Where do SmartFinancial's ratios come from?

Every ratio is computed from SmartFinancial's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.

SmartFinancial SMBK Ratios & Valuation

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY QoQ

Simplified Detailed

	Q1 '26	Q4 '25	Q3 '25	Q2 '25	Q1 '25
Profitability
Net margin	25.4%+0.3pp	25.1%+1.3pp	23.9%+1.6pp	22.3%+1.0pp	21.3%+0.3pp
Free cash flow margin	27.1%-2.5pp	29.6%-0.6pp	30.2%+1.7pp	28.5%-2.6pp	31.1%+4.1pp
Returns
Return on equity	9.9%+0.2pp	9.6%+0.6pp	9%+0.6pp	8.4%+0.6pp	7.8%+0.2pp
Return on assets	0.9%0.0pp	0.9%0.0pp	0.9%+0.1pp	0.8%+0.1pp	0.7%0.0pp
Efficiency
Asset turnover	0×0.0×	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Leverage
Debt-to-equity	0×0.0×	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Debt-to-assets	0×0.0×	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Per Share
Book value per share	$33.19+1.5%	$32.69+2.7%	$31.84+3.5%	$30.75+2.6%	$29.98+3.0%
Valuation
Market capitalization	$790.12M+48.3%	$629.87M+3.6%	$608.14M+9.2%	$556.98M+5.3%	$528.92M+0.9%
Enterprise value	$455.43M+264%	$177.2M+181%	$63.14M-69.1%	$204.34M+72.9%	$118.18M-20.8%
Price / earnings	15×+1.0×	12.5×-0.6×	13.1×-0.2×	13.3×-0.6×	13.9×-0.6×
Price / sales	3.8×+0.8×	3.1×0.0×	3.1×+0.2×	3×0.0×	3×-0.1×
Price / book	1.4×+0.4×	1.1×0.0×	1.1×+0.1×	1.1×0.0×	1×0.0×
EV / sales	2.2×+1.5×	0.9×+0.6×	0.3×-0.8×	1.1×+0.4×	0.7×-0.2×
Free cash flow yield	7%-3.3pp	9.4%-0.2pp	9.6%+0.1pp	9.6%-0.9pp	10.5%+1.7pp
Earnings yield	6.6%-0.5pp	8%+0.4pp	7.6%+0.1pp	7.5%+0.3pp	7.2%+0.3pp
Dividend yield	0.7%-0.3pp	0.9%0.0pp	0.9%-0.1pp	1%0.0pp	1%0.0pp
PEG ratio	0.4×+0.1×	0.3×0.0×	0.3×+0.1×	0.2×-0.1×	0.3×-0.2×

Chart any of these lines over time, or line them up against competitors.

Compare these in charts →

Ask your AI about SmartFinancial.

Connect your AI assistant and get a quick read on the numbers, right in your chat.

Connect your AI

Claude

Questions, answered.

Where do SmartFinancial's ratios come from?: Every ratio is computed from SmartFinancial's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.