Business Description
SmartFinancial Inc
NAICS : 522110
SIC : 6021
ISIN : US83190L2088
Description
SmartFinancial Inc operates as a bank holding company for SmartBank. It offers various banking and financial services to individuals and corporate customers. 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, mainly in commercial loans, commercial and residential real estate loans, consumer loans, and residential and commercial construction loans. The primary source of revenue is interest income from earning assets, namely loans and securities.
Financial Strength
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 9.2 | |||||
| Equity-to-Asset | 0.09 | |||||
| Debt-to-Equity | 0.11 | |||||
| Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
| Interest Coverage | N/A |
N/A
|
N/A
| |||
| Piotroski F-Score | 5/9 | |||||
| Beneish M-Score | -2.35 | |||||
| WACC vs ROIC | ||||||
Growth Rank
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 5.2 | |||||
| 3-Year EPS without NRI Growth Rate | 3 | |||||
| 3-Year FCF Growth Rate | 7.9 | |||||
| 3-Year Book Growth Rate | 4.6 |
Momentum Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 67.84 | |||||
| 9-Day RSI | 60.3 | |||||
| 14-Day RSI | 54.6 | |||||
| 6-1 Month Momentum % | -1.7 | |||||
| 12-1 Month Momentum % | -6.28 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 1.58 | |||||
| Dividend Payout Ratio | 0.17 | |||||
| 3-Year Dividend Growth Rate | 17 | |||||
| Forward Dividend Yield % | 1.58 | |||||
| 5-Year Yield-on-Cost % | 1.58 | |||||
| 3-Year Average Share Buyback Ratio | -4 | |||||
| Shareholder Yield % | 5.05 |
Profitability Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 17.68 | |||||
| FCF Margin % | 22.36 | |||||
| ROE % | 5.85 | |||||
| ROA % | 0.55 | |||||
| Years of Profitability over Past 10-Year | 10 |
GF Value Rank
9/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 13.24 | |||||
| Forward PE Ratio | 10.4 | |||||
| PE Ratio without NRI | 11.17 | |||||
| Shiller PE Ratio | 13.5 | |||||
| Price-to-Owner-Earnings | 12.56 | |||||
| PEG Ratio | 1.96 | |||||
| PS Ratio | 2.35 | |||||
| PB Ratio | 0.75 | |||||
| Price-to-Tangible-Book | 0.98 | |||||
| Price-to-Free-Cash-Flow | 10.59 | |||||
| Price-to-Operating-Cash-Flow | 8.9 | |||||
| EV-to-Revenue | -0.49 | |||||
| EV-to-FCF | -2.11 | |||||
| Price-to-Projected-FCF | 0.49 | |||||
| Price-to-Median-PS-Value | 0.82 | |||||
| Price-to-Peter-Lynch-Fair-Value | 1.91 | |||||
| Price-to-Graham-Number | 0.7 | |||||
| FCF Yield % | 9.49 | |||||
| Forward Rate of Return (Yacktman) % | 15.09 |
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