SMARTFINANCIAL INC(NYSE:SMBK) stock Fundamental Analysis

Fundamental Rating

Overall SMBK gets a fundamental rating of 3 out of 10. We evaluated SMBK against 405 industry peers in the Banks industry. SMBK may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, SMBK is valued expensive at the moment.

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1. Profitability

1.1 Basic Checks

SMBK had positive earnings in the past year.

SMBK had a positive operating cash flow in the past year.

SMBK had positive earnings in 4 of the past 5 years.

Of the past 5 years SMBK 4 years had a positive operating cash flow.

1.2 Ratios

SMBK has a Return On Assets (0.67%) which is comparable to the rest of the industry.

SMBK has a Return On Equity of 6.68%. This is in the lower half of the industry: SMBK underperforms 61.56% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.67%
ROE	6.68%
ROIC	N/A

ROA(3y)0.76%

ROA(5y)0.82%

ROE(3y)8.09%

ROE(5y)7.91%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

SMBK's Profit Margin of 19.96% is on the low side compared to the rest of the industry. SMBK is outperformed by 61.31% of its industry peers.

SMBK's Profit Margin has declined in the last couple of years.

The Operating Margin and Gross Margin are not available for SMBK so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	19.96%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-3.53%

PM growth 5Y-2.92%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

SMBK does not have a ROIC to compare to the WACC, probably because it is not profitable.

There is no outstanding debt for SMBK. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

2.2 Solvency

SMBK has a debt to FCF ratio of 1.20. This is a very positive value and a sign of high solvency as it would only need 1.20 years to pay back of all of its debts.

The Debt to FCF ratio of SMBK (1.20) is better than 73.37% of its industry peers.

A Debt/Equity ratio of 0.10 indicates that SMBK is not too dependend on debt financing.

With a decent Debt to Equity ratio value of 0.10, SMBK is doing good in the industry, outperforming 74.37% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.1
Debt/FCF	1.2
Altman-Z	N/A

ROIC/WACCN/A

WACC19.14%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

SMBK shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.00%.

SMBK shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.74% yearly.

EPS 1Y (TTM)3%

EPS 3Y-2.75%

EPS 5Y1.74%

EPS Q2Q%54.05%

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%19.73%

3.2 Future

Based on estimates for the next years, SMBK will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.15% on average per year.

SMBK is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.92% yearly.

EPS Next Y15.37%

EPS Next 2Y17.15%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year12.16%

Revenue Next 2Y10.92%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 16.25, which indicates a correct valuation of SMBK.

Compared to the rest of the industry, the Price/Earnings ratio of SMBK indicates a slightly more expensive valuation: SMBK is more expensive than 66.33% of the companies listed in the same industry.

The average S&P500 Price/Earnings ratio is at 28.29. SMBK is valued slightly cheaper when compared to this.

A Price/Forward Earnings ratio of 14.08 indicates a correct valuation of SMBK.

SMBK's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. SMBK is more expensive than 61.81% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 24.44. SMBK is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	16.25
Fwd PE	14.08

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as SMBK.

		Industry Rank	Sector Rank
P/FCF	14.03
EV/EBITDA	N/A

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

SMBK's earnings are expected to grow with 17.15% in the coming years. This may justify a more expensive valuation.

PEG (NY)1.06

PEG (5Y)9.35

EPS Next 2Y17.15%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.01%, SMBK has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.22, SMBK's dividend is way lower than its industry peers. On top of this 81.41% of the companies listed in the same industry pay a better dividend than SMBK!

Compared to an average S&P500 Dividend Yield of 2.28, SMBK's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	1.01%

5.2 History

SMBK has been paying a dividend for at least 10 years, so it has a reliable track record.

The dividend of SMBK decreased recently.

Dividend Growth(5Y)N/A

Div Incr Years0

Div Non Decr Years1

5.3 Sustainability

16.59% of the earnings are spent on dividend by SMBK. This is a low number and sustainable payout ratio.

DP16.59%

EPS Next 2Y17.15%

EPS Next 3YN/A

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SMARTFINANCIAL INC

NYSE:SMBK (1/22/2025, 11:36:49 AM)

33.47

+1.29 (+4.01%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-21 2025-01-21/amc

Earnings (Next)N/A N/A

Inst Owners53.94%

Inst Owner Change0.16%

Ins Owners15.71%

Ins Owner Change0.27%

Market Cap566.65M

Analysts75

Price Target36 (7.56%)

Short Float %0.34%

Short Ratio0.88

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.01%

Yearly Dividend0.32

Dividend Growth(5Y)N/A

DP16.59%

Div Incr Years0

Div Non Decr Years1

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)13.65%

Min EPS beat(2)12.64%

Max EPS beat(2)14.66%

EPS beat(4)3

Avg EPS beat(4)8.33%

Min EPS beat(4)-11.16%

Max EPS beat(4)17.17%

EPS beat(8)5

Avg EPS beat(8)3.96%

EPS beat(12)5

Avg EPS beat(12)-0.29%

EPS beat(16)9

Avg EPS beat(16)7.91%

Revenue beat(2)1

Avg Revenue beat(2)0.55%

Min Revenue beat(2)-1.11%

Max Revenue beat(2)2.21%

Revenue beat(4)2

Avg Revenue beat(4)-0.09%

Min Revenue beat(4)-1.89%

Max Revenue beat(4)2.21%

Revenue beat(8)2

Avg Revenue beat(8)-4.04%

Revenue beat(12)2

Avg Revenue beat(12)-3.65%

Revenue beat(16)6

Avg Revenue beat(16)-1.98%

PT rev (1m)1.19%

PT rev (3m)19.46%

EPS NQ rev (1m)0%

EPS NQ rev (3m)4.5%

EPS NY rev (1m)0%

EPS NY rev (3m)3.72%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)3.76%

Revenue NY rev (1m)0%

Revenue NY rev (3m)1.95%

Valuation

		Industry Rank	Sector Rank
PE	16.25
Fwd PE	14.08
P/S	3.46
P/FCF	14.03
P/OCF	11.87
P/B	1.16
P/tB	1.48
EV/EBITDA	N/A

EPS(TTM)2.06

EY6.15%

EPS(NY)2.38

Fwd EY7.1%

FCF(TTM)2.39

FCFY7.13%

OCF(TTM)2.82

OCFY8.42%

SpS9.67

BVpS28.88

TBVpS22.66

PEG (NY)1.06

PEG (5Y)9.35

Profitability

		Industry Rank	Sector Rank
ROA	0.67%
ROE	6.68%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	19.96%
GM	N/A
FCFM	24.67%

ROA(3y)0.76%

ROA(5y)0.82%

ROE(3y)8.09%

ROE(5y)7.91%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-3.53%

PM growth 5Y-2.92%

GM growth 3YN/A

GM growth 5YN/A

F-Score7

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.1
Debt/FCF	1.2
Debt/EBITDA	N/A
Cap/Depr	61.67%
Cap/Sales	4.47%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	123.58%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC19.14%

ROIC/WACCN/A

Cap/Depr(3y)60.15%

Cap/Depr(5y)83.33%

Cap/Sales(3y)4.47%

Cap/Sales(5y)4.88%

Profit Quality(3y)115.29%

Profit Quality(5y)106.43%

High Growth Momentum

Growth

EPS 1Y (TTM)3%

EPS 3Y-2.75%

EPS 5Y1.74%

EPS Q2Q%54.05%

EPS Next Y15.37%

EPS Next 2Y17.15%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%19.73%

Revenue Next Year12.16%

Revenue Next 2Y10.92%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y35.84%

FCF growth 3Y12.28%

FCF growth 5Y14.53%

OCF growth 1Y13.06%

OCF growth 3Y10.96%

OCF growth 5Y13.79%

SMARTFINANCIAL INC (SMBK) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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