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OPFI vs SMBK

Comparison between OppFi Inc - Class A (OPFI, Company) and SmartFinancial Inc (SMBK, Company).

Both OPFI and SMBK are from the Financial Services sector.

5-Year PerformanceSMBK has outperformed OPFI, delivering a return of +14.8% compared to -2.3%

OPFI vs SMBK - Performance Comparison

Key Characteristics

Financial metrics and valuation ratios

Market Cap
Winner
OPFI
$765M
SMBK
$763M
Max Drawdown
Winner
OPFI
84.60%
SMBK
94.80%
Sharpe Ratio
OPFI
-0.60
Winner
SMBK
1.39
5Y Beta
OPFI
1.48
Winner
SMBK
0.77
Industry
OPFI
Credit Services
SMBK
Banks - Regional
P/E Ratio
Winner
OPFI
5.07
SMBK
14.42
Forward P/E
Winner
OPFI
4.63
SMBK
14.10
PEG Ratio
OPFI
N/A
SMBK
0.38
Dividend Yield
OPFI
N/A
SMBK
0.72%
5Y Dividends CAGR
OPFI
N/A
SMBK
8.45%
5Y EPS CAGR
OPFI
N/A
SMBK
8.39%
Debt to Equity
OPFI
397.64%
Winner
SMBK
0.57%
Free Cash Flow Yield
Winner
OPFI
40.25%
SMBK
7.35%
P/S Ratio
OPFI
2.34
SMBK
N/A
P/B Ratio
OPFI
10.53
SMBK
N/A

OPFI vs SMBK - Historical Returns

Returns include dividend reinvestment.

1M
OPFI
+0.00%
Winner
SMBK
+10.14%
3M
OPFI
+2.31%
Winner
SMBK
+19.05%
6M
OPFI
-21.21%
Winner
SMBK
+13.22%
1Y
OPFI
-32.99%
Winner
SMBK
+43.15%
5Y(CAGR)
OPFI
-2.29%
Winner
SMBK
+14.78%
10Y(CAGR)
OPFI
N/A
SMBK
+12.00%
Max(CAGR)
OPFI
-1.49%
Winner
SMBK
+5.82%

OPFI vs SMBK - Annual Returns (2001 - 2026)

Returns include dividend reinvestment.

YearOPFISMBK
2026-18.16%+22.64%
2025+33.54%+21.61%
2024+69.05%+28.84%
2023+153.47%-9.36%
2022-57.64%-0.03%
2021-55.53%+53.88%
2020+3.35%-21.62%
2019N/A+32.35%
2018N/A-16.50%
2017N/A+11.97%
2016N/A+23.06%
2015N/A+21.53%
2014N/A+39.66%
2013N/A+3.49%
2012N/A+52.67%
2011N/A-9.09%
2010N/A-9.52%
2009N/A-57.85%
2008N/A-42.46%
2007N/A-32.80%
2006N/A+36.11%
2005N/A+47.34%
2004N/A+45.01%
2003N/A+52.41%
2002N/A+11.54%
2001N/A+0.00%

OPFI vs SMBK Drawdown Comparison

The maximum drawdown for OPFI was -84.60%, occurring on Mar 22, 2023. Recovery took 987 trading sessions.

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

The current OPFI drawdown is -48.67%. The current SMBK drawdown is -20.02%.

RankOPFISMBK
#1-84.60%
Feb 10, 2021 - Jan 15, 2025
-94.35%
Dec 19, 2006 - Nov 2, 2011
#2-54.21%
Feb 7, 2025 - Apr 2, 2026
-48.15%
Sep 15, 2004 - Feb 13, 2006
#3-7.47%
Jan 15, 2025 - Jan 21, 2025
-42.31%
Jan 2, 2001 - Jun 21, 2002
#4-5.09%
Jan 22, 2021 - Feb 10, 2021
-18.92%
Apr 19, 2004 - Aug 3, 2004
#5-1.22%
Jan 28, 2025 - Feb 4, 2025
-16.28%
Jun 21, 2002 - Jun 19, 2003
#6-1.20%
Nov 24, 2020 - Dec 9, 2020
-13.91%
Feb 13, 2006 - Oct 11, 2006
#7-1.19%
Jan 24, 2025 - Jan 28, 2025
-11.17%
Aug 4, 2004 - Sep 15, 2004
#8-0.67%
Jan 21, 2025 - Jan 23, 2025
-10.91%
Oct 24, 2003 - Nov 7, 2003
#9-0.65%
Jan 14, 2021 - Jan 19, 2021
-10.46%
Nov 10, 2003 - Mar 18, 2004
#10-0.49%
Dec 9, 2020 - Dec 16, 2020
-10.26%
Jul 24, 2003 - Oct 24, 2003
#11-0.46%
Jan 19, 2021 - Jan 21, 2021
-10.00%
Mar 18, 2004 - Apr 16, 2004
#12-0.39%
Dec 24, 2020 - Jan 7, 2021
-5.71%
Jun 24, 2003 - Jul 10, 2003
#13-0.20%
Dec 16, 2020 - Dec 24, 2020
-4.00%
Oct 31, 2006 - Nov 28, 2006
#14N/A-3.28%
Oct 20, 2006 - Oct 31, 2006
#15N/A-1.24%
Nov 29, 2006 - Dec 1, 2006

Correlation

Correlation between OPFI and SMBK is 0.51 which considered as a moderate positive correlation - the stocks show some tendency to move together.

0.51
-101

Dividend Comparison (2003 - 2026)

OPFI vs SMBK dividend yield comparison.

YearOPFISMBK
20260.00%0.38%
20252.39%0.87%
20241.57%1.03%
20230.00%1.31%
20220.00%1.02%
20210.00%0.88%
20200.00%1.10%
20190.00%0.21%
20090.00%4.64%
20080.00%5.33%
20070.00%2.02%
20060.00%0.52%
20050.00%0.34%
20040.00%0.63%
20030.00%0.45%

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