ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is SmartFinancial, Inc. ?
1
High Profitability with a Net Interest Margin of 12.56%
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 10.85%
3
With a growth in Interest of NAN%, the company declared Very Positive results in Jun 25
- The company has declared positive results for the last 3 consecutive quarters
- NII(Q) Highest at USD 40.34 MM
- OPERATING CASH FLOW(Y) Highest at USD 57.39 MM
- NET SALES(Q) Highest at USD 69.45 MM
4
With ROA of 0.53%, it has a attractive valuation with a 1.13 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 14.16%, its profits have risen by 43.3% ; the PEG ratio of the company is 0.3
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to SmartFinancial, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is SmartFinancial, Inc. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
SmartFinancial, Inc.
34.04%
2.72
28.81%
S&P 500
22.99%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
19.45%
EBIT Growth (5y)
13.71%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
10.74%
Pledged Shares
0
Institutional Holding
66.51%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
1.19
EV to EBIT
4.77
EV to EBITDA
4.03
EV to Capital Employed
1.68
EV to Sales
0.89
PEG Ratio
0.31
Dividend Yield
0.65%
ROCE (Latest)
35.17%
ROE (Latest)
9.31%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 63.8 MM
NII(Q)
Highest at USD 45.88 MM
ROCE(HY)
Highest at 0.93%
NET PROFIT(9M)
Higher at USD 42.14 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 86.96%
-5What is not working for the Company
ROCE(HY)
Lowest at 0.93%
GROSS NPA (%)
(Q
DIVIDEND PAYOUT RATIO(Y)
Lowest at 9.9%
Here's what is working for SmartFinancial, Inc.
NII
Highest at USD 45.88 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 63.8 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Credit Deposit Ratio
Highest at 86.96%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Net Profit
Higher at USD 42.14 MM
than preceding 12 month period ended Mar 2026MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (USD MM)
Here's what is not working for SmartFinancial, Inc.
Non Performing Loans (%)
Highest at 0.16%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Dividend Payout Ratio
Lowest at 9.9%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
