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, mainly 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.

Financial Strength

5/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	5.89
Equity-to-Asset	0.1
Debt-to-Equity	0.11
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	5/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.35	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

4/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	5.2
	3-Year EPS without NRI Growth Rate	3
	3-Year FCF Growth Rate	7.9
	3-Year Book Growth Rate	4.6

Momentum Rank

5/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	76.57
	9-Day RSI	63.91
	14-Day RSI	56.45
	6-1 Month Momentum %	0.02
	12-1 Month Momentum %	-7.1

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	1.57
	Dividend Payout Ratio	0.16
	3-Year Dividend Growth Rate	17
	Forward Dividend Yield %	1.57
	5-Year Yield-on-Cost %	1.52
	3-Year Average Share Buyback Ratio	-4
	Shareholder Yield %	5.04

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	18.76
	FCF Margin %	21.95
	ROE %	6.42
	ROA %	0.6
	Years of Profitability over Past 10-Year	10

GF Value Rank

9/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	12.17
	Forward PE Ratio	10.22
	PE Ratio without NRI	10.08
	Shiller PE Ratio	13.44
	Price-to-Owner-Earnings	12.44
	PEG Ratio	1.77
	PS Ratio	2.33
	PB Ratio	0.76
	Price-to-Tangible-Book	0.99
	Price-to-Free-Cash-Flow	10.5
	Price-to-Operating-Cash-Flow	8.89
	EV-to-Revenue	0.7
	EV-to-FCF	3.28
	Price-to-Projected-FCF	0.49
	Price-to-Median-PS-Value	0.81
	Price-to-Peter-Lynch-Fair-Value	1.9
	Price-to-Graham-Number	0.67
	FCF Yield %	9.53
	Forward Rate of Return (Yacktman) %	15.12

GF Value: $26.55

SMBK

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