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SMBK

SmartFinancial, Inc.
Chart
50.01 USD
Latest Week 2026-07-24
Financial ServicesBanks - RegionalSMALL
Snapshot 2026-07-26 · 0.6w · Fresh
0.93
OS Score
85.0%
Value
66.0%
Quality
82.0%
Momentum
6/9
F-Score
0.749
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
10 of 23 passing
★
OS Composite
OS 0.930
↗
Trending Value
✗
◆
Quality × Value
QV 0.749
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
P/E 14.9
◇
VC2 Cheapest
✗
📐
EBITDA/EV
12.9%
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
Yes
🌱
GARP
✗
🔄
Shareholder Yield
✗
💰
High Yield
✗
🚀
Momentum Leaders
12-1 36%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
Val 85%
🛡
Low Volatility
Vol 24%
🏷
Sector Cheapest
✗
🧠
Capital Allocators
CAQ 1.00
⚡
Risk-Adj Momentum
RAM 1.52
V
Value Analysis
Cheapness relative to fundamentals
85.0%ile
P/E
14.9×
P/S
2.6×
P/B
1.5×
E/P
0.1234
FCF Yield
0.111
EBITDA/EV
0.129
SH Yield
0.006
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
27.00000000
/100 — 1=cheapest
VC2 (Trending Value)
32.00000000
/100
VC3 (Buyback)
34.00000000
/100
FCF yield of 11.1% is strong — the business generates significant free cash relative to price.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
66.0%ile
ROE
0.099
ROA
0.009
Net Margin
0.173
Op Margin
0.214
GPA
0.034
D/E
9.60
Current
0.07
F-Score
6/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.098
Earn Growth
0.375
Stability
0.194
lower=better
Accruals
-0.001
lower=better
5yr Consist
Yes
Highly leveraged with D/E of 9.60 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
82.0%ile
6M Return
28.0%
12M Return
42.2%
12-1 Mom
36.4%
Risk-Adj
1.52
Vol 252d
24.0%
Vol 60d
54.4%
↑ Expanding
Max DD 12M
-13.3%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 36% is very strong — a clear uptrend. Risk-adjusted momentum of 1.52 is excellent — strong returns relative to volatility. Near-term vol (54%) is expanding vs long-term (24%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.93
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 500 peers
Sector Value %ile
65.1%
Sector Quality %ile
40.3%
P/E z-score
-0.08
P/B z-score
-0.06
Sector Avg OS
85.1%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
BAP Credicorp Ltd 99.0% 97.0% 96.0% 90.0%
UVE Universal Insurance Holdings Inc 99.0% 97.0% 92.0% 92.0%
IFS Intercorp Financial Services Inc 99.0% 98.0% 83.0% 90.0%
RILYL BRC Group Holdings, Inc. 99.0% 95.0% 88.0% 95.0%
BFH Bread Financial Holdings, Inc. 99.0% 97.0% 88.0% 90.0%
NTRS Northern Trust Corporation 98.0% 94.0% 89.0% 81.0%
BBDO Banco Bradesco S/A ADR 98.0% 97.0% 92.0% 79.0%
HG Hamilton Insurance Group, Ltd. 98.0% 96.0% 81.0% 91.0%
Factor Interactions
Trending Value Signal
Cheap (85th value) with strong momentum (82th). The market is starting to recognise the value.
Volatility Expanding
60-day vol (54%) significantly exceeds 252-day (24%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
B
72.6% avg (7 factors)
Quality
D
31.3% avg (8 factors)
Momentum
B
74.4% avg (4 factors)
Risk
A
76.6% avg (1 factors)
Deep value territory, but quality is concerning. This is either a turnaround opportunity or a value trap — the F-Score and accruals ratio will be key differentiators.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends8 snapshots
Factor Persistence8 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.930—8—
Value %ile0.850—8—
Quality %ile0.660—0—
Momentum %ile0.820—8—
F-Score6.000—0—
Confidence1.000—8—
Volatility0.240—0—
Value Lens2021-07-27 → 2026-07-26
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
14.90
Earnings Yield (E/P)
0.1234
Price / Sales
2.58
Price / Book
1.48
Price / Cash Flow
13.85
FCF Yield
11.1%
EBITDA / EV
12.9%
Sales Yield (1/P·S)
0.5757
Shareholder Yield
Div + net buyback / mktcap
0.6%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
9.9%
Return on Assets
0.9%
Net Margin
17.3%
Operating Margin
21.4%
Gross Profit / Assets
Novy-Marx GPA
3.4%
Debt / Equity
9.60
Current Ratio
0.07
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.001
External Financing
Net issuance — lower=better
0.000
MomentumPrice trend strength over different horizons
6M Return
28.0%
12M Return
42.2%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
36.4%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
1.52
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
9.8%
Earnings Growth (YoY)
37.5%
Earnings Stability (CV)
Lower = more stable
0.194
5yr Consistent
EPS up every year for 5 years
Yes
Piotroski F-Score
6
Dividend Yield
0.7%
Buyback Yield
-0.0%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
27
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
32
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
34
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity