# SmartFinancial Inc. (SMBK) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Banks. Price $51.87, market value $887 million.

## Valuation
- **P/E (trailing): 15.3×** (5-yr avg 12.6×, 3-yr avg 13.6×). SmartFinancial Inc. trades at 15.3× trailing earnings, well above its own five-year average of 12.6×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 12.4×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.32**. A PEG of 0.32 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 1.5×**. The shares trade at 1.5× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 7.4%** (5-yr avg 9.5%). Free cash flow equals 7.4% of the market value, below its five-year average of 9.5%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 6.5%**. The inverse of the P/E: 6.5% 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: 0.66%** ($0.33 per share, trailing). SmartFinancial Inc. yields 0.66%, 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 $52.71 (+2% 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): 39.9%** (YTD 40.8%, 3-mo 22.7%). The shares are up 39.9% over twelve months including dividends.
- **From 52-week high: -4.2%** (57.1% above the low). Trading within 5% of 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): 58**. An RSI of 58 is neutral.
- **Beta (1 yr): 0.50** (volatility 25%). Beta of 0.50 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.