# SmartFinancial Inc. (SMBK) fundamentals

Data as of 2026-11-04. NYSE, United States. Sector: Financial Services / Banks. Price $48.60, market value $831 million.

## Valuation
- **P/E (trailing): 13.2×** (5-yr avg 12.6×, 3-yr avg 13.6×). SmartFinancial Inc. trades at 13.2× trailing earnings, close to its own five-year average of 12.6×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 11.7×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.30**. A PEG of 0.30 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 1.4×**. The shares trade at 1.4× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 7.9%** (5-yr avg 9.5%). Free cash flow equals 7.9% of the market value, in line with its five-year average of 9.5%. Above 5% is generally attractive.
- **Earnings yield: 7.6%**. The inverse of the P/E: 7.6% of the price is earned each year.

## Profitability
- **Return on equity: 9.1%**. 9.1% on shareholders' equity is weak; the business earns little on the capital its owners have in it.

## Growth
- **EPS growth (1 yr): 39.3%** (3-yr 5.3%/yr, 5-yr 13.0%/yr). Earnings per share rose 39.3%.
- **Free-cash-flow growth (3 yr): 10.2%/yr**. Free cash flow has compounded at 10.2% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: $464 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 0.74%** ($0.34 per share, trailing). SmartFinancial Inc. yields 0.74%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 11%** (9% of free cash flow). 11% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 7**. 7 straight years of increases.
- **Dividend growth (5 yr): 9.9%/yr** (1-yr 0.0%). The dividend has grown 9.9% a year over five years.

## Analyst view
- **Analyst consensus: buy** (6 analysts). 6 analysts cover SmartFinancial Inc.; the consensus is buy, with an average price target of $52.38 (+8% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 42.0%** (YTD 33.9%, 3-mo -7.2%). The shares are up 42.0% over twelve months including dividends.
- **From 52-week high: -10.2%** (42.0% above the low). Trading 10% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 47**. An RSI of 47 is neutral.
- **Beta (1 yr): 0.42** (volatility 24%). Beta of 0.42 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=SMBK · Page: https://foliofundamentals.com/stocks/smbk

Not investment advice.