SmartFinancial, Inc. logo SMBK - SmartFinancial, Inc.

Price: -- -- | CONSENSUS: Hold DETAILS
STRONG
BUY
1
BUY 2
HOLD 6
SELL 0
STRONG
SELL
0
| PRICE TARGET: $49.00 DETAILS
HIGH: $50.00
LOW: $48.00
MEDIAN: $49.00
CONSENSUS: $49.00
UPSIDE: 17.68%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001
Revenue
Revenue 316.4 285.3 240.4 186.5 149.2 133.0 115.2 96.7 55.7 45.6 29.2 21.3 20.4 20.4 21.7 28.3 28.6 32.6 36.5 31.3 22.6 15.5 12.6 10.7 197.6
Cost of Revenue 123.5 118.9 91.0 25.4 13.5 25.4 27.2 18.5 6.5 5.1 3.7 2.5 3.8 5.2 6.8 16.5 26.1 16.2 24.8 11.4 7.5 4.4 3.8 4.0 0
Gross Profit 192.9 166.3 149.4 161.2 135.7 107.6 88.0 78.2 49.2 40.5 25.6 18.8 16.6 15.2 14.9 11.8 2.5 16.4 11.7 19.9 15.1 11.0 8.8 6.7 197.6
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 94.6 76.8 70.2 67.4 54.3 44.9 39.8 34.2 23.7 20.8 14.0 10.6 7.2 7.1 7.2 7.5 8.2 7.5 6.6 6.0 4.5 3.9 3.3 2.6 0
Other Expenses 36.8 44.1 42.9 38.9 37.1 31.8 14.8 22.7 14.0 10.5 8.4 5.3 6.6 6.0 6.5 10.6 7.9 5.1 4.3 4.7 3.7 3.0 2.4 2.4 (745.0)
Operating Expenses 131.4 120.9 113.2 106.3 91.4 76.7 54.6 56.9 37.7 31.3 22.4 15.9 13.8 13.2 13.7 18.0 16.1 12.6 10.9 10.7 8.2 6.9 5.7 5.0 (745.0)
Operating Income
Operating Income 61.5 45.5 36.2 54.9 44.3 30.9 33.4 21.3 11.4 9.2 3.2 3.0 2.7 2.0 1.2 (6.2) (13.5) 3.8 0.7 9.1 6.9 4.2 3.1 1.7 (3,599.5)
Interest Expense 119.9 113.8 88.0 21.3 11.8 16.7 24.6 15.6 5.7 4.3 2.8 2.0 3.5 4.8 6.4 9.2 11.2 12.7 14.4 10.3 6.1 3.6 3.2 3.3 (4,542.1)
Interest Income 286.0 251.1 218.0 158.8 125.2 117.6 108.5 92.2 52.0 42.6 27.8 20.7 18.5 19.4 20.5 25.2 26.3 30.7 34.8 29.2 20.7 14.1 11.3 9.7 0
Profitability
EBITDA 69.9 56.9 49.7 67.6 53.3 38.7 37.7 24.6 9.8 11.3 4.2 4.6 3.2 2.5 1.7 (5.7) (12.6) 4.5 1.3 10.1 7.6 4.9 3.5 2.0 (3,200.4)
EBIT 61.5 45.5 36.2 54.9 44.3 30.9 33.4 21.3 11.4 9.2 3.2 3.0 2.7 2.0 1.2 (6.2) (13.5) 3.8 0.7 9.1 6.9 4.2 3.1 1.7 (3,599.5)
Income Before Tax 61.5 45.5 36.2 54.9 44.3 30.9 33.4 21.3 11.4 9.2 3.2 3.0 2.7 2.0 1.2 (6.2) (13.5) 3.8 0.7 9.1 6.9 4.2 3.1 1.7 942.6
Income Tax Expense 11.2 9.3 7.6 11.9 9.5 6.6 6.9 3.2 6.4 3.4 1.6 1.1 1.0 0.6 0.2 (1.5) (5.3) 1.3 (0.1) 3.3 2.6 1.6 1.2 0.7 373.0
Net Income 50.3 36.1 28.6 43.0 34.8 24.3 26.5 18.1 5.0 5.8 1.5 1.8 1.7 1.4 1.0 (4.7) (8.2) 2.5 0.9 5.8 4.3 2.6 1.9 1.1 569.6
Per Share Data
EPS (Basic) 3.01 2.16 1.70 2.57 2.23 1.63 1.90 1.46 0.56 0.82 0.27 0.04 0.08 0.08 0.20 -2.92 -5.04 1.56 0.54 3.50 1.34 1.01 0.99 0.56 462.35
EPS (Diluted) 2.98 2.14 1.69 2.55 2.22 1.62 1.89 1.43 0.56 0.78 0.25 0.04 0.08 0.08 0.20 -2.92 -5.04 1.52 0.51 3.31 1.25 0.89 0.92 0.52 457.52
Shares Outstanding 16.8 16.8 16.8 16.7 15.6 15.0 14.0 12.4 8.6 5.9 5.8 1.7 1.6 1.6 1.6 1.6 1.6 1.6 1.7 1.7 3.2 2.6 1.9 1.9 1.2
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001
Current Assets
Cash & Cash Equivalents 464.4 373.5 294.8 251.1 1,007.6 415.3 160.5 115.8 106.1 68.7 38.2 10.9 6.9 7.1 4.9 6,225.0
Short-Term Investments 678.4 311.2 408.4 483.9 482.5 215.6 178.3 201.7 151.9 129.4 0 0 0 0 0 0
Net Receivables 0 64.0 68.1 66.1 53.4 0 0 0 0 0 1.5 1.8 1.2 0.9 0.7 0
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 10.9 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 1,153.7 748.7 771.3 801.1 1,543.4 630.9 338.9 317.5 258.0 198.2 39.7 12.6 8.1 8.0 5.6 6,225.0
Non-Current Assets
Property, Plant & Equipment 88.4 91.1 93.0 92.5 86.0 72.7 59.4 56.0 43 30.5 8.1 8.5 6.0 4.3 4.0 0
Goodwill 95.3 96.1 96.1 96.1 91.6 74.1 65.6 66.1 42.9 4.2 2.5 2,541.5 1.2 2,541.5 0 0
Intangible Assets 0 8.6 11.0 13.6 14.3 12.3 11.6 12.9 8.0 2.5 0 0 0 0 0 0
Long-Term Investments 4,322.7 4,108.7 3,626.9 3,451.9 2,702.7 2,375.6 1,893.0 1,780.5 1,317.4 808.3 455.3 422.7 229.4 180.7 145.3 0
Other Non-Current Assets 200.7 222.7 231.0 182.2 173.6 139.2 80.6 41.4 51.5 18.8 26.7 25.1 2.6 5.4 5.0 0
Total Non-Current Assets 4,707.1 4,527.2 4,058.0 3,836.4 3,068.2 2,674.0 2,110.2 1,956.9 1,462.8 864.3 492.7 459.2 240.5 193.0 154.3 0
Total Assets 5,860.8 5,275.9 4,829.4 4,637.5 4,611.6 3,304.9 2,449.1 2,274.4 1,720.8 1,062.5 532.4 471.8 248.6 201.0 159.9 142,458.2
Current Liabilities
Account Payables 0 0 0 0 0 0 0 0 0 0 0.4 0.5 0.1 0.1 0.1 0
Short-Term Debt 3.0 8.1 13.1 17.3 12.2 5.8 6.2 11.8 24.1 26.6 26.3 35.8 7.4 6.1 3.5 0
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 5,152.8 4,686.5 4,267.9 4,077.1 4,021.9 2,805.2 2,047.2 1,922.0 1,438.6 907.1 404.7 326.6 187.8 159.4 130.4 0
Total Current Liabilities 5,155.8 4,694.6 4,281.0 4,094.4 4,034.1 2,811.0 2,053.4 1,941.0 1,471.3 938.7 431.4 362.8 195.3 165.5 134.1 0
Non-Current Liabilities
Long-Term Debt 98.7 39.7 42.1 66.6 129.5 114.7 64.7 50.4 43.6 18.5 72.3 71.2 27 17.4 10 0
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 53.9 50.2 46.4 44.0 18.5 22.0 18.3 (0.0) 0 0 0.8 1.2 1.5 1.2 0.7 0
Total Non-Current Liabilities 152.5 89.9 88.5 110.6 148 136.8 83.0 50.4 43.6 18.5 73.2 72.5 28.5 18.6 10.7 0
Total Liabilities 5,308.3 4,784.4 4,369.5 4,205.0 4,182.1 2,947.8 2,136.4 1,991.4 1,514.9 957.2 504.6 435.3 223.8 184.1 144.8 128,378.9
Stockholders' Equity
Common Stock 17.0 16.9 17.0 16.9 16.8 15.1 14.0 13.9 11.2 5.9 6.5 6.3 2.9 1.2 1.2 1,233.2
Retained Earnings 248.7 203.8 173.1 156.5 118.2 87.2 65.8 40.0 21.9 16.9 0.4 10.1 4.3 3.3 1.5 476.9
Accumulated Other Comprehensive Income (9.3) (23.7) (25.9) (35.3) 1.4 2.2 0.2 (2.8) (1.2) (1.0) (0.3) (0.2) (1.6) 0.2 0.3 275.4
Total Stockholders' Equity 552.4 491.3 459.9 432.5 429.4 357.2 312.7 283.0 205.9 105.2 27.8 36.5 24.8 16.9 15.1 14,079.3
Total Liabilities & Equity 5,860.8 5,275.9 4,829.4 4,637.5 4,611.6 3,304.9 2,449.1 2,274.4 1,720.8 1,062.5 532.4 471.8 248.6 201.0 159.9 142,458.2
Debt Metrics
Total Debt 101.7 47.8 55.2 83.9 141.7 120.5 70.9 62.2 67.7 45.1 98.7 107.0 34.4 23.5 13.5 0
Net Debt (362.7) (325.7) (239.6) (167.2) (865.9) (294.8) (89.7) (53.6) (38.4) (23.6) 60.5 96.2 27.5 16.4 8.6 (6,225.0)
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001
Operating Activities
Net Income 50.3 36.1 28.6 43.0 34.8 24.3 26.5 18.1 5.0 5.8 4.3 2.6 1.9 1.1 569.6
Depreciation & Amortization 9.7 11.4 13.5 12.6 9.0 7.8 4.3 3.3 (1.7) 2.2 0.8 0.7 0.4 0.3 399.0
Stock-Based Compensation 1.9 1.6 1.3 1.3 0.7 0.5 0.5 0.4 0.2 0.1 0 0 0 0 0
Change in Working Capital 0.5 3.0 (10.3) (2.7) (0.6) (0.1) 5.3 (1.7) (3.0) 4.0 1.0 0.7 (0.3) (0.0) 6,319.6
Other Non-Cash Items (0.3) 0.4 5.3 3.1 1.7 (2.2) (7.6) (1.7) (0.9) (0.6) 1.1 0.6 3.0 1.9 0
Operating Cash Flow 61.7 52.7 39.7 56.8 46.2 29.1 29.9 20.8 1.2 11.6 6.7 4.6 4.7 3.2 1,401.3
Investing Activities
Capital Expenditure (2.4) (6.4) (6.3) (12.5) (2.4) (5.4) (6.3) (3.8) (2.8) (7.0) (2.0) (2.4) (0.6) (0.3) 0
Acquisitions 0 0 0 (4.9) 15.4 46.1 0 4.4 (0.2) 0 (1.4) 0 0 0 0
Purchases of Investments (6.3) (131.4) (130.6) (347.9) (436.2) (94.1) (17.6) (72.1) (54.0) (23.3) (16.0) (22.6) (24.4) (14.3) (8,373.7)
Sales/Maturities of Investments 1.0 216.4 214.4 80.9 149.5 88.0 46.3 93.5 82.9 57.5 11.9 20.7 20.9 13.3 0
Other Investing Activities (493.8) (498.9) (212.7) (556.5) 8.3 (293.9) (117.2) (116.7) (76.6) (81.5) (58.8) (48.4) (34.8) (20.9) (14,108.7)
Investing Cash Flow (499.0) (420.2) (135.2) (840.8) (265.0) (259.3) (94.8) (94.9) (50.7) (54.3) (66.3) (52.7) (38.9) (22.2) (22,482.3)
Financing Activities
Net Debt Issuance 54.6 (6.5) (4.5) (45.4) 7.1 50.0 14.2 (7.2) 20.2 (15.7) 0.4 10.9 10.0 6 0
Stock Repurchased 0 (3.0) 0 0 (1.2) (4.3) 0 0 0 0 0 0 0 0 0
Dividends Paid (5.5) (5.4) (5.4) (4.7) (3.7) (3.0) (0.7) 0 (0.2) (0.8) (0.5) (0.1) 0 0 0
Other Financing Activities 464.9 417.5 191.1 55.1 779.8 485.0 119.1 82.5 47.9 47.1 64.6 28.5 28.9 10.2 22,177.3
Financing Cash Flow 514.2 402.8 181.4 5.4 782.2 528.0 133.1 76.8 93.8 31.5 67.3 45.0 39.0 16.2 22,177.3
Cash Position
Net Change in Cash 76.8 35.3 85.8 (778.7) 563.4 297.7 68.1 2.8 44.3 (11.2) 7.7 (3.2) 4.7 (2.7) 1,096.3
Cash at Beginning 387.6 352.3 266.4 1,045.1 481.7 184.0 115.8 113.0 68.7 80.0 6.9 10.1 5.4 8.1 7,033.5
Cash at End 464.4 387.6 352.3 266.4 1,045.1 481.7 184.0 115.8 113.0 68.7 14.6 6.9 10.1 5.4 8,129.8
Free Cash Flow 59.3 46.3 33.4 44.3 43.8 23.6 23.6 17.0 (1.6) 4.6 4.7 2.1 4.1 2.9 1,401.3
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001
Income Statement
Revenue 316.4 285.3 240.4 186.5 149.2 133.0 115.2 96.7 55.7 45.6 29.2 21.3 20.4 20.4 21.7 28.3 28.6 32.6 36.5 31.3 22.6 15.5 12.6 10.7 197.6
Gross Profit 192.9 166.3 149.4 161.2 135.7 107.6 88.0 78.2 49.2 40.5 25.6 18.8 16.6 15.2 14.9 11.8 2.5 16.4 11.7 19.9 15.1 11.0 8.8 6.7 197.6
Operating Income 61.5 45.5 36.2 54.9 44.3 30.9 33.4 21.3 11.4 9.2 3.2 3.0 2.7 2.0 1.2 (6.2) (13.5) 3.8 0.7 9.1 6.9 4.2 3.1 1.7 (3,599.5)
Net Income 50.3 36.1 28.6 43.0 34.8 24.3 26.5 18.1 5.0 5.8 1.5 1.8 1.7 1.4 1.0 (4.7) (8.2) 2.5 0.9 5.8 4.3 2.6 1.9 1.1 569.6
EPS (Diluted) 2.98 2.14 1.69 2.55 2.22 1.62 1.89 1.43 0.56 0.78 0.25 0.04 0.08 0.08 0.20 -2.92 -5.04 1.52 0.51 3.31 1.25 0.89 0.92 0.52 457.52
Balance Sheet
Cash & Equivalents 464.4 373.5 294.8 251.1 1,007.6 415.3 160.5 115.8 106.1 68.7 38.2 10.9 6.9 7.1 4.9 6,225.0
Total Assets 5,860.8 5,275.9 4,829.4 4,637.5 4,611.6 3,304.9 2,449.1 2,274.4 1,720.8 1,062.5 532.4 471.8 248.6 201.0 159.9 142,458.2
Total Debt 101.7 47.8 55.2 83.9 141.7 120.5 70.9 62.2 67.7 45.1 98.7 107.0 34.4 23.5 13.5 0
Stockholders' Equity 552.4 491.3 459.9 432.5 429.4 357.2 312.7 283.0 205.9 105.2 27.8 36.5 24.8 16.9 15.1 14,079.3
Cash Flow
Operating Cash Flow 61.7 52.7 39.7 56.8 46.2 29.1 29.9 20.8 1.2 11.6 6.7 4.6 4.7 3.2 1,401.3
Capital Expenditure (2.4) (6.4) (6.3) (12.5) (2.4) (5.4) (6.3) (3.8) (2.8) (7.0) (2.0) (2.4) (0.6) (0.3) 0
Free Cash Flow 59.3 46.3 33.4 44.3 43.8 23.6 23.6 17.0 (1.6) 4.6 4.7 2.1 4.1 2.9 1,401.3