SmartFinancial Inc
Research SmartFinancial Inc (SMBK) on Bullrun: valuation model: 12.5% overvalued, market cap USD 869.46M, P/E 15.0, dividend yield 0.7%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerSMBK
- ExchangeNYSE
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal12.5% overvalued
- Market capUSD 869.46M
- P/E15.0
- Dividend yield0.7%
- Financial periodQ1 2026
- RevenueUSD 53.82M
- Net incomeUSD 13.68M
- Free cash flowUSD 10.16M
Valuation Snapshot
Bullrun's latest valuation model marks SmartFinancial Inc as 12.5% overvalued; latest market cap is USD 869.46M; P/E is 15.0; dividend yield is 0.7%.
Peer valuation comparison
Latest P/E is 15x versus a Financial Services sector median of 13.84x (8.4% above).
Latest dividend yield is 0.67% versus a Financial Services sector median of 3.86% (82.6% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 196.50M | USD 50.35M | USD 59.34M | n/a | 2.98 | USD 464.42M | USD 3.00M | USD 552.38M |
| FY2024 | USD 171.50M | USD 36.14M | USD 46.30M | n/a | 2.14 | USD 387.57M | USD 8.10M | USD 491.35M |
| FY2023 | n/a | USD 28.59M | USD 33.45M | n/a | 1.69 | USD 352.27M | USD 13.10M | USD 459.89M |
| FY2022 | n/a | USD 43.02M | USD 44.31M | n/a | 2.55 | USD 266.42M | USD 41.90M | USD 432.45M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 869.46M | 15.0 | 0.7% | 0.34 |
| 2025 | 2025-12-31 | USD 629.91M | 12.4 | 0.9% | 0.32 |
| 2024 | 2024-12-31 | USD 524.36M | 14.5 | 1.0% | 0.32 |
| 2023 | 2023-12-29 | USD 416.20M | 11.7 | 1.3% | 0.32 |
| 2022 | 2022-12-30 | USD 464.43M | 12.7 | 1.0% | 0.28 |
| 2021 | 2021-12-31 | USD 459.73M | 12.3 | 0.9% | 0.24 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 0.34 USD, yield 0.7%.
| Year | Dividends/share |
|---|---|
| FY2025 | 0.32 USD |
| FY2024 | 0.32 USD |
| FY2023 | 0.32 USD |
| FY2022 | 0.28 USD |
About SmartFinancial Inc
SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers in the United States. The company offers various deposits, including noninterest-bearing and interest-bearing checking, savings, money market, and individual retirement accounts, as well as certificates of deposit.
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Frequently asked questions
Is SmartFinancial Inc overvalued or undervalued?
Bullrun's valuation model currently marks SmartFinancial Inc as 12.5% overvalued.
What is SmartFinancial Inc's market cap?
SmartFinancial Inc's market capitalization is USD 869.46M.
What is SmartFinancial Inc's P/E ratio?
SmartFinancial Inc's price-to-earnings (P/E) ratio is 15.0.
Does SmartFinancial Inc pay a dividend?
SmartFinancial Inc has a dividend yield of 0.7%.
What does SmartFinancial Inc do?
SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers in the United States. The company offers various deposits, including noninterest-bearing and interest-bearing checking, savings, money market, and individual retirement accounts, as well as certificates of deposit.