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XNASSMBK
Market cap525mUSD
Dec 27, Last price  
31.05USD
1D
-1.68%
1Q
8.41%
Jan 2017
67.30%
Name

SmartFinancial Inc

Chart & Performance

D1W1MN
XNAS:SMBK chart
P/E
18.38
P/S
3.45
EPS
1.69
Div Yield, %
1.03%
Shrs. gr., 5y
6.21%
Rev. gr., 5y
13.38%
Revenues
152m
+2,288.04%
11,889,30016,499,01020,963,95322,065,00319,874,13115,660,26119,090,54315,314,75515,587,53216,869,99917,166,85027,239,10141,294,03149,911,00081,356,00090,600,000114,097,000137,343,0006,382,000152,405,000
Net income
29m
-33.54%
2,571,0834,324,5195,811,600871,1522,511,824-8,178,639-4,707,5211,030,0521,402,0631,680,8091,638,2821,509,5855,798,8085,015,00018,115,00026,548,00024,332,00034,790,00043,022,00028,593,000
CFO
40m
-30.07%
4,550,6986,685,9725,301,08811,782,5723,497,3016,048,34410,109,7332,722,0874,906,0724,421,5573,541,4532,341,42511,590,7416,642,30120,823,96629,866,00029,069,00046,182,00056,793,00039,716,000
Dividend
Aug 09, 20240.08 USD/sh
Earnings
Jan 20, 2025

Profile

SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers. It operates through Commercial Real Estate, Consumer Real Estate, Construction and Land Development, Commercial and Industrial, and Consumer and Other segments. The company offers noninterest-bearing and interest-bearing checking, interest-bearing demand, savings, money market, time deposit, individual retirement accounts, as well as certificates of deposit. It also provides commercial and residential real estate, consumer real estate, and construction and land development loans; commercial and financial loans; mortgage loans; and direct consumer installment loans, educational, and other revolving credit loans; and overdraft facilities. In addition, the company offers wealth management, insurance, mortgage origination, and Internet and mobile banking services. As of March 1, 2022, it had 41 full-service branches and 2 loan production offices in East and Middle Tennessee, Alabama, and the Florida Panhandle. The company is headquartered in Knoxville, Tennessee.
URL
https://www.smartfinancialinc.com/
IPO date
Jun 21, 2001
Employees
583
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑122014‑12
Income
Revenues
152,405
2,288.04%
6,382
-95.35%
137,343
20.37%
Cost of revenue
70,247
74,668
60,683
Unusual Expense (Income)
NOPBT
82,158
(68,286)
76,660
NOPBT Margin
53.91%
55.82%
Operating Taxes
7,633
11,886
9,529
Tax Rate
9.29%
12.43%
NOPAT
74,525
(80,172)
67,131
Net income
28,593
-33.54%
43,022
23.66%
34,790
42.98%
Dividends
(5,427)
(4,724)
(3,728)
Dividend yield
1.31%
1.02%
0.87%
Proceeds from repurchase of equity
108
(15)
(1,008)
BB yield
-0.03%
0.00%
0.23%
Debt
Debt current
8,000
12,500
7,111
Long-term debt
42,099
59,290
129,515
Deferred revenue
Other long-term liabilities
(46,790)
(129,515)
Net debt
(1,109,543)
(1,463,899)
(1,966,820)
Cash flow
Cash from operating activities
39,716
56,793
46,182
CAPEX
(6,270)
(12,487)
(2,377)
Cash from investing activities
(135,240)
(840,818)
(264,993)
Cash from financing activities
181,371
5,372
782,169
FCF
5,961
(25,906)
(6,964)
Balance
Cash
469,996
750,317
1,527,530
Long term investments
689,646
785,372
575,916
Excess cash
1,152,022
1,535,370
2,096,579
Stockholders' equity
164,187
138,122
136,493
Invested Capital
4,665,200
4,487,291
4,482,197
ROIC
1.63%
1.75%
ROCE
1.70%
1.66%
EV
Common stock shares outstanding
16,918
16,871
15,699
Price
24.49
-10.95%
27.50
0.51%
27.36
50.83%
Market cap
414,328
-10.70%
463,963
8.02%
429,531
57.66%
EV
(695,215)
(999,936)
(1,537,289)
EBITDA
95,656
(55,642)
83,405
EV/EBITDA
17.97
Interest
87,963
21,333
11,838
Interest/NOPBT
107.07%
15.44%