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SmartFinancial Inc operates as a bank holding company for SmartBank. It offers various banking and financial services to individuals and corporate customers. The principal business of the Bank consists of attracting deposits from the general public and investing those funds, together with funds generated from operations and from principal and interest payments on loans, mainly in commercial loans, commercial and residential real estate loans, consumer loans, and residential and commercial construction loans. The primary source of revenue is interest income from earning assets, namely loans and securities.
1983
612
LTM Revenue $190M
Last FY EBITDA n/a
$646M
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SmartFinancial has a last 12-month revenue (LTM) of $190M and a last 12-month EBITDA of n/a.
In the most recent fiscal year, SmartFinancial achieved revenue of $172M and an EBITDA of n/a.
SmartFinancial expects next 12-month revenue of XXX and NTM EBITDA of XXX
See SmartFinancial valuation multiples based on analyst estimates| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue | $190M | XXX | $172M | XXX | XXX | XXX |
| Gross Profit | n/a | XXX | n/a | XXX | XXX | XXX |
| Gross Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBIT | $61.1M | XXX | n/a | XXX | XXX | XXX |
| EBIT Margin | 32% | XXX | n/a | XXX | XXX | XXX |
| Net Profit | $43.9M | XXX | $36.1M | XXX | XXX | XXX |
| Net Margin | 23% | XXX | 21% | XXX | XXX | XXX |
| Net Debt | XXX | XXX | n/a | XXX | XXX | XXX |
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As of August 15, 2025, SmartFinancial's stock price is $35.
SmartFinancial has current market cap of $602M, and EV of $646M.
See SmartFinancial trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $646M | $602M | XXX | XXX | XXX | XXX | $2.57 |
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Start Free TrialAs of August 15, 2025, SmartFinancial has market cap of $602M and EV of $646M.
SmartFinancial's trades at 3.8x EV/Revenue multiple, and n/a EV/EBITDA.
Equity research analysts estimate SmartFinancial's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
SmartFinancial has a P/E ratio of 13.7x.
See valuation multiples for SmartFinancial and 15K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $602M | XXX | $602M | XXX | XXX | XXX |
| EV (current) | $646M | XXX | $646M | XXX | XXX | XXX |
| EV/Revenue | 3.4x | XXX | 3.8x | XXX | XXX | XXX |
| EV/EBITDA | n/a | XXX | n/a | XXX | XXX | XXX |
| EV/EBIT | 10.6x | XXX | n/a | XXX | XXX | XXX |
| EV/Gross Profit | n/a | XXX | n/a | XXX | XXX | XXX |
| P/E | 13.7x | XXX | 16.7x | XXX | XXX | XXX |
| EV/FCF | n/a | XXX | 14.0x | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Start Free TrialSmartFinancial's last 12 month revenue growth is 13%
SmartFinancial's revenue per employee in the last FY averaged $0.3M, while opex per employee averaged n/a for the same period.
SmartFinancial's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
SmartFinancial's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
See operational valuation multiples for SmartFinancial and other 15K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 13% | XXX | 14% | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Growth | n/a | XXX | n/a | XXX | XXX | XXX |
| Rule of 40 | n/a | XXX | n/a | XXX | XXX | XXX |
| Bessemer Rule of X | XXX | XXX | n/a | XXX | XXX | XXX |
| Revenue per Employee | XXX | XXX | $0.3M | XXX | XXX | XXX |
| Opex per Employee | XXX | XXX | n/a | XXX | XXX | XXX |
| S&M Expenses to Revenue | XXX | XXX | 1% | XXX | XXX | XXX |
| G&A Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| R&D Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| Opex to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
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Benchmark public comps and private revenue and EBITDA valuation multiples across GRC software, cloud infrastructure, DevOps, online marketplaces and so much more!
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| Abu Dhabi Commercial Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| Abu Dhabi Islamic Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| First Abu Dhabi Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| Invest Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| National Bank of Fujairah | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
SmartFinancial acquired XXX companies to date.
Last acquisition by SmartFinancial was XXXXXXXX, XXXXX XXXXX XXXXXX . SmartFinancial acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
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Start Free Trial| When was SmartFinancial founded? | SmartFinancial was founded in 1983. |
| Where is SmartFinancial headquartered? | SmartFinancial is headquartered in United States of America. |
| How many employees does SmartFinancial have? | As of today, SmartFinancial has 612 employees. |
| Who is the CEO of SmartFinancial? | SmartFinancial's CEO is Mr. William Y. Carroll, Jr. |
| Is SmartFinancial publicy listed? | Yes, SmartFinancial is a public company listed on NYS. |
| What is the stock symbol of SmartFinancial? | SmartFinancial trades under SMBK ticker. |
| When did SmartFinancial go public? | SmartFinancial went public in 2003. |
| Who are competitors of SmartFinancial? | Similar companies to SmartFinancial include e.g. Abu Dhabi Commercial Bank, Abu Dhabi Islamic Bank, First Abu Dhabi Bank, Invest Bank. |
| What is the current market cap of SmartFinancial? | SmartFinancial's current market cap is $602M |
| What is the current revenue of SmartFinancial? | SmartFinancial's last 12 months revenue is $190M. |
| What is the current revenue growth of SmartFinancial? | SmartFinancial revenue growth (NTM/LTM) is 13%. |
| What is the current EV/Revenue multiple of SmartFinancial? | Current revenue multiple of SmartFinancial is 3.4x. |
| Is SmartFinancial profitable? | Yes, SmartFinancial is EBITDA-positive (as of the last 12 months). |
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