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River City Bank (RCBC) vs SmartFinancial, Inc. (SMBK)

River City Bank and SmartFinancial, Inc. are both Banks Regional companies. River City Bank and SmartFinancial, Inc. are of similar size ($828.4M and $819.7M). Across the 6 metrics below, SmartFinancial, Inc. leads on 5 and River City Bank on 1.

Valuation

Metric RCBC SMBK Banks Regional median
P/E — 14.11 12.02
P/S n/m 2.42 2.36
P/B 1.53 1.41 1.23
Price to free cash flow n/m 12.03 10.60
EV/EBITDA n/m — —
EV/Sales n/m — —
Earnings yield — 7.09% 8.21%
Free cash flow yield 0.00% 8.31% 9.23%

Profitability

Metric RCBC SMBK Banks Regional median
Gross margin — 63.90% 69.81%
Operating margin — 0.00% 0.00%
Net margin — 17.12% 18.82%
Free cash flow margin — 20.12% 17.97%
Return on equity — 10.47% 10.28%
Return on assets — 0.99% 1.13%
Return on invested capital 0.00% 15.22% 8.45%

Growth

Metric RCBC SMBK Banks Regional median
Revenue growth (TTM) — 11.14% 6.37%
EPS growth (last fiscal year) (5.98%) 39.25% 18.85%
Revenue growth, 5-year CAGR — 19.21% 12.65%
Net income growth, 5-year CAGR — 15.65% 9.81%

Health

Metric RCBC SMBK Banks Regional median
Debt to equity 0.00 0.17 0.17
Current ratio 0.91 0.93 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric RCBC SMBK Banks Regional median
Dividend yield — 0.70% 2.49%
Payout ratio — 0.10 0.29

Size

Metric RCBC SMBK Banks Regional median
Market cap 828.41m 819.74m 934.85m

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