SMBK
Smartfinancial
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NYSE: SMBK
- PE Ratio
As at Jun 3, 2026, the SMBK stock has a price-to-earnings ratio of 12.9. This is based on the current EPS of $3.15 and the stock price of $40.65 per share. The current PE ratio is comparable to the past four-quarter average.
SMBK PE ratio history
The mean historical PE ratio of Smartfinancial over the last ten years is 15.91. The current 12.9 P/E ratio is 19% lower than the historical average. In the past ten years, SMBK's PE ratio peaked in the Dec 2017 quarter at 38.75, with a price of $21.7 and an EPS of $0.56. The Jun 2023 quarter marked the lowest point at 8, with a price of $21.51 and an EPS of $2.69.
Smartfinancial PE ratio by year
Maximum annual increase: 71.23% in 2017
Maximum annual decrease: -67.72% in 2018
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 12.33 | -14.02% | $36.99 | $3 |
| 2024 | 14.34 | -0.49% | $30.98 | $2.16 |
| 2023 | 14.41 | 34.67% | $24.49 | $1.7 |
| 2022 | 10.7 | -12.8% | $27.5 | $2.57 |
| 2021 | 12.27 | 10.24% | $27.36 | $2.23 |
| 2020 | 11.13 | -10.6% | $18.14 | $1.63 |
| 2019 | 12.45 | -0.48% | $23.65 | $1.9 |
| 2018 | 12.51 | -67.72% | $18.27 | $1.46 |
| 2017 | 38.75 | 71.23% | $21.7 | $0.56 |
| 2016 | 22.63 | -50.77% | $18.56 | $0.82 |
| 2015 | 45.97 | N/A | $16.09 | $0.35 |
| 2014 | N/A | N/A | N/A | $0.58 |
| 2013 | N/A | N/A | N/A | $0.08 |
| 2012 | N/A | N/A | N/A | $0.08 |
| 2011 | N/A | N/A | N/A | $0.2 |
Smartfinancial PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 12.41 | 0.65% | $39.08 | $3.15 |
| Dec 2025 | 12.33 | -4.42% | $36.99 | $3 |
| Sep 2025 | 12.9 | -4.52% | $35.73 | $2.77 |
| Jun 2025 | 13.51 | -0.88% | $33.78 | $2.5 |
| Mar 2025 | 13.63 | -4.95% | $31.08 | $2.28 |
| Dec 2024 | 14.34 | -3.56% | $30.98 | $2.16 |
| Sep 2024 | 14.87 | -3.88% | $29.14 | $1.96 |
| Jun 2024 | 15.47 | 15.97% | $23.67 | $1.53 |
| Mar 2024 | 13.34 | -7.43% | $21.07 | $1.58 |
| Dec 2023 | 14.41 | 42.96% | $24.49 | $1.7 |
| Sep 2023 | 10.08 | 26% | $21.37 | $2.12 |
| Jun 2023 | 8 | -4.19% | $21.51 | $2.69 |
| Mar 2023 | 8.35 | -21.96% | $23.14 | $2.77 |
| Dec 2022 | 10.7 | -6.06% | $27.5 | $2.57 |
| Sep 2022 | 11.39 | -0.96% | $24.71 | $2.17 |
SMBK Price vs fair value
SMBK average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
The current PE ratio of SMBK is higher than its 5-year historical average, but it is lower than the 3 and 10-year averages.
PE comparison
Smartfinancial's P/E of 12.9 is above the Financial Services sector and the industry average. In comparison with its Financial Services sector average of 12.1, Smartfinancial's P/E is 7% higher.
SMBK PE vs peers
In comparison to its peer stocks NRIM and NKSH, SMBK's PE ratio is higher.
| Stock name | PE ratio | Market cap |
|---|---|---|
| NRIM Northrim Bancorp Inc | 8.44 | $551.89M |
| NKSH National Bankshares Inc | 12.64 | $222.26M |
| SMBK Smartfinancial Inc | 13.21 | $711.64M |
Frequently asked questions
What is Smartfinancial's PE ratio?
As of Jun 3, 2026, SMBK stock has a price to earnings ratio of 12.9.
What is the 3-year average PE ratio for Smartfinancial (SMBK)?
The 3-year average price to earnings ratio for SMBK stock is 12.94.
What is the 5-year average PE ratio for Smartfinancial (SMBK)?
The 5-year average price to earnings ratio for SMBK stock is 12.15.
What is the highest PE ratio for SMBK?
Over the last ten years, the quarterly PE ratio reached a historic high of 38.75 in the Dec 2017 quarter.
How does the current PE ratio for SMBK compare to its historical average?
SMBK's current price to earnings ratio is 19% below its 10-year historical average.
How is SMBK's PE ratio calculated (Smartfinancial PE ratio formula)?
To determine the P/E ratio, divide the latest stock price by the TTM earnings per share (EPS). As of today (Jun 3, 2026), Smartfinancial's stock price is $40.65. The earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $3.15. Therefore, Smartfinancial's PE ratio for today is 12.9. PE RATIO(12.9) = STOCK PRICE($40.65) / TTM EPS($3.15)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.