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

	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
Returns
Return on equity	9.9%+0.2pp	9.6%+0.6pp	9%+0.6pp	8.4%+0.6pp	7.8%+0.2pp
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×
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%
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×
Dividend yield	0.7%-0.3pp	0.9%0.0pp	0.9%-0.1pp	1%0.0pp	1%0.0pp

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.