$41.64

+0.03 (+0.07%)

Weekly Expected Move ±3.9%

$37 $38 $40 $42 $43

NYSE · Financial Services · Banks - Regional · Alpha Radar Buy · Power 58 · $712.0M mcap · 15M float · 0.464% daily turnover · Short 58% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

WEAK EDGE

48.2 / 100

NoneWeakNarrowWide

Primary source: Network Effects · ROIC: -13.6%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. SMBK shows a Weak competitive edge (48.2/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Network Effects. Negative ROIC of -13.6% indicates the company is currently destroying value, though this may reflect a growth investment phase.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

$50

Low

$50

Avg Target

$50

High

Based on 1 analyst since Apr 20, 2026 earnings

Analyst Recommendations

Strong Buy: 1Buy: 2Hold: 6Sell: 0Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$50.00

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-04-20	Raymond James	—	$36	$50	+14	+16.9%	$42.76
2026-01-22	Hovde Group	—	Initiated	$48	—	+18.8%	$40.39
2025-10-27	Piper Sandler	Stephen Scouten	$28	$40	+12	+11.1%	$35.55
2024-10-23	Raymond James	Steve Moss	Initiated	$36	—	+14.9%	$31.34
2024-10-22	Piper Sandler	Stephen Scouten	$26	$28	+2	-7.1%	$30.15
2024-05-23	Stephens	Russell Gunther	Initiated	$27	—	+15.6%	$23.36
2024-04-23	Piper Sandler	Stephen Scouten	Initiated	$26	—	+24.2%	$20.93

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. SMBK receives an overall rating of B. Strongest factors: DCF (4/5). Areas of concern: P/E (2/5), P/B (2/5).

Rating Change History

Date	From	To
2026-05-04	B+	B
2026-04-28	B	B+
2026-04-24	B+	B
2026-04-21	C	B+
2026-04-21	B+	C
2026-04-01	B	B+
2026-01-30	B+	B
2026-01-22	C-	B+
2026-01-21	B+	C-
2026-01-16	A-	B+

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 57 Grade A+

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. SMBK scores highest in Momentum (90/100) and lowest in Profitability (54/100). An overall grade of A+ places SMBK among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

2.63

Grey Zone

Piotroski F-Score

8/9

✓ ✓ ✓ ✓ ✓ ✓ ✗ ✓ ✓

Beneish M-Score

52.66

Possible Manipulator

Ohlson O-Score

-5.14

Bankruptcy prob: 0.6%

Low Risk

Credit Rating

A+

Score: 75.9/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.21x

Accruals: -0.2%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. SMBK scores 2.63, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. SMBK scores 8/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. SMBK's score of 52.66 exceeds the −1.78 red flag threshold — this does not confirm manipulation but indicates the earnings profile resembles past manipulators statistically. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. SMBK's implied 0.6% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. SMBK receives an estimated rating of A+ (score: 75.9/100), with a improving trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). SMBK's score of 100/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

13.27x

PEG

0.34x

P/S

2.20x

P/B

1.25x

P/FCF

12.29x

P/OCF

10.37x

EV/EBITDA

-3.94x

EV/Revenue

-0.86x

EV/EBIT

-4.32x

EV/FCF

-5.19x

Earnings Yield

7.97%

FCF Yield

8.14%

Shareholder Yield

0.83%

Graham Number

$47.82

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 13.3x earnings, SMBK trades at a reasonable valuation. An earnings yield of 8.0% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $47.82 per share, suggesting a potential 15% margin of safety at the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.816

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.200

EBIT / Rev

Asset Turnover

0.059

Rev / Assets

Equity Multiplier

10.554

Assets / Equity

ROE

10.1%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. SMBK's ROE of 10.1% is driven by financial leverage (equity multiplier: 10.55x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

4.41%

Fair P/E

17.31x

Intrinsic Value

$53.95

Price/Value

0.72x

Margin of Safety

27.56%

Premium

-27.56%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with SMBK's realized 4.4% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $53.95, SMBK appears undervalued with a 28% margin of safety. The adjusted fair P/E of 17.3x compares to the current market P/E of 13.3x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$41.68

Median 1Y

$43.72

5th Pctile

$24.02

95th Pctile

$79.59

Ann. Volatility

37.6%

Analyst Target

$50.00

25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
William Y Carroll, Jr., President and Chief Executive Officer	$494,930	$225,630	$1,079,621
Wesley M. (“Miller”) Welborn, Chairman	$300,795	$118,888	$599,076
Ronald J. Gorczynski, Chief Financial Officer	$269,696	$67,550	$483,422

CEO Pay Ratio

7:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $1,079,621

Avg Employee Cost (SGA/emp): $162,752

Employees: 581

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

581

-2.7% YoY

Revenue / Employee

$544,523

Rev: $316,368,000

Profit / Employee

$86,657

NI: $50,348,000

SGA / Employee

$162,752

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
ROE	10.1%	11.1%	8.8%	8.5%	8.8%	9.3%	10.0%	10.7%	10.4%	8.2%	6.4%	5.9%	5.7%	7.3%	7.6%	8.0%	8.8%	9.7%	9.6%	10.1%	10.11%
ROA	1.2%	1.3%	0.9%	0.8%	0.9%	0.9%	0.9%	1.0%	1.0%	0.8%	0.6%	0.6%	0.5%	0.7%	0.7%	0.8%	0.8%	0.9%	0.9%	1.0%	0.96%
ROIC	-22.2%	-24.3%	-3.8%	-3.6%	-3.8%	-4.0%	-19.7%	-21.2%	-20.5%	-16.2%	-15.2%	-14.1%	-13.6%	-17.4%	-24.8%	-26.1%	-28.7%	-31.8%	-12.9%	-13.6%	-13.57%
ROCE	8.8%	9.6%	7.7%	7.3%	7.7%	8.1%	10.1%	10.9%	10.6%	8.3%	6.6%	6.1%	5.9%	7.5%	7.8%	8.1%	8.8%	9.8%	8.7%	9.2%	9.19%
Gross Margin	91.6%	89.7%	91.6%	90.5%	89.7%	86.5%	80.7%	70.5%	65.2%	55.2%	57.7%	59.5%	57.4%	56.9%	59.5%	61.2%	59.8%	59.2%	63.6%	65.5%	65.46%
Operating Margin	32.1%	30.9%	21.3%	26.2%	30.1%	30.4%	30.4%	24.7%	18.9%	4.3%	12.0%	17.6%	15.0%	14.7%	16.5%	18.1%	18.2%	21.4%	19.9%	20.4%	20.39%
Net Margin	25.1%	24.2%	16.8%	20.6%	23.5%	23.8%	23.9%	19.1%	14.9%	3.7%	9.5%	13.7%	11.6%	12.5%	12.8%	15.0%	14.9%	17.3%	16.3%	16.6%	16.64%
EBITDA Margin	36.8%	34.9%	26.3%	33.8%	37.4%	37.0%	39.9%	30.1%	24.9%	10.5%	16.9%	22.1%	19.1%	18.6%	20.1%	21.7%	21.7%	24.6%	20.5%	20.9%	20.95%
FCF Margin	40.0%	35.3%	29.4%	25.0%	21.7%	17.3%	23.8%	21.4%	18.7%	16.3%	13.9%	11.2%	13.5%	14.7%	16.2%	19.0%	17.7%	19.0%	18.0%	16.6%	16.64%
OCF Margin	42.7%	36.4%	31.0%	26.4%	26.7%	24.6%	30.4%	27.8%	22.4%	18.8%	16.5%	14.3%	16.3%	17.3%	18.5%	20.5%	19.0%	20.1%	19.5%	19.7%	19.71%
ROE 3Y Avg	snapshot only																				7.68%
ROE 5Y Avg	snapshot only																				8.30%
ROA 3Y Avg	snapshot only																				0.73%
ROIC Economic	snapshot only																				8.14%
Cash ROA	snapshot only																				1.11%
NOPAT Margin	snapshot only																				16.31%
Pretax Margin	snapshot only																				19.99%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				29.29%
SBC / Revenue	snapshot only																				0.58%

Valuation

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
P/E Ratio	10.19	10.43	12.69	12.44	11.30	10.97	10.44	8.20	7.89	9.98	14.22	13.27	15.38	14.87	14.36	13.72	13.63	13.05	12.43	12.54	13.273
P/S Ratio	2.51	2.70	2.96	2.68	2.41	2.34	2.41	1.84	1.59	1.54	1.69	1.41	1.53	1.77	1.82	1.79	1.89	1.96	1.98	2.05	2.200
P/B Ratio	0.97	1.09	1.03	0.96	0.91	0.94	1.04	0.88	0.82	0.82	0.88	0.76	0.86	1.06	1.06	1.06	1.16	1.23	1.13	1.20	1.246
P/FCF	6.26	7.63	10.08	10.74	11.11	13.53	10.14	8.57	8.53	9.44	12.16	12.62	11.33	12.03	11.21	9.40	10.67	10.33	10.97	12.29	12.290
P/OCF	5.87	7.40	9.56	10.15	9.04	9.53	7.91	6.60	7.12	8.17	10.24	9.91	9.38	10.19	9.85	8.71	9.91	9.76	10.14	10.37	10.374
EV/EBITDA	-3.29	-2.28	-17.76	-18.44	-17.68	-16.26	-2.90	-3.67	-4.09	-4.93	-4.86	-6.36	-5.64	-3.07	-2.07	-1.98	-1.10	-0.48	-4.51	-3.94	-3.943
EV/Revenue	-1.19	-0.85	-6.08	-6.06	-5.87	-5.51	-1.08	-1.32	-1.34	-1.30	-1.00	-1.20	-0.98	-0.59	-0.41	-0.39	-0.23	-0.11	-1.00	-0.86	-0.863
EV/EBIT	-3.77	-2.59	-20.46	-22.03	-21.59	-20.22	-3.68	-4.59	-5.18	-6.63	-6.67	-8.90	-7.81	-3.96	-2.59	-2.45	-1.34	-0.57	-5.13	-4.32	-4.317
EV/FCF	-2.97	-2.42	-20.70	-24.24	-27.08	-31.80	-4.55	-6.14	-7.15	-7.96	-7.22	-10.68	-7.31	-4.01	-2.55	-2.07	-1.28	-0.56	-5.53	-5.19	-5.188
Earnings Yield	9.8%	9.6%	7.9%	8.0%	8.9%	9.1%	9.6%	12.2%	12.7%	10.0%	7.0%	7.5%	6.5%	6.7%	7.0%	7.3%	7.3%	7.7%	8.0%	8.0%	7.97%
FCF Yield	16.0%	13.1%	9.9%	9.3%	9.0%	7.4%	9.9%	11.7%	11.7%	10.6%	8.2%	7.9%	8.8%	8.3%	8.9%	10.6%	9.4%	9.7%	9.1%	8.1%	8.14%
PEG Ratio	snapshot only																				0.342
Price/Tangible Book	snapshot only																				1.198
EV/OCF	snapshot only																				-4.379
EV/Gross Profit	snapshot only																				-1.391
Acquirers Multiple	snapshot only																				-4.317
Shareholder Yield	snapshot only																				0.83%
Graham Number	snapshot only																				$47.82

Leverage & Solvency

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Current Ratio	0.22	0.22	0.38	0.38	0.38	0.38	0.20	0.20	0.20	0.20	0.18	0.18	0.18	0.18	0.16	0.16	0.16	0.16	1.06	1.06	1.060
Quick Ratio	0.22	0.22	0.38	0.38	0.38	0.38	0.20	0.20	0.20	0.20	0.18	0.18	0.18	0.18	0.16	0.16	0.16	0.16	1.06	1.06	1.060
Debt/Equity	0.34	0.34	0.33	0.33	0.33	0.33	0.19	0.19	0.19	0.19	0.12	0.12	0.12	0.12	0.10	0.10	0.10	0.10	0.18	0.18	0.185
Net Debt/Equity	-1.43	-1.43	-3.14	-3.14	-3.14	-3.14	-1.51	-1.51	-1.51	-1.51	-1.41	-1.41	-1.41	-1.41	-1.30	-1.30	-1.30	-1.30	-1.70	-1.70	-1.704
Debt/Assets	0.04	0.04	0.03	0.03	0.03	0.03	0.02	0.02	0.02	0.02	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.02	0.02	0.018
Debt/EBITDA	2.41	2.24	2.78	2.80	2.62	2.44	1.21	1.13	1.16	1.39	1.11	1.18	1.22	1.05	0.84	0.82	0.77	0.70	1.46	1.44	1.441
Net Debt/EBITDA	-10.22	-9.50	-26.40	-26.61	-24.94	-23.17	-9.37	-8.79	-8.98	-10.77	-13.03	-13.88	-14.37	-12.28	-11.20	-10.96	-10.28	-9.39	-13.46	-13.28	-13.284
Interest Coverage	3.32	3.88	3.74	3.65	3.72	3.21	2.57	1.66	1.08	0.63	0.41	0.34	0.30	0.37	0.40	0.41	0.45	0.49	0.51	0.54	0.539
Equity Multiplier	9.25	9.25	10.74	10.74	10.74	10.74	10.72	10.72	10.72	10.72	10.50	10.50	10.50	10.50	10.74	10.74	10.74	10.74	10.39	10.39	10.390
Cash Ratio	snapshot only																				0.207
Debt Service Coverage	snapshot only																				0.590
Cash to Debt	snapshot only																				10.220
FCF to Debt	snapshot only																				0.528
Defensive Interval	snapshot only																				14313.5 days

Efficiency & Turnover

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	0.05	0.05	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.059
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover (trade)	—	—	5.59	5.78	6.10	6.43	3.12	3.46	3.72	3.84	3.58	3.70	3.85	4.10	4.32	4.42	4.57	4.66	0.15	0.15	0.148
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO (trade)	0	0	65	63	60	57	117	106	98	95	102	99	95	89	84	83	80	78	2515	2459	2458.5 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	—
Cash Conversion Cycle (trade)	0	0	65	63	60	57	117	106	98	95	102	99	95	89	84	83	80	78	2515	2459	—
Cash Velocity	snapshot only																				0.310
Capital Intensity	snapshot only																				17.736

Growth (YoY)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue	12.7%	12.7%	12.6%	12.9%	17.8%	19.4%	25.0%	34.0%	36.6%	33.8%	28.8%	20.2%	16.1%	19.8%	18.7%	17.6%	16.8%	11.8%	10.9%	10.8%	10.79%
Net Income	57.2%	68.7%	43.0%	6.2%	2.3%	-1.3%	23.7%	39.0%	29.2%	-3.5%	-33.5%	-42.8%	-42.9%	-7.7%	26.4%	43.8%	62.9%	41.6%	39.3%	38.7%	38.74%
EPS	58.0%	63.5%	28.9%	-4.8%	-8.3%	-8.2%	23.4%	38.6%	29.0%	-3.7%	-33.7%	-42.9%	-42.8%	-7.2%	26.7%	44.3%	62.7%	41.0%	38.9%	38.2%	38.22%
FCF	9.0%	1.6%	85.4%	20.3%	-36.2%	-41.4%	1.1%	14.9%	17.6%	25.7%	-24.5%	-37.2%	-16.3%	8.0%	38.4%	99.5%	53.2%	44.8%	23.2%	-3.0%	-2.96%
EBITDA	60.5%	67.9%	38.3%	10.6%	8.3%	8.3%	36.0%	46.1%	34.1%	3.9%	-28.4%	-37.0%	-37.8%	-12.7%	14.4%	24.5%	37.4%	28.5%	23.0%	21.9%	21.93%
Op. Income	66.9%	78.5%	43.5%	6.2%	1.6%	-1.3%	23.9%	39.7%	29.4%	-4.0%	-34.0%	-43.6%	-43.2%	-9.0%	25.5%	40.9%	56.6%	39.8%	35.3%	37.6%	37.58%
OCF Growth	snapshot only																				6.49%
Asset Growth	snapshot only																				8.78%
Equity Growth	snapshot only																				12.42%
Debt Growth	snapshot only																				1.14%
Shares Change	snapshot only																				0.38%
Dividend Growth	snapshot only																				0.79%

Growth (CAGR)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue 3Y	22.1%	18.1%	15.3%	13.7%	14.1%	14.6%	17.4%	20.6%	21.9%	21.6%	22.0%	22.1%	23.2%	24.2%	24.1%	23.7%	22.8%	21.5%	19.3%	16.1%	16.13%
Revenue 5Y	27.9%	26.2%	26.8%	27.2%	28.0%	28.6%	27.4%	26.3%	24.0%	21.4%	19.8%	18.8%	18.7%	19.2%	19.9%	19.9%	19.7%	19.2%	19.0%	18.8%	18.82%
EPS 3Y	45.0%	37.4%	15.8%	12.5%	5.5%	5.2%	10.5%	17.3%	23.2%	13.0%	1.8%	-9.0%	-12.2%	-6.4%	1.2%	4.5%	6.3%	8.0%	5.3%	4.4%	4.41%
EPS 5Y	29.1%	22.1%	17.2%	19.9%	21.2%	22.3%	40.3%	35.5%	29.3%	18.0%	4.9%	2.4%	-2.8%	0.8%	2.6%	5.9%	11.7%	13.6%	13.2%	8.5%	8.47%
Net Income 3Y	55.3%	47.0%	24.3%	19.7%	12.2%	11.8%	17.5%	23.5%	27.6%	17.1%	5.5%	-5.5%	-9.0%	-4.2%	1.3%	4.5%	6.3%	8.1%	5.4%	4.5%	4.49%
Net Income 5Y	56.3%	47.4%	43.1%	40.4%	39.6%	40.8%	53.7%	46.8%	37.7%	24.8%	9.6%	6.4%	0.8%	4.5%	6.4%	9.2%	14.1%	16.0%	15.7%	11.0%	10.97%
EBITDA 3Y	37.3%	33.2%	42.6%	33.3%	26.8%	26.1%	22.6%	28.0%	32.6%	23.6%	10.4%	0.6%	-3.3%	-0.6%	3.7%	4.7%	4.6%	5.2%	0.2%	-1.5%	-1.46%
EBITDA 5Y	47.1%	39.9%	35.1%	33.7%	34.2%	36.1%	37.9%	38.6%	30.3%	21.6%	23.1%	16.9%	11.2%	12.7%	8.5%	10.5%	14.8%	16.2%	13.6%	9.1%	9.12%
Gross Profit 3Y	23.5%	21.3%	19.9%	19.1%	20.1%	20.9%	22.4%	23.5%	21.3%	16.4%	11.8%	8.1%	6.7%	6.9%	7.0%	7.0%	6.8%	6.3%	6.2%	6.3%	6.27%
Gross Profit 5Y	28.0%	26.9%	27.4%	27.7%	28.5%	28.7%	26.8%	24.6%	20.8%	16.4%	13.7%	12.2%	11.9%	12.9%	13.6%	14.1%	13.9%	13.3%	12.5%	11.5%	11.47%
Op. Income 3Y	39.5%	35.4%	27.6%	22.1%	13.7%	13.1%	18.0%	24.7%	30.0%	19.1%	5.5%	-5.8%	-9.3%	-4.8%	0.9%	3.5%	4.8%	6.9%	3.9%	3.0%	2.99%
Op. Income 5Y	47.9%	40.6%	37.1%	34.5%	34.3%	35.8%	36.8%	35.0%	29.0%	18.6%	11.2%	7.5%	1.6%	4.8%	6.3%	9.0%	14.3%	16.6%	14.8%	10.1%	10.14%
FCF 3Y	—	53.1%	31.1%	15.5%	3.1%	7.7%	23.4%	22.9%	95.8%	23.7%	12.3%	-4.6%	-14.3%	-7.4%	1.9%	12.9%	14.7%	25.3%	8.8%	6.7%	6.74%
FCF 5Y	41.6%	44.3%	57.0%	60.0%	88.6%	1.3%	1.1%	—	—	21.5%	11.5%	2.1%	1.5%	11.1%	14.4%	18.4%	57.3%	24.3%	19.3%	10.9%	10.94%
OCF 3Y	1.9%	45.1%	25.6%	12.9%	5.4%	11.7%	23.9%	22.5%	55.6%	18.5%	11.0%	-0.6%	-10.7%	-3.1%	4.5%	13.7%	9.8%	13.6%	2.8%	3.6%	3.55%
OCF 5Y	39.0%	33.5%	31.8%	31.6%	39.4%	51.7%	70.8%	71.0%	83.2%	20.3%	11.3%	4.6%	2.5%	9.5%	12.0%	13.9%	34.2%	19.0%	16.3%	12.1%	12.09%
Assets 3Y	24.3%	24.3%	26.6%	26.6%	26.6%	26.6%	23.7%	23.7%	23.7%	23.7%	13.5%	13.5%	13.5%	13.5%	4.6%	4.6%	4.6%	4.6%	7.4%	7.4%	7.36%
Assets 5Y	26.4%	26.4%	34.1%	34.1%	34.1%	34.1%	21.9%	21.9%	21.9%	21.9%	16.3%	16.3%	16.3%	16.3%	16.6%	16.6%	16.6%	16.6%	11.7%	11.7%	11.67%
Equity 3Y	20.2%	20.2%	14.9%	14.9%	14.9%	14.9%	11.4%	11.4%	11.4%	11.4%	8.8%	8.8%	8.8%	8.8%	4.6%	4.6%	4.6%	4.6%	8.5%	8.5%	8.50%
Book Value 3Y	12.2%	12.3%	7.0%	8.1%	8.1%	8.1%	4.8%	5.8%	7.5%	7.5%	4.9%	4.8%	4.9%	6.3%	4.5%	4.6%	4.6%	4.5%	8.4%	8.4%	8.42%
Dividend 3Y	22.9%	8.6%	0.3%	1.4%	2.2%	2.9%	1.8%	1.7%	2.2%	1.2%	1.0%	-0.3%	-1.3%	-1.3%	-0.1%	-0.1%	-0.0%	0.0%	0.1%	0.2%	0.19%

Growth Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue Stability	0.98	0.99	0.99	0.98	0.97	0.97	0.98	0.97	0.94	0.93	0.92	0.92	0.92	0.92	0.94	0.96	0.97	0.97	0.98	1.00	0.998
Earnings Stability	0.90	0.88	0.90	0.95	0.90	0.89	0.93	0.96	0.90	0.75	0.48	0.35	0.22	0.38	0.28	0.19	0.26	0.53	0.46	0.30	0.303
Margin Stability	0.93	0.92	0.93	0.92	0.92	0.92	0.93	0.93	0.91	0.89	0.86	0.85	0.83	0.82	0.81	0.81	0.81	0.81	0.82	0.82	0.815
Rev. Growth Consistency	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	0.50	0.50	0.50	1.00	1.00	0.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.000
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.50	0.50	0.83	0.98	0.99	0.99	0.91	0.84	0.88	0.99	0.87	0.83	0.83	0.97	0.89	0.82	0.50	0.83	0.84	0.85	0.845
Earnings Smoothness	0.56	0.49	0.65	0.94	0.98	0.99	0.79	0.67	0.74	0.96	0.60	0.46	0.45	0.92	0.77	0.64	0.52	0.66	0.67	0.68	0.675
ROE Trend	0.02	0.02	0.00	-0.01	-0.00	-0.00	0.02	0.02	0.02	-0.01	-0.03	-0.03	-0.04	-0.01	-0.01	-0.00	0.01	0.02	0.02	0.03	0.028
Gross Margin Trend	0.12	0.14	0.12	0.10	0.08	0.05	0.01	-0.07	-0.14	-0.22	-0.27	-0.26	-0.25	-0.21	-0.16	-0.11	-0.07	-0.03	0.01	0.03	0.030
FCF Margin Trend	0.23	0.17	0.10	0.03	-0.01	-0.08	0.00	-0.03	-0.12	-0.10	-0.13	-0.12	-0.07	-0.02	-0.03	0.03	0.02	0.04	0.03	0.02	0.015
Sustainable Growth Rate	9.1%	10.1%	7.9%	7.4%	7.7%	8.2%	8.9%	9.6%	9.2%	7.0%	5.2%	4.7%	4.5%	6.1%	6.5%	6.9%	7.6%	8.6%	8.6%	9.1%	9.07%
Internal Growth Rate	1.1%	1.2%	0.8%	0.7%	0.8%	0.8%	0.8%	0.9%	0.9%	0.7%	0.5%	0.4%	0.4%	0.6%	0.6%	0.6%	0.7%	0.8%	0.8%	0.9%	0.87%

Cash Flow Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
OCF/Net Income	1.74	1.41	1.33	1.23	1.25	1.15	1.32	1.24	1.11	1.22	1.39	1.34	1.64	1.46	1.46	1.58	1.37	1.34	1.23	1.21	1.209
FCF/OCF	0.94	0.97	0.95	0.94	0.81	0.70	0.78	0.77	0.84	0.87	0.84	0.78	0.83	0.85	0.88	0.93	0.93	0.95	0.92	0.84	0.844
FCF/Net Income	snapshot only																				1.020
OCF/EBITDA	snapshot only																				0.900
CapEx/Revenue	2.6%	1.1%	1.6%	1.5%	5.0%	7.3%	6.7%	6.4%	3.7%	2.5%	2.6%	3.1%	2.8%	2.7%	2.2%	1.5%	1.4%	1.1%	1.5%	3.1%	3.07%
CapEx/Depreciation	snapshot only																				1.618
Accruals Ratio	-0.01	-0.01	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.00	-0.002
Sloan Accruals	snapshot only																				0.770
Cash Flow Adequacy	snapshot only																				4.141
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Dividend Yield	1.0%	0.9%	0.8%	1.0%	1.1%	1.1%	1.1%	1.3%	1.4%	1.5%	1.3%	1.5%	1.4%	1.1%	1.0%	1.0%	1.0%	0.9%	0.9%	0.8%	0.79%
Dividend/Share	$0.22	$0.22	$0.22	$0.24	$0.25	$0.27	$0.28	$0.29	$0.30	$0.31	$0.32	$0.32	$0.32	$0.32	$0.32	$0.32	$0.32	$0.32	$0.32	$0.32	$0.33
Payout Ratio	9.8%	9.4%	10.7%	12.0%	12.3%	12.4%	11.0%	10.6%	11.3%	14.8%	19.0%	20.5%	21.2%	16.6%	15.0%	14.2%	13.0%	11.8%	10.8%	10.3%	10.35%
FCF Payout Ratio	6.0%	6.9%	8.5%	10.4%	12.1%	15.3%	10.7%	11.1%	12.2%	14.0%	16.2%	19.5%	15.6%	13.4%	11.7%	9.8%	10.2%	9.3%	9.6%	10.1%	10.14%
Total Payout Ratio	20.0%	18.6%	14.2%	12.0%	12.3%	12.4%	11.0%	10.6%	11.3%	14.8%	19.0%	20.5%	21.2%	16.6%	15.0%	14.2%	13.0%	11.8%	10.8%	10.3%	10.35%
Div. Increase Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	0	0	0	1	0	0	0
Chowder Number	1.29	0.58	0.26	0.26	0.29	0.32	0.28	0.24	0.20	0.17	0.16	0.12	0.08	0.04	0.01	0.01	0.01	0.01	0.01	0.02	0.016
Buyback Yield	1.0%	0.9%	0.3%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Net Buyback Yield	0.9%	0.8%	0.2%	-0.1%	-0.1%	-0.0%	-0.0%	-0.0%	-0.0%	-0.1%	-0.0%	-0.0%	-0.0%	-0.0%	-0.0%	-0.0%	-0.0%	-0.0%	-0.0%	-0.0%	-0.01%
Total Shareholder Return	1.9%	1.7%	1.1%	0.9%	1.0%	1.1%	1.0%	1.3%	1.4%	1.4%	1.3%	1.5%	1.4%	1.1%	1.0%	1.0%	0.9%	0.9%	0.8%	0.8%	0.81%

DuPont Factors

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Tax Burden (NI/EBT)	0.78	0.78	0.78	0.79	0.78	0.78	0.78	0.78	0.78	0.79	0.79	0.79	0.79	0.80	0.80	0.81	0.82	0.81	0.82	0.82	0.816
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
EBIT Margin	0.32	0.33	0.30	0.27	0.27	0.27	0.29	0.29	0.26	0.20	0.15	0.13	0.13	0.15	0.16	0.16	0.17	0.19	0.19	0.20	0.200
Asset Turnover	0.05	0.05	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.059
Equity Multiplier	8.59	8.59	10.06	10.06	10.06	10.06	10.73	10.73	10.73	10.73	10.61	10.61	10.61	10.61	10.62	10.62	10.62	10.62	10.55	10.55	10.554

Per Share

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
EPS (Diluted TTM)	$2.25	$2.37	$2.07	$1.97	$2.06	$2.17	$2.55	$2.74	$2.66	$2.09	$1.69	$1.56	$1.52	$1.94	$2.14	$2.25	$2.47	$2.74	$2.98	$3.12	$3.12
Book Value/Share	$23.61	$22.76	$25.49	$25.47	$25.46	$25.45	$25.61	$25.59	$25.59	$25.56	$27.18	$27.17	$27.29	$27.31	$29.12	$29.12	$29.11	$29.06	$32.64	$32.62	$33.42
Tangible Book/Share	$17.90	$17.25	$19.21	$19.19	$19.18	$19.18	$19.11	$19.10	$19.10	$19.07	$20.85	$20.84	$20.93	$20.95	$22.91	$22.92	$22.91	$22.87	$32.64	$32.62	$32.62
Revenue/Share	$9.13	$9.16	$8.86	$9.15	$9.65	$10.18	$11.05	$12.23	$13.16	$13.58	$14.21	$14.68	$15.32	$16.34	$16.91	$17.31	$17.87	$18.19	$18.70	$19.11	$19.24
FCF/Share	$3.66	$3.24	$2.60	$2.29	$2.09	$1.76	$2.62	$2.62	$2.46	$2.21	$1.98	$1.64	$2.06	$2.40	$2.74	$3.29	$3.16	$3.46	$3.37	$3.18	$3.20
OCF/Share	$3.90	$3.34	$2.74	$2.42	$2.57	$2.50	$3.36	$3.40	$2.94	$2.55	$2.35	$2.09	$2.49	$2.83	$3.12	$3.55	$3.40	$3.66	$3.65	$3.77	$3.79
Cash/Share	$41.71	$40.21	$88.45	$88.39	$88.33	$88.31	$43.53	$43.50	$43.50	$43.44	$41.57	$41.55	$41.73	$41.76	$40.58	$40.58	$40.57	$40.50	$61.65	$61.60	$53.39
EBITDA/Share	$3.30	$3.43	$3.03	$3.01	$3.21	$3.45	$4.11	$4.38	$4.29	$3.57	$2.94	$2.76	$2.68	$3.13	$3.37	$3.44	$3.67	$4.01	$4.13	$4.18	$4.18
Debt/Share	$7.97	$7.68	$8.41	$8.41	$8.40	$8.40	$4.97	$4.97	$4.97	$4.96	$3.26	$3.26	$3.28	$3.28	$2.83	$2.83	$2.83	$2.83	$6.03	$6.03	$6.03
Net Debt/Share	$-33.74	$-32.53	$-80.04	$-79.98	$-79.93	$-79.91	$-38.56	$-38.54	$-38.53	$-38.48	$-38.30	$-38.29	$-38.46	$-38.48	$-37.75	$-37.75	$-37.74	$-37.67	$-55.62	$-55.58	$-55.58

Academic Models

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.633
Altman Z-Prime	snapshot only																				0.698
Piotroski F-Score	8	7	7	5	5	5	6	6	6	5	5	5	6	7	8	8	7	7	8	8	8
Beneish M-Score	-2.51	-2.36	-2.37	-2.37	-2.25	-2.22	-1.99	-1.90	-1.89	-1.86	-2.25	-2.32	-2.35	-2.38	-2.51	-2.53	-2.52	-2.52	51.62	52.66	52.659
Ohlson O-Score	snapshot only																				-5.143
ROIC (Greenblatt)	snapshot only																				21.33%
Net-Net WC	snapshot only																				$8.61

Credit

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Credit Rating	snapshot only																				A+
Credit Score	74.32	75.01	71.54	59.53	59.64	59.47	69.00	73.79	66.91	62.30	65.56	66.08	65.99	65.91	66.41	66.15	70.43	69.57	74.16	75.90	75.902
Credit Grade	snapshot only																				5
Credit Trend	snapshot only																				9.753
Implied Spread (bps)	snapshot only																				125.000
Industry Credit Rank	snapshot only																				73
Sector Credit Rank	snapshot only																				67

SMBK NYSE

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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