SMBK - NASDAQ

SmartFinancial, Inc.

SmartFinancial, Inc.

SMBKยทNASDAQ

$37.87

-0.99%
Financial ServicesBanks - Regional

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.

StatementsValue Model

At a Glance

Live Snapshot
Market Cap$644.90M
EPS2.1600
P/E Ratio17.53
Earnings Date04/20/2026
SmartFinancial, Inc.

SmartFinancial, Inc. Fair Value Envelope

SMBK ยท NASDAQ

Our analysis suggests that SMBK has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $37.87, this represents a potential HIDDEN relative to our calculated worth for SmartFinancial, Inc..

HIDDEN
Intrinsic Value
Current Price: $37.87

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$13.0B
+ Cash & Equivalents$373.5M
Firm Value$13.4B
- Debt$47.8M
Equity Value$13.3B
/ Shares Outstanding17,028,001B
DCF Value$784
UNDERVALUED BY 1969%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$72.9M
$101.0M
$139.8M
$193.5M
$267.8M
$370.6M
$513.0M
$710.1M
$982.9M
$1.4B
Maintenance CapEx
-$1.8M
-$2.5M
-$3.4M
-$4.7M
-$6.5M
-$9.0M
-$12.5M
-$17.3M
-$23.9M
-$33.1M
Owner Earnings
$71.2M
$98.5M
$136.4M
$188.7M
$261.3M
$361.6M
$500.6M
$692.9M
$959.0M
$1.3B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$65.9M
$84.5M
$108.2M
$138.7M
$177.8M
$227.9M
$292.1M
$374.3M
$479.8M
$614.9M
Terminal Value represents 80.3% of Enterprise Value

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