COMP <GO>
SMBK vs SPFI // EV/EBITDA & P/E VALUATION
SmartFinancial Inc. (NYSE) VS. South Plains Financial Inc. (NASDAQ) • 15-METRIC TALLY: SMBK 1
— SPFI 5
■ METRIC PARITY
LAST: $49.07 (+1.09%) • MKT CAP: $839.0M
valuation
—
LAST: $44.19 (+1.05%) • MKT CAP: $832.5M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SMBK VS. SPFI)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SMBK | SPFI | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 9.10% | 11.80% | -2.70 | SPFI | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 7.07% | 8.63% | -1.56 | SPFI | /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 | 0.65% | 1.21% | -0.56 | SPFI | /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 | 40.1 | 55.8 | -15.68 | SPFI | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 15.5x | 13.2x | +2.30 | SPFI | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $839.0M | $832.5M | $6.5M | SMBK | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SMBK REV | SPFI REV | SMBK GROSS % | SPFI GROSS % | SMBK FCF | SPFI FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $59.3M | $71.8M |
| FY 2024 | $0 | $0 | — | — | $46.3M | $56.0M |
| FY 2023 | $0 | $0 | — | — | $39.7M | $58.5M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SMBK // BETA —
SPFI // BETA —