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    • SmartFinancial Inc. logo

    SmartFinancial Inc.

    SMBK | NYSE
    Chart Builder DCF Calculator
    $51.72
    +$0.03 (+0.06%)
    Sep 21, 2026, 1:42 PM ET · Market open
    Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

    Market Data

    Market Cap
    $883.82M
    Enterprise Value
    $603.84M
    Beta
    0.68
    Average Volume
    104.24K
    Shares Outstanding (Diluted)
    16.96M
    Shares Change YoY
    0.49%
    Institutional Ownership
    64.50%
    Exchange
    NYSE
    ISIN
    US83190L2088

    Price Performance

    Price Change 1M
    -0.7%
    Price Change 3M
    15.3%
    Price Change 6M
    33.7%
    Price Change YTD
    41.4%
    Price Change 1Y
    36.6%
    Price Change 3Y
    135.7%
    Price Change 5Y
    101.7%
    1M CAGR (ann.)
    -1.9%
    1Y CAGR (ann.)
    41.4%
    5Y CAGR (ann.)
    17.0%
    All-Time CAGR
    0.8%

    Valuation

    PE Ratio
    15.25
    Forward PE
    12.30
    PEG Ratio
    0.40
    Forward PEG
    1.25
    PS Ratio
    2.67
    Forward PS
    3.60
    PB Ratio
    1.53
    P/FCF Ratio
    16.41
    P/Adj. FCF Ratio
    17.01
    P/OCF Ratio
    11.83
    EV/Sales
    1.82
    EV/EBIT
    8.51
    EV/EBITDA
    8.12
    EV/FCF
    11.21
    Earnings Yield
    6.6%
    FCF Yield
    6.1%
    Adj. FCF Yield
    5.9%

    Financial Health

    Net Cash
    $279.98M
    Total Debt
    $99.41M
    Cash & Short-Term Investments
    $379.39M
    Total Assets
    $6.12B
    Current Ratio
    260.57
    Quick Ratio
    260.57
    Debt / Equity Ratio
    0.19
    Debt / EBITDA
    1.34
    Debt / FCF
    1.85
    OCF / Debt
    0.64
    Interest Coverage
    0.59
    Altman Z-Score
    0.33
    Piotroski F-Score
    5

    Margins & Profitability

    Gross Profit Margin
    63.0%
    Operating Profit Margin
    21.4%
    EBITDA Margin
    22.5%
    Net Profit Margin
    17.3%
    FCF Margin
    16.3%
    Adj. FCF Margin
    15.7%
    SBC / Revenue
    0.6%
    SBC Impact (per share)
    -3.5%

    Returns

    Return on Assets
    0.9%
    Return on Equity
    10.3%
    Return on Invested Capital
    0.9%
    Return on Capital Employed
    1.2%
    Return on Tangible Assets
    0.9%

    Historical Growth (CAGR)

    Revenue CAGR 3Y
    14.2%
    Revenue CAGR 5Y
    19.1%
    Revenue CAGR 10Y
    23.4%
    EPS CAGR 3Y
    8.6%
    EPS CAGR 5Y
    8.6%
    EPS CAGR 10Y
    22.1%
    FCF CAGR 3Y
    6.7%
    FCF CAGR 5Y
    10.9%
    FCF CAGR 10Y
    28.4%

    Analyst Forecasts

    Analyst Rating
    Hold
    Analyst Count
    10
    EPS Growth Next 3Y
    N/A
    Revenue Growth Next 3Y
    N/A
    Earnings Date
    N/A
    EPS Estimate (next Q)
    N/A
    EPS Growth Est (next Q)
    N/A
    Revenue Est (next Q)
    N/A
    Revenue Growth Est (next Q)
    N/A

    Fair Value Estimates

    Graham Number
    $51.14
    Graham Upside
    -1.1%
    Lynch Fair Value
    $29.29
    Lynch Upside
    -43.3%
    Price Target
    $53
    Price Target Upside
    2.5%

    Cash Flow

    Operating Cash Flow
    $63.8M
    Free Cash Flow
    $53.85M
    Adj. Free Cash Flow
    $51.96M
    FCF Per Share
    $4.19
    OCF Per Share
    $4.37
    OCF/S Ratio
    22.2%

    Income Statement

    Revenue
    $331.18M
    Gross Profit
    $208.5M
    Operating Income
    $70.98M
    EBITDA
    $74.41M
    Net Income
    $57.39M
    EPS (Diluted)
    $3.39
    Revenue / Employee
    $566.12K
    Profit / Employee
    $98.1K
    Employees
    585

    Dividends

    Annual Dividend
    $0.34
    Dividend Yield
    0.66%
    Payout Ratio
    10.0%
    FCF Payout Ratio
    10.1%
    Adj. FCF Payout Ratio
    10.5%
    Dividend Growth (YoY)
    6.3%
    Pay Frequency
    Quarterly
    Ex-Dividend Date
    Jul 30, 2026

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