SmartFinancial, Inc. Financial Ratios — SMBK Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	1.57	0.67	0.7	4.22	1.78	4.65	3.1	7.41	8.91	7.26	8.85	9.98	6.41	7.6	9.65
Return on Assets (%)	0.24	0.32	0.38	0.38	0.19	0.56	0.36	0.91	1.12	0.85	0.88	0.93	0.6	0.72	0.9
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.33	3.39	3	8.69	4.1	5.3	-3.39	4.05	4.75	6.67	6.55	7.65	8.86	6.66	4.96
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	7.95	12.7	16.14	15.3	11.89	22.18	22.91	26.28	36.92	26.56	32.27	33.23	23.77	26.51	31.3
Profit Margin (%)	6.73	8.99	9.96	9.51	5.7	14.04	10.04	22.3	29.3	20.92	25.33	26.04	18.76	21.07	25.62
Net Income to Common Margin (%)	2.47	1.11	1.07	8.88	5.25	11.57	9.65	22.3	29.3	20.92	25.33	26.04	18.76	21.07	25.62
Effective Tax Rate (%)	15.45	29.18	38.29	37.88	52.08	36.7	56.18	15.15	20.62	21.23	21.5	21.65	21.07	20.5	18.14
Dvd Payout Ratio (%)	-91.76	-141.55	-36.56	- -	- -	-5.65	- -	- -	2.64	12.27	10.72	10.98	18.98	15	10.83
Sustainable Growth Rate (%)	3	1.62	0.96	4.22	1.78	4.91	3.1	7.41	8.68	6.37	7.9	8.89	5.19	6.46	8.6

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	43	37	27	28	52	19	44	50	65	115	137	79	50	44	99
ST Debt	- -	- -	- -	16	18	- -	- -	- -	- -	- -	7	12	8	4	- -
LT Debt	43	37	27	12	34	19	44	50	65	115	130	67	42	40	99
Total Debt/EBITDA	84.36	70.27	52.75	16.71	48.07	8.45	-25.78	15.32	15.05	14.78	15.18	6.26	3.71	3.83	10.13
Net Debt/EBITDA	8.16	-42	3.73	-6.58	-19.87	-22.95	36.93	-19.87	-22.29	-38.73	-96.76	-13.6	-18.13	-28.89	-36.23
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	5.99	5.88	5.84	10.47	9.78	9.9	11.96	12.44	12.77	10.81	9.31	9.33	9.52	9.31	9.42
Long-Term Debt/Equity (%)	122.26	90.92	66.63	21.47	34.13	17.58	21.18	17.82	20.69	32.13	30.16	15.4	9.15	8.07	17.86
Long-Term Debt/Capital (%)	55.01	47.62	39.99	14.3	22.44	14.95	17.48	15.12	17.14	24.31	22.88	13.02	8.25	7.42	15.15
Long-Term Debt/Total Assets (%)	10.18	8.38	6.19	2.25	3.34	1.74	2.53	2.22	2.64	3.47	2.81	1.44	0.87	0.75	1.68
Total Debt/Equity (%)	122.26	90.92	66.63	50.1	52.1	17.58	21.18	17.82	20.69	32.13	31.82	18.29	10.89	8.89	17.86
Total Debt/Capital (%)	55.01	47.62	39.99	33.38	34.25	14.95	17.48	15.12	17.14	24.31	24.14	15.47	9.82	8.16	15.15
Total Debt/Total Assets (%)	10.18	8.38	6.19	5.25	5.1	1.74	2.53	2.22	2.64	3.47	2.96	1.71	1.04	0.83	1.68
Net Debt to Equity	11.82	-54.34	4.7	-19.73	-21.54	-47.74	-30.34	-23.11	-30.64	-84.15	-202.82	-39.77	-53.21	-67.11	-63.88
Net Debt/Capital (%)	10.57	-119.02	4.49	-24.58	-27.45	-91.36	-43.56	-30.05	-44.18	-530.99	197.26	-66.04	-113.74	-204.06	-176.85
EBITDA	1	1	1	2	1	2	-2	3	4	8	9	13	13	11	10
EBITDA-CapEx	- -	- -	- -	-1	- -	-5	-4	-1	-2	2	7	- -	7	5	7
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	5.99	5.88	5.84	10.47	9.78	9.9	11.96	12.44	12.77	10.81	9.31	9.33	9.52	9.31	9.42
Long-Term Debt/Equity (%)	122.26	90.92	66.63	21.47	34.13	17.58	21.18	17.82	20.69	32.13	30.16	15.4	9.15	8.07	17.86
Long-Term Debt/Capital (%)	55.01	47.62	39.99	14.3	22.44	14.95	17.48	15.12	17.14	24.31	22.88	13.02	8.25	7.42	15.15
Long-Term Debt/Total Assets (%)	10.18	8.38	6.19	2.25	3.34	1.74	2.53	2.22	2.64	3.47	2.81	1.44	0.87	0.75	1.68
Total Debt/Equity (%)	122.26	90.92	66.63	50.1	52.1	17.58	21.18	17.82	20.69	32.13	31.82	18.29	10.89	8.89	17.86
Total Debt/Capital (%)	55.01	47.62	39.99	33.38	34.25	14.95	17.48	15.12	17.14	24.31	24.14	15.47	9.82	8.16	15.15
Total Debt/Total Assets (%)	10.18	8.38	6.19	5.25	5.1	1.74	2.53	2.22	2.64	3.47	2.96	1.71	1.04	0.83	1.68
CFO/Total Liabilities	0.63	1.15	1.13	0.35	0.25	1.21	0.08	1.05	1.4	0.99	1.1	1.35	0.91	1.1	1.16
CFO/CapEx	19.89	28.99	310.22	0.59	2.16	1.66	0.44	5.41	4.76	5.34	19.43	4.55	6.33	8.23	25.84
Altman's Z-Score	0.04	0.05	0.05	0.09	0.1	0.13	0.14	0.14	0.17	0.13	0.13	0.15	0.14	0.15	0.17

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	11.54	12.27	15.39	18.18	46.35	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	31.63	29.75	23.71	20.08	7.87	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	10	15	16	22	93	109	242	255	331	274	460	465	416	524	630
- Cash & Cash Equivalents	39	59	25	39	74	69	106	116	161	415	1,008	251	295	374	452
+ Preferred Equity and Hybrid Capital	10	15	15	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	43	37	27	28	52	19	44	50	65	115	137	79	50	44	99
Enterprise Value	-62	-69	-60	-88	-95	-70	28	-13	57	-242	-894	-191	-237	-288	-159
Total Capital	78	78	67	84	152	124	249	333	377	472	566	512	510	535	651
Total Debt/Capital (%)	55.01	47.62	39.99	33.38	34.25	14.95	17.48	15.12	17.14	24.31	24.14	15.47	9.82	8.16	15.15
Total Debt / EV	-0.69	-0.54	-0.45	-0.32	-0.55	-0.26	1.58	-4.03	1.13	-0.47	-0.15	-0.41	-0.21	-0.15	-0.62
EV/Sales	- -	- -	- -	- -	- -	- -	0.55	- -	0.63	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	13.28	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	22.26	- -	1.91	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	6.83	- -	1.58	- -	- -	- -	- -	- -	- -
Diluted Market Cap	10	15	16	23	93	114	190	229	332	272	430	464	414	523	625
Diluted Enterprise Value	24	8	33	12	72	64	127	163	236	-28	-441	292	169	193	272
EV per Share	- -	- -	- -	- -	- -	- -	2.48	- -	4.08	- -	- -	- -	- -	- -	- -
TTM Sales	15	16	17	19	26	41	50	81	91	116	137	165	152	172	197
TTM EBITDA	1	1	1	2	1	2	-2	3	4	8	9	13	13	11	10
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	2	5	4	2	2	12	1	21	30	29	46	57	40	53	62
TTM Free Cash Flow to Firm	3	5	4	5	3	19	4	25	36	35	49	69	46	59	64

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	3.77	3.11	3.56	4.98	27.29	6.13	47.01	9.27	9.19	7.9	8.85	6.7	9.01	8.85	9.75
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-62	-69	-60	-88	-95	-70	28	-13	57	-242	-894	-191	-237	-288	-159
Low Price	3	4.8	6.92	9.2	12.08	14.21	17.17	16.17	17.15	11.05	17.86	22.63	18.86	19	26.31
EV/Sales	- -	- -	- -	- -	- -	- -	0.55	- -	0.63	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	13.28	- -	- -	- -	- -	- -	- -
Price/Earnings	25.73	86.4	85.82	12.78	67.23	22.69	38.86	12.53	12.43	11.15	12.25	10.7	14.39	14.37	12.33
Price/Earnings Average	22.04	69.55	82.76	10.25	61.69	20.16	40.57	15.86	10.9	9.95	10.74	10.18	13.69	12.13	11.35
Price/Earnings High	32.59	94.32	104.65	14.44	71.86	25.16	47.03	18.99	12.61	14.71	12.55	11.87	16.68	17.5	13.36
Price/Earnings Low	12.87	45.27	62.64	8.88	50.47	17.38	30.75	11.09	9.01	6.79	7.99	8.81	11.08	8.82	8.77
Price/Book Value	0.39	0.57	0.61	0.39	0.93	1.04	1.18	0.9	1.06	0.77	1.07	1.07	0.9	1.07	1.14
Price/Book Value Average	0.33	0.46	0.59	0.31	0.86	0.92	1.23	1.14	0.93	0.68	0.94	1.02	0.86	0.9	1.05
Price/Book Value High	0.49	0.62	0.75	0.44	1	1.15	1.42	1.36	1.07	1.01	1.1	1.19	1.05	1.3	1.24
Price/Book Value Low	0.19	0.3	0.45	0.27	0.7	0.8	0.93	0.8	0.77	0.47	0.7	0.88	0.7	0.65	0.81
Price/Tangible Book Value	0.39	0.57	0.61	0.39	1	1.11	1.56	1.25	1.41	1.01	1.42	1.44	1.18	1.36	1.38
Price/Tangible Book Value Average	0.33	0.46	0.59	0.32	0.92	0.99	1.63	1.58	1.23	0.9	1.25	1.37	1.12	1.14	1.27
Price/Tangible Book Value High	0.49	0.62	0.75	0.45	1.07	1.23	1.89	1.89	1.43	1.34	1.46	1.6	1.37	1.65	1.49
Price/Tangible Book Value Low	0.19	0.3	0.45	0.27	0.75	0.85	1.24	1.1	1.02	0.62	0.93	1.19	0.91	0.83	0.98
Price/Sales	0.64	0.95	0.92	1.14	3.53	2.63	3.75	2.79	3.64	2.33	3.1	2.79	2.7	3.03	3.16
Price/Sales Average	0.55	0.77	0.89	0.91	3.24	2.33	3.91	3.54	3.19	2.08	2.72	2.65	2.57	2.56	2.91
Price/Sales High	0.81	1.04	1.12	1.28	3.77	2.91	4.54	4.24	3.69	3.08	3.18	3.09	3.13	3.69	3.42
Price/Sales Low	0.32	0.5	0.67	0.79	2.65	2.01	2.97	2.47	2.64	1.42	2.03	2.29	2.08	1.86	2.25
Price/Cash Flow	3.96	3.21	3.51	12.97	39.9	9.35	151.05	10.89	11.05	9.33	9.23	8.11	10.36	9.86	10.06
Price/Cash Flow Average	3.4	2.58	3.38	10.39	36.61	8.31	157.7	13.79	9.69	8.33	8.09	7.71	9.85	8.32	9.26
Price/Cash Flow High	5.02	3.5	4.28	14.65	42.65	10.37	182.79	16.51	11.21	12.32	9.45	8.99	12.01	12	10.9
Price/Cash Flow Low	1.98	1.68	2.56	9.01	29.96	7.16	119.52	9.64	8.01	5.69	6.02	6.67	7.98	6.05	7.15
Price/Free Cash Flow Average	3.23	2.5	3.43	4	25.04	5.44	49.08	11.74	8.06	7.05	7.76	6.37	8.56	7.47	8.98
Price/Free Cash Flow High	4.78	3.39	4.34	5.63	29.17	6.8	56.89	14.05	9.33	10.42	9.06	7.43	10.44	10.77	10.56
Price/Free Cash Flow Low	1.89	1.63	2.6	3.46	20.49	4.69	37.2	8.21	6.67	4.81	5.77	5.51	6.94	5.42	6.93
EV/Sales Average	1.46	0.29	1.88	0.34	2.42	1.14	3.81	3.16	2.15	- -	- -	1.64	0.99	0.66	1.16
EV/Sales High	1.72	0.57	2.12	0.71	2.96	1.72	4.61	3.95	2.65	0.53	- -	2.08	1.56	1.8	1.68
EV/Sales Low	1.24	0.03	1.67	0.22	1.83	0.81	2.58	1.97	1.59	- -	- -	1.27	0.5	- -	0.48
EV/EBITDA Average	43.93	8.67	62.62	3.92	59.1	21.46	-112.46	78.05	45.26	-7.21	-51.96	21.37	11.18	9.9	23.33
EV/EBITDA High	51.76	16.73	70.43	8.22	72.13	32.48	-136.22	97.36	55.87	7.87	-44.44	27.17	17.59	27.05	33.85
EV/EBITDA Low	37.11	0.76	55.45	2.52	44.74	15.33	-76.28	48.59	33.58	-17.22	-63.42	16.65	5.61	-0.71	9.78
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	6	9.16	9.48	13.24	16.09	18.56	21.7	18.27	23.65	18.14	27.36	27.5	24.49	30.98	36.99
High Price	7.6	10	11.56	14.96	17.2	20.58	26.26	27.69	23.99	23.94	28.03	30.5	28.38	37.72	40.08
Enterprise Value Average	22	5	32	7	64	47	190	257	195	-56	-468	270	151	113	227
Enterprise Value High	26	9	36	14	78	71	230	320	240	61	-400	343	237	309	330
Enterprise Value Low	19	- -	28	4	49	34	129	160	144	-134	-571	210	76	-8	95

Shares Outstanding	2	2	2	2	6	6	11	14	14	15	17	17	17	17	17
Diluted Weighted Avg Shares	2	2	2	2	6	6	9	13	14	15	16	17	17	17	17
Basic Weighted Avg Shares	2	2	2	2	6	6	9	12	14	15	16	17	17	17	17
Revenue per Share	9.42	9.59	10.31	11.66	4.56	7.07	5.79	6.54	6.49	7.78	8.82	9.87	9.07	10.23	11.71
EBITDA per Share	0.31	0.33	0.31	1.01	0.19	0.37	-0.2	0.27	0.31	0.52	0.58	0.76	0.8	0.68	0.58
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.23	0.11	0.11	1.04	0.24	0.82	0.56	1.46	1.9	1.63	2.23	2.57	1.7	2.16	3
Basic EPS from Cont Ops	0.63	0.86	1.03	1.11	0.26	0.99	0.58	1.46	1.9	1.63	2.23	2.57	1.7	2.16	3
Diluted EPS, GAAP	0.23	0.11	0.11	1	0.24	0.78	0.55	1.45	1.89	1.62	2.22	2.55	1.69	2.14	2.98
Diluted EPS from Cont Ops	0.63	0.86	1.01	1.07	0.26	0.94	0.57	1.45	1.89	1.62	2.22	2.55	1.69	2.14	2.98
Dividend per Share	0.19	0.61	0.88	0.07	0.02	0.13	0.02	- -	0.05	0.2	0.24	0.28	0.32	0.32	0.32
Cash Flow per Share	1.51	2.86	2.7	1.02	0.4	1.98	0.14	1.68	2.14	1.94	2.97	3.39	2.36	3.14	3.68
Free Cash Flow per Basic Share	1.44	2.76	2.69	-0.7	0.22	0.79	-0.18	1.37	1.69	1.58	2.81	2.65	1.99	2.76	3.54
Cash & Equivalents per Share	76.88	83.37	71.52	83.23	41.36	33.61	23.13	22.79	24.19	41.76	88.68	43.49	41.39	50.56	52.13
Book Value per Share	15.57	16.04	15.42	33.72	17.25	17.85	18.46	20.31	22.33	23.64	25.56	25.59	27.07	29.03	32.44
Tangible Book Value per Share	15.57	16.04	15.42	33.57	16.06	16.72	13.9	14.64	16.82	17.92	19.26	19.09	20.76	22.84	26.84

SmartFinancial, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)