SmartFinancial, Inc.
General ticker "SMBK" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $563.6M (TTM average)
SmartFinancial, Inc. follows the US Stock Market performance with the rate: 69.2%.
Estimated limits based on current volatility of 1.9%: low 38.71$, high 40.18$
Factors to consider:
- Company pays dividends (quarterly): last record date 2025-11-17, amount 0.08$ (Y0.80%)
- Total employees count: 597 (+2.1%) as of 2024
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Interest rate fluctuations, Cybersecurity threats, Government regulations, AI risks, Market competition
- Price in estimated range
- Earnings for 9 months up through Q3 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [28.12$, 39.32$]
- 2025-12-31 to 2026-12-31 estimated range: [28.39$, 40.13$]
Financial Metrics affecting the SMBK estimates:
- Positive: with PPE of 15.2 at the end of fiscal year the price was neutral
- Positive: 7.61 < Operating profit margin, % of 15.94
- Positive: 6.66 < Operating cash flow per share per price, % of 10.03
- Positive: Industry operating cash flow per share per price (median), % of 10.64 > 10.21
- Negative: Shareholder equity ratio, % of 9.31 <= 19.41
- Positive: Industry earnings per price (median), % of 6.49 > 4.47
- Positive: Industry operating profit margin (median), % of 21.25 > 9.53
- Negative: Investing cash flow per share per price, % of -80.01 <= -14.20
- Positive: -3.56 < Return on assets ratio (scaled to [-100,100]) of 0.68
- Negative: -0.18 < Industry inventory ratio change (median), % of 0
Short-term SMBK quotes
Long-term SMBK plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $186.55MM | $240.37MM | $285.27MM |
| Operating Expenses | $131.64MM | $204.14MM | $239.81MM |
| Operating Income | $54.91MM | $36.23MM | $45.46MM |
| Interest Expense | $21.33MM | $87.96MM | $113.77MM |
| Income(Loss) | $54.91MM | $36.23MM | $45.46MM |
| Taxes | $11.89MM | $7.63MM | $9.32MM |
| Profit(Loss)* | $43.02MM | $28.59MM | $36.14MM |
| Stockholders Equity | $432.45MM | $459.89MM | $491.35MM |
| Assets | $4,637.50MM | $4,829.39MM | $5,275.90MM |
| Operating Cash Flow | $56.79MM | $39.72MM | $52.70MM |
| Capital expenditure | $12.49MM | $6.27MM | $6.41MM |
| Investing Cash Flow | $-840.82MM | $-135.24MM | $-420.22MM |
| Financing Cash Flow | $5.37MM | $181.37MM | $402.82MM |
| Earnings Per Share** | $2.57 | $1.70 | $2.16 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.