Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
SmartFinancial, Inc.'s quarterly P/E stands at 11.4x, down 16.0% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has expanded 17.2% YoY to 3.8x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 15.26 | 11.42 | 11.03 | 12.24 | 11.60 | 13.59 | 13.49 | 12.33 | 9.58 | 16.55 | 44.52 | 10.34 | 8.51 |
| — | -16.0% | -18.3% | -0.7% | +21.1% | -17.9% | -69.7% | +19.2% | +12.6% | +85.3% | +390.1% | +4.4% | -34.8% | |
| P/S Ratio | 2.46 | 1.87 | 1.91 | 1.82 | 1.75 | 1.74 | 1.68 | 1.45 | 1.31 | 1.59 | 1.62 | 1.53 | 1.63 |
| — | +7.3% | +13.6% | +25.7% | +33.7% | +9.3% | +3.9% | -5.7% | -19.6% | -25.3% | -24.8% | -34.4% | -39.6% | |
| P/B Ratio | 1.39 | 1.13 | 1.12 | 1.10 | 1.04 | 1.06 | 1.00 | 0.84 | 0.76 | 0.90 | 0.81 | 0.82 | 0.88 |
| — | +6.5% | +11.8% | +30.1% | +35.7% | +18.1% | +24.0% | +3.3% | -13.4% | -16.1% | -19.5% | -15.7% | -14.1% | |
| P/FCF | 13.10 | 11.26 | 9.12 | 10.76 | 9.81 | 8.51 | 10.82 | 6.46 | 21.42 | 10.96 | 15.79 | 10.72 | 9.98 |
| — | +32.3% | -15.7% | +66.7% | -54.2% | -22.3% | -31.5% | -39.8% | +114.6% | +26.6% | +49.1% | +18.2% | -9.1% | |
| EV / EBITDA | 5.93 | 3.83 | 2.84 | 3.97 | 2.46 | 3.27 | 6.42 | 3.31 | 0.27 | 3.98 | 2.42 | 3.13 | 2.89 |
| — | +17.2% | -55.8% | +19.9% | +800.5% | -17.9% | +165.2% | +5.6% | -90.5% | +16.3% | +6452.3% | +259.7% | +172.2% | |
| EV / EBIT | 6.74 | 3.94 | 3.26 | 4.72 | 2.96 | 3.98 | 8.12 | 4.21 | 0.34 | 5.58 | 5.99 | 4.13 | 3.53 |
| — | -1.0% | -59.9% | +12.1% | +761.5% | -28.7% | +35.5% | +1.9% | -90.3% | +24.2% | +13208.5% | +269.7% | +168.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
SmartFinancial, Inc.'s operating margin was 19.9% in Q4 2025, down 1.5 pp QoQ and up 3.4 pp YoY. Gross margin expanded 6.9% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 61.0% | 63.6% | 59.2% | 59.8% | 61.2% | 59.5% | 56.9% | 57.4% | 59.5% | 57.7% | 55.2% | 65.2% | 70.5% |
| — | +6.9% | +4.0% | +4.1% | +2.8% | +3.1% | +3.1% | -11.9% | -15.6% | -28.6% | -36.2% | -27.3% | -22.1% | |
| Operating Margin | 19.4% | 19.9% | 21.4% | 18.2% | 18.1% | 16.5% | 14.7% | 15.0% | 17.6% | 12.0% | 4.3% | 18.9% | 24.7% |
| — | +20.9% | +45.7% | +21.3% | +2.8% | +37.0% | +245.0% | -20.5% | -28.7% | -60.4% | -86.0% | -37.3% | -6.0% | |
| Net Margin | 15.9% | 16.3% | 17.3% | 14.9% | 15.0% | 12.8% | 12.5% | 11.6% | 13.7% | 9.5% | 3.7% | 14.9% | 19.1% |
| — | +27.4% | +38.2% | +28.6% | +9.3% | +34.9% | +238.6% | -22.1% | -28.2% | -60.2% | -84.5% | -36.4% | -7.3% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.6% | 2.5% | 2.6% | 2.3% | 2.3% | 2.0% | 1.9% | 1.7% | 2.0% | 1.4% | 0.5% | 2.0% | 2.6% |
| — | +27.7% | +36.1% | +34.0% | +11.7% | +44.0% | +310.0% | -14.3% | -23.1% | -55.5% | -83.2% | -18.2% | +35.0% | |
| ROA | 0.9% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.1% | 0.0% | 0.2% | 0.2% |
| — | +24.3% | +30.1% | +32.0% | +10.1% | +47.2% | +330.7% | -12.4% | -21.8% | -53.4% | -82.0% | -13.6% | +38.1% | |
| ROIC | 7.7% | 1.9% | 2.0% | 1.9% | 1.9% | 1.7% | 1.5% | 1.5% | 1.7% | 1.2% | 0.4% | 1.7% | 2.2% |
| — | +9.0% | +35.1% | +29.0% | +7.0% | +49.5% | +325.3% | -11.3% | -20.4% | -53.9% | -84.7% | -17.3% | +48.3% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
SmartFinancial, Inc.'s Debt/EBITDA ratio is 5.9x, down from 7.2x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 40.3% YoY to 0.22x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.18 | 0.18 | 0.26 | 0.09 | 0.09 | 0.10 | 0.10 | 0.12 | 0.11 | 0.12 | 0.13 | 0.13 | 0.13 |
| — | +89.3% | +161.1% | -22.5% | -16.0% | -19.0% | -20.9% | -10.2% | -15.7% | -38.1% | -13.6% | -0.2% | -29.5% | |
| Debt / EBITDA | 1.45 | 5.91 | 7.19 | 2.75 | 2.90 | 3.17 | 3.58 | 4.17 | 3.45 | 5.03 | 9.53 | 3.90 | 3.24 |
| — | +86.6% | +100.6% | -34.1% | -15.9% | -37.0% | -62.4% | +6.9% | +6.6% | +30.1% | +183.2% | +16.5% | -44.3% | |
| Current Ratio | 0.22 | 0.22 | 0.20 | 0.12 | 0.20 | 0.16 | 0.17 | 0.20 | 0.21 | 0.18 | 0.19 | 0.20 | 0.20 |
| — | +40.3% | +11.5% | -40.1% | -5.0% | -11.5% | -8.6% | -2.4% | +3.9% | -7.9% | -22.6% | -26.8% | -35.2% | |
| Quick Ratio | 0.22 | 0.22 | 0.20 | 0.12 | 0.20 | 0.16 | 0.17 | 0.20 | 0.21 | 0.18 | 0.19 | 0.20 | 0.20 |
| — | +40.3% | +11.5% | -40.1% | -5.0% | -11.5% | -8.6% | -2.4% | +3.9% | -7.9% | -22.6% | -26.8% | -35.2% | |
| Interest Coverage | 0.51 | 0.55 | 0.53 | 0.49 | 0.48 | 0.44 | 0.37 | 0.36 | 0.43 | 0.30 | 0.10 | 0.54 | 0.86 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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SmartFinancial, Inc.'s current P/E is 15.3x. The average P/E over the last 4 quarters is 11.6x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
SmartFinancial, Inc.'s current operating margin is 19.4%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking SmartFinancial, Inc.'s business trajectory between earnings reports.