COMP <GO>
SMBK vs IBCP // 10Y YIELD & FRED MACRO BETA
SmartFinancial Inc. (NYSE) VS. Independent Bank Corporation (NASDAQ) • 15-METRIC TALLY: SMBK 1
— IBCP 5
■ METRIC PARITY
LAST: $49.33 (+1.77%) • MKT CAP: $828.8M
macro-sensitivity
—
LAST: $37.35 (+2.13%) • MKT CAP: $807.5M
macro-sensitivity
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SMBK VS. IBCP)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SMBK | IBCP | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 9.10% | 13.60% | -4.50 | IBCP | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 7.07% | 8.57% | -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 | 0.65% | 2.64% | -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 | 41.4 | 52.2 | -10.80 | IBCP | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 15.5x | 11.2x | +4.30 | IBCP | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $828.8M | $807.5M | $21.2M | SMBK | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SMBK REV | IBCP REV | SMBK GROSS % | IBCP GROSS % | SMBK FCF | IBCP FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $2.46B | $32.1M | — | — | $59.3M | $70.2M |
| FY 2024 | $2.22B | $32.0M | — | — | $46.3M | $55.2M |
| FY 2023 | $150.9M | $32.9M | — | — | $39.7M | $75.6M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SMBK // BETA —
IBCP // BETA —