SmartFinancial Financial Ratios
NYSE: SMBKFinanceMajor BanksUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
SmartFinancial ratio analysis
SmartFinancial earned a net margin of 25.1% in FY 2025, up from 21.1% a year earlier. Return on equity reached 9.1%, meaning SmartFinancial generated 0.09 dollars of profit for every dollar of shareholders' equity. Debt-to-equity stood at 0.01 versus 0.02 the year before.
At the end of FY 2025, SMBK traded at 12.3 times earnings; across the 10 fiscal years shown, its year-end P/E ranged from 10.8 to 39.5, with a median of 12.3. Valuation ratios use the closing share price on each fiscal year-end date and diluted shares from the income statement; profitability and leverage ratios use reported annual figures. Current valuation multiples are on the statistics page.
Summary generated from market data by MetaCap's automated system. Methodology
SmartFinancial financial ratios (annual)
| Ratio | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/E ratio (at fiscal year end) | 12.27 | 14.60 | 14.49 | 10.78 | 12.32 | 11.20 | 12.27 | 12.07 | 39.45 | 23.79 |
| Price / sales | 3.06 | 3.05 | 2.70 | 2.79 | 3.10 | 2.33 | 3.26 | 2.61 | 3.65 | 2.55 |
| Price / book | 1.11 | 1.07 | 0.89 | 1.06 | 0.99 | 0.76 | 1.03 | 0.77 | 0.91 | 1.03 |
| Net margin | 25.1% | 21.1% | 18.8% | 26.0% | 25.3% | 20.9% | 26.8% | 21.7% | 9.8% | 13.7% |
| Free cash flow margin | 29.6% | 27.0% | 21.9% | 26.8% | 31.9% | 20.3% | 23.8% | 20.4% | -3.0% | 10.8% |
| Return on equity (ROE) | 9.1% | 7.4% | 6.2% | 9.9% | 8.1% | 6.8% | 8.5% | 6.4% | 2.4% | 5.5% |
| Return on assets (ROA) | 0.9% | 0.7% | 0.6% | 0.9% | 0.8% | 0.7% | 1.1% | 0.8% | 0.3% | 0.5% |
| Debt / equity | 0.01 | 0.02 | 0.03 | 0.10 | 0.20 | 0.23 | 0.10 | — | — | — |
| Revenue growth | 16.9% | 12.5% | -7.8% | 20.3% | 18.1% | 17.2% | 19.2% | 62.1% | 21.0% | 55.8% |
| EPS growth | 39.3% | 26.6% | -33.7% | 14.9% | 37.0% | -14.3% | 30.3% | 163.6% | -29.5% | 143.8% |