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SmartFinancialSMBK -0.51%68 Return-on-Tangible-Equity is 13.75% as of Jun. 2026, which is 38% above its 10-year median of 9.93. GuruFocus rates SMBK with a GF Score™ of 68/100 and a GF Value™ of $40.44 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,520 Banks companies, SmartFinancial ranks better than 57.37% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. SmartFinancial's annualized net income for the quarter that ended in Jun. 2026 was $65.3 Mil. SmartFinancial's average shareholder tangible equity for the quarter that ended in Jun. 2026 was $474.8 Mil. Therefore, SmartFinancial's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was 13.75%.
The historical rank and industry rank for SmartFinancial's Return-on-Tangible-Equity or its related term are showing as below:
SMBK'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 3.95 Med: 9.93 Max: 13.31
Current: 12.67
During the past 13 years, SmartFinancial's highest Return-on-Tangible-Equity was 13.31%. The lowest was 3.95%. And the median was 9.93%.
SMBK's Return-on-Tangible-Equity is ranked better than 57.37% of 1520
companies
in the Banks industry
Industry Median: 11.44
vs SMBK: 12.67
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
SmartFinancial Return-on-Tangible-Equity Related Terms
SmartFinancial Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for SmartFinancial's Return-on-Tangible-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
SMBK vs SMBC, GSBC, EGBN: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, SmartFinancial's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
SmartFinancial Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, SmartFinancial's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where SmartFinancial's Return-on-Tangible-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Jun. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 13.75% mean?
SmartFinancial (SMBK) has a Return-on-Tangible-Equity of 13.75% as of Jun. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on SmartFinancial and its competitors. This is 38% above median its historical median of 9.93. Over the past decade, SmartFinancial's Return-on-Tangible-Equity has ranged from 3.95 to 13.31. According to the industry distribution chart, SmartFinancial ranks #648 out of 1520 companies in the Banks industry, placing it in the top 42.6%.
Is SmartFinancial's Return-on-Tangible-Equity too high?
SmartFinancial's current Return-on-Tangible-Equity of 13.75% is 38% above median its 10-year median of 9.93. Over the past 10 years, this metric has ranged from a low of 3.95 to a high of 13.31. The Banks industry median Return-on-Tangible-Equity is 11.44. SmartFinancial's value of 13.75% is 20.2% above this industry median. Based on the distribution chart, SmartFinancial ranks #648 out of 1520 companies in the Banks industry, which is above the industry midpoint. Overall, SmartFinancial has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SmartFinancial's Return-on-Tangible-Equity compare to SMBC and GSBC?
According to the Banks industry distribution chart, SmartFinancial ranks #648 out of 1520 companies for Return-on-Tangible-Equity. This puts SmartFinancial in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.44. SmartFinancial's value of 13.75% is 20.2% above this benchmark. Historically, SmartFinancial's own Return-on-Tangible-Equity has ranged from 3.95 to 13.31 over the past decade. While the company's 10-year median is 9.93 vs. the industry median of 11.44, SmartFinancial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.44, based on 1,520 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SmartFinancial's current Return-on-Tangible-Equity of 13.75% is 20.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on SmartFinancial and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SmartFinancial's current Return-on-Tangible-Equity is 13.75%, which is 38% above median its own 10-year median of 9.93. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SmartFinancial stock overvalued right now?
Based on GuruFocus' analysis, SmartFinancial (SMBK) is currently considered Modestly Overvalued. The stock's GF Value™ is $40.44, compared to a current price of $50.69 — trading 25.3% above its estimated fair value. The current Return-on-Tangible-Equity is 13.75%, which is 38% above median its 10-year median of 9.93 and 20.2% above the Banks industry median of 11.44. SmartFinancial's overall GF Score™ is 68/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For SmartFinancial (SMBK), the current Return-on-Tangible-Equity is 13.75% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is SmartFinancial (SMBK) Overvalued in 2026?
Based on GuruFocus' analysis, SmartFinancial stock appears to be overvalued.
The current stock price of $50.69 is trading 25.3% above its estimated GF Value™ of $40.44.
GuruFocus considers SmartFinancial to be Modestly Overvalued.
Key valuation signals for SMBK:
Return-on-Tangible-Equity: 13.75% (38% above median its 10-year median of 9.93)
GF Value™: $40.44 vs. price of $50.69 (25.3% above fair value)
Industry Position: 20.2% above the Banks median (#648 of 1520)
No single metric tells the full story. See the SMBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
68GF Score
Get the complete analysis for SMBK
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