NASDAQ: SMBKSmartfinancial Inc Stock
$23.14+0.42 (+1.85%)
Updated Mar 31, 2023
SMBK Price
$23.14
Fair Value Price
$38.50
Market Cap
$393.29M
52 Week Low
$20.11
52 Week High
$30.50
P/E
9x
P/B
0.91x
P/S
2.86x
PEG
0.35x
Dividend Yield
1.56%
Revenue
$161.20M
Earnings
$43.02M
Gross Margin
100%
Operating Margin
34.06%
Profit Margin
26.7%
Debt to Equity
9.72
Operating Cash Flow
$57M
Beta
0.97
Next Earnings
Apr 24, 2023
Ex-Dividend
N/A
Next Dividend
N/A
SMBK Overview
SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers. It operates through Commercial Real Estate, Consumer Real Estate, Construction and Land Development, Commercial and Industrial, and Consumer and Other segments. The company offers noninterest-bearing and interest-bearing checking, interest-bearing demand, savings, money market, time deposit, individual retirement accounts, as well as certificates of deposit. It also provides commercial and residential real estate, consumer real estate, and construction and land development loans; commercial and financial loans; mortgage loans; and direct consumer installment loans, educational, and other revolving credit loans; and overdraft facilities. In addition, the company offers wealth management, insurance, mortgage origination, and Internet and mobile banking services. As of March 1, 2022, it had 41 full-service branches and 2 loan production offices in East and Middle Tennessee, Alabama, and the Florida Panhandle. The company is headquartered in Knoxville, Tennessee.
Zen Score
–
Industry Average (38)
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Due Diligence Checks
SMBK ($23.14) is undervalued by 39.9% relative to our estimate of its Fair Value price of $38.50 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
SMBK ($23.14) is significantly undervalued by 39.9% relative to our estimate of its Fair Value price of $38.50 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
SMBK ($23.14) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
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SMBK News
Valuation
SMBK fair value
Fair Value of SMBK stock based on Discounted Cash Flow (DCF)
Price
$23.14
Fair Value
$38.50
Undervalued by
39.90%
SMBK ($23.14) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
SMBK ($23.14) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
SMBK ($23.14) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
SMBK price to earnings (PE)
For valuing profitable companies with steady earnings
Company
9x
Industry
22.29x
Market
22.13x
SMBK is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
SMBK is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
SMBK price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
0.91x
Industry
0.99x
SMBK is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
SMBK price to earnings growth (PEG)
For valuing profitable companies with growth potential
SMBK is good value based... subscribe to Premium to read more.
PEG Value Valuation
SMBK's financial health
Profit margin
Revenue
$43.9M
Net Income
$13.0M
Profit Margin
29.6%
SMBK's Earnings (EBIT) of $54.91M... subscribe to Premium to read more.
Interest Coverage Financials
SMBK's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$4.6B
Liabilities
$4.2B
Debt to equity
9.72
SMBK's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
SMBK's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$15.2M
Investing
-$111.0M
Financing
-$180.9M
SMBK's operating cash flow ($56.79M)... subscribe to Premium to read more.
Debt Coverage Financials
SMBK vs Bank Stocks
Smartfinancial Stock FAQ
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