SmartFinancial, Financials

SMBK Stock  USD 36.27  0.60  1.68%   
Based on the key measurements obtained from SmartFinancial,'s financial statements, SmartFinancial, may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, SmartFinancial,'s Other Stockholder Equity is quite stable compared to the past year. Total Liabilities is expected to rise to about 5.3 B this year, although the value of Common Stock Total Equity will most likely fall to about 14.5 M. Key indicators impacting SmartFinancial,'s financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.180.1876
Sufficiently Down
Pretty Stable
Return On Assets0.00390.0059
Way Down
Slightly volatile
Return On Equity0.03220.0622
Way Down
Slightly volatile
Debt Equity Ratio0.0190.02
Notably Down
Slightly volatile
Current Ratio35.2258.7495
Way Down
Slightly volatile
The essential information of the day-to-day investment outlook for SmartFinancial, includes many different criteria found on its balance sheet. An individual investor should monitor SmartFinancial,'s cash flow, debt, and profitability to accurately make informed decisions on whether to invest in SmartFinancial,.

Net Income

26.76 Million

  
Understanding current and past SmartFinancial, Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of SmartFinancial,'s financial statements are interrelated, with each one affecting the others. For example, an increase in SmartFinancial,'s assets may result in an increase in income on the income statement.

SmartFinancial, Stock Summary

SmartFinancial, competes with Home Federal, Lake Shore, Community West, First Financial, and First Northwest. SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers. 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. Smartfinancial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 5 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS83190L2088
CUSIP83190L208 218924108 83190L109
LocationTennessee; U.S.A
Business Address5401 Kingston Pike,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.smartbank.com
Phone865 437 5700
CurrencyUSD - US Dollar

SmartFinancial, Key Financial Ratios

SmartFinancial, Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets2.4B3.3B4.6B4.6B4.8B6.0B
Net Debt(119.3M)(361.2M)(915.6M)(194.6M)(244.7M)(257.0M)
Retained Earnings65.8M87.2M118.2M156.5M173.1M181.8M
Cash184.0M481.7M1.0B266.4M294.8M318.2M
Total Liab64.7M120.5M4.2B4.2B4.4B5.3B
Total Current Assets362.3M697.4M1.6B735.0M470.0M529.5M
Common Stock14.0M15.1M16.8M16.9M17.0M16.1M
Accounts Payable2.0B2.8B4.0B4.1B4.7B4.9B
Other Assets1.8B2.2B2.3B3.7B3.5B3.6B
Other Current Liab2.1B2.8B(7.1M)(12.5M)(8M)(8.4M)
Good Will65.6M74.1M91.6M96.1M86.5M82.2M
Inventory1.8M4.6M(3.8B)1.4M1.3M1.4M
Other Current Assets1.8B2.3B2.3B(82.7M)(68.1M)(64.7M)
Intangible Assets11.6M12.3M14.3M13.6M11.0M11.6M
Long Term Debt64.7M120.5M129.5M59.3M42.1M45.3M
Other Liab9.4M11.0M30.7M21.5M19.3M13.8M
Net Tangible Assets235.6M270.7M323.6M322.7M371.1M215.0M
Capital Surpluse232.7M252.7M292.9M294.3M338.5M226.1M

SmartFinancial, Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense24.6M16.7M11.8M21.3M88.0M167.8M
Total Revenue90.6M114.1M137.3M6.4M152.4M160.0M
Gross Profit90.6M114.1M137.3M6.4M152.4M160.0M
Operating Income33.4M30.9M44.3M86.3M36.2M38.0M
Ebit33.4M24.9M37.6M76.2M36.2M38.0M
Ebitda34.8M32.6M46.6M88.9M49.7M52.2M
Income Before Tax33.4M30.9M44.3M54.9M36.2M41.9M
Net Income26.5M24.3M34.8M43.0M28.6M26.8M
Income Tax Expense6.9M6.6M9.5M11.9M7.6M15.2M
Tax Provision6.9M6.6M9.5M11.9M7.6M7.0M
Net Interest Income83.9M100.9M113.4M137.5M130.1M91.9M
Interest Income108.5M117.6M125.2M158.8M218.0M115.2M

SmartFinancial, Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash68.1M297.7M563.4M(778.7M)85.8M49.0M
Free Cash Flow23.6M23.6M43.8M44.3M33.4M57.6M
Depreciation4.3M6.0M6.7M12.6M13.5M15.7M
Other Non Cash Items(7.6M)(2.2M)1.7M3.1M5.3M5.0M
Capital Expenditures6.3M5.4M2.4M12.5M6.3M6.6M
Net Income26.5M24.3M34.8M43.0M28.6M26.8M
End Period Cash Flow184.0M481.7M1.0B266.4M352.3M387.1M
Investments(102.7M)(259.3M)(239.6M)(825.4M)(167.6M)(175.9M)
Net Borrowings(5.6M)49.6M5.6M(45.7M)(41.2M)(39.1M)
Change To Netincome1.0M(2.9M)7.6M6.1M7.0M7.4M
Change Receivables(347K)(2.5M)809K(4.2M)(3.8M)(3.6M)

SmartFinancial, Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining SmartFinancial,'s current stock value. Our valuation model uses many indicators to compare SmartFinancial, value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across SmartFinancial, competition to find correlations between indicators driving SmartFinancial,'s intrinsic value. More Info.
SmartFinancial, is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.10  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for SmartFinancial, is roughly  10.43 . At this time, SmartFinancial,'s Return On Equity is quite stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value SmartFinancial, by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

SmartFinancial, Systematic Risk

SmartFinancial,'s systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. SmartFinancial, volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was fourteen with a total number of output elements of fourty-seven. The Beta measures systematic risk based on how returns on SmartFinancial, correlated with the market. If Beta is less than 0 SmartFinancial, generally moves in the opposite direction as compared to the market. If SmartFinancial, Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one SmartFinancial, is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of SmartFinancial, is generally in the same direction as the market. If Beta > 1 SmartFinancial, moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in SmartFinancial, Stock are looking for potential investment opportunities by analyzing not only static indicators but also various SmartFinancial,'s growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of SmartFinancial, growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.4)

At this time, SmartFinancial,'s Price Earnings To Growth Ratio is quite stable compared to the past year.

SmartFinancial, November 21, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of SmartFinancial, help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of SmartFinancial,. We use our internally-developed statistical techniques to arrive at the intrinsic value of SmartFinancial, based on widely used predictive technical indicators. In general, we focus on analyzing SmartFinancial, Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build SmartFinancial,'s daily price indicators and compare them against related drivers.
When determining whether SmartFinancial, is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if SmartFinancial, Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Smartfinancial, Stock. Highlighted below are key reports to facilitate an investment decision about Smartfinancial, Stock:
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in SmartFinancial,. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.
For more information on how to buy SmartFinancial, Stock please use our How to buy in SmartFinancial, Stock guide.
You can also try the Instant Ratings module to determine any equity ratings based on digital recommendations. Macroaxis instant equity ratings are based on combination of fundamental analysis and risk-adjusted market performance.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of SmartFinancial,. If investors know SmartFinancial, will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about SmartFinancial, listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
3.5
Dividend Share
0.32
Earnings Share
1.93
Revenue Per Share
9.481
Quarterly Revenue Growth
0.346
The market value of SmartFinancial, is measured differently than its book value, which is the value of SmartFinancial, that is recorded on the company's balance sheet. Investors also form their own opinion of SmartFinancial,'s value that differs from its market value or its book value, called intrinsic value, which is SmartFinancial,'s true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because SmartFinancial,'s market value can be influenced by many factors that don't directly affect SmartFinancial,'s underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between SmartFinancial,'s value and its price as these two are different measures arrived at by different means. Investors typically determine if SmartFinancial, is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, SmartFinancial,'s price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.