NYSE: SMBKSmartfinancial Inc Stock
$30.42-0.48 (-1.55%)
Updated Apr 30, 2025
SMBK Price
$30.42
Fair Value Price
N/A
Market Cap
$517.69M
52 Week Low
$21.27
52 Week High
$37.72
P/E
14.08x
P/B
1.05x
P/S
3.12x
PEG
0.9x
Dividend Yield
1.05%
Revenue
$166.35M
Earnings
$36.14M
Gross Margin
100%
Operating Margin
27.33%
Profit Margin
21.7%
Debt to Equity
9.74
Operating Cash Flow
$53M
Beta
0.76
Next Earnings
N/A
Ex-Dividend
May 2, 2025
Next Dividend
May 19, 2025
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 Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine SMBK's potential to beat the market
CHold
- Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More
Zen Rating Component Grades
A
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
D
SMBK
Ranked#123 of 294
Ranked#123 of 294
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $33.87 | B | |
| $33.91 | B | |
| $13.97 | B |
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SMBK News
Overview
Due Diligence Score
–
Industry Average (33)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how SMBK scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
SMBK ($30.42) is trading above its intrinsic value of $24.30, 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 (14.08x), compared to the US market average (29.18x)
P/E vs Market Valuation
SMBK is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 35 more SMBK due diligence checks available for Premium users.
Valuation
SMBK price to earnings (PE)
For valuing profitable companies with steady earnings
Company
14.08x
Industry
13.39x
Market
29.18x
SMBK is poor 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
1.05x
Industry
1.13x
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
$44.7M
Net Income
$9.6M
Profit Margin
21.6%
SMBK's Earnings (EBIT) of $45.46M... 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
$5.3B
Liabilities
$4.8B
Debt to equity
9.74
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
$16.7M
Investing
-$183.9M
Financing
$361.9M
SMBK's operating cash flow ($52.70M)... subscribe to Premium to read more.
Debt Coverage Financials
SMBK vs Bank Stocks
Smartfinancial Stock FAQ
Company
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