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SmartFinancial

NYQ:SMBK · US83190L2088
BanksSmall

360

15
Profit price31
Cash yield29
Price/Sales49
EV / Gross Profit69
Price/Book37
Returns on capital52
Profit margins—
Cash Conversion58
Accruals11
Owner Earnings Margin34
Sales growth58
Profit Growth40
Owner Earnings Growth31
Reinvestment84
Price momentum57
Debt load80
Debt serviceability29
Liquidity1
Analyst ratings12
Opinion Changes50
Price Target Upside39
Market mood100
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

SmartFinancial generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNYSE
Websitesmartfinancialinc.com
ISINUS83190L2088
Last UpdateApr 2, 2026
Indices
Sound Pay Practices (USA)
Themes
Financial Services

Description

SmartFinancial, Inc. (SmartFinancial) operates as a bank holding company for SmartBank (SmartBank or the ‘bank’) that provides financial services to its customers. The principal business of the company consists of attracting deposits from the genera…

Analysis

Hope premium

SmartFinancial, Inc. carries what we call a hope premium: an average business trading at an ambitious price.

The price is attractive. You pay 14.2× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is solid and the balance sheet is adequate. The company scores 20/20 on our value-creation score: strong value creator. Analyst sentiment is cautious.

What to watch: Some accounting patterns deserve a closer look. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
37
2023202420252026

All-time high

65

Jan 2023

All-time low

20

Mar 2026

Average rank

44

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
49
56
75
79
Price/Earnings
32
17
28
59
Price/Book
37
34
69
73
Dividend Yield
29
12
14
15
Value (overall)
20
33
45
57

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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The companies this stock is ranked against.

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Hope Bancorp
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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →