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About the company
SmartFinancial, Inc. is the bank holding company for SmartBank (the Bank). The Bank is a full-service commercial bank with branches across Tennessee, Alabama, and Florida. The principal business of the Bank consists of attracting deposits from the general public and investing those funds, together with funds generated from operations and from principal and interest payments on loans, primarily in commercial loans, commercial and residential real estate loans, leases, consumer loans and residential and commercial construction loans. It also originates one to four family residential mortgage loans and generally enters into a commitment to sell these loans in the secondary market. SBK Insurance, Inc., a subsidiary of the Bank, provides insurance products in the property and casualty area, commercial, transportation, and life and health to their respective clients. The Bank provides a suite of commercial and consumer banking services to clients through about 42 full-service bank branches.
- Revenue in USD (TTM)224.65m
- Net income in USD26.45m
- Incorporated1983
- Employees570.00
- LocationSmartFinancial Inc5401 Kingston Pike Ste 600KNOXVILLE 37919-5046United StatesUSA
- Phone+1 (423) 385-3000
- Websitehttps://www.smartfinancialinc.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dacotah Banks Inc | 102.78m | 27.24m | 347.83m | 186.00 | 12.75 | 1.23 | 10.81 | 3.19 | 2.44 | 1.86 | 9.75 | 25.37 | -- | -- | -- | -- | 1.13 | -- | -- | -- | -- | -- | 25.00 | 21.36 | -- | -- | -- | 19.72 | 6.91 | 3.18 | 4.20 | 6.04 | 11.64 | 7.47 |
| Guaranty Bancshares, Inc. | 160.10m | 28.44m | 349.54m | 488.00 | 12.43 | 1.15 | 10.54 | 2.96 | 2.44 | 2.44 | 10.16 | 26.47 | -- | -- | -- | -- | 0.8764 | 1.15 | -- | -- | -- | -- | 24.02 | 28.27 | -- | -- | -- | 29.05 | 27.01 | 12.09 | -25.74 | 7.85 | 19.06 | 11.02 |
| RBB Bancorp | 222.19m | 39.53m | 350.20m | 376.00 | 9.01 | 0.6814 | 10.01 | 2.78 | 2.09 | 2.09 | 6.68 | 27.66 | -- | -- | -- | -- | 0.9898 | 1.33 | -- | -- | -- | -- | 31.35 | 35.11 | -- | -- | -- | 20.14 | 22.20 | 16.71 | -33.95 | 3.57 | -23.50 | 12.83 |
| Mid Penn Bancorp Inc | 236.34m | 37.40m | 356.16m | 612.00 | 9.40 | 0.657 | 8.05 | 2.13 | 2.29 | 2.29 | 10.21 | 32.72 | -- | -- | -- | -- | 0.7641 | 0.9139 | -- | -- | -- | -- | 22.40 | 25.16 | -- | -- | -- | 28.88 | 42.72 | 28.05 | -31.76 | 28.94 | -20.92 | 5.92 |
| Flushing Financial Corp | 418.86m | 28.30m | 360.74m | 549.00 | 13.07 | 0.5386 | 10.40 | 1.85 | 0.9495 | 0.9495 | 6.55 | 23.04 | -- | -- | -- | -- | 0.3275 | 0.6727 | -- | -- | -- | -- | 14.51 | 24.28 | -- | -- | -- | 48.90 | 26.80 | 9.33 | -62.75 | -12.25 | 0.2904 | 1.92 |
| Shore Bancshares Inc | 214.08m | 11.23m | 370.63m | 620.00 | 20.35 | 0.724 | 16.72 | 2.20 | 0.5483 | 0.5483 | 6.35 | 15.41 | -- | -- | -- | -- | 0.2367 | 0.6333 | -- | -- | -- | -- | 6.66 | 18.18 | -- | -- | -- | 44.74 | 88.04 | 30.80 | -63.99 | -6.56 | 39.35 | 8.45 |
| SmartFinancial Inc | 224.65m | 26.45m | 380.19m | 570.00 | 14.25 | 0.8145 | 14.25 | 2.54 | 1.56 | 1.56 | 8.84 | 27.37 | -- | -- | -- | -- | 0.544 | 0.8477 | -- | -- | -- | -- | 17.68 | 23.46 | -- | -- | -- | 11.17 | 37.28 | 18.78 | -33.54 | 9.57 | 10.27 | -- |
| Thomasville Bancshares Inc | 18.67m | 3.33m | 393.88m | 62.00 | 117.36 | 11.70 | 105.86 | 25.90 | 0.5411 | 0.5411 | 2.47 | 5.43 | -- | -- | -- | -- | -- | 1.72 | -- | -- | -- | -- | 21.89 | 33.81 | -- | -- | -- | 45.58 | 18.11 | 14.98 | 11.29 | 18.07 | -5.73 | 16.59 |
| Bar Harbor Bankshares | 174.18m | 44.85m | 397.09m | 462.00 | 8.86 | 0.9183 | 7.95 | 2.59 | 2.95 | 2.95 | 10.10 | 28.48 | -- | -- | -- | -- | 1.14 | 0.9763 | -- | -- | -- | -- | 29.22 | 26.17 | -- | -- | -- | 39.63 | 37.66 | 6.45 | 2.97 | 6.37 | 6.39 | 6.93 |
| Arrow Financial Corporation | 173.13m | 29.17m | 399.28m | 537.00 | 13.93 | 1.06 | 15.07 | 2.99 | 1.72 | 1.72 | 7.86 | 22.62 | -- | -- | -- | -- | 0.6906 | 1.12 | -- | -- | -- | -- | 21.85 | 30.66 | -- | -- | -- | 39.93 | 25.39 | 10.99 | -38.37 | -3.68 | 6.77 | 4.18 |
| Alerus Financial Corp | 176.11m | 9.96m | 400.48m | 709.00 | 42.02 | 1.08 | 21.72 | 2.40 | 0.4819 | 0.4819 | 8.33 | 18.79 | -- | -- | -- | -- | 0.2418 | 1.15 | -- | -- | -- | -- | 5.96 | 17.25 | -- | -- | -- | 33.15 | 42.66 | 13.46 | -70.44 | -14.67 | -3.30 | -- |
| Peapack-Gladstone Financial Corp | 312.71m | 39.13m | 413.31m | 521.00 | 10.69 | 0.7097 | 12.06 | 1.87 | 2.18 | 2.18 | 12.29 | 32.79 | -- | -- | -- | -- | 0.6072 | 0.861 | -- | -- | -- | -- | 17.73 | 23.90 | -- | -- | -- | 7.44 | 43.49 | 13.74 | -34.20 | 2.04 | 25.33 | 0.00 |
| Esquire Financial Holdings Inc | 97.60m | 38.89m | 416.88m | 140.00 | 10.82 | 2.01 | 14.20 | 3.68 | 4.65 | 4.65 | 13.53 | 24.97 | -- | -- | -- | -- | 2.50 | 2.10 | -- | -- | -- | -- | 34.35 | 31.68 | -- | -- | -- | 5.39 | 50.65 | 25.99 | 43.81 | 36.25 | 1.23 | -- |
| CNB Financial Corp | 304.96m | 49.53m | 416.92m | 765.00 | 8.36 | 0.8013 | 7.25 | 1.88 | 2.37 | 2.37 | 10.61 | 27.52 | -- | -- | -- | -- | 0.9509 | 1.06 | -- | -- | -- | -- | 24.42 | 26.62 | -- | -- | -- | 25.40 | 37.41 | 17.37 | -8.90 | 9.74 | 29.03 | 0.8799 |
| Northeast Bank | 249.07m | 55.18m | 418.79m | 182.00 | 7.49 | 1.24 | 9.60 | 2.80 | 7.29 | 7.29 | 19.78 | 44.11 | -- | -- | -- | -- | 1.88 | 2.38 | -- | -- | -- | -- | 36.86 | 37.57 | -- | -- | -- | 0.8526 | 100.11 | 21.87 | 4.80 | 21.54 | 20.22 | 0.00 |
Data as of May 09 2024. Currency figures normalised to SmartFinancial Inc's reporting currency: US Dollar USD
32.51%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| BlackRock Fund Advisorsas of 31 Dec 2023 | 1.22m | 7.17% |
| The Vanguard Group, Inc.as of 31 Dec 2023 | 747.18k | 4.40% |
| Cravens & Co. Advisors LLCas of 31 Mar 2024 | 647.58k | 3.81% |
| Dimensional Fund Advisors LPas of 31 Dec 2023 | 624.67k | 3.68% |
| Private Capital Management LLCas of 31 Dec 2023 | 583.20k | 3.43% |
| The Banc Funds Co LLCas of 31 Dec 2023 | 572.65k | 3.37% |
| SSgA Funds Management, Inc.as of 31 Dec 2023 | 325.42k | 1.92% |
| Geode Capital Management LLCas of 31 Dec 2023 | 309.29k | 1.82% |
| AllianceBernstein LPas of 31 Dec 2023 | 250.34k | 1.47% |
| Benjamin Partners, Inc.as of 31 Mar 2024 | 243.47k | 1.43% |
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Data from 31 Dec 2023 - 31 Mar 2024Source: FactSet Research Systems Inc.
