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SmartFinancial, Inc. (SMBK)
:SMBK
US Market

SmartFinancial (SMBK) Ratios

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SmartFinancial Ratios

SMBK's free cash flow for Q1 2025 was $0.61. For the 2025 fiscal year, SMBK's free cash flow was decreased by $ and operating cash flow was $0.00. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
58.80 67.26 58.80 222.37 0.00
Quick Ratio
58.80 67.26 58.80 222.37 0.00
Cash Ratio
21.31 36.85 21.31 146.97 0.00
Solvency Ratio
0.01 <0.01 0.01 0.01 0.27
Operating Cash Flow Ratio
4.54 4.96 4.54 6.49 0.00
Short-Term Operating Cash Flow Coverage
0.00 4.96 0.00 0.00 0.00
Net Current Asset Value
$ -3.45B$ -3.83B$ -3.45B$ -2.60B$ 576.81M
Leverage Ratios
Debt-to-Assets Ratio
0.02 0.01 0.02 0.03 0.04
Debt-to-Equity Ratio
0.17 0.11 0.17 0.30 0.34
Debt-to-Capital Ratio
0.14 0.10 0.14 0.23 0.25
Long-Term Debt-to-Capital Ratio
0.00 0.08 0.00 0.00 0.25
Financial Leverage Ratio
10.67 10.50 10.67 10.74 9.25
Debt Service Coverage Ratio
-0.56 -0.08 -0.56 -0.80 -0.39
Interest Coverage Ratio
4.04 0.41 4.04 3.74 1.84
Debt to Market Cap
0.00 0.12 0.00 0.00 0.44
Interest Debt Per Share
5.56 8.21 5.56 9.08 9.18
Net Debt to EBITDA
0.00 0.00 0.00 0.00 0.00
Profitability Margins
Gross Profit Margin
100.00%100.00%100.00%100.00%100.00%
EBIT Margin
-198.12%-8.86%-198.12%-6.55%-6.80%
EBITDA Margin
0.00%0.00%0.00%0.00%0.00%
Operating Profit Margin
1351.90%23.77%1351.90%32.27%27.07%
Pretax Profit Margin
860.36%23.77%860.36%32.27%27.07%
Net Profit Margin
674.11%18.76%674.11%25.33%21.33%
Continuous Operations Profit Margin
674.11%18.76%674.11%25.33%21.33%
Net Income Per EBT
78.35%78.93%78.35%78.50%78.77%
EBT Per EBIT
63.64%100.00%63.64%100.00%100.00%
Return on Assets (ROA)
0.93%0.59%0.93%0.75%0.74%
Return on Equity (ROE)
9.95%6.22%9.95%8.10%6.81%
Return on Capital Employed (ROCE)
1.88%0.75%1.88%0.96%0.93%
Return on Invested Capital (ROIC)
7.31%2.00%7.31%1.49%2.24%
Return on Tangible Assets
0.96%0.61%0.96%0.77%0.76%
Earnings Yield
9.35%6.94%9.35%8.17%8.97%
Efficiency Ratios
Receivables Turnover
0.10 2.24 0.10 2.56 0.00
Payables Turnover
0.00 0.00 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
0.07 1.64 0.07 1.60 1.57
Asset Turnover
<0.01 0.03 <0.01 0.03 0.03
Working Capital Turnover Ratio
<0.01 0.24 <0.01 0.12 0.22
Cash Conversion Cycle
3.78K 163.12 3.78K 142.73 0.00
Days of Sales Outstanding
3.78K 163.12 3.78K 142.73 0.00
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 0.00 0.00 0.00 0.00
Operating Cycle
3.78K 163.12 3.78K 142.73 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
3.39 2.36 3.39 2.97 1.94
Free Cash Flow Per Share
2.65 1.99 2.65 2.81 1.58
CapEx Per Share
0.75 0.37 0.75 0.15 0.36
Free Cash Flow to Operating Cash Flow
0.78 0.84 0.78 0.95 0.81
Dividend Paid and CapEx Coverage Ratio
3.30 3.40 3.30 7.56 3.45
Capital Expenditure Coverage Ratio
4.55 6.33 4.55 19.43 5.34
Operating Cash Flow Coverage Ratio
0.79 0.79 0.79 0.36 0.24
Operating Cash Flow to Sales Ratio
8.90 0.26 8.90 0.34 0.25
Free Cash Flow Yield
9.62%8.12%9.62%10.28%8.71%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
10.70 14.40 10.70 12.25 11.15
Price-to-Sales (P/S) Ratio
72.13 2.70 72.13 3.10 2.38
Price-to-Book (P/B) Ratio
1.06 0.90 1.06 0.99 0.76
Price-to-Free Cash Flow (P/FCF) Ratio
10.39 12.31 10.39 9.73 11.48
Price-to-Operating Cash Flow Ratio
8.11 10.37 8.11 9.23 9.33
Price-to-Earnings Growth (PEG) Ratio
0.70 -0.43 0.70 0.33 -0.78
Price-to-Fair Value
1.06 0.90 1.06 0.99 0.76
Enterprise Value Multiple
0.00 0.00 0.00 0.00 0.00
Enterprise Value
265.73M 167.07M 265.73M -489.50M -89.88M
EV to EBITDA
0.00 0.00 0.00 0.00 0.00
EV to Sales
41.64 1.10 41.64 -3.56 -0.79
EV to Free Cash Flow
6.00 5.00 6.00 -11.17 -3.80
EV to Operating Cash Flow
4.68 4.21 4.68 -10.60 -3.09
Tangible Book Value Per Share
19.28 20.98 19.28 20.78 207.14
Shareholders’ Equity Per Share
25.83 27.35 25.83 27.58 23.88
Tax and Other Ratios
Effective Tax Rate
0.22 0.21 0.22 0.22 0.21
Revenue Per Share
0.38 9.06 0.38 8.82 7.63
Net Income Per Share
2.57 1.70 2.57 2.23 1.63
Tax Burden
0.78 0.79 0.78 0.78 0.79
Interest Burden
-4.34 -2.68 -4.34 -4.92 -3.98
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
11.50 0.45 11.50 0.44 0.41
Stock-Based Compensation to Revenue
0.20 <0.01 0.20 <0.01 <0.01
Income Quality
1.32 1.39 1.32 1.33 1.19
Currency in USD
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