Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
SMBK
HOLDSmartFinancial, Inc. · Financial Services · United States · $855M · Avg Vol: $6M/d
COMPANY DESCRIPTION
SmartFinancial, Inc. is a bank holding company operating SmartBank, a community bank offering a full range of financial services to individuals and businesses across the Southeastern United States. The bank focuses on relationship-based lending and deposit services, emphasizing local market knowledge and personalized customer interactions. Its strategic acquisitions and organic growth in attractive regional markets provide a competitive edge by fostering strong community ties and delivering tailored financial solutions.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 165.2M | 152.4M | 171.5M | 196.5M | 6.0% | 196.5M | 221.2M | 242.0M | 11.0% |
| EPS | 2.57 | 1.70 | 2.16 | 3.00 | 5.3% | 3.12 | 3.70 | 4.14 | 17.5% |
| Shares | 16.9M | 17.0M | 16.9M | 17.0M | +0.8% | 17.1M | — | — | — |
| Debt | 79.1M | 50.1M | 43.7M | 98.7M | 7.6% | 124.8M | — | — | — |
| Equity | 432.5M | 459.9M | 491.3M | 552.4M | 8.5% | — | — | — | — |
| Op CF | 56.8M | 39.7M | 52.7M | 61.7M | 2.8% | 63.8M | — | — | — |
| Inv CF | -840.8M | -135.2M | -420.2M | -499.0M | — | — | — | — | — |
| Fin CF | 5.4M | 181.4M | 402.8M | 514.2M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of SMBK are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| SMBK | SmartFinancial, Inc.(you) | $855M | 62 | HOLD |
| ALRS | Alerus Financial Corporation | $822M | 60 | HOLD |
| HTB | HomeTrust Bancshares, Inc. | $818M | 60 | HOLD |
| SBSI | Southside Bancshares, Inc. | $1.0B | 62 | HOLD |
| CCBG | Capital City Bank Group, Inc. | $882M | 65 | BUY |
| SMBC | Southern Missouri Bancorp, Inc. | $855M | 67 | BUY |
| GSBC | Great Southern Bancorp, Inc. | $863M | 67 | BUY |
| MPB | Mid Penn Bancorp, Inc. | $942M | 59 | HOLD |
| MSBI | Midland States Bancorp, Inc. | $669M | 62 | HOLD |
| SPFI | South Plains Financial, Inc. | $841M | 68 | BUY |
Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%