BCSF vs SMBK

Comparison between Bain Capital Specialty Finance Inc (BCSF, Company) and SmartFinancial Inc (SMBK, Company).

Both BCSF and SMBK are from the Financial Services sector.

5-Year PerformanceSMBK has outperformed BCSF, delivering a return of +16.8% compared to +7.4%

BCSF vs SMBK - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	BCSF(COMPANY)	SMBK(COMPANY)
Market Cap	$832M	$829M
Max Drawdown	64.53%	94.80%
Sharpe Ratio	-0.34	1.29
5Y Beta	0.71	0.74
Industry	Asset Management	Banks - Regional
P/E Ratio	11.30	15.66
Forward P/E	10.11	14.10
PEG Ratio	1.05	0.41
Dividend Yield	13.10%	0.34%
5Y Dividends CAGR	11.46%	8.45%
5Y EPS CAGR	N/A	8.39%
Debt to Equity	133.02%	0.57%
Free Cash Flow Yield	7.63%	6.77%
P/S Ratio	2.99	4.06
P/B Ratio	0.76	1.48

Market Cap

Winner

BCSF

$832M

SMBK

$829M

Max Drawdown

Winner

BCSF

64.53%

SMBK

94.80%

Sharpe Ratio

BCSF

-0.34

Winner

SMBK

1.29

5Y Beta

Winner

BCSF

0.71

SMBK

0.74

Industry

BCSF

Asset Management

SMBK

Banks - Regional

P/E Ratio

Winner

BCSF

11.30

SMBK

15.66

Forward P/E

Winner

BCSF

10.11

SMBK

14.10

PEG Ratio

BCSF

1.05

Winner

SMBK

0.41

Dividend Yield

Winner

BCSF

13.10%

SMBK

0.34%

5Y Dividends CAGR

Winner

BCSF

11.46%

SMBK

8.45%

5Y EPS CAGR

BCSF

N/A

SMBK

8.39%

Debt to Equity

BCSF

133.02%

Winner

SMBK

0.57%

Free Cash Flow Yield

Winner

BCSF

7.63%

SMBK

6.77%

P/S Ratio

Winner

BCSF

2.99

SMBK

4.06

P/B Ratio

Winner

BCSF

0.76

SMBK

1.48

BCSF vs SMBK - Historical Returns

Returns include dividend reinvestment.

Period	BCSF	SMBK
1 month	+3.34%	+8.22%
3 months	-2.51%	+18.86%
6 months	-2.87%	+28.04%
1 year	-7.21%	+41.81%
5 years(CAGR)	+7.38%	+16.75%
10 years(CAGR)	N/A	+13.47%
Max(CAGR)	+6.68%	+6.27%

BCSF

+3.34%

Winner

SMBK

+8.22%

BCSF

-2.51%

Winner

SMBK

+18.86%

BCSF

-2.87%

Winner

SMBK

+28.04%

BCSF

-7.21%

Winner

SMBK

+41.81%

5Y(CAGR)

BCSF

+7.38%

Winner

SMBK

+16.75%

10Y(CAGR)

BCSF

N/A

SMBK

+13.47%

Max(CAGR)

Winner

BCSF

+6.68%

SMBK

+6.27%

BCSF vs SMBK - Annual Returns (2001 - 2026)

Returns include dividend reinvestment.

Year	BCSF	SMBK
2026	-5.09%	+37.36%
2025	-9.85%	+21.61%
2024	+28.97%	+28.84%
2023	+39.60%	-9.36%
2022	-14.71%	-0.03%
2021	+38.15%	+53.88%
2020	-28.74%	-21.62%
2019	+23.28%	+32.35%
2018	-4.62%	-16.50%
2017	N/A	+11.97%
2016	N/A	+23.06%
2015	N/A	+21.53%
2014	N/A	+39.66%
2013	N/A	+3.49%
2012	N/A	+52.67%
2011	N/A	-9.09%
2010	N/A	-9.52%
2009	N/A	-57.85%
2008	N/A	-42.46%
2007	N/A	-32.80%
2006	N/A	+36.11%
2005	N/A	+47.34%
2004	N/A	+45.01%
2003	N/A	+52.41%
2002	N/A	+11.54%
2001	N/A	+0.00%

BCSF vs SMBK Drawdown Comparison

The maximum drawdown for BCSF was -62.22%, occurring on Apr 6, 2020. Recovery took 479 trading sessions.

The maximum drawdown for SMBK was -94.35%, occurring on Nov 2, 2011. This drawdown has not yet recovered.

The current BCSF drawdown is -20.89%. The current SMBK drawdown is -10.42%.

Rank	BCSF	SMBK
#1	-62.22% Feb 20, 2020 - Jan 12, 2022	-94.35% Dec 19, 2006 - Nov 2, 2011
#2	-26.38% Feb 28, 2025 - Mar 13, 2026	-48.15% Sep 15, 2004 - Feb 13, 2006
#3	-24.32% Apr 20, 2022 - Jul 17, 2023	-42.31% Jan 2, 2001 - Jun 21, 2002
#4	-14.93% Nov 23, 2018 - Jan 15, 2019	-18.92% Apr 19, 2004 - Aug 3, 2004
#5	-10.51% Apr 26, 2019 - Dec 4, 2019	-16.28% Jun 21, 2002 - Jun 19, 2003
#6	-9.78% Sep 19, 2023 - Mar 12, 2024	-13.91% Feb 13, 2006 - Oct 11, 2006
#7	-9.14% Jul 30, 2024 - Aug 30, 2024	-11.17% Aug 4, 2004 - Sep 15, 2004
#8	-7.97% Feb 21, 2019 - Mar 21, 2019	-10.91% Oct 24, 2003 - Nov 7, 2003
#9	-5.63% May 1, 2024 - Jun 3, 2024	-10.46% Nov 10, 2003 - Mar 18, 2004
#10	-4.76% Mar 3, 2022 - Apr 5, 2022	-10.26% Jul 24, 2003 - Oct 24, 2003
#11	-4.65% Feb 16, 2022 - Mar 3, 2022	-10.00% Mar 18, 2004 - Apr 16, 2004
#12	-3.71% Mar 27, 2019 - Apr 9, 2019	-5.71% Jun 24, 2003 - Jul 10, 2003
#13	-3.70% Jan 2, 2025 - Jan 21, 2025	-4.00% Oct 31, 2006 - Nov 28, 2006
#14	-3.65% Jan 19, 2022 - Jan 31, 2022	-3.28% Oct 20, 2006 - Oct 31, 2006
#15	-3.48% Sep 5, 2024 - Oct 4, 2024	-1.24% Nov 29, 2006 - Dec 1, 2006

Correlation

Correlation between BCSF and SMBK is 0.77 which considered as a strong positive correlation - the stocks tend to move together.

0.77

-101

Dividend Comparison (2003 - 2026)

BCSF vs SMBK dividend yield comparison.

Year	BCSF	SMBK
2026	6.79%	0.34%
2025	14.02%	0.87%
2024	10.27%	1.03%
2023	10.62%	1.31%
2022	11.60%	1.02%
2021	8.94%	0.88%
2020	11.73%	1.10%
2019	8.30%	0.21%
2018	2.45%	0.00%
2009	0.00%	4.64%
2008	0.00%	5.33%
2007	0.00%	2.02%
2006	0.00%	0.52%
2005	0.00%	0.34%
2004	0.00%	0.63%
2003	0.00%	0.45%