SmartFinancial SMBK Ratios & Valuation
| TTM Q1 '26 | TTM Q4 '25 | TTM Q3 '25 | TTM Q2 '25 | TTM 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 | $797.81M+48.3% | $629.87M+3.6% | $608.14M+9.2% | $556.98M+5.3% | $528.92M+0.9% | |
| Enterprise value | $463.12M+264% | $177.2M+181% | $63.14M-69.1% | $204.34M+72.9% | $118.18M-20.8% | |
| Price / earnings | 15.1×+1.0× | 12.5×-0.6× | 13.1×-0.2× | 13.3×-0.6× | 13.9×-0.6× | |
| Price / sales | 3.9×+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×— | —— | —— |
Chart any of these lines over time, or line them up against competitors.
Compare these in charts →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.
