SMBK Smartfinancial Inc
Price (delayed)
$31.07
Market cap
$525.9M
P/E Ratio
15.85
Dividend/share
$0.32
EPS
$1.96
Enterprise value
$381.65M
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 13% YoY and by 11% from the previous quarter
The equity is up by 9% year-on-year and by 3.5% since the previous quarter
The net income has grown by 28% since the previous quarter but it has declined by 8% year-on-year
Smartfinancial's EPS has increased by 28% QoQ but it has decreased by 8% YoY
The P/E is 40% higher than the 5-year quarterly average of 11.3 and 9% higher than the last 4 quarters average of 14.5
Key stats
What are the main financial stats of SMBK
Market
Valuations
Earnings
Shares outstanding
16.93M
Market cap
$525.9M
Enterprise value
$381.65M
Price to earnings (P/E)
15.85
Price to book (P/B)
1.08
Price to sales (P/S)
3.26
EV/EBIT
9.33
EV/EBITDA
7.23
EV/Sales
2.4
Revenue
$159.2M
Gross profit
$159.2M
Operating income
$40.9M
Net income
$32.69M
EBIT
$40.9M
EBITDA
$52.77M
Free cash flow
$45.14M
Per share
Balance sheet
Liquidity
EPS
$1.96
EPS diluted
$1.93
Free cash flow per share
$2.7
Book value per share
$28.89
Revenue per share
$9.52
TBVPS
$287.18
Total assets
$4.91B
Total liabilities
$4.42B
Debt
$48.66M
Equity
$489.02M
Working capital
N/A
Debt to equity
0.1
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-2.73
Margins
Efficiency
Dividend
EBITDA margin
33.1%
Gross margin
100%
Net margin
20.5%
Operating margin
25.7%
Return on assets
0.7%
Return on equity
6.9%
Return on invested capital
0.9%
Return on capital employed
N/A
Return on sales
25.7%
Dividend yield
1.03%
DPS
$0.32
Payout ratio
16.3%
SMBK stock price
How has the Smartfinancial stock price performed over time
Intraday
0.19%
1 week
-4.78%
1 month
-13.6%
1 year
47.25%
YTD
0.29%
QTD
0.29%
Financial performance
How have Smartfinancial's revenue and profit performed over time
Revenue
$159.2M
Gross profit
$159.2M
Operating income
$40.9M
Net income
$32.69M
Gross margin
100%
Net margin
20.5%
The net income has grown by 28% since the previous quarter but it has declined by 8% year-on-year
The operating income has grown by 26% from the previous quarter but it has contracted by 9% YoY
The net margin has grown by 18% from the previous quarter but it has contracted by 10% YoY
The operating margin has grown by 17% from the previous quarter but it has contracted by 11% YoY
Growth
What is Smartfinancial's growth rate over time
Valuation
What is Smartfinancial stock price valuation
P/E
15.85
P/B
1.08
P/S
3.26
EV/EBIT
9.33
EV/EBITDA
7.23
EV/Sales
2.4
The P/E is 40% higher than the 5-year quarterly average of 11.3 and 9% higher than the last 4 quarters average of 14.5
Smartfinancial's EPS has increased by 28% QoQ but it has decreased by 8% YoY
The P/B is 20% above the 5-year quarterly average of 0.9 and 20% above the last 4 quarters average of 0.9
The equity is up by 9% year-on-year and by 3.5% since the previous quarter
The P/S is 21% above the 5-year quarterly average of 2.7 and 21% above the last 4 quarters average of 2.7
SMBK's revenue is up by 7% since the previous quarter and by 2.2% year-on-year
Efficiency
How efficient is Smartfinancial business performance
The ROA has grown by 40% from the previous quarter
SMBK's ROIC is up by 29% QoQ but it is down by 10% YoY
The ROE is up by 23% since the previous quarter but it has declined by 14% year-on-year
Smartfinancial's return on sales has increased by 17% QoQ but it has decreased by 11% YoY
Dividends
What is SMBK's dividend history
DPS
$0.32
Dividend yield
1.03%
Payout ratio
16.3%
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 assets is up by 2.3% year-on-year
The debt is 90% less than the equity
The debt to equity has contracted by 23% YoY and by 17% from the previous quarter
The debt has contracted by 13% YoY and by 11% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.