SmartFinancial Valuation

SMBK Stock  USD 39.92  0.33  0.83%   
At this time, the company appears to be undervalued. SmartFinancial has a current Real Value of $42.05 per share. The regular price of the company is $39.92. Our model measures the value of SmartFinancial from inspecting the company fundamentals such as Operating Margin of 0.39 %, shares outstanding of 17.03 M, and Return On Equity of 0.0965 as well as reviewing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting SmartFinancial's valuation include:
Price Book
1.2205
Enterprise Value
311.6 M
Price Sales
3.4672
Forward PE
14.1044
Trailing PE
13.1661
Undervalued
Today
39.92
Please note that SmartFinancial's price fluctuation is very steady at this time. Calculation of the real value of SmartFinancial is based on 3 months time horizon. Increasing SmartFinancial's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
SmartFinancial's intrinsic value may or may not be the same as its current market price of 39.92, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value.
Historical Market  39.92 Real  42.05 Target  43.54 Hype  40.05 Naive  40.07
The intrinsic value of SmartFinancial's stock can be calculated using various methods such as discounted cash flow or dividend analysis. That value may differ from its market price, which is determined by factors such as investor sentiment, market trends, headlines, and other external factors that may influence SmartFinancial's stock price.
42.05
Real Value
43.59
Upside
Estimating the potential upside or downside of SmartFinancial helps investors to forecast how SmartFinancial stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of SmartFinancial more accurately as focusing exclusively on SmartFinancial's fundamentals will not take into account other important factors:
Earnings
Estimates
LowProjectedHigh
0.700.780.83
Details
Hype
Prediction
LowEstimatedHigh
38.5140.0541.59
Details
Potential
Annual Dividend
LowForecastedHigh
0.240.240.24
Details
6 Analysts
Consensus
LowTarget PriceHigh
39.6243.5448.33
Details
Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use SmartFinancial's intrinsic value based on its ongoing forecasts of SmartFinancial's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against SmartFinancial's closest peers.

SmartFinancial Cash

316.66 Million

SmartFinancial Total Value Analysis

SmartFinancial is at this time forecasted to have valuation of 311.56 M with market capitalization of 668.15 M, debt of 102.09 M, and cash on hands of 543.03 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the SmartFinancial fundamentals before making equity appraisal based on enterprise value of the company
  Takeover PriceMarket CapDebt ObligationsCash
311.56 M
668.15 M
102.09 M
543.03 M

SmartFinancial Investor Information

About 61.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 1.22. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. SmartFinancial last dividend was issued on the 17th of November 2025. The entity had 1:4 split on the 23rd of September 2015. SmartFinancial is performing exceptionally good at this time. It has a great probability to report excellent financial results in March.
Current ValueLast YearChange From Last Year 10 Year Trend
Total Cash From Operating Activities58.7 M47.4 M
Fairly Up
Slightly volatile

SmartFinancial Asset Utilization

The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The latest return on assets of SmartFinancial suggests not a very effective usage of assets in January.
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes

SmartFinancial Profitability Analysis

Taking into consideration SmartFinancial's profitability measurements, SmartFinancial is performing exceptionally good at this time. It has a great probability to showcase excellent profitability results in March. Profitability indicators assess SmartFinancial's ability to earn profits and add value for shareholders.
 
Net Income  
First Reported
2001-09-30
Previous Quarter
13.7 M
Current Value
13.7 M
Quarterly Volatility
152.6 M
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes
At this time, SmartFinancial's Gross Profit is quite stable compared to the past year. Pretax Profit Margin is expected to rise to 0.36 this year, although the value of Gross Profit Margin will most likely fall to 0.54.
Current ValueLast YearChange From Last Year 10 Year Trend
Gross Profit Margin0.540.6097
Fairly Down
Slightly volatile
Net Profit Margin0.230.1591
Way Up
Slightly volatile
Pretax Profit Margin0.360.1944
Way Up
Slightly volatile
Return On Assets0.00920.0088
Sufficiently Up
Slightly volatile
Return On Equity0.09670.0921
Sufficiently Up
Slightly volatile
For SmartFinancial profitability analysis, we use financial ratios and fundamental drivers that measure the ability of SmartFinancial to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well SmartFinancial utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between SmartFinancial's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of SmartFinancial over time as well as its relative position and ranking within its peers.

SmartFinancial Earnings per Share Projection vs Actual

The next projected EPS of SmartFinancial is estimated to be 0.78 with future projections ranging from a low of 0.7 to a high of 0.83. SmartFinancial's most recent 12-month trailing earnings per share (EPS TTM) is at 2.98. Please be aware that the consensus of earnings estimates for SmartFinancial is based on EPS before non-recurring items and includes expenses related to employee stock options.
 
Covid
 
Interest Hikes
SmartFinancial is projected to generate 0.78 in earnings per share on the 31st of March 2026. SmartFinancial earnings estimates show analyst consensus about projected SmartFinancial EPS (Earning Per Share). It derives the highest and the lowest estimates based on SmartFinancial's historical volatility. Many public companies, such as SmartFinancial, manage the perception of their earnings on a regular basis to make sure that analyst estimates are accurate. Future earnings calculations are also an essential input when attempting to value a firm.

SmartFinancial Earnings Estimation Breakdown

The calculation of SmartFinancial's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of SmartFinancial is estimated to be 0.78 with the future projection ranging from a low of 0.7 to a high of 0.83. Please be aware that this consensus of annual earnings estimates for SmartFinancial is based on EPS before non-recurring items and includes expenses related to employee stock options.
Last Reported EPS
0.81
0.70
Lowest
Expected EPS
0.78
0.83
Highest

SmartFinancial Earnings Projection Consensus

Suppose the current estimates of SmartFinancial's value are higher than the current market price of the SmartFinancial stock. In this case, investors may conclude that SmartFinancial is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and SmartFinancial's stock will quickly adjusts to the new information provided by the consensus estimate.
Number of AnalystsHistorical AccuracyLast Reported EPSEstimated EPS for 31st of March 2026Current EPS (TTM)
690.89%
0.81
0.78
2.98

SmartFinancial Ownership Allocation

SmartFinancial shows a total of 17.03 Million outstanding shares. Over half of SmartFinancial's outstanding shares are owned by institutional holders. These institutional holders are typically referred to as corporate investors that take positions in a given instrument to benefit from reduced trade commissions. Please note that no matter how many assets the company owns, if the real value of the company is less than the current market value, you may not be able to make money on it.

SmartFinancial Profitability Analysis

The company reported the previous year's revenue of 316.37 M. Net Income was 36.14 M with profit before overhead, payroll, taxes, and interest of 192.71 M.

SmartFinancial Past Distributions to stockholders

About SmartFinancial Valuation

We use absolute and relative valuation methodologies to arrive at the intrinsic value of SmartFinancial. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of SmartFinancial based exclusively on its fundamental and basic technical indicators. By analyzing SmartFinancial's financials, quarterly and monthly indicators, and their related drivers, we attempt to find the most accurate representation of SmartFinancial's intrinsic value. As compared to an absolute model, our relative valuation model uses a comparative analysis of SmartFinancial. We calculate exposure to SmartFinancial's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of SmartFinancial's related companies.
Last ReportedProjected for Next Year
Gross Profit192.9 M202.5 M
Pretax Profit Margin 0.19  0.36 
Operating Profit Margin 0.19  0.20 
Net Profit Margin 0.16  0.23 
Gross Profit Margin 0.61  0.54 
SmartFinancial's stock price is the clearest measure of market expectations about its performance. Without stock valuation, investors cannot independently discern whether SmartFinancial's value is low or high relative to the company's performance and growth projections. Determining the market value of SmartFinancial can be done in different ways, such as multiplying its stock price by its outstanding shares.
A single share of SmartFinancial represents a small ownership stake in the entity. As a stockholder of SmartFinancial, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.

SmartFinancial Dividends Analysis For Valuation

Dividends Paid is expected to rise to about 5.1 M this year, although the value of Dividend Yield will most likely fall to 0.01. . At this time, SmartFinancial's Retained Earnings are quite stable compared to the past year. Retained Earnings Total Equity is expected to rise to about 189 M this year, although the value of Price Earnings To Growth Ratio will most likely fall to 0.30.
Last ReportedProjected for Next Year
Dividends Paid4.9 M5.1 M
Dividend Yield 0.01  0.01 
Dividend Payout Ratio 0.11  0.10 
Dividend Paid And Capex Coverage Ratio 5.12  4.60 
There are various types of dividends SmartFinancial can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of SmartFinancial shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from SmartFinancial directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When SmartFinancial pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of SmartFinancial by the value of the dividends paid out.

SmartFinancial Growth Indicators

Investing in growth stocks can be very risky. If the company such as SmartFinancial does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
Common Stock Shares Outstanding16.9 M
Quarterly Earnings Growth Y O Y0.42
Forward Price Earnings14.1044

SmartFinancial Current Valuation Indicators

SmartFinancial's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final SmartFinancial's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as SmartFinancial, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use SmartFinancial's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes SmartFinancial's worth.
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 CEOs Directory module to screen CEOs from public companies around the world.
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. Comprehensive SmartFinancial assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth
0.42
Dividend Share
0.32
Earnings Share
2.98
Revenue Per Share
11.485
Quarterly Revenue Growth
0.101
SmartFinancial's market price often diverges from its book value, the accounting figure shown on SmartFinancial's balance sheet. Smart investors calculate SmartFinancial's intrinsic value—its true economic worth—which may differ significantly from both market price and book value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Since SmartFinancial's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental 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.