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SmartFinancial, Inc. SMBK
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 27.62
0.0725 %
$ 470 M
Market Cap
12.91
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one SMBK stock under the worst case scenario is HIDDEN Compared to the current market price of 27.6 USD, SmartFinancial, Inc. is HIDDEN

SMBK Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one SMBK stock under the base case scenario is HIDDEN Compared to the current market price of 27.6 USD, SmartFinancial, Inc. is HIDDEN

SMBK Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one SMBK stock under the best case scenario is HIDDEN Compared to the current market price of 27.6 USD, SmartFinancial, Inc. is HIDDEN

SMBK Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart SMBK

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1M -13%
6M -3%
1Y 43%
3Y 15%
5Y 113.0%
All
$37.0$37.0$36.0$36.0$35.0$35.0$34.0$34.0$33.0$33.0$32.0$32.0$31.0$31.0$30.0$30.0$29.0$29.0$28.0$28.0$27.0$27.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
251 M REVENUE
64.77%
Growth Rates
1Year 64.77%
3Years 22.28%
5Years 22.62%
7Years 25.96%
10Years 30.77%
250 M OPERATING INCOME
589.55%
Growth Rates
1Year 589.55%
3Years 77.96%
5Years 49.50%
7Years 46.63%
10Years 46.62%
36.1 M NET INCOME
26.40%
Growth Rates
1Year 26.40%
3Years 1.28%
5Years 6.36%
7Years 32.60%
10Years 36.26%
52.7 M OPERATING CASH FLOW
32.69%
Growth Rates
1Year 32.69%
3Years 4.50%
5Years 12.03%
7Years 34.43%
10Years 31.00%
-420 M INVESTING CASH FLOW
-210.72%
Growth Rates
1Year -210.72%
3Years -16.61%
5Years -34.70%
7Years -33.32%
10Years -54.46%
403 M FINANCING CASH FLOW
122.10%
Growth Rates
1Year 122.10%
3Years -19.84%
5Years 24.80%
7Years 23.15%
10Years 37.37%
46.8 M REVENUE
-26.80%
Growth Rates
1Year 64.77%
3Years 22.28%
5Years 22.62%
7Years 25.96%
10Years 30.77%
0 OPERATING INCOME
0.00%
Growth Rates
1Year 589.55%
3Years 77.96%
5Years 49.50%
7Years 46.63%
10Years 46.62%
9.64 M NET INCOME
5.48%
Growth Rates
1Year 26.40%
3Years 1.28%
5Years 6.36%
7Years 32.60%
10Years 36.26%
16.7 M OPERATING CASH FLOW
34.58%
Growth Rates
1Year 32.69%
3Years 4.50%
5Years 12.03%
7Years 34.43%
10Years 31.00%
-184 M INVESTING CASH FLOW
-14.57%
Growth Rates
1Year -210.72%
3Years -16.61%
5Years -34.70%
7Years -33.32%
10Years -54.46%
362 M FINANCING CASH FLOW
20362.99%
Growth Rates
1Year 122.10%
3Years -19.84%
5Years 24.80%
7Years 23.15%
10Years 37.37%
Balance Sheet SmartFinancial, Inc.
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Current Assets 579 M
Cash & Short-Term Investments 579 M
Receivables 64 M
Other Current Assets -64 M
Non-Current Assets 196 M
Long-Term Investments 0
PP&E 91.1 M
Other Non-Current Assets 105 M
74.72 %8.26 %11.76 %13.52 %Total Assets$774.7m
Current Liabilities 4 M
Accounts Payable 0
Short-Term Debt 4 M
Other Current Liabilities 0
Non-Current Liabilities 39.7 M
Long-Term Debt 39.7 M
Other Non-Current Liabilities 0
9.16 %90.84 %Total Liabilities$43.7m
EFFICIENCY
Earnings Waterfall SmartFinancial, Inc.
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Revenue 251 M
Cost Of Revenue 0
Gross Profit 251 M
Operating Expenses 1.32 M
Operating Income 250 M
Other Expenses 214 M
Net Income 36.1 M
300m300m250m250m200m200m150m150m100m100m50m50m00251m0251m(1m)250m(214m)36mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 100.00%
5Years 100.00%
7Years 99.97%
10Years 99.31%
99.47% OPERATING MARGIN
99.47%
Averages
1Year 99.47%
3Years 491.71%
5Years 306.90%
7Years 230.97%
10Years 170.54%
14.39% NET MARGIN
14.39%
Averages
1Year 14.39%
3Years 235.76%
5Years 150.78%
7Years 115.07%
10Years 83.51%
7.36% ROE
7.36%
Averages
1Year 7.36%
3Years 7.84%
5Years 7.69%
7Years 7.62%
10Years 6.28%
0.69% ROA
0.69%
Averages
1Year 0.69%
3Years 0.74%
5Years 0.74%
7Years 0.80%
10Years 0.66%
25.64% ROIC
25.64%
Averages
1Year 25.64%
3Years 11.65%
5Years 7.73%
7Years 6.18%
10Years 4.41%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis SmartFinancial, Inc.
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60m60m50m50m40m40m30m30m20m20m10m10m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 36.1 M
Depreciation & Amortization 11.4 M
Capital Expenditures 0
Stock-Based Compensation 1.63 M
Change in Working Capital 0
Others 7.06 M
Free Cash Flow 52.7 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets SmartFinancial, Inc.
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Wall Street analysts predict an average 1-year price target for SMBK of $29.2 , with forecasts ranging from a low of $26 to a high of $36 .
SMBK Lowest Price Target Wall Street Target
26 USD -5.87%
SMBK Average Price Target Wall Street Target
29.2 USD 5.90%
SMBK Highest Price Target Wall Street Target
36 USD 30.34%
Price
Max Price Target
Min Price Target
Average Price Target
38383636343432323030282826262424222220201818May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.26% DIVIDEND YIELD
0.08 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.350.350.300.300.250.250.200.200.150.150.100.100.050.050.000.000.050.060.070.080.080.080.050.060.070.080.080.050.060.070.080.080.050.200.050.230.060.270.070.310.080.320.080.160.0020192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 10
6. Ownership
Insider Ownership SmartFinancial, Inc.
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Sold
0-3 MONTHS
12.5 K USD 1
3-6 MONTHS
1.49 M USD 3
6-9 MONTHS
7.38 K USD 1
9-12 MONTHS
183 K USD 2
Bought
40.4 K USD 1
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Shomaker Appointed to SmartFinancial Board of Directors AUBURN, Ala. & KNOXVILLE, Tenn.--(BUSINESS WIRE)--SmartBank, a subsidiary of SmartFinancial, Inc., proudly announces the appointment of Kelli Shomaker, a highly accomplished financial executive, to its board of directors, effective immediately. Shomaker brings an exceptional legacy of more than 29 years of dedicated service within the realms of higher education and financial stewardship. Shomaker currently serves as Senior Vice President for Business and Administration and Chief Financial Offic. businesswire.com - 2 weeks ago
SmartFinancial, Inc. (SMBK) Q4 2024 Earnings Conference Call Transcript SmartFinancial, Inc. (NYSE:SMBK ) Q4 2024 Earnings Conference Call January 22, 2025 10:00 PM ET Company Participants Nathan Strall - Director of Strategy Billy Carroll - President and CEO Ronald Gorczynski - CFO Rhett Jordan - EVP, Chief Credit Officer Miller Welborn - Chairman Conference Call Participants Will Jones - KBW Nick Lorenzoni - Stephens Steve Moss - Raymond James Stephen Scouten - Piper Sandler Christopher Marinac - Janney Montgomery Scott Operator Hello everyone, and welcome to the SmartFinancial Fourth Quarter 2024 Earnings Release and Conference Call. My name is Ezra and I will be your coordinator today. seekingalpha.com - 2 months ago
SmarFinancial (SMBK) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates Although the revenue and EPS for SmarFinancial (SMBK) give a sense of how its business performed in the quarter ended December 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 2 months ago
SmarFinancial (SMBK) Q4 Earnings and Revenues Beat Estimates SmarFinancial (SMBK) came out with quarterly earnings of $0.57 per share, beating the Zacks Consensus Estimate of $0.54 per share. This compares to earnings of $0.41 per share a year ago. zacks.com - 2 months ago
SmartFinancial Announces Results for the Fourth Quarter 2024 KNOXVILLE, Tenn.--(BUSINESS WIRE)--SmartFinancial, Inc. ("SmartFinancial" or the "Company"; NYSE: SMBK), today announced net income of $9.6 million, or $0.57 per diluted common share, for the fourth quarter of 2024, compared to net income of $6.2 million, or $0.37 per diluted common share, for the fourth quarter of 2023, and compared to prior quarter net income of $9.1 million, or $0.54 per diluted common share. Operating earnings1, which excludes non-recurring income, net of tax adjustments, t. businesswire.com - 2 months ago
SmartFinancial Sets Dates for Fourth Quarter Earnings Release and Conference Call KNOXVILLE, Tenn.--(BUSINESS WIRE)--SmartFinancial, Inc. ("SmartFinancial") (NYSE: SMBK) announces details for the release of its results for the Fourth Quarter of 2024. SmartFinancial plans to issue its earnings release for the fourth quarter of 2024 on Tuesday, January 21, 2025, after market close, and will host a conference call on Wednesday, January 22, 2025, at 10:00 a.m. ET. To access this interactive teleconference, dial (833) 470-1428 or (404) 975-4839 and enter the access code, 994691. businesswire.com - 3 months ago
SmarFinancial (SMBK) Upgraded to Buy: Here's Why SmarFinancial (SMBK) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy). zacks.com - 3 months ago
SmartFinancial Approves Regular Quarterly Cash Dividend KNOXVILLE, Tenn.--(BUSINESS WIRE)--Quarterly Dividend. businesswire.com - 5 months ago
SmarFinancial (SMBK) Upgraded to Strong Buy: Here's What You Should Know SmarFinancial (SMBK) has been upgraded to a Zacks Rank #1 (Strong Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term. zacks.com - 5 months ago
SmartFinancial, Inc. (SMBK) Q3 2024 Earnings Call Transcript SmartFinancial, Inc. (NYSE:SMBK ) Q3 2024 Earnings Conference Call October 22, 2024 10:00 AM ET Company Participants Nate Strall - Director of Strategy Billy Carroll - President and CEO Ronald Gorczynski - CFO Rhett Jordan - EVP, Chief Credit Officer Miller Welborn - Chairman Conference Call Participants Russell Gunther - Stephens Brett Rabatin - Hovde Group Steve Moss - Raymond James Stephen Scouten - Piper Sandler Christopher Marinac - Janney Montgomery Scott Catherine Mealor - KBW Operator Hello all. And welcome to SmartFinancial Third Quarter 2024 Earnings Release and Conference Call. seekingalpha.com - 5 months ago
SmarFinancial (SMBK) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates While the top- and bottom-line numbers for SmarFinancial (SMBK) give a sense of how the business performed in the quarter ended September 2024, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values. zacks.com - 5 months ago
SmarFinancial (SMBK) Q3 Earnings and Revenues Surpass Estimates SmarFinancial (SMBK) came out with quarterly earnings of $0.54 per share, beating the Zacks Consensus Estimate of $0.49 per share. This compares to earnings of $0.43 per share a year ago. zacks.com - 5 months ago
8. Profile Summary

SmartFinancial, Inc. SMBK

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 470 M
Dividend Yield 0.26%
Description 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.
Contact 5401 Kingston Pike, Knoxville, TN, 37919 https://www.smartbank.com
IPO Date Oct. 7, 2003
Employees 597
Officers Mr. Nathan Strall Head of Investor Relations Ms. Rebecca C. Boyd Executive Vice President & Chief People Officer Ms. Robbie Washington Senior Vice President, Community Reinvestment Act Officer & Director of HMDA Mr. Ronald J. Gorczynski CPA Executive Vice President & Chief Financial Officer Mr. William Young Carroll Jr. President, Chief Executive Officer & Director Ms. Kelley L. Fowler Senior Vice President and Director of Marketing & Public Relations - SmartBank Mr. Monty Hatcher Executive Vice President Mr. Rhett D. Jordan Executive Vice President & Chief Credit Officer of SmartBank Ms. Cynthia A. Cain Executive Vice President & Chief Accounting Officer Mr. Travis Lytle Senior Vice President and Director of Community Development & Community Reinvestment Act Officer