SmartFinancial, Inc. Ratios | P/E, ROE & Valuation

On the Key Ratios page for SmartFinancial, Inc. (SMBK), the latest P/E of 14.9 frames valuation, while ROE 10.30% and ROIC 0.94% indicates profitability and capital efficiency. Together with the current ratio of 260.57 and debt-to-equity 0.19, these signals help you judge whether valuation is supported by fundamentals across the historical rows.

Financial Performance Ratios

SMBK Historical Per Share Metrics

10 years
Metric (FY)TTM202420232022202120202019201820172016
Revenue per Share$19.69$17.01$14.29$11.14$9.58$8.90$8.25$7.79$6.45$7.73
Net Income per Share$3.41$2.16$1.70$2.57$2.23$1.63$1.90$1.46$0.58$0.98
Operating Cash Flow per Share$4.37$3.14$2.36$3.39$2.97$1.94$2.14$1.68$0.14$1.97
Free Cash Flow per Share$4.19$2.76$1.99$2.65$2.81$1.58$1.69$1.37$-0.18$0.78
Cash per Share$38.22$40.83$41.82$43.91$95.68$42.19$24.29$25.57$29.89$33.61
Book Value per Share$34.29$29.31$27.35$25.83$27.58$23.88$22.41$22.79$23.85$17.85
Tangible Book Value per Share$28.68$23.06$20.98$19.28$20.78$18.10$16.88$16.43$17.96$16.72
Interest Debt per Share$13.75$9.63$8.51$6.29$9.86$9.18$6.84$6.26$8.50$8.38
CAPEX per Share$0.18$0.38$0.37$0.75$0.15$0.36$0.45$0.31$0.32$1.19

SMBK Historical Valuation Ratios

10 years
Metric (FY)TTM202420232022202120202019201820172016
Price to Earnings (P/E)14.8914.3714.410.712.2511.1512.4312.5237.3518.87
Price to Book (P/B)1.491.060.91.060.990.761.060.80.911.04
Price to Sales (P/S)2.631.821.712.472.862.042.872.353.372.4
Enterprise Value to EBITDA12.073.413.464.34-8.25-0.616.377.0315.277.56
EV to Sales2.710.680.721.57-2.95-0.182.091.792.681.88
EV to Operating Cash Flow12.233.684.345.16-9.52-0.818.058.32120.087.4
EV to Free Cash Flow12.754.195.156.62-10.04-0.9910.1910.2-95.5318.67
Enterprise Value$898.37M$193.77M$172.18M$293.15M$-439.77M$-23.48M$240.34M$173.21M$148.91M$85.81M

SMBK Historical Profitability Ratios

10 years
Metric (FY)TTM202420232022202120202019201820172016
Return on Equity (ROE)10.30%7.36%6.22%9.95%8.10%6.81%8.49%6.40%2.44%5.51%
Return on Invested Capital (ROIC)0.94%6.13%5.09%7.68%5.90%4.87%6.61%5.24%1.83%3.86%
Return on Tangible Assets0.95%0.70%0.61%0.96%0.77%0.76%1.12%0.83%0.30%0.55%
Earnings Yield6.70%6.96%6.94%9.35%8.17%8.97%8.05%7.99%2.68%5.30%
Free Cash Flow Yield8.09%8.91%8.12%9.62%10.28%8.71%7.15%7.48%-0.83%4.20%
Dividend Yield0.67%1.04%1.32%1.03%0.87%1.10%0.21%0.00%0.10%0.69%

SMBK Historical Liquidity & Financial Strength

10 years
Metric (FY)TTM202420232022202120202019201820172016
Current Ratio260.570.160.180.20.380.220.170.160.180.21
Interest Coverage0.590.40.412.573.741.841.361.372.012.13
Income Quality1.281.461.391.321.331.191.121.150.252
Debt to Equity0.190.10.120.190.330.340.230.220.330.43
Debt to Assets1.81%0.91%1.14%1.82%3.07%3.65%2.89%2.73%3.93%4.25%
Net Debt to EBITDA0.37-5.73-4.82-2.48-16.24-7.63-2.38-2.18-3.94-2.08

SMBK Historical Efficiency Ratios

10 years
Metric (FY)TTM202420232022202120202019201820172016
Receivables Turnover21.794.463.532.822.7900000
Payables Turnover0000000000
Inventory Turnover0000000000
Days Sales Outstanding16.7581.83103.43129.4130.600000
Days Payables Outstanding0000000000
Days of Inventory on Hand0000000000

SMBK Historical Market Metrics

10 years
Metric (FY)TTM202420232022202120202019201820172016
Enterprise Value to EBITDA12.073.413.464.34-8.25-0.616.377.0315.277.56
Market Cap$870.83M$519.50M$411.80M$460.35M$426.08M$271.28M$329.99M$226.86M$187.32M$109.43M
Enterprise Value$898.37M$193.77M$172.18M$293.15M$-439.77M$-23.48M$240.34M$173.21M$148.91M$85.81M
Dividend Yield0.67%1.04%1.32%1.03%0.87%1.10%0.21%0.00%0.10%0.69%
Payout Ratio9.82%15.00%18.98%10.98%10.72%12.27%2.64%0.00%3.89%12.97%

Frequently Asked Questions

How does SmartFinancial, Inc.’s P/E ratio compare with its history?

On this page, SMBK's current P/E is 14.9, compared with a multi-year average around 15.9. When the current P/E sits near its historical average, the multiple is close to that range. Look at trend direction in profitability and cash-flow rows, plus liquidity and leverage, rather than treating the P/E in isolation.

What is SmartFinancial, Inc. market cap?

Market cap is the market value of a company's equity and is commonly calculated as share price multiplied by shares outstanding. The latest market cap shown in the table is $870.83M. Pair market cap with valuation multiples (P/E, P/B, P/S) so you can evaluate whether size also corresponds with "quality" and profitability. For a wider view across stocks, you can also use the stock screener.

How does SmartFinancial, Inc.’s P/E compare with its industry?

There is no P/E Tickerplace rates as good. Compare the P/E on this page with SmartFinancial, Inc.'s own historical range (in the table) and with peers via the Screener and Compare tools. A higher or lower multiple versus peers is a calculated gap, not a recommendation.

How does SmartFinancial, Inc. compare to its competitors in key financial ratios?

The fastest way to compare SmartFinancial, Inc. with competitors is to use the built-in "Peers Comparison" section on this page and the Compare tool. Focus on a small set of ratios that work together: P/E for valuation, ROE/ROIC for profitability and capital efficiency, current ratio and interest coverage for liquidity and solvency, and debt-to-equity for leverage risk. When you see SmartFinancial, Inc. outperform peers on profitability while keeping valuation and leverage reasonable, it often signals stronger fundamentals.

What do SmartFinancial, Inc.'s liquidity and leverage ratios show?

Liquidity and leverage figures on this page are published ratios, not a verdict that SmartFinancial, Inc. is financially strong. Current ratio is about 260.57, which is above 1.0 and can indicate more comfortable short-term liquidity. Interest coverage is about 0.59, implying less buffer for servicing interest costs. Debt-to-equity is about 0.19, suggesting leverage is more moderate relative to a high-debt profile. Pair them with ROE/ROIC and cash-flow rows in the table. Tickerplace does not rate the company as a good or poor investment.

What do SmartFinancial, Inc.'s financial ratios say about its future growth?

Ratios are a way to see what the business is likely to sustain. Look for upward trends in profitability metrics (ROE and ROIC), improving earnings/cash-flow backed measures, and stable or strengthening liquidity. If SmartFinancial, Inc. is sustaining strong returns (for example ROE at 10.30% and ROIC at 0.94%) while debt levels and interest coverage remain manageable, growth expectations may be more credible. If valuation multiples expand while returns weaken, the market may be pricing optimistic growth ahead of results.