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SmartFinancial, Inc. (SMBK)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$85.46 - $385.26$149.61
Multi-Stage$51.55 - $56.40$53.93
Blended Fair Value$101.77
Current Price$35.73
Upside184.83%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS50.60%0.00%0.320.320.280.220.180.040.000.000.000.00
YoY Growth---0.09%14.88%26.72%24.85%326.57%0.00%0.00%0.00%0.00%0.00%
Dividend Yield--1.03%1.57%1.21%0.86%0.82%0.27%0.00%0.00%0.00%0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)46.29
(-) Cash Dividends Paid (M)5.44
(=) Cash Retained (M)40.84
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)9.265.793.47
Cash Retained (M)40.8440.8440.84
(-) Cash Required (M)-9.26-5.79-3.47
(=) Excess Retained (M)31.5935.0637.37
(/) Shares Outstanding (M)16.8816.8816.88
(=) Excess Retained per Share1.872.082.21
LTM Dividend per Share0.320.320.32
(+) Excess Retained per Share1.872.082.21
(=) Adjusted Dividend2.192.402.54
WACC / Discount Rate8.21%8.21%8.21%
Growth Rate5.50%6.50%7.50%
Fair Value$85.46$149.61$385.26
Upside / Downside139.17%318.72%978.26%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)46.2949.2952.5055.9159.5563.4265.32
Payout Ratio11.76%27.41%43.05%58.70%74.35%90.00%92.50%
Projected Dividends (M)5.4413.5122.6032.8244.2757.0760.42

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate8.21%8.21%8.21%
Growth Rate5.50%6.50%7.50%
Year 1 PV (M)12.3712.4812.60
Year 2 PV (M)18.9419.3019.67
Year 3 PV (M)25.1825.9126.64
Year 4 PV (M)31.1032.2933.52
Year 5 PV (M)36.7038.4740.31
PV of Terminal Value (M)746.05782.08819.50
Equity Value (M)870.34910.54952.24
Shares Outstanding (M)16.8816.8816.88
Fair Value$51.55$53.93$56.40
Upside / Downside44.27%50.94%57.85%

High-Yield Dividend Screener

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