SMBK PEER ANALYSIS

SmartFinancial, Inc. — metric-by-metric comparison with peers and the industry median

SMBKSmartFinancial, Inc.

🇺🇸 USA · NYSE · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

SMBKIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	SMBK	NWG	LLOY	TSKB	SKBNK	LB	Ind. Median
P/E	14.98	9.10	13.24	2.96●	21.63	116.70	12.88
P/B	1.41	1.40	1.39	0.71	3.42	0.68●	1.28
EV/EBITDA	-0.08	-8.48●	14.73	2.20	2.96	306.43	9.31
P/S	—	—	—	—	—	—	—

Financial Health
Metric	SMBK	NWG	LLOY	TSKB	SKBNK	LB	Ind. Median
Current Ratio	1.03●	0.25	0.12	—	—	0.01	0.31
Debt/Equity	18.1%	17.0%	209.8%	0.0%●	0.0%●	744.5%	38.0%
NetDebt/EBITDA	-11.24	-14.68●	5.39	-0.47	-13.41	280.57	-0.58

Profitability
Metric	SMBK	NWG	LLOY	TSKB	SKBNK	LB	Ind. Median
Net Margin	16.3%	20.1%	25.9%	54.9%●	14.2%	1.4%	20.6%
ROE	9.9%	14.9%	10.6%	27.4%●	17.5%	1.0%	10.9%
ROA	0.9%	0.8%	0.5%	3.7%●	1.2%	0.1%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	SMBK	NWG	LLOY	TSKB	SKBNK	LB	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	38.7%●	16.0%	16.2%	-1.3%	8.1%	-80.9%	19.4%
Div. Yield	0.7%	4.8%●	3.2%	—	—	4.7%	2.5%
Payout	10.3%	—	—	—	—	335.1%	31.4%

Valuation
Metric	SMBK	ORRF	ALRS	MPB	FISI	SHBI	Ind. Median
P/E	14.98	9.27●	29.09	15.98	9.71	12.03	12.88
P/B	1.41	1.30	1.37	0.92●	1.21	1.25	1.28
EV/EBITDA	-0.08●	0.42	17.63	6.20	7.94	8.29	9.31
P/S	—	—	—	—	—	—	—

Financial Health
Metric	SMBK	ORRF	ALRS	MPB	FISI	SHBI	Ind. Median
Current Ratio	1.03	52.80●	0.75	0.07	0.04	42.84	0.31
Debt/Equity	18.1%	43.6%	52.5%	5.8%●	35.6%	16.5%	38.0%
NetDebt/EBITDA	-11.24●	-6.07	3.17	-4.79	0.39	0.57	-0.58

Profitability
Metric	SMBK	ORRF	ALRS	MPB	FISI	SHBI	Ind. Median
Net Margin	16.3%	23.7%●	8.2%	14.6%	20.9%	18.2%	20.6%
ROE	9.9%	14.9%●	5.0%	6.6%	12.9%	10.9%	10.9%
ROA	0.9%	1.5%●	0.5%	0.8%	1.3%	1.0%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	SMBK	ORRF	ALRS	MPB	FISI	SHBI	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	38.7%	168.0%●	9.9%	0.3%	—	27.0%	19.4%
Div. Yield	0.7%	2.6%	2.7%	2.4%	3.1%●	2.1%	2.5%
Payout	10.3%	25.4%	76.9%	40.1%	33.4%	25.6%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 7, 26. This content is for informational purposes only and is not investment advice.