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SmartFinancial Inc

NYSE:SMBKFinancial ServicesCBOEFTSE:MRUTrussell2000

$50.51−0.65%At closeAt close · Tue 20 Oct · ≈ AED 185.50 · Market cap $863.64M · Next earnings Tue 20 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	80.9%	91.0%	86.4%	62.1%	58.3%	61.0%	—	—
Operating margin	23.2%	29.7%	29.4%	15.1%	15.9%	19.4%	19.4%	+0.0 pts
Net margin	18.3%	23.3%	23.1%	11.9%	12.7%	15.9%	15.9%	+0.0 pts
EBITDA margin	29.1%	35.7%	36.2%	20.7%	19.9%	22.1%	—	—
Return on equity	6.8%	8.1%	9.9%	6.2%	7.4%	9.1%	9.1%	−0.0 pts
Return on assets	0.7%	0.8%	0.9%	0.6%	0.7%	0.9%	0.9%	+0.0 pts
Return on capital employed	6.3%	7.7%	10.1%	6.6%	7.8%	8.7%	—	—
Debt / equity	0.3×	0.3×	0.2×	0.1×	0.1×	0.2×	0.2×	−0.0%
Debt / assets	3.6%	3.1%	1.8%	1.1%	0.9%	1.7%	—	—
Interest coverage	1.8×	3.7×	2.6×	0.4×	0.4×	0.5×	—	—
Current ratio	0.2×	0.4×	0.2×	0.2×	0.2×	0.2×	0.2×	+0.0%
Quick ratio	0.2×	0.4×	0.2×	0.2×	0.2×	0.2×	—	—
Cash ratio	0.1×	0.2×	0.1×	0.1×	0.1×	0.1×	0.1×	+0.0%
Asset turnover	0.0×	0.0×	0.0×	0.0×	0.1×	0.1×	—	—
Receivables turnover	—	2.8×	2.8×	3.5×	4.5×	—	—	—
Dividend payout	12.3%	10.7%	11.0%	19.0%	15.0%	10.8%	—	—