Profitability
Weight: 25%
C
56
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 66.9%
- Efficiency Ratio Trend -1.09 pp/yr
SMBK
SmartFinancial, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
D+
42
- 5yr Avg ROE 8.1%
- 5yr Share-Count CAGR 2.4%
Growth Quality
Weight: 15%
A+
94
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 18.9%
- Efficiency Ratio Trend (growth quality check) -1.09 pp/yr
- Revenue-Growth Years (5) 5/5
Cash Generation
Weight: 15%
D
37
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.07
Balance Sheet
Weight: 20%
B+
76
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 9.4%
Stability
Weight: 10%
C+
58
- EPS Volatility (σ/μ) 0.51
- Negative-Revenue Years (5) 0/5
- Piotroski F-Score 6
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.1 of 2 gurus held; 1 trimmed; 1 full exit.
- Holders
- 1 -1
- Avg Δ position
- -13.7%
- New buys
- 0
- Full exits
- 1