COMP <GO>
IBCP vs SMBK // ENTERPRISE SCALE & MARKET CAP
Independent Bank Corporation (NASDAQ) VS. SmartFinancial Inc. (NYSE) • 15-METRIC TALLY: IBCP 5
— SMBK 1
▲ ENTERPRISE SCALE & MARKET CAP LEADER: SMBK
LAST: $37.10 (+0.49%) • MKT CAP: $819.2M
market-cap
$819.2M
LAST: $49.07 (+1.09%) • MKT CAP: $839.0M
market-cap
$839.0M
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (IBCP VS. SMBK)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | IBCP | SMBK | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 13.60% | 9.10% | +4.50 | IBCP | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 8.57% | 7.07% | +1.50 | IBCP | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 0.30% | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.64% | 0.65% | +1.99 | IBCP | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 5/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 53.3 | 40.1 | +13.14 | IBCP | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 11.2x | 15.5x | -4.30 | IBCP | /forward-pe <GO> |
| Enterprise Scale & Market Cap ACTIVE | $819.2M | $839.0M | -$19.8M | SMBK | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | IBCP REV | SMBK REV | IBCP GROSS % | SMBK GROSS % | IBCP FCF | SMBK FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $32.1M | $0 | — | — | $70.2M | $59.3M |
| FY 2024 | $32.0M | $0 | — | — | $55.2M | $46.3M |
| FY 2023 | $32.9M | $0 | — | — | $75.6M | $39.7M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
IBCP // BETA —
SMBK // BETA —