SMBKNYSENational Commercial BanksFiscal year ends December 31
SMARTFINANCIAL INC.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 10, 2026
$50.51−0.33 (-0.65%)
Close on Oct 19, 2026
- Market cap
- $856.74M
- P/E (TTM)
- 14.9
- Dividend yield
- 0.63%
Smartfinancial statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of National Commercial Banks companies for comparison
Valuation
| Measure | Smartfinancial | Industry median |
|---|---|---|
| Market Cap | $863.64M | $679.86M |
| Enterprise Value | $484.37M | $408.94M |
| PE Ratio | 14.90 | 12.00 |
| PS Ratio | 4.03 | 3.61 |
| PB Ratio | 1.50 | 1.18 |
| P/TBV Ratio | 1.79 | 1.41 |
| P/FCF Ratio | 13.21 | 10.93 |
| P/OCF Ratio | 11.76 | 10.04 |
Enterprise value
| Measure | Smartfinancial | Industry median |
|---|---|---|
| EV / Sales | 2.26 | 2.78 |
| EV / FCF | 7.41 | 8.25 |
Income (trailing twelve months)
| Measure | Smartfinancial | Industry median |
|---|---|---|
| Revenue | $214.15M | $170.85M |
| Pretax Income | $70.98M | $70.12M |
| EPS (Diluted) | $3.39 | $2.90 |
Margins
| Measure | Smartfinancial | Industry median |
|---|---|---|
| Pretax Margin | 33.1% | 36.4% |
| FCF Margin | 30.5% | 33.0% |
Growth
| Measure | Smartfinancial | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 14.5% | 11.8% |
| EPS Growth (YoY) | 37.2% | 22.7% |
| FCF Growth (YoY) | 22.6% | 27.1% |
| Revenue Growth (3Y CAGR) | 6.66% | 5.82% |
| Revenue Growth (5Y CAGR) | 11.5% | 6.17% |
| EPS Growth (3Y CAGR) | 5.33% | 1.26% |
| EPS Growth (5Y CAGR) | 13.0% | 8.24% |
Balance sheet
| Measure | Smartfinancial | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $379.39M | $205.54M |
| Net Cash (Debt) | $379.39M | $164.40M |
| Net Cash Per Share | $22.19 | $8.13 |
| Equity (Book Value) | $576.81M | $560.44M |
| Book Value Per Share | $33.73 | $28.47 |
| Tangible Book Value | $482.37M | $472.29M |
Cash flow (trailing twelve months)
| Measure | Smartfinancial | Industry median |
|---|---|---|
| Operating Cash Flow | $73.44M | $61.20M |
| Capital Expenditures | -$8.08M | -$4.02M |
| Free Cash Flow | $65.36M | $52.43M |
| FCF Per Share | $3.82 | $3.07 |
Efficiency
| Measure | Smartfinancial | Industry median |
|---|---|---|
| Asset Turnover | 0.04 | 0.04 |
| Revenue Per Employee | $363.58K | $353.78K |
| Employee Count | 589 | 489 |
Dividends and yields
| Measure | Smartfinancial | Industry median |
|---|---|---|
| FCF Yield | 7.57% | 8.89% |
| Dividend Yield | 0.63% | 2.48% |
| Shareholder Yield | 0.63% | 3.13% |
| Dividend Per Share | $0.32 | $0.93 |
| Dividend Growth (YoY) | 0.00% | 4.26% |
| Years of Dividend Growth | 0 | 2 |
| FCF Payout Ratio | 8.63% | 26.0% |
Shares
| Measure | Smartfinancial | Industry median |
|---|---|---|
| Shares Outstanding | 17,098,500 | 18,839,100 |
| Shares Change (YoY) | 0.39% | 0.39% |
| Shares Change (QoQ) | 0.00% | 0.00% |
| Float | 15,795,400 | 17,061,900 |
| Shares Held by Insiders | 7.62% | 5.89% |
| Shares Held by Institutions | 67.0% | 61.9% |
Taxes
| Measure | Smartfinancial | Industry median |
|---|---|---|
| Income Tax | $13.59M | $14.50M |
| Effective Tax Rate | 19.1% | 21.1% |
Scores
| Measure | Smartfinancial | Industry median |
|---|---|---|
| Graham Number | $50.73 | $45.31 |
| Graham Upside | 0.43% | 21.6% |
| Altman Z-Score | 0.19 | 0.21 |
Calculated by StockData from Smartfinancial's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.