% YoY and by 6% from the previous quarter

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