← SMARTFINANCIAL INC. SMBK
Market Price
$52.59
Market Cap
$899.89M
P/E Ratio
17.65
Revenue (FY 2025)
↑16.9% YoY
$200.46M
3-Yr CAGR: 6.7%
Net Income
↑39.3% YoY
$50.35M
Net Margin: 25.1%
Free Cash Flow
↑28.2% YoY
$59.34M
FCF Yield: 6.59%
EPS (Diluted)
↑39.3% YoY
$2.98
Basic: $3.00
Return on Equity
Efficiency
9.1%
ROA: 0.9%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (SMBK)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $42.4M | — | $38.1M | $5.8M | — | $0.78 | — | $11.6M | $4.6M | — |
| FY 2017 | $51.3M | +20.9% | $45.6M | $5.0M | -13.5% | $0.55 | -29.5% | $6.6M | $3.8M | -16.4% |
| FY 2018 | $83.2M | +62.2% | $67.7M | $18.1M | +261.0% | $1.45 | +163.6% | $20.8M | $17.0M | +341.7% |
| FY 2019 | $99.2M | +19.2% | $74.6M | $26.5M | +46.7% | $1.89 | +30.3% | $29.9M | $23.6M | +39.0% |
| FY 2020 | $116.3M | +17.2% | $99.5M | $24.3M | -8.3% | $1.62 | -14.3% | $29.1M | $23.6M | +0.1% |
| FY 2021 | $137.3M | +18.1% | $125.5M | $34.8M | +43.0% | $2.22 | +37.0% | $46.2M | $43.8M | +85.4% |
| FY 2022 | $165.2M | +20.3% | $143.9M | $43.0M | +23.7% | $2.55 | +14.9% | $56.8M | $44.3M | +1.1% |
| FY 2023 | $152.4M | -7.8% | $64.4M | $28.6M | -33.5% | $1.69 | -33.7% | $39.7M | $33.4M | -24.5% |
| FY 2024 | $171.5M | +12.5% | $57.7M | $36.1M | +26.4% | $2.14 | +26.6% | $52.7M | $46.3M | +38.4% |
| FY 2025 | $200.5M | +16.9% | $80.6M | $50.3M | +39.3% | $2.98 | +39.3% | $61.7M | $59.3M | +28.2% |
Valuation
Market Price
$52.59
Market Cap
$899.89M
Enterprise Value
N/A
P/E Ratio
17.65
P/B Ratio
1.63
FCF Yield
6.59%
Dividend Yield
N/A
Shares Outstanding
Profitability & Margins
Gross Margin
40.20%
Operating Margin
30.68%
Net Margin
25.12%
Return on Equity (ROE)
9.11%
Return on Assets (ROA)
0.86%
Asset Turnover
0.03x
Revenue 3-Yr CAGR
6.66%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
N/A
Debt / Assets
N/A
Cash & Equivalents
$464.42M
Total Debt
N/A
Book Value / Share
$32.31
Cash Flow Efficiency
Operating Cash Flow
$61.72M
Capital Expenditures (CapEx)
$2.39M
Free Cash Flow
$59.34M
OCF / Revenue
30.79%
FCF / Revenue
29.60%
FCF 3-Yr CAGR
10.23%
Per Share Metrics
EPS (Diluted)
$2.98
EPS (Basic)
$3.00
Dividends / Share
N/A
Book Value / Share
$32.31
EPS YoY Growth
39.25%
Balance Sheet (FY 2025)
Total Assets
$5.86B
Total Liabilities
$8.50M
Stockholders' Equity
$552.38M
Current Assets
N/A
Current Liabilities
N/A