SmartFinancial, Inc.
Financials
Valuation Metrics
SmartFinancial, Inc.'s Market Cap is $843M. At end of 2025 it was $621M. Ranked #2516 of 3,118 in US market (top 81%), #1466 of 1,644 on NYSE (top 89%), #192 of 245 in Banks (top 78%) by Market Cap.
Investment Metrics(as of 2026-11-02)
| Metric | Value | Rank |
|---|---|---|
| Size | ||
| Market Cap | $843M | US#2,516/3,118 Sec#192/245 |
| Revenue | $210M | US#2,536/3,118 Sec#169/245 |
| Net Income | $57M | US#1,823/3,118 Sec#192/245 |
| Total Assets | $6.12B | US#1,292/3,118 Sec#187/245 |
| Net Assets | $577M | US#2,125/3,118 Sec#198/245 |
| Employees | 585 | US#2,208/3,118 Sec#175/245 |
| Value | ||
| P/E | 14.68x | US#712/3,118 Sec#175/245 |
| P/B | 1.46x | US#849/3,118 Sec#161/245 |
| PEG | 0.39x | US#502/3,118 Sec#51/245 |
| P/S | 4.01x | US#2,056/3,118 Sec#152/245 |
| EV/EBITDA | 11.70x | US#1,047/3,118 Sec#108/245 |
| FCF Yield | 8.36% | US#759/3,118 Sec#123/245 |
| Profitability | ||
| ROE | 9.95% | US#1,375/3,118 Sec#154/245 |
| ROA | 0.94% | US#2,003/3,118 Sec#175/245 |
| Op. Margin | 33.77% | US#421/3,118 Sec#123/245 |
| Revenue Growth | 12.37% | US#1,066/3,118 Sec#84/245 |
| Earnings Growth | 37.50% | US#600/3,118 Sec#41/245 |
| Financial Health | ||
| Debt Ratio | 960.17% | US#2,707/3,118 Sec#187/245 |
| Total Debt | $110M | US#2,404/3,118 Sec#215/245 |
| FCF | $70M | US#1,851/3,118 Sec#170/245 |
| Cash | $83M | US#2,327/3,118 Sec#190/245 |
| Current Ratio | 260.57x | US#22/3,118 Sec#6/245 |
| Net Debt/EBITDA | 0.37x | US#736/3,118 Sec#81/245 |
| Dividend | ||
| Div. Yield | 0.49% | US#1,526/3,118 Sec#213/245 |
| Div. Growth | 0.55% | US#1,182/3,118 Sec#174/245 |
| Performance | ||
| 1Y Return | 40.95% | US#706/3,118 Sec#66/245 |
| 1M Return | -3.33% | US#2,000/3,118 Sec#197/245 |
| From 52W High | -8.96% | US#842/3,118 Sec#144/245 |
| 1Y MDD | -13.45% | US#175/3,118 Sec#68/245 |
| Trading | ||
| Volume | 69,993 shares | US#3,042/3,118 Sec#229/245 |
| Trading Value | $3M | US#2,837/3,118 Sec#213/245 |
| Per Share | ||
| EPS | $3.36 | US#979/3,118 Sec#117/245 |
| BPS | $33.73 | US#783/3,118 Sec#115/245 |
Company Info
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.