Comparison of SmartFinancial Inc. (SMBK) and Bank OZK (NASDAQ:OZK)

SmartFinancial Inc. (NASDAQ:SMBK) and Bank OZK (NASDAQ:OZK) have been rivals in the Regional – Southeast Banks for quite some time. Below is a review of each business including various aspects such as risk, analyst recommendations, institutional ownership, profitability, dividends, earnings and valuation.

Earnings & Valuation

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
SmartFinancial Inc. 74.94M 3.73 11.71M 1.43 13.66
Bank OZK 931.61M 4.30 417.11M 3.24 10.06

In table 1 we can see SmartFinancial Inc. and Bank OZK’s top-line revenue, earnings per share (EPS) and valuation. Bank OZK has higher revenue and earnings than SmartFinancial Inc. The business that Currently has a higher P/E ratio is considered the more expensive of the two businesses. SmartFinancial Inc. has been trading at a higher P/E ratio than Bank OZK, which means that it is at the moment the more expensive of the two companies.

Profitability

Table 2 represents SmartFinancial Inc. (NASDAQ:SMBK) and Bank OZK (NASDAQ:OZK)’s net margins, return on assets and return on equity.

Net Margins Return on Equity Return on Assets
SmartFinancial Inc. 15.63% 4% 0.5%
Bank OZK 44.77% 13.2% 2.1%

Volatility & Risk

SmartFinancial Inc.’s current beta is 0.52 and it happens to be 48.00% less volatile than S&P 500. In other hand, Bank OZK has beta of 1.93 which is 93.00% more volatile than S&P 500.

Dividends

On the other side Bank OZK pays an annual dividend of $0.8 per share. It’s dividend yield is 2.56%. SmartFinancial Inc. does not offer a dividend.

Insider and Institutional Ownership

Institutional investors held 36.9% of SmartFinancial Inc. shares and 93.6% of Bank OZK shares. Insiders held 6% of SmartFinancial Inc. shares. On the other hand, insiders held about 1.5% of Bank OZK’s shares.

Performance

Here are the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.

Performance (W) Performance (M) Performance (Q) Performance (HY) Performance (Y) Performance (YTD)
SmartFinancial Inc. -2.49% 1.3% -3.98% -20.82% -9.91% 7.01%
Bank OZK -2.66% 7.42% 21.83% -20.1% -35.17% 42.75%

For the past year SmartFinancial Inc. has weaker performance than Bank OZK

Summary

Bank OZK beats SmartFinancial Inc. on 12 of the 13 factors.

SmartFinancial, Inc. operates as the bank holding company for the SmartBank that provides various banking services to individuals and corporate customers in the United States. The company offers various deposit products, including interest bearing and non-interest bearing checking accounts, savings accounts, money market accounts, individual retirement accounts, and certificates of deposit. It also provides loan products, such as commercial real estate loans, consumer real estate loans, construction and land development loans, commercial and industrial loans, and consumer and other loans, such as direct consumer installment loans, overdrafts and other revolving credit loans, and educational loans. As of December 31, 2015, it operated through 12 full-service banking offices in East Tennessee and the Florida Panhandle; and 2 loan production office, one mortgage loan production office, and two service centers. SmartFinancial, Inc. was founded in 2007 is headquartered in Knoxville, Tennessee.