SmartFinancial SMBK Ratios & Valuation
| Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | ||
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Net margin | 25.4%+4.1pp | 25.1%+4.0pp | 23.9%+3.9pp | 22.3%+5.4pp | 21.3%+3.7pp | |
| Free cash flow margin | 27.1%-4.1pp | 29.6%+2.6pp | 30.2%+5.5pp | 28.5%+5.5pp | 31.1%+12.5pp | |
| Returns | ||||||
| Return on equity | 9.9%+2.1pp | 9.6%+2.0pp | 9%+2.0pp | 8.4%+2.8pp | 7.8%+2.0pp | |
| Return on assets | 0.9%+0.2pp | 0.9%+0.2pp | 0.9%+0.2pp | 0.8%+0.3pp | 0.7%+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× | |
| 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+10.7% | $32.69+12.3% | $31.84+9.6% | $30.75+9.7% | $29.98+8.7% | |
| Valuation | ||||||
| Market capitalization | $790.12M+46.9% | $629.87M+20.1% | $608.14M+23.3% | $556.98M+37.9% | $528.92M+47.8% | |
| Enterprise value | $455.43M+258% | $177.2M+18.7% | $63.14M-79.8% | $204.34M+178% | $118.18M+208% | |
| Price / earnings | 15×+0.8× | 12.5×-2.0× | 13.1×-1.9× | 13.3×-2.4× | 13.9×+0.4× | |
| Price / sales | 3.8×+0.8× | 3.1×+0.1× | 3.1×+0.1× | 3×+0.3× | 3×+0.6× | |
| Price / book | 1.4×+0.3× | 1.1×+0.1× | 1.1×+0.1× | 1.1×+0.2× | 1×+0.3× | |
| EV / sales | 2.2×+1.5× | 0.9×0.0× | 0.3×-1.6× | 1.1×+0.6× | 0.7×+1.4× | |
| Free cash flow yield | 7.1%-3.2pp | 9.4%+0.6pp | 9.6%+1.4pp | 9.6%+1.0pp | 10.5%+2.7pp | |
| Earnings yield | 6.7%-0.4pp | 8%+1.1pp | 7.6%+1.0pp | 7.5%+1.2pp | 7.2%-0.2pp | |
| Dividend yield | 0.7%-0.3pp | 0.9%-0.2pp | 0.9%-0.2pp | 1%-0.4pp | 1%-0.5pp | |
| PEG ratio | 0.4×+0.1× | 0.3×-0.2× | 0.3×— | 0.2×— | 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.
