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 was 12.67% last year and is 18.22% this year, 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 0.99% is lower than the 5.00% threshold, indicating inefficient asset utilization

SmartFinancial, Inc.'s return on equity of 10.97%, 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 7.27%, 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 8.37% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. 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 129.78 based on Base Cash Flow Valuation (DCF) model

SmartFinancial, Inc. has an earnings yield of 7.76%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

SmartFinancial, Inc. is undervalued relative to its fair value price of 91.00 based on Base EBITDA Valuation 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 Base Earnings Fair Value model

SmartFinancial, Inc. has a PEG-ratio under 1 which is considered undervalued

SmartFinancial, Inc. has a price-to-book ratio of 1.38x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

SmartFinancial, Inc. has a price-to-sales ratio of 2.35x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue