COMP <GO>
RCBC vs SMBK // EV/EBITDA & P/E VALUATION
River City Bank (NASDAQ) VS. SmartFinancial Inc. (NYSE) • 15-METRIC TALLY: RCBC 1
— SMBK 2
■ METRIC PARITY
LAST: $58.75 (-0.30%) • MKT CAP: $834.2M
valuation
—
LAST: $49.07 (+1.09%) • MKT CAP: $839.0M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (RCBC VS. SMBK)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | RCBC | SMBK | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | — | 9.10% | — | TIE | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | 7.07% | — | TIE | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.65% | -0.65 | SMBK | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | — | 5/9 | — | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 66.9 | 40.1 | +26.75 | RCBC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 15.5x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $834.2M | $839.0M | -$4.8M | SMBK | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | RCBC REV | SMBK REV | RCBC GROSS % | SMBK GROSS % | RCBC FCF | SMBK FCF |
|---|---|---|---|---|---|---|
| FY 2025 | — | $0 | — | — | — | $59.3M |
| FY 2024 | — | $0 | — | — | — | $46.3M |
| FY 2023 | — | $0 | — | — | — | $39.7M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
RCBC // BETA —
SMBK // BETA —