Stock SMBK SMARTFINANCIAL, INC.
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Financials SmartFinancial, Inc.

Equities

SMBK

US83190L2088

Banks

Market Closed - Nyse
Other stock markets
 04:00:02 2024-04-26 pm EDT 		5-day change 1st Jan Change
20.66 USD -0.86% Intraday chart for SmartFinancial, Inc. +3.82% -15.64%
Apr. 25 SmartFinancial, Inc. Declares Quarterly Cash Dividend, Payable on May 28, 2024 CI
Apr. 25 North American Morning Briefing : More Tech -2- DJ

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 331.2 276.4 459.7 464.4 416.2 352.4 -
Enterprise Value (EV) 1 331.2 276.4 459.7 464.4 416.2 352.4 352.4
P/E ratio 12.5 x 11.2 x 12.3 x 10.8 x 14.5 x 11 x 9.49 x
Yield 0.21% 1.1% 0.88% 1.02% - 1.63% 1.73%
Capitalization / Revenue 3.32 x 2.36 x 3.33 x 2.8 x 2.61 x 2.15 x 1.94 x
EV / Revenue 3.32 x 2.36 x 3.33 x 2.8 x 2.61 x 2.15 x 1.94 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.06 x 0.77 x 1.07 x 1.07 x 0.9 x 0.72 x 0.68 x
Nbr of stocks (in thousands) 14,003 15,235 16,802 16,888 16,995 17,057 -
Reference price 2 23.65 18.14 27.36 27.50 24.49 20.66 20.66
Announcement Date 1/21/20 1/19/21 1/24/22 1/23/23 1/22/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 99.65 116.9 137.9 165.7 159.6 163.8 181.4
EBITDA - - - - - - -
EBIT 1 33.17 44.24 49.61 60.01 47.47 45.43 56.67
Operating Margin 33.28% 37.86% 35.97% 36.21% 29.75% 27.74% 31.23%
Earnings before Tax (EBT) 1 33.44 30.89 44.32 54.91 36.23 40.28 46.77
Net income 1 26.55 24.33 34.79 43.02 28.59 31.86 36.57
Net margin 26.64% 20.82% 25.23% 25.96% 17.92% 19.45% 20.15%
EPS 2 1.890 1.620 2.220 2.550 1.690 1.880 2.177
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 0.0500 0.2000 0.2400 0.2800 - 0.3367 0.3583
Announcement Date 1/21/20 1/19/21 1/24/22 1/23/23 1/22/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 36.79 36.82 37.39 40.46 42.96 44.75 43 38.8 31.79 39.19 38.85 40.22 41.8 42.69 42.74
EBITDA - - - - - - - - - - - - - - -
EBIT 1 13.8 11.6 12.12 14.61 15.82 17.29 15.47 11.39 10.19 10.42 10.2 10.52 11.84 12.57 12.23
Operating Margin 37.51% 31.51% 32.4% 36.12% 36.82% 38.64% 35.98% 29.36% 32.04% 26.59% 26.26% 26.15% 28.32% 29.44% 28.62%
Earnings before Tax (EBT) 1 12.23 8.416 10.5 13.12 14.75 16.53 14.83 11.18 2.386 7.83 11.99 8.678 9.809 10.32 10.08
Net income 1 9.6 6.655 8.259 10.22 11.54 13 11.5 8.836 2.067 6.19 9.358 6.784 7.656 8.06 7.895
Net margin 26.09% 18.08% 22.09% 25.25% 26.87% 29.06% 26.74% 22.77% 6.5% 15.8% 24.09% 16.87% 18.32% 18.88% 18.47%
EPS 2 0.6100 0.4000 0.4900 0.6100 0.6800 0.7700 0.6800 0.5200 0.1200 0.3700 0.5500 0.4017 0.4533 0.4800 0.4760
Dividend per Share 2 0.0600 0.0600 0.0700 0.0700 0.0700 0.0700 0.0700 0.0800 - - 0.0833 0.0850 0.0850 0.0850 0.0880
Announcement Date 10/19/21 1/24/22 4/25/22 7/25/22 10/24/22 1/23/23 4/24/23 7/24/23 10/23/23 1/22/24 4/22/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 8.89% 8.02% 9.67% 10.2% 7.77% 6.6% 7.32%
ROA (Net income/ Total Assets) 1.13% 0.89% 0.98% 0.92% 0.72% 0.62% 0.71%
Assets 1 2,349 2,734 3,550 4,676 3,971 5,124 5,175
Book Value Per Share 2 22.30 23.60 25.60 25.60 27.10 28.70 30.60
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/21/20 1/19/21 1/24/22 1/23/23 1/22/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for SmartFinancial, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
C
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
6
Last Close Price
20.66 USD
Average target price
25.08 USD
Spread / Average Target
+21.41%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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