NYSE: SMBKSmartfinancial Inc Stock
$20.78+0.57 (+2.82%)
Updated Apr 24, 2024
SMBK Price
$20.78
Fair Value Price
N/A
Market Cap
$354.47M
52 Week Low
$18.86
52 Week High
$25.98
P/E
12.22x
P/B
0.77x
P/S
2.76x
PEG
5.43x
Dividend Yield
1.54%
Revenue
$149.38M
Earnings
$28.59M
Gross Margin
100%
Operating Margin
24.25%
Profit Margin
19.1%
Debt to Equity
9.5
Operating Cash Flow
$40M
Beta
1.01
Next Earnings
N/A
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 (33)
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Due Diligence Checks
SMBK ($20.78) is trading above its intrinsic value of $10.67, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
SMBK is good value based on its earnings relative to its share price (12.22x), compared to the US market average (41.27x)
P/E vs Market Valuation
SMBK is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
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SMBK News
Valuation
SMBK price to earnings (PE)
For valuing profitable companies with steady earnings
Company
12.22x
Industry
-10.44x
Market
41.27x
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
0.77x
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 poor value relative... subscribe to Premium to read more.
PEG Value Valuation
SMBK's financial health
Profit margin
Revenue
$37.5M
Net Income
$6.2M
Profit Margin
16.5%
SMBK's Earnings (EBIT) of $36.23M... subscribe to Premium to read more.
Interest Coverage Financials
SMBK's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$4.8B
Liabilities
$4.4B
Debt to equity
9.5
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
$11.7M
Investing
-$78.6M
Financing
$18.9M
SMBK's operating cash flow ($39.72M)... subscribe to Premium to read more.
Debt Coverage Financials
SMBK vs Bank Stocks
Smartfinancial Stock FAQ
Company
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