SMBK
SmartFinancial, Inc.
Banks - Regional
Market Cap$777M
5Y Perf.+181.0%
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SFBS
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Stock Comparison
SMBK vs SFBS
Revenue, margins, valuation, and 5-year total return — side by side.
SFBS
ServisFirst Bancshares, Inc.
Banks - Regional
Market Cap$4.50B
5Y Perf.+130.4%
SMBK vs SFBS — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot |  SMBK |  SFBS |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $777M | $4.50B |
| Revenue (TTM) | $316M | $1.02B |
| Net Income (TTM) | $50M | $277M |
| Gross Margin | 61.0% | 51.8% |
| Operating Margin | 19.4% | 33.6% |
| Forward P/E | 12.5x | 12.9x |
| Total Debt | $102M | $1.51B |
| Cash & Equiv. | $464M | $95M |
SMBK vs SFBS — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
SMBK
SFBS
| Stock | Jun 20 | Jun 26 | Return |
|---|---|---|---|
| SmartFinancial, Inc. (SMBK) | 100 | 281.0 | +181.0% |
| ServisFirst Bancsha… (SFBS) | 100 | 230.4 | +130.4% |
Price return only. Dividends and distributions are not included.
Quick Verdict: SMBK vs SFBS
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: SMBK leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. ServisFirst Bancshares, Inc. is the stronger pick specifically for profitability and margin quality and dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
🥇SMBK emerged as the overall leader. Track its performance:
SMBK
SmartFinancial, Inc.
The Banking Pick
SMBK carries the broadest edge in this set and is the clearest fit for growth exposure and sleep-well-at-night.
- Rev growth 10.9%, EPS growth 39.3%
- Lower volatility, beta 0.77, Low D/E 18.4%, current ratio 0.22x
- PEG 0.96 vs SFBS's 1.28
Best for: growth exposure and sleep-well-at-night
SFBS
ServisFirst Bancshares, Inc.
The Banking Pick
SFBS is the clearest fit if your priority is income & stability and long-term compounding.
- Dividend streak 1 yrs, beta 1.06, yield 1.6%
- 260.6% 10Y total return vs SMBK's 198.2%
- Beta 1.06, yield 1.6%, current ratio 0.28x
Best for: income & stability and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth |  SMBK | 10.9% NII/revenue growth vs SFBS's 4.1% |
| Value | SMBK | Lower P/E (12.5x vs 12.9x), PEG 0.96 vs 1.28 |
| Quality / Margins |  SFBS | Efficiency ratio 0.2% vs SMBK's 0.4% (lower = leaner) |
| Stability / Safety | SMBK | Beta 0.77 vs SFBS's 1.06, lower leverage |
| Dividends | SFBS | 1.6% yield, 1-year raise streak, vs SMBK's 0.7% |
| Momentum (1Y) | SMBK | +41.8% vs SFBS's +12.8% |
| Efficiency (ROA) | SFBS | Efficiency ratio 0.2% vs SMBK's 0.4% |
SMBK vs SFBS — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2025
SMBK vs SFBS — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLSMBKLAGGINGSFBS
SFBSServisFirst Bancshare…
2leads
SMBKSmartFinancial, Inc.
4leads
6 Total Categories
CATEGORYLEADERvs SFBSMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
SFBS3/5
Valuation MetricsMultiples, price ratios, and targets
SMBK6/7
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
SMBK5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
SMBK5/6
Risk & VolatilityBeta, volatility, and downside exposure
SMBK2/2
Analyst OutlookRatings, price targets, and dividends
SFBS2/2
Income & Cash Flow (Last 12 Months)
SFBS leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
SFBS is the larger business by revenue, generating $1.0B annually — 3.2x SMBK's $316M. SFBS is the more profitable business, keeping 27.2% of every revenue dollar as net income compared to SMBK's 15.9%.
| Metric | SMBKSmartFinancial, I… | SFBSServisFirst Bancs… |
|---|---|---|
| RevenueTrailing 12 months | $316M | $1.0B |
| EBITDAEarnings before interest/tax | $70M | $346M |
| Net IncomeAfter-tax profit | $50M | $277M |
| Free Cash FlowCash after capex | $57M | $351M |
| Gross MarginGross profit ÷ Revenue | +61.0% | +51.8% |
| Operating MarginEBIT ÷ Revenue | +19.4% | +33.6% |
| Net MarginNet income ÷ Revenue | +15.9% | +27.2% |
| FCF MarginFCF ÷ Revenue | +18.0% | +34.5% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +42.1% | +32.8% |
SFBS leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
SMBK leads this category, winning 6 of 7 comparable metrics.
Valuation Metrics
At 15.3x trailing earnings, SMBK trades at a 6% valuation discount to SFBS's 16.3x P/E. Adjusting for growth (PEG ratio), SMBK offers better value at 1.18x vs SFBS's 1.61x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | SMBKSmartFinancial, I… | SFBSServisFirst Bancs… |
|---|---|---|
| Market CapShares × price | $777M | $4.5B |
| Enterprise ValueMkt cap + debt − cash | $414M | $5.9B |
| Trailing P/EPrice ÷ TTM EPS | 15.26x | 16.28x |
| Forward P/EPrice ÷ next-FY EPS est. | 12.50x | 12.87x |
| PEG RatioP/E ÷ EPS growth rate | 1.18x | 1.61x |
| EV / EBITDAEnterprise value multiple | 5.93x | 17.29x |
| Price / SalesMarket cap ÷ Revenue | 2.46x | 4.43x |
| Price / BookPrice ÷ Book value/share | 1.39x | 2.43x |
| Price / FCFMarket cap ÷ FCF | 13.10x | 12.89x |
SMBK leads this category, winning 6 of 7 comparable metrics.
Profitability & Efficiency
SMBK leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
SFBS delivers a 15.8% return on equity — every $100 of shareholder capital generates $16 in annual profit, vs $10 for SMBK. SMBK carries lower financial leverage with a 0.18x debt-to-equity ratio, signaling a more conservative balance sheet compared to SFBS's 0.81x. On the Piotroski fundamental quality scale (0–9), SFBS scores 8/9 vs SMBK's 6/9, reflecting strong financial health.
| Metric | SMBKSmartFinancial, I… | SFBSServisFirst Bancs… |
|---|---|---|
| ROE (TTM)Return on equity | +9.5% | +15.8% |
| ROA (TTM)Return on assets | +0.9% | +1.6% |
| ROICReturn on invested capital | +7.7% | +7.3% |
| ROCEReturn on capital employed | +9.6% | +4.5% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 8 |
| Debt / EquityFinancial leverage | 0.18x | 0.81x |
| Net DebtTotal debt minus cash | -$363M | $1.4B |
| Cash & Equiv.Liquid assets | $464M | $95M |
| Total DebtShort + long-term debt | $102M | $1.5B |
| Interest CoverageEBIT ÷ Interest expense | 0.51x | 0.75x |
SMBK leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
SMBK leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in SMBK five years ago would be worth $19,258 today (with dividends reinvested), compared to $12,763 for SFBS. Over the past 12 months, SMBK leads with a +41.8% total return vs SFBS's +12.8%. The 3-year compound annual growth rate (CAGR) favors SMBK at 26.8% vs SFBS's 24.5% — a key indicator of consistent wealth creation.
| Metric | SMBKSmartFinancial, I… | SFBSServisFirst Bancs… |
|---|---|---|
| YTD ReturnYear-to-date | +24.8% | +15.8% |
| 1-Year ReturnPast 12 months | +41.8% | +12.8% |
| 3-Year ReturnCumulative with dividends | +103.9% | +92.8% |
| 5-Year ReturnCumulative with dividends | +92.6% | +27.6% |
| 10-Year ReturnCumulative with dividends | +198.2% | +260.6% |
| CAGR (3Y)Annualised 3-year return | +26.8% | +24.5% |
SMBK leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
SMBK leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
SMBK is the less volatile stock with a 0.77 beta — it tends to amplify market swings less than SFBS's 1.06 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. SMBK currently trades 99.6% from its 52-week high vs SFBS's 90.9% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | SMBKSmartFinancial, I… | SFBSServisFirst Bancs… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.77x | 1.06x |
| 52-Week HighHighest price in past year | $45.63 | $90.64 |
| 52-Week LowLowest price in past year | $30.95 | $67.20 |
| % of 52W HighCurrent price vs 52-week peak | +99.6% | +90.9% |
| RSI (14)Momentum oscillator 0–100 | 69.1 | 65.1 |
| Avg Volume (50D)Average daily shares traded | 67K | 211K |
SMBK leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
SFBS leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates SMBK as "Hold" and SFBS as "Buy". Consensus price targets imply 9.2% upside for SFBS (target: $90) vs 7.8% for SMBK (target: $49). For income investors, SFBS offers the higher dividend yield at 1.62% vs SMBK's 0.71%.
| Metric | SMBKSmartFinancial, I… | SFBSServisFirst Bancs… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | $49.00 | $90.00 |
| # AnalystsCovering analysts | 9 | 6 |
| Dividend YieldAnnual dividend ÷ price | +0.7% | +1.6% |
| Dividend StreakConsecutive years of raises | 0 | 1 |
| Dividend / ShareAnnual DPS | $0.32 | $1.34 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
SFBS leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
SMBK leads in 4 of 6 categories (Valuation Metrics, Profitability & Efficiency). SFBS leads in 2 (Income & Cash Flow, Analyst Outlook).
Best OverallSmartFinancial, Inc. (SMBK)Leads 4 of 6 categories
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SMBK vs SFBS: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is SMBK or SFBS a better buy right now?
For growth investors, SmartFinancial, Inc.
(SMBK) is the stronger pick with 10. 9% revenue growth year-over-year, versus 4. 1% for ServisFirst Bancshares, Inc. (SFBS). SmartFinancial, Inc. (SMBK) offers the better valuation at 15. 3x trailing P/E (12. 5x forward), making it the more compelling value choice. Analysts rate ServisFirst Bancshares, Inc. (SFBS) a "Buy" — based on 6 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — SMBK or SFBS?
On trailing P/E, SmartFinancial, Inc.
(SMBK) is the cheapest at 15. 3x versus ServisFirst Bancshares, Inc. at 16. 3x. On forward P/E, SmartFinancial, Inc. is actually cheaper at 12. 5x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: SmartFinancial, Inc. wins at 0. 96x versus ServisFirst Bancshares, Inc. 's 1. 28x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — SMBK or SFBS?
Over the past 5 years, SmartFinancial, Inc.
(SMBK) delivered a total return of +92. 6%, compared to +27. 6% for ServisFirst Bancshares, Inc. (SFBS). Over 10 years, the gap is even starker: SFBS returned +260. 6% versus SMBK's +198. 2%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — SMBK or SFBS?
By beta (market sensitivity over 5 years), SmartFinancial, Inc.
(SMBK) is the lower-risk stock at 0. 77β versus ServisFirst Bancshares, Inc. 's 1. 06β — meaning SFBS is approximately 37% more volatile than SMBK relative to the S&P 500. On balance sheet safety, SmartFinancial, Inc. (SMBK) carries a lower debt/equity ratio of 18% versus 81% for ServisFirst Bancshares, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — SMBK or SFBS?
By revenue growth (latest reported year), SmartFinancial, Inc.
(SMBK) is pulling ahead at 10. 9% versus 4. 1% for ServisFirst Bancshares, Inc. (SFBS). On earnings-per-share growth, the picture is similar: SmartFinancial, Inc. grew EPS 39. 3% year-over-year, compared to 21. 6% for ServisFirst Bancshares, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — SMBK or SFBS?
ServisFirst Bancshares, Inc.
(SFBS) is the more profitable company, earning 27. 2% net margin versus 15. 9% for SmartFinancial, Inc. — meaning it keeps 27. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: SFBS leads at 33. 6% versus 19. 4% for SMBK. At the gross margin level — before operating expenses — SMBK leads at 61. 0%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is SMBK or SFBS more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.
By this metric, SmartFinancial, Inc. (SMBK) is the more undervalued stock at a PEG of 0. 96x versus ServisFirst Bancshares, Inc. 's 1. 28x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, SmartFinancial, Inc. (SMBK) trades at 12. 5x forward P/E versus 12. 9x for ServisFirst Bancshares, Inc. — 0. 4x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for SFBS: 9. 2% to $90. 00.
08Which pays a better dividend — SMBK or SFBS?
All stocks in this comparison pay dividends.
ServisFirst Bancshares, Inc. (SFBS) offers the highest yield at 1. 6%, versus 0. 7% for SmartFinancial, Inc. (SMBK).
09Is SMBK or SFBS better for a retirement portfolio?
For long-horizon retirement investors, SmartFinancial, Inc.
(SMBK) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 77), 0. 7% yield, +198. 2% 10Y return). Both have compounded well over 10 years (SMBK: +198. 2%, SFBS: +260. 6%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between SMBK and SFBS?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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