SmartFinancial

SMBK

Banks - Regional · Financial Services

Price

$48.15

-0.49 (-1.01%)

Market Cap

$823.3M

Exchange

New York Stock Exchange

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count rising — dilution

+7.8% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 15.7M (2021) → 16.9M (2025)

SmartFinancial, Inc. is a regional bank holding company based in the southeastern United States. It operates through its subsidiary, SmartBank, which offers everyday banking services like checking and savings accounts, loans, and mortgages to individuals and small-to-medium-sized businesses. The bank focuses on growing communities across Tennessee, Alabama, and Florida.

SmartFinancial makes money primarily through net interest income — the difference between what it earns on loans and what it pays on deposits — along with fees from banking services. With a market cap of around $800 million, it is a smaller community-focused bank competing against both large national banks and other regional players. Its competitive edge comes from local relationships and personalized service in markets that bigger banks sometimes overlook. The main risk the company faces is interest rate sensitivity, since changes in rates directly affect its profit margins, and any slowdown in loan growth across its southeastern markets could pressure earnings.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+9.7% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+20.9% YoY

YoY Growth Rate

Steady EPS growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

12.0%ownership

Insiders own a meaningful stake in the company

Cash Position

Cash flow positive

$1.0B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

SmartFinancial is growing revenue at 10% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

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Quality

Gross Margin

65.5%

Premium pricing power — 65.5% gross margin

Operating Margin

20.4%

Excellent — 20.4% operating margin

ROCE

2.5%

Weak — 2.5% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+10.8%

Steady sales growth (10.8% YoY)

EPS YoY

+38.8%

Earnings growing fast (38.8% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

121%

Turns 121% of profit into real cash

FCF Margin

16.6%

Converts sales into free cash efficiently (16.6%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

Debt / Equity

0.18

Conservative — low debt load (0.18)

Interest Cover

0.54x

Dangerous — barely covers interest (0.5x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

15.3x

Fair value — P/E 15.3

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+2.4

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend Yield

0.70%

Small dividend — 0.70% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend Growth

+3.1%

Dividend growing modestly (3.1% YoY)

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