SmartFinancial (SMBK) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), SmartFinancial had a P/E ratio of 12.51 (down from 14.51), return on equity of 9.6% (up from 7.6%), debt-to-equity of 0.23 (up from 0.15) and return on assets of 0.9% (up from 0.7%). Its dividend yield was 0.87% with a payout ratio of 10.8%.

SmartFinancial Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	12.51	14.51	14.56	10.79	13.21	11.36
Forward P/E	11.49	14.15	14.27	9.28	12.99	11.70
P/S Ratio	3.27	3.15	2.79	2.88	3.39	2.57
P/B Ratio	1.14	1.07	0.91	1.07	1.07	0.77
Price/Tangible Book	1.38	1.36	1.18	1.44	1.42	1.02
Price/FCF	10.62	11.33	12.44	10.48	10.49	11.70
Price/OCF	10.21	9.95	10.48	8.18	9.95	9.51
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	9.64%	7.60%	6.41%	9.98%	8.85%	7.26%
Return on Assets (ROA)	0.90%	0.72%	0.60%	0.93%	0.88%	0.85%
Leverage & Solvency Ratios
Debt/Equity	0.23	0.15	0.17	0.25	0.34	0.37
Debt/FCF	2.14	1.59	2.40	2.40	3.29	5.57
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	7.99%	6.89%	6.87%	9.26%	7.57%	8.80%
FCF Yield	9.42%	8.83%	8.04%	9.54%	9.53%	8.55%
Dividend Yield	0.87%	1.05%	1.34%	1.06%	0.92%	1.17%
Payout Ratio	10.83%	15.00%	18.98%	10.98%	10.72%	12.27%
Buyback Yield	-0.12%	0.21%	-0.24%	-7.47%	-4.53%	-6.93%
Total Return	0.75%	1.26%	1.11%	-6.40%	-3.60%	-5.76%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About SmartFinancial Financial Ratios

What is SmartFinancial's P/E ratio?

SmartFinancial's P/E ratio was 12.51 for fiscal 2025 (period ended Dec 31, 2025). It was 14.51 a year earlier.

What is SmartFinancial's return on equity?

SmartFinancial's return on equity (ROE) was 9.6% for fiscal 2025 (period ended Dec 31, 2025). It was 7.6% a year earlier.

What is SmartFinancial's debt-to-equity ratio?

SmartFinancial's debt-to-equity ratio was 0.23 for fiscal 2025 (period ended Dec 31, 2025). It was 0.15 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition