SmartFinancial, Inc. cash flow to debt ratio of 60.71% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

SmartFinancial, Inc.'s free cash flow has increased 28.17% from $46.30M last year to $59.34M, signaling increasing performance

SmartFinancial, Inc.'s debt to equity ratio is 0.17, which means that the company's assets are healthy financed, signaling financial stability.

SmartFinancial, Inc.'s debt has increased relative to shareholder equity from 0.10 last year to 0.17 today, signaling weakened financials

SmartFinancial, Inc. has a net cash position, so leverage is healthy.

SmartFinancial, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

SmartFinancial, Inc.'s profit margin has increased (36.78%) in the last year from 12.67% to 17.33%, signaling increasing performance

SmartFinancial, Inc.'s short-term liabilities of $5.16B exceed its short-term assets of $1.15B, signaling financial risk

SmartFinancial, Inc.'s return on assets of 0.94% is lower than the 5.00% threshold, indicating inefficient asset utilization

SmartFinancial, Inc.'s return on equity of 10.30%, is lower than 15.00%, indicating bad performance

SmartFinancial, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

SmartFinancial, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

SmartFinancial, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

SmartFinancial, Inc. has a free cash flow yield of 6.77%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

SmartFinancial, Inc.'s yearly earnings has increased 39.31% since last year from $36.14M to $50.35M, signaling increasing performance

SmartFinancial, Inc.'s yearly revenue has increased 10.90% since last year from $285.27M to $316.37M, signaling increasing performance

ROIC 0.94% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

SmartFinancial, Inc.'s 3-year revenue CAGR of 19.25% is positive, indicating growing revenue over the past 3 years

SmartFinancial, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

SmartFinancial, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

SmartFinancial, Inc. is undervalued relative to its fair value price of 78.09 based on Discounted Cash Flow model

SmartFinancial, Inc. has an earnings yield of 6.65%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

SmartFinancial, Inc. is overvalued relative to its fair value price of 45.12 based on EBITDA multiple model

SmartFinancial, Inc. has insufficient data to compute enterprise value.

SmartFinancial, Inc. is undervalued relative to its fair value price of 70.28 based on Earnings Fair Value model

SmartFinancial, Inc. has a PEG-ratio over 1 which is considered overvalued

SmartFinancial, Inc. has a price-to-book ratio of 1.50x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

SmartFinancial, Inc. has a price-to-sales ratio of 2.60x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue