NAS:SMBK (USA)

SmartFinancial Inc

$ 21.4 0.35 (1.69%)
Volume: 3,613 Avg Vol (1m): 32,282
Market Cap $: 293.68 Mil Enterprise Value $: 10.22 Mil
P/E (TTM): 14.30 P/B: 1.02
Earnings Power Value 18.28
Net Current Asset Value 0
Tangible Book 15.11
Projected FCF 19.96
Median P/S Value 10.1
Graham Number 22.35
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 5/10

GuruFocus Financial Strength Rank measures how strong a company's financial situation is . It is based on these factors
1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.
A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.
Current vs industry vs history
Cash-to-Debt 2.78
Cash-To-Debt ranked higher than
58.19% of 1617 companies
in the Banks - Regional - US industry.
Industry Max: 2539500, Med: 1.43, Min: 0.01
SMBK: 2.78
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 0.14, Med: 0.76, Max: 10000
Current: 2.78
0.14
10000
Equity-to-Asset 0.12
Equity-to-Asset ranked higher than
64.60% of 1627 companies
in the Banks - Regional - US industry.
Industry Max: 1, Med: 0.11, Min: -11.05
SMBK: 0.12
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: 0.05, Med: 0.09, Max: 0.13
Current: 0.12
0.05
0.13
Debt-to-Equity 0.17
Debt-to-Equity ranked higher than
76.24% of 1393 companies
in the Banks - Regional - US industry.
Industry Max: 543.58, Med: 0.68, Min: 0.01
SMBK: 0.17
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: 0.04, Med: 1.03, Max: 2.6
Current: 0.17
0.04
2.6
Beneish M-Score -2.22
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 0%
WACC 8.78%

Profitability & Growth : 2/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 22.16
Net Margin ranked lower than
59.85% of 1639 companies
in the Banks - Regional - US industry.
Industry Max: 10754.72, Med: 25.15, Min: -234138
SMBK: 22.16
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: -46.88, Med: 9.12, Max: 22.16
Current: 22.16
-46.88
22.16
ROE % 7.58
ROE ranked lower than
66.00% of 1638 companies
in the Banks - Regional - US industry.
Industry Max: 231.61, Med: 9.79, Min: -53900
SMBK: 7.58
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: -25.42, Med: 1.45, Max: 7.58
Current: 7.58
-25.42
7.58
ROA % 0.92
ROA ranked lower than
55.99% of 1645 companies
in the Banks - Regional - US industry.
Industry Max: 54.28, Med: 1.01, Min: -205.98
SMBK: 0.92
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: -1.63, Med: 0.34, Max: 0.92
Current: 0.92
-1.63
0.92
3-Year Total Revenue Growth Rate 45.10
3-Year Revenue Growth Rate ranked lower than
81.23% of 1513 companies
in the Banks - Regional - US industry.
Industry Max: 672.4, Med: 4.3, Min: -100
SMBK: 1.5
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: -13.9, Med: -3, Max: 91.2
Current: 1.5
-13.9
91.2
3-Year EPS w/o NRI Growth Rate 65.50
3-Year EPS w/o NRI Growth Rate ranked lower than
61.44% of 1359 companies
in the Banks - Regional - US industry.
Industry Max: 804.5, Med: 5.3, Min: -214.9
SMBK: 65.5
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: 0, Med: 4.35, Max: 113.6
Current: 65.5
0
113.6

» SMBK's 30-Y Financials

Financials (Next Earnings Date: 2019-07-25)

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Business Description

Industry Banks » Banks - Regional - US    NAICS : 522110    SIC : 6021
Compare OTCPK:FFMR NAS:PCB NAS:FNLC NAS:STXB NAS:HBMD NAS:NKSH NAS:FRBK OTCPK:MCBS NAS:CVCY NAS:CSTR NAS:SFST NAS:BWB NAS:BLMT NAS:ACNB NAS:PDLB NYSE:MCB NAS:PFIS OTCPK:ALRS NAS:SMMF NAS:GNTY
Traded in other countries
Address 5401 Kingston Pike, Suite 600, Knoxville, TN, USA, 37919
SmartFinancial Inc operates as a bank holding company for SmartBank. It offers various banking and financial services to individuals and corporate customers. The principal business of the Bank consists of attracting deposits from the general public and investing those funds, together with funds generated from operations and from principal and interest payments on loans, primarily in commercial loans, commercial and residential real estate loans, consumer loans, and residential and commercial construction loans. The primary source of revenue is interest income from earning assets, namely loans and securities.

Ratios

Current vs industry vs history
PE Ratio (TTM) 14.30
PE Ratio ranked lower than
59.34% of 1557 companies
in the Banks - Regional - US industry.
Industry Max: 625000, Med: 12.36, Min: 0.02
SMBK: 14.3
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 9.45, Med: 39.2, Max: 673.08
Current: 14.3
9.45
673.08
Forward PE Ratio 12.32
Forward P/E ranked lower than
100.00% of 487 companies
in the Banks - Regional - US industry.
Industry Max: 232.56, Med: 11.17, Min: 3.33
SMBK: 12.32
Ranked among companies with meaningful Forward P/E only.
N/A
PE Ratio without NRI 14.30
PE without NRI ranked lower than
58.75% of 1532 companies
in the Banks - Regional - US industry.
Industry Max: 625000, Med: 12.43, Min: 0.02
SMBK: 14.3
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 9.45, Med: 39.2, Max: 673.08
Current: 14.3
9.45
673.08
Price-to-Owner-Earnings 11.76
Price-to-Owner-Earnings ranked lower than
70.78% of 989 companies
in the Banks - Regional - US industry.
Industry Max: 2862049.23, Med: 12.46, Min: 0.01
SMBK: 11.76
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 3.3, Med: 11.76, Max: 526.67
Current: 11.76
3.3
526.67
PB Ratio 1.02
PB Ratio ranked higher than
60.15% of 1651 companies
in the Banks - Regional - US industry.
Industry Max: 339397.23, Med: 1.11, Min: 0
SMBK: 1.02
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 0.26, Med: 0.77, Max: 1.6
Current: 1.02
0.26
1.6
PS Ratio 3.18
PS Ratio ranked lower than
51.49% of 1649 companies
in the Banks - Regional - US industry.
Industry Max: 207056.49, Med: 3.01, Min: 0.01
SMBK: 3.18
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 0.4, Med: 1.52, Max: 4.26
Current: 3.18
0.4
4.26
Price-to-Free-Cash-Flow 12.10
Price-to-Free-Cash-Flow ranked lower than
78.00% of 882 companies
in the Banks - Regional - US industry.
Industry Max: 2338.98, Med: 10.27, Min: 0
SMBK: 12.1
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 0.72, Med: 4.62, Max: 328.25
Current: 12.1
0.72
328.25
Price-to-Operating-Cash-Flow 10.65
Price-to-Operating-Cash-Flow ranked lower than
74.89% of 948 companies
in the Banks - Regional - US industry.
Industry Max: 1945525.29, Med: 9.19, Min: 0.01
SMBK: 10.65
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 0.66, Med: 5.22, Max: 125.77
Current: 10.65
0.66
125.77
EV-to-Revenue 0.11
EV-to-Revenue ranked higher than
65.43% of 1325 companies
in the Banks - Regional - US industry.
Industry Max: 2007.65, Med: 3.55, Min: 0.02
SMBK: 0.11
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: -1.5, Med: 2.1, Max: 5.2
Current: 0.11
-1.5
5.2

Dividend & Buy Back

Current vs industry vs history
3-Year Share Buyback Rate -33.80
3-Year Share Buyback Rate ranked lower than
99.21% of 1137 companies
in the Banks - Regional - US industry.
Industry Max: 82.2, Med: -2.1, Min: -499.5
SMBK: -33.8
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -88.7, Med: 0, Max: 31.6
Current: -33.8
-88.7
31.6

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 1.39
Price-to-Tangible-Book ranked lower than
57.82% of 1669 companies
in the Banks - Regional - US industry.
Industry Max: 359582.88, Med: 1.2, Min: 0.01
SMBK: 1.39
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 0.27, Med: 1.13, Max: 9.79
Current: 1.39
0.27
9.79
Price-to-Projected-FCF 1.05
Price-to-Intrinsic-Value-Projected-FCF ranked lower than
73.80% of 958 companies
in the Banks - Regional - US industry.
Industry Max: 460, Med: 0.76, Min: 0.01
SMBK: 1.05
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.07, Med: 0.41, Max: 1.46
Current: 1.05
0.07
1.46
Price-to-Median-PS-Value 2.08
Price-to-Median-PS-Value ranked lower than
93.18% of 1524 companies
in the Banks - Regional - US industry.
Industry Max: 186, Med: 1.02, Min: 0.03
SMBK: 2.08
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.29, Med: 1.65, Max: 8.3
Current: 2.08
0.29
8.3
Price-to-Graham-Number 0.94
Price-to-Graham-Number ranked lower than
72.63% of 1476 companies
in the Banks - Regional - US industry.
Industry Max: 99940.04, Med: 0.86, Min: 0
SMBK: 0.94
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 0.72, Med: 1.59, Max: 5.9
Current: 0.94
0.72
5.9

More Statistics

Revenue (TTM) (Mil) $ 87.62
EPS (TTM) $ 1.47
Beta 0.73
Volatility % 24.75
52-Week Range $ 16.17 - 27.69
Shares Outstanding (Mil) 13.95

Analyst Estimate

Piotroski F-Score Details