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

Simplified Detailed

	FY'25	FY'24	FY'23	FY'22
Profitability
Net margin	25.1%+4.0pp	21.1%+2.3pp	18.8%-7.3pp	26%+0.7pp
Free cash flow margin	29.6%+2.6pp	27%+5.0pp	21.9%-4.9pp	26.8%-5.9pp
Returns
Return on equity	9.6%+2.0pp	7.6%+1.2pp	6.4%-3.6pp	10%+1.1pp
Return on assets	0.9%+0.2pp	0.7%+0.1pp	0.6%-0.3pp	0.9%+0.1pp
Efficiency
Asset turnover	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×
Debt-to-assets	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Per Share
Book value per share	$32.69+12.3%	$29.12+7.1%	$27.19+6.1%	$25.63-6.3%
Valuation
Market capitalization	$797.81M+48.3%	$524.38M+26.0%	$416.2M-10.4%	$464.43M+1.0%
Enterprise value	$463.12M+264%	$149.28M+101%	$74.23M-64.2%	$207.46M+136%
Price / earnings	15.1×+1.0×	14.5×0.0×	14.6×+3.8×	10.8×-2.4×
Price / sales	3.9×+0.8×	3.1×+0.3×	2.7×-0.1×	2.8×-0.5×
Price / book	1.4×+0.4×	1.1×+0.2×	0.9×-0.2×	1.1×0.0×
EV / sales	2.2×+1.5×	0.9×+0.4×	0.5×-0.8×	1.3×+5.4×
Free cash flow yield	7%-3.3pp	8.8%+0.8pp	8%-1.5pp	9.5%-0.2pp
Earnings yield	6.6%-0.5pp	6.9%0.0pp	6.9%-2.4pp	9.3%+1.7pp
Dividend yield	0.7%-0.3pp	1%-0.3pp	1.3%+0.3pp	1%+0.2pp
PEG ratio	0.4×+0.1×	0.5×—	——	0.5×+0.1×

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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.