SmartFinancial, Inc. (SMBK)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 116 | 137 | 165 | 152 | 172 | 197 | 210 | - |
| Operating profit | $m | 62 | 71 | ||||||
| Net profit | $m | 24 | 35 | 43 | 29 | 36 | 50 | 57 | 64 |
| EPS reported | $ | 2.98 | 3.39 | ||||||
| Operating cashflow per share | $ | 3.68 | 4.37 | ||||||
| Capex per share | $ | 0.14 | 0.18 | ||||||
| FCF per share | $ | 3.53 | 4.19 | ||||||
| Free cash flow | $m | 59 | 70 | ||||||
| Net debt | $m | -1,041 | -533 | ||||||
| Book value equity | $m | 552 | 577 | ||||||
| Book value per share | $ | 32.64 | 34.01 | ||||||
| Number of shares | m | 16.92 | 16.96 | ||||||
| DPS (TTM paid) | $ | 0.32 | 0.34 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 12.41 | 14.68 | ||||||
| P/B LTM | x | 1.12 | 1.08 | ||||||
| P/S LTM | x | 3.16 | 2.95 | ||||||
| P/FCF LTM | x | 10.47 | 8.81 | ||||||
| EV/EBITDA LTM | x | 3.69 | 3.47 | ||||||
| EV/Sales LTM | x | 0.82 | 2.77 | ||||||
| Earnings Yield LTM | % | +8.06% | +6.81% | ||||||
| FCF Yield | % | +9.55% | +11.35% | ||||||
| Quality | |||||||||
| ROE | % | +9.11% | +10.30% | ||||||
| ROIC | % | +7.11% | +0.94% | ||||||
| Operating margin | % | +19.44% | +21.43% | ||||||
| Gross margin | % | +60.97% | +62.96% | ||||||
| FCF/Sales | % | +18.76% | +21.28% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +39.25% | +58.41% | ||||||
| Sales Growth YoY | % | +14.58% | +22.56% | ||||||
| Net Income Growth YoY | % | +39.31% | +58.80% | ||||||
| FCF Growth | % | +28.17% | +52.23% | ||||||
| Operating Profit Growth | % | +35.29% | +56.13% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +0.88% | +0.64% | ||||||
| Dividend Growth | % | 0.00% | +6.25% | ||||||
| Payout Ratio | % | +10.81% | +9.82% | ||||||
| FCF/Debt | x | 0.58 | 0.64 | ||||||
| Net Debt/EBITDA | x | -5.19 | 0.22 | ||||||
| EBIT/Net interest | x | 0.51 | 0.59 | ||||||
| Net debt/market cap | % | +16.37% | +11.18% | ||||||
| Net debt/Equity | x | -1.88 | -0.92 | ||||||
| Gross debt/equity | x | 0.18 | 0.19 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
SmartFinancial, Inc. functions as the parent entity for SmartBank, which offers a broad spectrum of financial solutions to both individual clients and corporate entities. The company's operations are structured across distinct segments: Commercial Real Estate, Consumer Real Estate, Construction and Land Development, Commercial and Industrial, and a broader Consumer and Other division. Its suite of deposit products includes non-interest and interest-bearing checking accounts, interest-bearing demand accounts, savings and money market accounts, various time deposits, Individual Retirement Accounts (IRAs), and certificates of deposit (CDs). Additionally, SmartFinancial's lending portfolio encompasses financing for commercial and residential properties, consumer real estate, and construction and land development projects. It also extends commercial and financial loans, mortgage loans, direct consumer installment loans, educational and other revolving credit facilities, and provides overdraft services. Beyond these core offerings, the company delivers wealth management, insurance products, mortgage origination, and convenient digital banking services accessible via the internet and mobile devices. As of March 1, 2022, SmartFinancial maintained a significant regional footprint, operating 41 full-service branches and two dedicated loan production offices across East and Middle Tennessee, Alabama, and the Florida Panhandle. The corporate headquarters are located in Knoxville, Tennessee.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
SmartFinancial, Inc. (SMBK)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
SmartFinancial, Inc. functions as the parent entity for SmartBank, which offers a broad spectrum of financial solutions to both individual clients and corporate entities. The company's operations are structured across distinct segments: Commercial Real Estate, Consumer Real Estate, Construction and Land Development, Commercial and Industrial, and a broader Consumer and Other division. Its suite of deposit products includes non-interest and interest-bearing checking accounts, interest-bearing demand accounts, savings and money market accounts, various time deposits, Individual Retirement Accounts (IRAs), and certificates of deposit (CDs). Additionally, SmartFinancial's lending portfolio encompasses financing for commercial and residential properties, consumer real estate, and construction and land development projects. It also extends commercial and financial loans, mortgage loans, direct consumer installment loans, educational and other revolving credit facilities, and provides overdraft services. Beyond these core offerings, the company delivers wealth management, insurance products, mortgage origination, and convenient digital banking services accessible via the internet and mobile devices. As of March 1, 2022, SmartFinancial maintained a significant regional footprint, operating 41 full-service branches and two dedicated loan production offices across East and Middle Tennessee, Alabama, and the Florida Panhandle. The corporate headquarters are located in Knoxville, Tennessee.
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