US · SMBK
SmartFinancial, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Knoxville, TN 37919
- Website
- smartbank.com
Price · as of 2024-12-31
$42.36
Market cap 667.72M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $30.77 | -27.36% |
| Intrinsic Value(DCF) | $32.90 | -22.33% |
| Graham-Dodd Method(GD) | $29.50 | -30.37% |
| Graham Formula(GF) | $55.87 | +31.89% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $5.95 | $17.54 | $2.47 | $1.09 | $0.00 |
| 2011 | $7.81 | $544.80 | $0.00 | $22.03 | $0.00 |
| 2012 | $9.29 | $25.07 | $37.96 | $20.38 | $2.06 |
| 2013 | $9.29 | $41.13 | $42.15 | $16.51 | $8.35 |
| 2014 | $12.82 | $366.91 | $60.44 | $38.25 | $13.89 |
| 2015 | $14.86 | $45.48 | $35.56 | $17.52 | $11.37 |
| 2016 | $19.64 | $97.68 | $1,484.23 | $20.15 | $60.68 |
| 2017 | $21.62 | $132.10 | $2,024.46 | $21.45 | $16.95 |
| 2018 | $18.24 | $99.21 | $90.25 | $24.76 | $114.76 |
| 2019 | $16.87 | $54.08 | $73.47 | $26.47 | $50.05 |
| 2020 | $22.32 | $43.03 | $203.43 | $24.07 | $37.51 |
| 2021 | $24.71 | $27.37 | $69.15 | $29.27 | $44.23 |
| 2022 | $23.52 | $33.96 | $72.71 | $28.71 | $82.35 |
| 2023 | $20.74 | $33.26 | $41.00 | $25.29 | $60.67 |
| 2024 | $32.05 | $30.77 | $36.09 | $29.50 | $55.87 |
AI valuation
Our deep-learning model estimates SmartFinancial, Inc.'s (SMBK) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $30.77
- Current price
- $42.36
- AI upside
- -27.36%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$32.90
-22.33% upside
Graham-Dodd
$29.50
-30.37% upside
Graham Formula
$55.87
+31.89% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| SMBK | SmartFinancial, Inc. | $42.36 | 667.72M | -27% | -22% | -30% | +32% | 14.87 | 1.09 | 1.88 | -1.75 | 55.85 | 1.39 | 58.31% | 15.94% | 12.67% | 7.60% | -21.66% | 0.72% | 0.10 | 0.40 | 0.16 | 0.16 | -5.73 | 2663.00% | 1868.00% | 3842.00% | 8.61% | 0.01 | -27.74% | 1.01% | 15.00% | 17.58% | -2.19 | -2.15 | -0.35 | -0.69 |
| BCAL | Southern California Banco… | $18.31 | 591.83M | +194% | +14% | +30% | +249% | 9.53 | 1.04 | 2.58 | 4.39 | 1.23 | 1.34 | 79.37% | 37.75% | 27.06% | 11.59% | 16.62% | 1.56% | 0.12 | 1.55 | 0.24 | 0.24 | 0.22 | 77727.00% | 2623.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 1.31% | 4.39 | — | 1.66 | 0.02 |
| BWB | Bridgewater Bancshares, I… | $18.28 | 507.45M | +168% | -11% | +9% | +21% | 11.72 | 0.84 | 1.53 | 4.76 | — | 0.88 | 41.45% | 17.00% | 13.05% | 7.43% | 16.56% | 0.68% | 0.99 | 0.30 | 0.17 | 0.17 | 4.78 | -1890.00% | 1079.00% | 5639.00% | 10.99% | 0.01 | 21.34% | 1.05% | 12.40% | 19.53% | 5.10 | 5.15 | 0.87 | -0.59 |
| FCBC | First Community Bankshare… | $39.13 | 716.66M | +34% | -19% | -57% | +1% | 13.12 | 1.29 | 3.85 | 6.39 | 249.21 | 1.83 | 86.77% | 37.35% | 29.34% | 10.02% | 22.69% | 1.58% | 0.00 | 3.34 | 0.08 | 0.08 | -1.10 | 526.00% | 614.00% | -699.00% | 8.12% | 0.02 | 24.15% | 3.25% | 42.70% | 4.77% | 7.02 | 8.39 | 2.62 | -0.49 |
| GSBC | Great Southern Bancorp, I… | $61.53 | 688.48M | +41% | -23% | +41% | -51% | 10.09 | 1.13 | 2.09 | 3.38 | 57.04 | 1.14 | 66.93% | 25.43% | 20.67% | 11.49% | 18.06% | 1.23% | 0.64 | 0.77 | 2.54 | 2.54 | 3.52 | 1768.00% | -337.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 3.38 | — | 0.86 | 0.46 |
| HTBK | Heritage Commerce Corp | $12.43 | 765.19M | +275% | +1% | -68% | -39% | 14.41 | 0.85 | 2.32 | -9.98 | — | 1.13 | 67.71% | 22.54% | 16.12% | 5.95% | -12.80% | 0.75% | 0.06 | 0.72 | 0.25 | 0.25 | -15.42 | -3714.00% | 335.00% | -4765.00% | 6.39% | 0.01 | -11.79% | 5.45% | 78.60% | 101.31% | -10.60 | -16.08 | -2.39 | -0.57 |
| IBCP | Independent Bank Corporat… | $34.75 | 719.05M | +17% | -26% | -37% | +75% | 9.56 | 1.40 | 2.02 | 6.64 | 72.10 | 1.69 | 66.92% | 26.25% | 21.11% | 15.55% | 112.83% | 1.26% | 0.27 | 0.83 | 0.03 | 0.03 | 0.05 | 1326.00% | 1145.00% | -2065.00% | 8.64% | 0.01 | 93.25% | 3.14% | 30.00% | 3.14% | 7.44 | 11.19 | 1.95 | -0.77 |
| NBBK | NB Bancorp, Inc. Common S… | $21.34 | 803.4M | +72% | -16% | +16% | +75% | 16.85 | 0.93 | 2.34 | 8.54 | 4.61 | 0.93 | 52.82% | 19.28% | 13.86% | 5.53% | 6.28% | 0.87% | 0.16 | 0.45 | 0.08 | 0.08 | -1.47 | 36522.00% | 2801.00% | -1756.00% | 5.81% | 0.01 | 6.15% | 0.00% | 0.00% | 39.88% | 8.97 | 12.75 | 1.73 | -0.62 |
| SMBC | Southern Missouri Bancorp… | $61.91 | 687.71M | -6% | +66% | -10% | +63% | 10.92 | 1.17 | 2.10 | 1.52 | 63.49 | 1.36 | 57.68% | 24.24% | 19.10% | 11.34% | 70.12% | 1.22% | 0.26 | 0.60 | 1.09 | 1.09 | -0.60 | 1719.00% | 1172.00% | 2299.00% | 11.77% | 0.02 | 90.13% | 1.62% | 17.70% | 21.02% | 1.73 | 1.70 | 0.42 | 0.39 |
| SPFI | South Plains Financial, I… | $40.96 | 667.39M | -6% | -27% | -21% | +59% | 11.00 | 1.25 | 1.93 | 0.43 | — | 1.40 | 65.35% | 22.36% | 17.56% | 11.75% | -133.01% | 1.18% | 0.25 | 0.67 | 0.18 | 0.18 | -3.56 | -1934.00% | 1392.00% | 403.00% | 10.25% | 0.02 | -149.89% | 1.67% | 18.40% | 7.18% | 0.47 | 0.53 | 0.11 | -0.51 |
| THFF | First Financial Corporati… | $63.36 | 750.85M | +78% | -16% | +26% | +48% | 9.70 | 1.18 | 2.35 | -0.29 | 14.47 | 1.43 | 77.68% | 30.44% | 24.26% | 13.20% | -77.42% | 1.40% | 0.74 | 1.31 | 4.47 | 4.47 | 3.23 | 6700.00% | 616.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -0.31 | — | -0.10 | 0.60 |
About SmartFinancial, Inc.
SmartFinancial, Inc. operates as the bank holding company for SmartBank that provides various financial services to individuals and corporate customers. It operates through Commercial Real Estate, Consumer Real Estate, Construction and Land Development, Commercial and Industrial, and Consumer and Other segments. The company offers noninterest-bearing and interest-bearing checking, interest-bearing demand, savings, money market, time deposit, individual retirement accounts, as well as certificates of deposit. It also provides commercial and residential real estate, consumer real estate, and construction and land development loans; commercial and financial loans; mortgage loans; and direct consumer installment loans, educational, and other revolving credit loans; and overdraft facilities. In addition, the company offers wealth management, insurance, mortgage origination, and Internet and mobile banking services. As of March 1, 2022, it had 41 full-service branches and 2 loan production offices in East and Middle Tennessee, Alabama, and the Florida Panhandle. The company is headquartered in Knoxville, Tennessee.
- CEO
- William Young Carroll Jr.
- Employees
- 597
- Beta
- 0.77
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($32.90 ÷ $42.36) − 1 = -22.33% (DCF, example).