SmartFinancial, Inc. (SMBK) is a Banks - Regional company in the Financial Services sector, currently trading at $42.49. It has a SharesGrow Score of 65/100, indicating a above average investment profile with 4 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of SMBK = $57.40 (+35.1% from the current price, the stock appears undervalued). Analyst consensus target is SMBK = $44 (+3% upside).
Valuation: SMBK trades at a trailing Price-to-Earnings (P/E) of 14 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 0.94.
Financials: revenue is $316M, +19.5%/yr average growth. Net income is $50M, growing at +10.7%/yr. Net profit margin is 15.9% (healthy). Gross margin is 61% (-25.4 pp trend).
Balance sheet: total debt is $102M against $552M equity (Debt-to-Equity (D/E) ratio 0.18, conservative). Current ratio is 1.04 (adequate). Debt-to-assets is 1.7%. Total assets: $5.9B.
Analyst outlook: 3 / 9 analysts rate SMBK as buy (33%) — mixed sentiment.
SharesGrow 7-Criteria breakdown: Value 71/100 (Pass), Growth 80/100 (Pass), Past 100/100 (Pass), Health 50/100 (Partial), Moat 49/100 (Partial), Future 34/100 (Fail), Income 70/100 (Pass).
