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SmartFinancial Valuation Multiples
Discover revenue and EBITDA valuation multiples for SmartFinancial and similar public comparables like South Plains Financial, Amen Bank, SpareBank 1 Ringerike Hadeland, Banco Pine and more.
SmartFinancial Overview
About SmartFinancial
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.
Founded
1983
HQ
Employees
612
Website
Sectors
Financials (LTM)
EV
$827M
SmartFinancial Financials
SmartFinancial reported last 12-month revenue of $207M.
In the same LTM period, SmartFinancial generated $53M in net income.
Revenue (LTM)
SmartFinancial P&L
In the most recent fiscal year, SmartFinancial reported revenue of $200M and net income of $50M.
SmartFinancial expects next 12-month revenue of XXX and NTM EBITDA of XXX
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue | $207M | XXX | $200M | XXX | XXX | XXX |
| EBIT Margin | 37% | XXX | 36% | XXX | XXX | XXX |
| Net Profit | $53M | XXX | $50M | XXX | XXX | XXX |
| Net Margin | 26% | XXX | 25% | XXX | XXX | XXX |
Financial data powered by Morningstar, Inc.
SmartFinancial Stock Performance
SmartFinancial has current market cap of $728M, and enterprise value of $827M.
Market Cap Evolution
SmartFinancial's stock price is $42.60.
| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $827M | $728M | 1.5% | XXX | XXX | XXX | $2.94 |
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Start Free TrialSmartFinancial Valuation Multiples
SmartFinancial trades at 4.0x EV/Revenue multiple.
EV / Revenue (LTM)
SmartFinancial Financial Valuation Multiples
As of April 11, 2026, SmartFinancial has market cap of $728M and EV of $827M.
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 13.8x.
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $728M | XXX | $728M | XXX | XXX | XXX |
| EV (current) | $827M | XXX | $827M | XXX | XXX | XXX |
| EV/Revenue | 4.0x | XXX | 4.1x | XXX | XXX | XXX |
| EV/EBIT | 11.0x | XXX | 11.6x | XXX | XXX | XXX |
| P/E | 13.8x | XXX | 14.5x | XXX | XXX | XXX |
| EV/FCF | — | XXX | 13.9x | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Verified SmartFinancial Valuation Multiples
Access all public comps and forward-looking valuation multiples like EV/Revenue in 2027, based on consensus analyst estimates. Powered by FactSet and Morningstar.
SmartFinancial Margins & Growth Rates
SmartFinancial's revenue in the last 12 month grew by 11%.
SmartFinancial's revenue per employee in the last FY averaged $0.3M, while opex per employee averaged $0.2M for the same period.
SmartFinancial Operational Valuation Multiples
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 11% | XXX | 12% | XXX | XXX | XXX |
| Revenue per Employee | — | XXX | $0.3M | XXX | XXX | XXX |
| Opex per Employee | — | XXX | $0.2M | XXX | XXX | XXX |
| S&M Expenses to Revenue | 1% | XXX | 1% | XXX | XXX | XXX |
| G&A Expenses to Revenue | — | XXX | 41% | XXX | XXX | XXX |
| Opex to Revenue | 64% | XXX | 65% | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
SmartFinancial Public Comps
See public comps and valuation multiples for other Commercial Banking comps.
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| LTM | 2026E | 2027E | LTM | 2026E | 2027E | |
| South Plains Financial | XXX | XXX | XXX | XXX | XXX | XXX |
| Amen Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| SpareBank 1 Ringerike Hadeland | XXX | XXX | XXX | XXX | XXX | XXX |
| Banco Pine | XXX | XXX | XXX | XXX | XXX | XXX |
| Equitas Small Finance Bank | 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 M&A Activity
SmartFinancial acquired XXX companies to date.
Last acquisition by SmartFinancial was on XXXXXXXX, XXXXX. SmartFinancial acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Acquisitions by SmartFinancial
| Acquired Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialSmartFinancial Investment Activity
SmartFinancial invested in XXX companies to date.
SmartFinancial made its latest investment on XXXXXXXX, XXXXX. SmartFinancial invested in XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Investments by SmartFinancial
| Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialAbout SmartFinancial
| When was SmartFinancial founded? | SmartFinancial was founded in 1983. |
| Where is SmartFinancial headquartered? | SmartFinancial is headquartered in United States. |
| How many employees does SmartFinancial have? | As of today, SmartFinancial has over 612 employees. |
| Who is the CEO of SmartFinancial? | SmartFinancial's CEO is William Y. Carroll. |
| Is SmartFinancial publicly listed? | Yes, SmartFinancial is a public company listed on NYSE. |
| 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? | SmartFinancial main competitors are South Plains Financial, Amen Bank, SpareBank 1 Ringerike Hadeland, Banco Pine. |
| What is the current market cap of SmartFinancial? | SmartFinancial's current market cap is $728M. |
| What is the current revenue of SmartFinancial? | SmartFinancial's last 12 months revenue is $207M. |
| What is the current revenue growth of SmartFinancial? | SmartFinancial revenue growth (NTM/LTM) is 11%. |
| What is the current EV/Revenue multiple of SmartFinancial? | Current revenue multiple of SmartFinancial is 4.0x. |
| Is SmartFinancial profitable? | Yes, SmartFinancial is net-income-positive (as of the last 12 months). |
| What is the current net income of SmartFinancial? | SmartFinancial's last 12 months net income is $53M. |
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