SmartFinancial, Inc. (SMBK) — Financial ratios
Profitability, liquidity, leverage, and valuation ratios for SmartFinancial, Inc., with annual and quarterly history.
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|
| Valuation | ||||||
| P/E Ratio | 12.33x | 14.37x | 14.40x | 10.70x | 12.25x | 11.15x |
| P/B Ratio | 1.12x | 1.06x | 0.90x | 1.06x | 0.99x | 0.76x |
| P/S Ratio | 1.96x | 1.82x | 1.71x | 2.47x | 2.86x | 2.04x |
| Profitability | ||||||
| Gross Margin | 61.0% | 58.3% | 62.1% | 86.4% | 91.0% | 80.9% |
| Operating Margin | 19.4% | 15.9% | 15.1% | 29.4% | 29.7% | 23.2% |
| Net Margin | 15.9% | 12.7% | 11.9% | 23.1% | 23.3% | 18.3% |
| EBITDA Margin | 22.1% | 19.9% | 20.7% | 36.2% | 35.7% | 29.1% |
| Liquidity | ||||||
| Current Ratio | 0.22x | 0.16x | 0.18x | 0.20x | 0.38x | 0.22x |
| Quick Ratio | 0.22x | 0.16x | 0.18x | 0.20x | 0.38x | 0.22x |
| Leverage | ||||||
| Debt/Equity | 0.18x | 0.10x | 0.12x | 0.19x | 0.33x | 0.34x |
YoY = year-over-year change. Source: FMP..